zmb-fsdz-zamfin-2009-v1 DDI_ZMB_2009_FSDZ_v01_M DataFirst 2018-07-24 Nesstar Publisher Version 01 (October 2019). This version is identical to DataFirst documentation version (zmb-fsdz-zamfs-2009-v1) except for the following fields that were edited by the World Bank: Document ID and Study ID. FinScope 2009 Financial Inclusion FS 2009 ZMB_2009_FSDZ_v01_M Finmark Trust Bank of Zambia Nesstar Publisher Private Sector Development Reform Programme DataFirst Support Other Household Survey [hh/oth] The first FinScope survey was conducted in 2006, covering 2005, to inform the Government of Zambia's comprehensive strategy for strengthening and broadening the Zambian financial sector under the Financial Sector Development Plan (FSDP), which run from 2004 to 2009 under Phase I and 2010 to 2015 under Phase II. v1.0: Edited, anonymized dataset for public distribution. This version was first received by DataFirst from Financial Services Deepening Zambia (FSDZ) in November 2016. This is the first version that has been made available for public release. The FinScope survey tool was developed by FinMark Trust as a nationally representative survey of consumer perceptions about financial services and issues. FinScope provides insights into how people source their income and manage their financial lives. It looks at the use of, and demand for, financial services as well as attitudes, vulnerability, coping behavior and consumption patterns. By exploring the use of informal as well as formal financial products, FinScope aims to create a picture of the role that the formal and informal sectors play in a country's financial market. Zambia National coverage Individuals The survey covered all usual household residents age 16 and above in Zambia. Sample survey data [ssd] Central Statistics Office M & N Associates Much like the previous survey in the series, the FinScope 2005 used a stratified, multi-stage cluster sampling approach. Stratification was done at the province and urban/rural level before cluster sampling was performed using enumerator areas as PSUs. The sampling frame for the survey was developed by the Zambian Central Statistical Office (CSO) based on the 2000 Zambian population census. The survey used three-stage stratified cluster sampling to create the sample population. Stratification was done at the province and urban/rural levels before cluster sampling was performed using enumerator areas as PSUs. 400 EAs were selected with probability proportional to size. Within each EA, 10 households were randomly selected. In the third stage, one eligible (aged 16 and above) member of the household was randomly selected using a Kish grid. Further details of the sampling methodology are provided in Annex 1 of the final report for the 2009 Zambian FinScope. Face-to-face [f2f] Final_weight: this weight variable appears to be the post-stratified weight. When applied, it gives population totals that agree with what we assumed is a demographic model informed by Zambian Census 2000 figures. DataFirst FinMark Trust. Zambia Finscope 2009 [dataset]. Version 1.0. Lusaka: FinMark Trust [producer], June 2010. Cape Town: DataFirst [distributor], 2017. https://doi.org/10.25828/0sh5-cs81 Public use data, available to all Zambia Finscope 2009 v1.0 Stata11.NSDstat 2009 FinScope survey data 4000 1163 Nesstar 200801 Household Identification Number 4000 0 Province 4000 0 1 Central 420 2 Copperbelt 540 3 Eastern 480 4 Luapula 400 5 Lusaka 500 6 Nothern 500 7 North Western 340 8 Southern 460 9 Western 360 District 4000 0 101 Chibombo 80 102 Kabwe 120 103 Kapiri-mposhi 80 104 Mkushi 40 105 Mumbwa 50 106 Serenje 50 201 Chililabombwe 20 202 Chingola 50 203 Kalulushi 30 204 Kitwe 120 205 Luanshya 50 206 Lufwanyama 30 207 Masaiti 40 208 Mpongwe 30 209 Mufulira 50 210 Ndola 120 301 Chadiza 20 302 Chama 30 303 Chipata 150 304 Katete 80 305 Lundazi 80 306 Mambwe 10 307 Nyimba 20 308 Petauke 90 401 Chienge 30 402 Kawambwa 60 403 Mansa 100 404 Milenge 20 405 Mwense 40 406 Nchelenge 70 407 Samfya 80 501 Chongwe 80 502 Kafue 80 503 Luangwa 20 504 Lusaka 320 601 Chilubi 20 602 Chinsali 50 603 Isoka 40 604 Kaputa 30 605 Kasama 90 606 Luwingu 30 607 Mbala 60 608 Mpika 60 609 Mporokoso 30 610 Mpulungu 20 611 Mungwi 40 612 Nakonde 30 701 Chavuma 20 702 Kabompo 40 703 Kasempa 30 704 Mufumbwe 30 705 Mwinilunga 60 706 Solwezi 120 707 Zambezi 40 801 Choma 60 802 Gwembe 20 803 Itezhi-tezhi 20 804 Kalomo 50 805 Kazungula 30 806 Livingstone 50 807 Mazabuka 90 808 Monze 60 809 Namwala 20 810 Siavonga 20 811 Sinazongwe 40 901 Kalabo 60 902 Kaoma 60 903 Lukulu 40 904 Mongu 90 905 Senanga 40 906 Sesheke 50 907 Shang'ombo 20 Household size 4000 0 1 53 Survey Enumerator Area (Cluster) 4000 0 001 10 002 10 003 10 004 10 005 10 006 10 007 10 008 10 009 10 010 10 011 10 012 10 013 10 014 10 015 10 016 10 017 10 018 10 019 10 020 10 021 10 022 10 023 10 024 10 025 10 026 10 027 10 028 10 029 10 030 10 031 10 032 10 033 10 034 10 035 10 036 10 037 10 038 10 039 10 040 10 041 10 042 10 043 10 044 10 045 10 046 10 047 10 048 10 049 10 050 10 051 10 052 10 053 10 054 10 055 10 056 10 057 10 058 10 059 10 060 10 061 10 062 10 063 10 064 10 065 10 066 10 067 10 068 10 069 10 070 10 071 10 072 10 073 10 074 10 075 10 076 10 077 10 078 10 079 10 080 10 081 10 082 10 083 10 084 10 085 10 086 10 087 10 088 10 089 10 090 10 091 10 092 10 093 10 094 10 095 10 096 10 097 10 098 10 099 10 100 10 101 10 102 10 103 10 104 10 105 10 106 10 107 10 108 10 109 10 110 10 111 10 112 10 113 10 114 10 115 10 116 10 117 10 118 10 119 10 120 10 121 10 122 10 123 10 124 10 125 10 126 10 127 10 128 10 129 10 130 10 131 10 132 10 133 10 134 10 135 10 136 10 137 10 138 10 139 10 140 10 141 10 142 10 143 10 144 10 145 10 146 10 147 10 148 10 149 10 150 10 151 10 152 10 153 10 154 10 155 10 156 10 157 10 158 10 159 10 160 10 161 10 162 10 163 10 164 10 165 10 166 10 167 10 168 10 169 10 170 10 171 10 172 10 173 10 174 10 175 10 176 10 177 10 178 10 179 10 180 10 181 10 182 10 183 10 184 10 185 10 186 10 187 10 188 10 189 10 190 10 191 10 192 10 193 10 194 10 195 10 196 10 197 10 198 10 199 10 200 10 201 10 202 10 203 10 204 10 205 10 206 10 207 10 208 10 209 10 210 10 211 10 212 10 213 10 214 10 215 10 216 10 217 10 218 10 219 10 220 10 221 10 222 10 223 10 224 10 225 10 226 10 227 10 228 10 229 10 230 10 231 10 232 10 233 10 234 10 235 10 236 10 237 10 238 10 239 10 240 10 241 10 242 10 243 10 244 10 245 10 246 10 247 10 248 10 249 10 250 10 251 10 252 10 253 10 254 10 255 10 256 10 257 10 258 10 259 10 260 10 261 10 262 10 263 10 264 10 265 10 266 10 267 10 268 10 269 10 270 10 271 10 272 10 273 10 274 10 275 10 276 10 277 10 278 10 279 10 280 10 281 10 282 10 283 10 284 10 285 10 286 10 287 10 288 10 289 10 290 10 291 10 292 10 293 10 294 10 295 10 296 10 297 10 298 10 299 10 300 10 301 10 302 10 303 10 304 10 305 10 306 10 307 10 308 10 309 10 310 10 311 10 312 10 313 10 314 10 315 10 316 10 317 10 318 10 319 10 320 10 321 10 322 10 323 10 324 10 325 10 326 10 327 10 328 10 329 10 330 10 331 10 332 10 333 10 334 10 335 10 336 10 337 10 338 10 339 10 340 10 341 10 342 10 343 10 344 10 345 10 346 10 347 10 348 10 349 10 350 10 351 10 352 10 353 10 354 10 355 10 356 10 357 10 358 10 359 10 360 10 361 10 362 10 363 10 364 10 365 10 366 10 367 10 368 10 369 10 370 10 371 10 372 10 373 10 374 10 375 10 376 10 377 10 378 10 379 10 380 10 381 10 382 10 383 10 384 10 385 10 386 10 387 10 388 10 389 10 390 10 391 10 392 10 393 10 394 10 395 10 396 10 397 10 398 10 399 10 400 10 Do you consider yourself the head of the household 4000 0 -9 Missing Data 0 1 Yes 2008 2 No 1992 How old the head of the household? 1992 2008 16 1 17 1 18 4 19 4 20 5 21 11 22 15 23 16 24 25 25 44 26 28 27 61 28 55 29 52 30 71 31 43 32 71 33 41 34 67 35 81 36 57 37 55 38 67 39 45 40 63 41 34 42 59 43 41 44 33 45 61 46 37 47 35 48 40 49 40 50 37 51 25 52 34 53 32 54 28 55 36 56 30 57 30 58 33 59 23 60 41 61 18 62 17 63 18 64 17 65 16 66 15 67 15 68 14 69 15 70 11 71 9 72 6 73 3 74 4 76 7 77 4 78 4 79 10 80 5 81 1 82 3 83 1 84 3 85 2 87 2 88 3 89 1 99 2 999 I don't Know 54 Sysmiss 2008 Is head of the household male or female 1992 2008 -9 Missing Data 3 1 Male 1654 2 Female 335 Sysmiss 2008 Which of the following applies to the head.. 1992 2008 -9 Missing Data 3 1 Never married 81 2 Married 1618 3 Cohabiting 2 4 Seperated 32 5 Divorced 59 6 Widowed 197 Sysmiss 2008 Does the head....earn an income? 1991 2009 -9 Missing Data 0 1 Yes 1871 2 No 120 Sysmiss 2009 Is the head... main income earner of the household? 1870 2130 -9 Missing Data 15 1 Yes 1705 2 No 150 Sysmiss 2130 What is the employment status of the head ......? is he/she 1872 2128 -9 Missing Data 12 1 An employer 17 2 An employee 552 3 self-employed 1153 4 unpaid family worker 5 5 unemployed 58 6 Others specify 75 Sysmiss 2128 What is your relationship with the head of the household 1991 2009 -9 Missing Data 17 1 Spouse/partener 1109 2 Parent/parent-in-law 176 3 Child 348 4 Grandparent 27 5 Other relative 280 6 Other 34 Sysmiss 2009 How old are you? 4000 0 -9 Missing Data 0 16 105 17 119 18 144 19 113 20 138 21 104 22 140 23 122 24 135 25 145 26 142 27 133 28 122 29 134 30 135 31 97 32 123 33 106 34 92 35 132 36 89 37 76 38 73 39 77 40 81 41 74 42 64 43 40 44 38 45 73 46 36 47 46 48 52 49 45 50 44 51 34 52 39 53 30 54 25 55 31 56 27 57 33 58 24 59 22 60 27 61 26 62 31 63 18 64 15 65 27 66 19 67 25 68 12 69 23 70 13 71 18 72 9 73 5 74 11 75 7 76 11 77 13 78 7 79 4 80 3 81 2 82 4 83 4 84 4 85 1 86 2 87 2 88 1 89 1 94 1 Sex 4000 0 1 Male 1884 2 Female 2116 Are you.... 4000 0 -9 Missing Data 7 1 Never married 888 2 Married 2476 3 Cohabiting 7 4 Seperated 100 5 Divorced 215 6 Widowed 307 Could you tell.....highest level of education..... 3994 6 -9 Missing Data 0 1 No formal education 390 2 Some Primary school 1295 3 Primary school completed 628 4 Some secondary school 989 5 Secondary school completed 396 6 Some college 59 7 College completed 207 8 Some University 7 9 University completed 17 10 Professional qualification or equivalent 5 11 Post Graduate/Doctorate 1 Sysmiss 6 What is your imployment status? 4000 0 -9 Missing Data 0 1 An employer 6 2 An employee 540 3 self-employed 1929 4 unpaid family worker 425 5 unemployed 847 6 Others 253 Who is responsible for your household's financial decisions? 4000 0 -9 Missing Data 10 1 You alone 809 2 You and your spouse/partner 2194 3 You and your household members [more than just partner] 173 4 You and household members and other familymembers 145 5 Decisions are made without involving me 669 How would you describe your general state of health 4000 0 -9 Missing Data 0 1 Health status is good 3272 2 Health status is average 611 3 Health status is poor 117 When you are ill where do you mostly go to be treated? 4000 0 -9 Missing Data 3 1 Public hospital or clinic 3760 2 Private doctor 17 3 Private hospital 94 4 Traditional healer 8 5 Friend or family 4 6 Other 94 7 Does not take treatment 20 What is the main material used for the roof of your dwelling 4000 0 -9 Missing Data 0 1 Concrete/cement 26 2 Asbestos sheet 731 3 Iron sheets 1204 4 Thatch/Grass/straw 2024 5 Tiles 5 6 Slate 1 7 Other 9 What is the main material used for the walls of the dwelling 4000 0 -9 Missing Data 0 1 Pan brick 97 2 Concrete brick 1023 3 Mud brick 1264 4 Mud burnt, brick 938 5 Pole 7 6 Pole and dagga 373 7 Mud 197 8 Thatch/grass/straw 89 9 Iron sheets 3 10 Hard board 1 11 Mixtures 1 12 Other 4 13 Does not know 3 What is the main material used of the floor of the dwelling 3993 7 -9 Missing Data 0 1 Concrete only 631 2 Covered concrete 1018 3 Mud 2281 4 Wood only 3 5 Other 57 6 Does not know 3 Sysmiss 7 How many rooms in this dwelling are used for sleeping? 4000 0 -9 Missing Data 4 1 1066 2 1678 3 928 4 231 5 55 6 23 7 7 8 4 10 1 11 1 14 1 16 1 How many people usually sleep in the dwelling? 4000 0 -9 Missing Data 4 1 225 2 301 3 516 4 700 5 617 6 490 7 395 8 322 9 184 10 112 11 54 12 30 13 23 14 11 15 7 16 3 17 3 18 1 19 2 Please tell me which of the following describes your stuatio 4000 0 -9 Missing Data 0 1 You own this dwelling 1489 2 Amember of your household owns this dwelling 1161 3 You/your household rent this dwelling 774 4 This dwelling is provided to you/your household rent free 540 5 Others 36 How did you get the dwelling? 1489 2511 -9 Missing Data 4 1 I bought it 159 2 I built it 1077 3 My family bought it 28 4 I inherited it 165 5 Other 56 Sysmiss 2511 Where did you get most of the money? 1238 2762 -9 Missing Data 6 1 Mortage from building society 0 2 Loan from bank 11 3 Loan from other financial institution [eg MFI, SACCO 2 4 Loan from government housing scheme 5 5 Own savings 701 6 Inherited some money 23 7 Pension lump,sum/terminal benefits payment 45 8 Other, specify 445 Sysmiss 2762 Do you owe money on the dwelling? 1242 2758 -9 Missing Data 1 1 Yes 32 2 No 865 3 Not applicable 344 Sysmiss 2758 You will never move and will probably spend your whole life 1493 2507 -9 Missing Data 4 1 True 1155 2 False 309 3 Don't apply 25 Sysmiss 2507 Your dwelling is something to keep and never sell 1492 2508 -9 Missing Data 5 1 True 1215 2 False 239 3 Don't apply 33 Sysmiss 2508 if you need a lager sum of money you would sell your dwellin 1492 2508 -9 Missing Data 6 1 True 137 2 False 1278 3 Don't apply 71 Sysmiss 2508 You will sell your dwelling to buy a bigger property 1492 2508 -9 Missing Data 5 1 True 153 2 False 1261 3 Don't apply 73 Sysmiss 2508 You would use your dwelling as security when borrowing 1492 2508 -9 Missing Data 7 1 True 184 2 False 1198 3 Don't apply 103 Sysmiss 2508 You think of your dwelling as an investiment that will incre 1492 2508 -9 Missing Data 8 1 True 549 2 False 829 3 Don't apply 106 Sysmiss 2508 Your dwelling is an asset to earn money e.g renting...... 1492 2508 -9 Missing Data 8 1 True 339 2 False 1007 3 Don't apply 138 Sysmiss 2508 You have enlarged or plan to enlarge your dwelling 1492 2508 -9 Missing Data 7 1 True 634 2 False 793 3 Don't apply 58 Sysmiss 2508 Do you have the title deed for the land/plot 1486 2514 -9 Missing Data 0 1 Yes 144 2 No 1342 Sysmiss 2514 Do you own other dwelling? 1487 2513 -9 Missing Data 0 1 Yes 150 2 No 1336 7 1 Sysmiss 2513 What is the main source of drinking water for household memb 3998 2 -9 Missing Data 0 1 Own tap 634 2 Public tap 496 3 Other tap 174 4 Borehole 762 5 Protected well 285 6 Pumped water 66 7 Unprotected well 1013 8 Lake/river/stream 533 9 Vendor 11 10 Other 24 Sysmiss 2 What type of toilet facility is mostly used by the members o 4000 0 -9 Missing Data 0 1 Own flush toilet inside dwelling 354 2 Own flush toilet outside 130 3 Communal shared flush toilet 52 4 Own pit latrine 2354 5 Communal pit latrine 308 6 Neighbour's/other's pit latrine 208 7 Acqua privy 9 8 Bucket 0 9 None 534 10 Other 51 What is the main source of energy that your household use fo 4000 0 -9 Missing Data 0 1 Electricity 663 2 Kerosene/parafin 38 3 Coal/wood/charcoal 3284 4 Gas 3 5 Crop/livestock residues 9 6 Other 3 What is the main source of energy that your household use fo 3997 3 -9 Missing Data 0 1 Electricity 848 2 Kerosene/Parrafin 1430 3 Candles 949 4 Disel 153 5 Open fire 226 6 Torch 216 7 Solar panel 85 8 Other 53 9 None 37 Sysmiss 3 Do you...have a..Cell paying aprepaid card 3978 22 -9 Missing Data 0 1 Yes 1522 2 No 2456 Sysmiss 22 Do you...have a..Cell with contract 3970 30 -9 Missing Data 0 1 Yes 96 2 No 3874 Sysmiss 30 Did you watch to TV in last month 4000 0 -9 Missing Data 2 1 Yes 1419 2 No 2579 Did you listen to radio in last month 4000 0 -9 Missing Data 2 1 Yes 2541 2 No 1457 Did you read newspaper in last month 4000 0 -9 Missing Data 1 1 Yes 800 2 No 3199 Did you read magazine in last month 4000 0 -9 Missing Data 1 1 Yes 607 2 No 3392 Pleas tell me what you regard as the most valuable thing.... 4000 0 -9 Missing Data 5 1 Dwelling or other buildings 402 2 Business businesses 119 3 Vehicle or means of transport 45 4 Household goods and furniture 156 5 Savings and/ investments 19 6 Health and ability to work 1002 7 Being part of a family with financial support 289 8 Children/spouse/family 1516 9 Other specify 447 Indicator of each first matching case as Primary 4000 0 0 Duplicate Case 0 1 Primary Case 4000 4000 0 -9 Missing Data 0 1 Always 44 2 Often 341 3 Sometimes 1680 4 Reraly 646 5 Never 1273 6 don't know 16 4000 0 -9 Missing Data 9 1 Always 157 2 Often 263 3 Sometimes 730 4 Reraly 587 5 Never 2231 6 don't know 23 4000 0 -9 Missing Data 3 1 Always 73 2 Often 272 3 Sometimes 1388 4 Reraly 692 5 Never 1524 6 don't know 48 4000 0 -9 Missing Data 10 1 Always 26 2 Often 101 3 Sometimes 700 4 Reraly 522 5 Never 2620 6 don't know 21 4000 0 -9 Missing Data 13 1 Always 198 2 Often 1020 3 Sometimes 1702 4 Reraly 333 5 Never 664 6 don't know 70 4000 0 -9 Missing Data 4 1 Always 23 2 Often 111 3 Sometimes 530 4 Reraly 246 5 Never 2944 6 don't know 142 3990 10 -9 Missing Data 15 1 Always 8 2 Often 23 3 Sometimes 152 4 Reraly 77 5 Never 3551 6 don't know 164 Sysmiss 10 3989 11 -9 Missing Data 107 1 Family/relative 1941 2 Friend/neighbour 686 3 Employer 82 4 Community based organisation 12 5 Church 18 6 Financial insititution like bank, MFI 24 7 Government 42 8 Ward councillor/political leader 4 9 Saving club 1 10 Money lender 24 11 Farmer association 0 12 No one 864 13 Don't know 58 14 Other 126 Sysmiss 11 3986 14 -9 Missing Data 151 1 Family/relative 677 2 Friend/neighbour 938 3 Employer 40 4 Community based organisation 79 5 Church 25 6 Financial insititution like bank, MFI 7 7 Government 158 8 Ward councillor/political leader 84 9 Saving club 0 10 Money lender 2 11 Farmer association 2 12 No one 1564 13 Don't know 98 14 Other 161 Sysmiss 14 3991 9 -9 Missing Data 81 1 Family/relative 992 2 Friend/neighbour 593 3 Employer 53 4 Community based organisation 64 5 Church 28 6 Financial insititution like bank, MFI 9 7 Government 651 8 Ward councillor/political leader 26 9 Saving club 1 10 Money lender 6 11 Farmer association 0 12 No one 1124 13 Don't know 79 14 Other 284 Sysmiss 9 3986 14 -9 Missing Data 167 1 Family/relative 856 2 Friend/neighbour 893 3 Employer 25 4 Community based organisation 7 5 Church 5 6 Financial insititution like bank, MFI 10 7 Government 13 8 Ward councillor/political leader 1 9 Saving club 0 10 Money lender 5 11 Farmer association 0 12 No one 1758 13 Don't know 81 14 Other 165 Sysmiss 14 3988 12 -9 Missing Data 69 1 Family/relative 1644 2 Friend/neighbour 594 3 Employer 161 4 Community based organisation 3 5 Church 24 6 Financial insititution like bank, MFI 45 7 Government 11 8 Ward councillor/political leader 0 9 Saving club 5 10 Money lender 52 11 Farmer association 2 12 No one 1131 13 Don't know 76 14 Other 171 Sysmiss 12 3984 16 -9 Missing Data 162 1 Family/relative 1252 2 Friend/neighbour 311 3 Employer 106 4 Community based organisation 13 5 Church 29 6 Financial insititution like bank, MFI 37 7 Government 34 8 Ward councillor/political leader 0 9 Saving club 3 10 Money lender 13 11 Farmer association 1 12 No one 1684 13 Don't know 176 14 Other 163 Sysmiss 16 2982 1018 -9 Missing Data 511 1 Family/relative 583 2 Friend/neighbour 136 3 Employer 65 4 Community based organisation 3 5 Church 19 6 Financial insititution like bank, MFI 14 7 Government 4 8 Ward councillor/political leader 0 9 Saving club 0 10 Money lender 2 11 Farmer association 1 12 No one 1449 13 Don't know 147 14 Other 48 Sysmiss 1018 1033 2967 -9 Missing Data 0 0 1 1 Family/relative 178 2 Friend/neighbour 516 3 Employer 26 4 Community based organisation 11 5 Church 27 6 Financial insititution like bank, MFI 2 7 Government 13 8 Ward councillor/political leader 0 9 Saving club 0 10 Money lender 0 11 Farmer association 1 12 No one 235 13 Don't know 2 14 Other 21 Sysmiss 2967 651 3349 -9 Missing Data 1 1 Family/relative 135 2 Friend/neighbour 210 3 Employer 14 4 Community based organisation 4 5 Church 5 6 Financial insititution like bank, MFI 0 7 Government 30 8 Ward councillor/political leader 19 9 Saving club 0 10 Money lender 0 11 Farmer association 1 12 No one 189 13 Don't know 4 14 Other 39 Sysmiss 3349 758 3242 -9 Missing Data 1 1 Family/relative 168 2 Friend/neighbour 263 3 Employer 21 4 Community based organisation 11 5 Church 28 6 Financial insititution like bank, MFI 0 7 Government 39 8 Ward councillor/political leader 7 9 Saving club 0 10 Money lender 0 11 Farmer association 0 12 No one 169 13 Don't know 9 14 Other 42 Sysmiss 3242 633 3367 -9 Missing Data 1 1 Family/relative 141 2 Friend/neighbour 239 3 Employer 14 4 Community based organisation 2 5 Church 11 6 Financial insititution like bank, MFI 0 7 Government 4 8 Ward councillor/political leader 1 9 Saving club 0 10 Money lender 0 11 Farmer association 0 12 No one 173 13 Don't know 7 14 Other 40 Sysmiss 3367 896 3104 -9 Missing Data 0 1 Family/relative 153 2 Friend/neighbour 345 3 Employer 38 4 Community based organisation 5 5 Church 30 6 Financial insititution like bank, MFI 9 7 Government 2 8 Ward councillor/political leader 2 9 Saving club 0 10 Money lender 6 11 Farmer association 0 12 No one 263 13 Don't know 12 14 Other 31 Sysmiss 3104 597 3403 -9 Missing Data 1 1 Family/relative 111 2 Friend/neighbour 209 3 Employer 32 4 Community based organisation 5 5 Church 26 6 Financial insititution like bank, MFI 2 7 Government 7 8 Ward councillor/political leader 0 9 Saving club 0 10 Money lender 1 11 Farmer association 0 12 No one 165 13 Don't know 15 14 Other 23 Sysmiss 3403 219 3781 -9 Missing Data 2 1 Family/relative 41 2 Friend/neighbour 67 3 Employer 19 4 Community based organisation 2 5 Church 9 6 Financial insititution like bank, MFI 0 7 Government 1 8 Ward councillor/political leader 2 9 Saving club 0 10 Money lender 0 11 Farmer association 0 12 No one 57 13 Don't know 11 14 Other 8 Sysmiss 3781 Do yo have access to *BY* Cellphone 4000 0 -9 Missing Data 0 1 Yes 2743 2 No 1257 Do yo have access to *BY* Public phone 3998 2 -9 Missing Data 2 1 Yes 551 2 No 3445 Sysmiss 2 Do yo have access to *BY* Telephone at home 3998 2 -9 Missing Data 3 1 Yes 38 2 No 3957 Sysmiss 2 Do yo have access to *BY* Computer at home 3997 3 -9 Missing Data 3 1 Yes 70 2 No 3924 Sysmiss 3 Do yo have access to *BY* Computer elsewhere 3998 2 -9 Missing Data 3 1 Yes 295 2 No 3700 Sysmiss 2 Do yo have access to *BY* internet at home 3998 2 -9 Missing Data 3 1 Yes 30 2 No 3965 Sysmiss 2 Do yo have access to *BY* Internet elsewhere 3998 2 -9 Missing Data 3 1 Yes 278 2 No 3717 Sysmiss 2 Do yo have access to *BY* Email at home 3997 3 -9 Missing Data 4 1 Yes 27 2 No 3966 Sysmiss 3 Do yo have access to *BY* Email elsewhere 3998 2 -9 Missing Data 2 1 Yes 246 2 No 3750 Sysmiss 2 Do you use this atleast once a week *BY* Cellphone 2738 1262 -9 Missing Data 7 1 Yes 2547 2 No 184 Sysmiss 1262 Do you use this atleast once a week *BY* Public phone 551 3449 -9 Missing Data 3 1 Yes 304 2 No 244 Sysmiss 3449 Do you use this atleast once a week *BY* Telephone at home 42 3958 -9 Missing Data 3 0 1 1 Yes 33 2 No 5 Sysmiss 3958 Do you use this atleast once a week *BY* Computer at home 73 3927 -9 Missing Data 4 1 Yes 59 2 No 10 Sysmiss 3927 Do you use this atleast once a week *BY* Computer elsewhere 297 3703 -9 Missing Data 6 1 Yes 162 2 No 129 Sysmiss 3703 Do you use this atleast once a week *BY* internet at home 36 3964 -9 Missing Data 3 1 Yes 24 2 No 9 Sysmiss 3964 Do you use this atleast once a week *BY* Internet elsewhere 279 3721 -9 Missing Data 6 1 Yes 155 2 No 118 Sysmiss 3721 Do you use this atleast once a week *BY* Email at home 32 3968 -9 Missing Data 4 1 Yes 21 2 No 7 Sysmiss 3968 Do you use this atleast once a week *BY* Email elsewhere 248 3752 -9 Missing Data 2 1 Yes 144 2 No 102 Sysmiss 3752 3999 1 -9 Missing Data 0 1 Yes 3485 2 No 513 8 1 Sysmiss 1 3998 2 -9 Missing Data 3 1 Yes 166 2 No 3829 Sysmiss 2 3998 2 -9 Missing Data 3 1 Yes 192 2 No 3803 Sysmiss 2 3998 2 -9 Missing Data 3 1 Yes 163 2 No 3832 Sysmiss 2 3998 2 -9 Missing Data 5 1 Yes 19 2 No 3974 Sysmiss 2 3998 2 -9 Missing Data 3 1 Yes 317 2 No 3678 Sysmiss 2 3998 2 -9 Missing Data 3 1 Yes 72 2 No 3923 Sysmiss 2 3998 2 -9 Missing Data 3 1 Yes 84 2 No 3911 Sysmiss 2 3998 2 -9 Missing Data 5 1 Yes 33 2 No 3960 Sysmiss 2 3998 2 -9 Missing Data 3 1 Yes 75 2 No 3920 Sysmiss 2 3998 2 -9 Missing Data 4 1 Yes 277 2 No 3717 Sysmiss 2 Own television 3878 122 0 No 2686 1 Yes 1192 Sysmiss 122 Own radio 3878 122 0 No 1510 1 Yes 2368 Sysmiss 122 Own Refridgerator 3878 122 0 No 3228 1 Yes 650 Sysmiss 122 Own Stove with oven 3878 122 0 No 3311 1 Yes 567 Sysmiss 122 Own Generator 3878 122 0 No 3842 1 Yes 36 Sysmiss 122 Own a Car or Track 3878 122 0 No 3709 1 Yes 169 Sysmiss 122 Own a four wheel drive 3878 122 0 No 3804 1 Yes 74 Sysmiss 122 Own a Cell phone 3878 122 0 No 1903 1 Yes 1975 Sysmiss 122 Own a Bicycle 3878 122 0 No 2306 1 Yes 1572 Sysmiss 122 Own a sewing machine 3878 122 0 No 3529 1 Yes 349 Sysmiss 122 Own a Bed 3878 122 0 No 1230 1 Yes 2648 Sysmiss 122 Own a Lounge Suite 3878 122 0 No 2764 1 Yes 1114 Sysmiss 122 Ward 3878 122 0 No 3357 1 Yes 521 Sysmiss 122 Own a tractor 3878 122 0 No 3864 1 Yes 14 Sysmiss 122 Own a Plough 3878 122 0 No 3558 1 Yes 320 Sysmiss 122 Own picks_hoes_handtools for working land 3878 122 0 No 742 1 Yes 3136 Sysmiss 122 Own a Hand drawn cart 3878 122 0 No 3805 1 Yes 73 Sysmiss 122 Own a Donkey or Ox drawn cart 3878 122 0 No 3773 1 Yes 105 Sysmiss 122 Which of the following statement describes your hh best 3991 9 -9 Missing Data 0 1 Your hh is only involed in farming/fishing and none in the hh has ... 1418 2 Your household is involved in farming/fishing and other work 1303 3 Your household is NOT involved in farming or fishing at all 1270 Sysmiss 9 Your household will sell some of your livestock....? 868 3132 -9 Missing Data 0 1 True 726 2 False 120 3 Don't know 22 Sysmiss 3132 Your household regards your livestock as a form of savings 879 3121 -9 Missing Data 11 1 True 699 2 False 135 3 Don't know 33 5 1 Sysmiss 3121 Your household will use your livestock as security.....money 877 3123 -9 Missing Data 11 1 True 247 2 False 555 3 Don't know 64 Sysmiss 3123 Your household will never sell your livestock. 878 3122 -9 Missing Data 11 1 True 76 2 False 732 3 Don't know 59 Sysmiss 3122 Which one of the following describes your household stuation 2724 1276 -9 Missing Data 6 1 You sell most of your farm produce/fish 587 2 You use most of your farm produce/fish 1604 3 526 4 1 Sysmiss 1276 Beans 2726 1274 -9 Missing Data 7 1 Yes 726 2 No 1993 Sysmiss 1274 Cassava 2728 1272 -9 Missing Data 7 1 Yes 1091 2 No 1630 Sysmiss 1272 Coffee 2728 1272 -9 Missing Data 7 1 Yes 7 2 No 2714 Sysmiss 1272 Cotton/Seed cotton 2728 1272 -9 Missing Data 7 1 Yes 177 2 No 2544 Sysmiss 1272 Cowpeas 2729 1271 -9 Missing Data 9 1 Yes 161 2 No 2559 Sysmiss 1271 Groundnuts 2728 1272 -9 Missing Data 4 1 Yes 1459 2 No 1265 Sysmiss 1272 Irish potatoes 2728 1272 -9 Missing Data 8 1 Yes 125 2 No 2595 Sysmiss 1272 Maize 2729 1271 -9 Missing Data 1 1 Yes 2380 2 No 348 Sysmiss 1271 Millet 2728 1272 -9 Missing Data 6 1 Yes 406 2 No 2316 Sysmiss 1272 Rice 2728 1272 -9 Missing Data 7 1 Yes 183 2 No 2538 Sysmiss 1272 Sorghum 2728 1272 -9 Missing Data 7 1 Yes 192 2 No 2529 Sysmiss 1272 Soya bean 2728 1272 -9 Missing Data 7 1 Yes 120 2 No 2601 Sysmiss 1272 Sugar cane 2728 1272 -9 Missing Data 7 1 Yes 68 2 No 2653 Sysmiss 1272 Sunflower 2728 1272 -9 Missing Data 7 1 Yes 230 2 No 2491 Sysmiss 1272 Sweet potatoes 2729 1271 -9 Missing Data 4 1 Yes 888 2 No 1837 Sysmiss 1271 Tobacco 2728 1272 -9 Missing Data 8 1 Yes 83 2 No 2637 Sysmiss 1272 Wheat 2728 1272 -9 Missing Data 7 1 Yes 20 2 No 2701 Sysmiss 1272 Vegetables 2728 1272 -9 Missing Data 6 1 Yes 658 2 No 2064 Sysmiss 1272 Other crops 2728 1272 -9 Missing Data 7 1 Yes 78 2 No 2643 Sysmiss 1272 Cattle 2728 1272 -9 Missing Data 4 1 Yes 423 2 No 2301 Sysmiss 1272 Goats 2728 1272 -9 Missing Data 4 1 Yes 495 2 No 2229 Sysmiss 1272 Sheep 2728 1272 -9 Missing Data 5 1 Yes 26 2 No 2697 Sysmiss 1272 Pigs 2728 1272 -9 Missing Data 4 1 Yes 220 2 No 2504 Sysmiss 1272 Other livestock specify 2728 1272 -9 Missing Data 9 1 Yes 23 2 No 2696 Sysmiss 1272 Poutry 2728 1272 -9 Missing Data 3 1 Yes 1402 2 No 1323 Sysmiss 1272 Fish-lake/river 2728 1272 -9 Missing Data 7 1 Yes 245 2 No 2476 Sysmiss 1272 Fish farming 2728 1272 -9 Missing Data 7 1 Yes 14 2 No 2707 Sysmiss 1272 S2Q3.1: For your farming and/or fishing activities......where do you 2719 1281 -9 Missing Data 6 1 I do not use any inputs for farming or fishing activities 141 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 1113 3 I have money to buy it, I use money from other sources of income 380 4 I Use savings I have 181 5 I sell some of my crops and use the money 494 6 I sell some of my livestock and use the money 39 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 8 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 16 9 I do piece work to get money to buy it 46 10 I get it in exchange for work I do 17 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 17 12 I get from a supplier or distributor and pay later 0 13 I get a loan from a bank 2 14 I get a loan from another financial institution (eg MFI, SACCO) 3 15 I get a loan from a farmers association 6 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 1 17 I borrow from a money lender eg Kaloba,shylock 1 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 30 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 13 20 A relative or friend gives them to me or gives me money to buy it 86 21 A relative or friend takes a loan to buy them for me 5 22 Other specify 68 23 Does not know 46 Sysmiss 1281 S2Q3.2: For your farming and/or fishing activities......where do you 954 3046 -9 Missing Data 0 1 I do not use any inputs for farming or fishing activities 1 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 41 3 I have money to buy it, I use money from other sources of income 79 4 I Use savings I have 55 5 I sell some of my crops and use the money 304 6 I sell some of my livestock and use the money 120 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 14 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 23 9 I do piece work to get money to buy it 67 10 I get it in exchange for work I do 19 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 50 12 I get from a supplier or distributor and pay later 4 13 I get a loan from a bank 1 14 I get a loan from another financial institution (eg MFI, SACCO) 2 15 I get a loan from a farmers association 7 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 0 17 I borrow from a money lender eg Kaloba,shylock 3 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 47 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 6 20 A relative or friend gives them to me or gives me money to buy it 88 21 A relative or friend takes a loan to buy them for me 6 22 Other specify 17 23 Does not know 0 Sysmiss 3046 S2Q3.3: For your farming and/or fishing activities......where do you 184 3816 -9 Missing Data 0 1 I do not use any inputs for farming or fishing activities 0 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 0 3 I have money to buy it, I use money from other sources of income 1 4 I Use savings I have 4 5 I sell some of my crops and use the money 24 6 I sell some of my livestock and use the money 35 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 9 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 5 9 I do piece work to get money to buy it 16 10 I get it in exchange for work I do 6 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 9 12 I get from a supplier or distributor and pay later 3 13 I get a loan from a bank 1 14 I get a loan from another financial institution (eg MFI, SACCO) 1 15 I get a loan from a farmers association 1 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 2 17 I borrow from a money lender eg Kaloba,shylock 1 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 36 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 2 20 A relative or friend gives them to me or gives me money to buy it 22 21 A relative or friend takes a loan to buy them for me 0 22 Other specify 6 23 Does not know 0 Sysmiss 3816 S2Q3.4: For your farming and/or fishing activities......where do you 39 3961 -9 Missing Data 0 1 I do not use any inputs for farming or fishing activities 0 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 0 3 I have money to buy it, I use money from other sources of income 0 4 I Use savings I have 0 5 I sell some of my crops and use the money 1 6 I sell some of my livestock and use the money 5 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 3 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 3 9 I do piece work to get money to buy it 6 10 I get it in exchange for work I do 1 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 1 12 I get from a supplier or distributor and pay later 1 13 I get a loan from a bank 0 14 I get a loan from another financial institution (eg MFI, SACCO) 0 15 I get a loan from a farmers association 0 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 0 17 I borrow from a money lender eg Kaloba,shylock 0 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 14 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 0 20 A relative or friend gives them to me or gives me money to buy it 3 21 A relative or friend takes a loan to buy them for me 0 22 Other specify 1 23 Does not know 0 Sysmiss 3961 S2Q3.5: For your farming and/or fishing activities......where do you 7 3993 -9 Missing Data 0 1 I do not use any inputs for farming or fishing activities 0 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 0 3 I have money to buy it, I use money from other sources of income 0 4 I Use savings I have 0 5 I sell some of my crops and use the money 0 6 I sell some of my livestock and use the money 0 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 0 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 1 9 I do piece work to get money to buy it 1 10 I get it in exchange for work I do 0 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 0 12 I get from a supplier or distributor and pay later 0 13 I get a loan from a bank 0 14 I get a loan from another financial institution (eg MFI, SACCO) 0 15 I get a loan from a farmers association 0 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 0 17 I borrow from a money lender eg Kaloba,shylock 0 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 2 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 1 20 A relative or friend gives them to me or gives me money to buy it 2 21 A relative or friend takes a loan to buy them for me 0 22 Other specify 0 23 Does not know 0 Sysmiss 3993 S2Q3A.1: During which months is the your expenditure on your farming 2715 1285 -9 Missing Data 6 1 January 311 2 February 37 3 March 23 4 April 29 5 May 16 6 June 36 7 July 26 8 August 134 9 September 179 10 October 450 11 November 682 12 December 125 13 All months are the same 17 14 NA-no expenditure 595 15 Don't know 49 Sysmiss 1285 S2Q3A.2: During which months is the your expenditure on your farming 1164 2836 -9 Missing Data 0 1 January 0 2 February 55 3 March 8 4 April 8 5 May 12 6 June 14 7 July 23 8 August 27 9 September 94 10 October 134 11 November 380 12 December 405 13 All months are the same 0 14 NA-no expenditure 3 15 Don't know 1 Sysmiss 2836 S2Q3A.3: During which months is the your expenditure on your farming 366 3634 -9 Missing Data 0 1 January 0 2 February 0 3 March 8 4 April 2 5 May 3 6 June 5 7 July 6 8 August 12 9 September 15 10 October 42 11 November 91 12 December 181 13 All months are the same 1 14 NA-no expenditure 0 15 Don't know 0 Sysmiss 3634 S2Q3A.4: During which months is the your expenditure on your farming 95 3905 -9 Missing Data 0 1 January 0 2 February 0 3 March 0 4 April 0 5 May 1 6 June 0 7 July 2 8 August 0 9 September 9 10 October 12 11 November 24 12 December 47 13 All months are the same 0 14 NA-no expenditure 0 15 Don't know 0 Sysmiss 3905 S2Q3A.5: During which months is the your expenditure on your farming 28 3972 -9 Missing Data 0 1 January 0 2 February 0 3 March 0 4 April 0 5 May 0 6 June 0 7 July 0 8 August 1 9 September 0 10 October 6 11 November 7 12 December 14 13 All months are the same 0 14 NA-no expenditure 0 15 Don't know 0 Sysmiss 3972 S2Q3A.6: During which months is the your expenditure on your farming 6 3994 -9 Missing Data 0 1 January 0 2 February 0 3 March 0 4 April 0 5 May 0 6 June 0 7 July 0 8 August 0 9 September 1 10 October 0 11 November 3 12 December 2 13 All months are the same 0 14 NA-no expenditure 0 15 Don't know 0 Sysmiss 3994 S2Q3A.7: During which months is the your expenditure on your farming 2 3998 -9 Missing Data 0 1 January 0 2 February 0 3 March 0 4 April 0 5 May 0 6 June 0 7 July 0 8 August 0 9 September 0 10 October 1 11 November 0 12 December 1 13 All months are the same 0 14 NA-no expenditure 0 15 Don't know 0 Sysmiss 3998 S2Q3A.8: During which months is the your expenditure on your farming 1 3999 -9 Missing Data 0 1 January 0 2 February 0 3 March 0 4 April 0 5 May 0 6 June 0 7 July 0 8 August 0 9 September 0 10 October 0 11 November 1 12 December 0 13 All months are the same 0 14 NA-no expenditure 0 15 Don't know 0 Sysmiss 3999 S2Q3A.9: During which months is the your expenditure on your farming 1 3999 -9 Missing Data 0 1 January 0 2 February 0 3 March 0 4 April 0 5 May 0 6 June 0 7 July 0 8 August 0 9 September 0 10 October 0 11 November 0 12 December 1 13 All months are the same 0 14 NA-no expenditure 0 15 Don't know 0 Sysmiss 3999 How do you prefer to be paid for these activities tha we jus 3363 637 -9 Missing Data 20 1 cash 3131 2 cheque 13 3 Into bank account 185 4 other specify 14 Sysmiss 637 Do you work...... 544 3456 -9 6 1 full-time 466 2 part-time 72 Sysmiss 3456 You said you got money from hh member who gives .... 274 3726 -9 Missing Data 9 1 Parent 36 2 Child 19 3 Spouse/paterner 184 4 Other 26 Sysmiss 3726 TOTAL MONTHLY PERSONAL INCOME..... 3254 746 -9 Missing Data 0 1 No income 93 2 Less than K50,000 142 3 K50,000 - K100,000 259 4 K100,001 - K150,000 151 5 K150,001 - K200,000 157 6 K200,001 - K300,000 228 7 K300,001 - K400,000 159 8 K400,001 - K600,000 198 9 K600,001 - K800,000 108 10 K800,001 - K1,000,000 77 11 K1,000,001 - K5,000,000 297 12 K5,000,001 - K10,000,000 22 13 Over K10,000,000 6 14 Don't have monthly income 892 15 Uncertain / Do not know 441 16 Refuse to answer 24 Sysmiss 746 TOTAL ANNUAL PERSONAL INCOME..... 3311 689 -9 Missing Data 73 1 No income 158 2 Up to K500,000 262 3 K500,001 - K1,000,000 238 4 K1,000,001 - K2,000,000 302 5 K2,000,001 - K5,000,000 429 6 K5,000,001 - K10,000,000 265 7 K10,000,001 - K20,000,000 235 8 K20,000,001 - K30,000,000 88 9 K30,000,001 - K50,000,000 42 10 Over K50,000,000 24 11 Uncertain / Do not know 1168 12 Refuse to answer 27 Sysmiss 689 Which of the.....is most accurate? 2175 1825 -9 Missing Data 162 1 Annual 412 2 Monthly 1066 3 Both accurate 255 4 Dont know 280 Sysmiss 1825 Do you have money of your own.... 3385 615 -9 Missing Data 10 1 Yes 1326 2 No 2049 Sysmiss 615 Why not? 2049 1951 -9 Missing Data 36 1 Money goes into household expenses 1535 2 Have to give my money to household member/family member 97 3 Does not get an income 248 4 Other specify 105 5 Refused to answer 28 Sysmiss 1951 Which of the following events is the most costly? 4000 0 -9 Missing Data 9 1 Birth of a child 239 2 Lobola 119 3 Wedding 291 4 Funeral 967 5 illness or medical emergency 777 6 Children's education 1311 7 does not know 287 How would you pay for it? 3842 158 -9 Missing Data 121 1 Save for it 676 2 Rely on saving club 32 3 Borrow money at the time 355 4 Rely on family/friends 1780 5 Rely on community 214 6 Cell something to cover the costs 317 7 Don't know 170 8 Other 177 Sysmiss 158 Which source of money do you rely on most to make a living? 3535 465 -9 Missing Data 0 1 Salaries / wages from a company / business 265 2 Salaries / wages from a farm 68 3 Salaries / wages from an individual (incl family) 62 4 Salaries/wages from government 173 5 Self-employed in own business 613 6 1250 7 Money from fishing/fish farming 95 8 Rental income 31 9 Private pension 4 10 State/Government pension 8 11 Social welfare money/grant from Government 1 12 Maintenance money 5 13 Interest from savings, investments, stocks, unit trusts,etc. 0 14 Money from business investments in the country 10 15 Money from business investments outside the country 0 16 Money from family in the country 79 17 Money from family outside the country 5 18 Money from friend in the country 4 19 Money from friend outside the country 1 20 Get money from household member 388 21 Household member pays all my expenses 95 22 Borrow goods to sell for income and repaying lender after selling (marketeering) 3 23 Exchanging goods and selling the exchanged goods 1 24 Piece work 154 25 Trading products collected from nature (such as wood, thatch, charcoal, honey, muti etc.) 36 26 Provide financial services to your community for profit (money lender) 2 27 Other specify 28 28 Do not receive income 154 Sysmiss 465 S3Q1.1: Most three important item you pay for 3997 3 -9 Missing Data 5 1 Rent 513 2 Electricity bills 172 3 Water bills 55 4 Telephone / cellphone bills 66 5 Food & groceries 2388 6 Clothing 67 7 Medical expenses 6 8 School / tuition fees 9 9 Fuel - Charcoal / Wood / Paraffin 1 10 Petrol / Diesel 0 11 Savings club contribution e.g. Chilimba, ROSCA, ASCA 0 12 Money owed to store where I got goods 2 13 Money owed to suppliers of the goods I sell 0 14 Loan from bank 0 15 Loan from another financial institution 0 16 Loan from money lender eg Kaloba, shylock 0 17 Money owed to family/friends 4 18 Other specify 16 19 I don't have expenditure 693 Sysmiss 3 S3Q1.2: Most three important item you pay for 3111 889 -9 Missing Data 0 1 Rent 0 2 Electricity bills 113 3 Water bills 99 4 Telephone / cellphone bills 20 5 Food & groceries 547 6 Clothing 1860 7 Medical expenses 173 8 School / tuition fees 173 9 Fuel - Charcoal / Wood / Paraffin 70 10 Petrol / Diesel 17 11 Savings club contribution e.g. Chilimba, ROSCA, ASCA 1 12 Money owed to store where I got goods 1 13 Money owed to suppliers of the goods I sell 0 14 Loan from bank 1 15 Loan from another financial institution 0 16 Loan from money lender eg Kaloba, shylock 1 17 Money owed to family/friends 5 18 Other specify 21 19 I don't have expenditure 9 Sysmiss 889 S3Q1.3: Most three important item you pay for 2591 1409 -9 Missing Data 0 1 Rent 0 2 Electricity bills 0 3 Water bills 53 4 Telephone / cellphone bills 5 5 Food & groceries 143 6 Clothing 189 7 Medical expenses 421 8 School / tuition fees 679 9 Fuel - Charcoal / Wood / Paraffin 701 10 Petrol / Diesel 29 11 Savings club contribution e.g. Chilimba, ROSCA, ASCA 5 12 Money owed to store where I got goods 20 13 Money owed to suppliers of the goods I sell 6 14 Loan from bank 0 15 Loan from another financial institution 5 16 Loan from money lender eg Kaloba, shylock 6 17 Money owed to family/friends 56 18 Other specify 266 19 I don't have expenditure 7 Sysmiss 1409 S3Q2A.1: How do you pay for food/groceries 3991 9 -9 Missing Data 3 1 By using cash 3215 2 By borrowing money and paying in cash 0 3 By cheque 1 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 1 9 By getting from the store/supplier and paying later with interest 1 10 By getting from the store/supplier and paying later without interest 9 11 By exchanging goods for this 10 12 By doing piece work or providing services for it 18 13 Other specify 22 14 I don't buy this 711 Sysmiss 9 S3Q2A.2: How do you pay for food/groceries 77 3923 -9 Missing Data 0 0 2 1 By using cash 4 2 By borrowing money and paying in cash 11 3 By cheque 0 4 By debit card / ATM card / Cashpoint card / Connect card 2 5 By credit card e.g. Master Card 0 6 By other bank card 1 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 1 10 By getting from the store/supplier and paying later without interest 14 11 By exchanging goods for this 15 12 By doing piece work or providing services for it 18 13 Other specify 5 14 I don't buy this 4 Sysmiss 3923 S3Q2A.3: How do you pay for food/groceries 4 3996 -9 Missing Data 0 1 By using cash 0 2 By borrowing money and paying in cash 0 3 By cheque 0 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 2 10 By getting from the store/supplier and paying later without interest 1 11 By exchanging goods for this 0 12 By doing piece work or providing services for it 1 13 Other specify 0 14 I don't buy this 0 Sysmiss 3996 S3Q2A.4: How do you pay for food/groceries 1 3999 -9 Missing Data 0 1 By using cash 0 2 By borrowing money and paying in cash 0 3 By cheque 0 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 0 10 By getting from the store/supplier and paying later without interest 0 11 By exchanging goods for this 0 12 By doing piece work or providing services for it 0 13 Other specify 1 14 I don't buy this 0 Sysmiss 3999 S3Q2B.1: How do you pay for clothes 3989 11 -9 Missing Data 5 1 By using cash 3207 2 By borrowing money and paying in cash 6 3 By cheque 0 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 2 10 By getting from the store/supplier and paying later without interest 16 11 By exchanging goods for this 46 12 By doing piece work or providing services for it 30 13 Other specify 13 14 I don't buy this 663 21 1 Sysmiss 11 S3Q2B.2: How do you pay for clothes 72 3928 -9 Missing Data 0 1 By using cash 5 2 By borrowing money and paying in cash 8 3 By cheque 0 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 5 10 By getting from the store/supplier and paying later without interest 17 11 By exchanging goods for this 26 12 By doing piece work or providing services for it 7 13 Other specify 2 14 I don't buy this 2 Sysmiss 3928 S3Q2B.3: How do you pay for clothes 3 3997 -9 Missing Data 0 1 By using cash 0 2 By borrowing money and paying in cash 0 3 By cheque 0 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 1 10 By getting from the store/supplier and paying later without interest 0 11 By exchanging goods for this 0 12 By doing piece work or providing services for it 2 13 Other specify 0 14 I don't buy this 0 Sysmiss 3997 S3Q2B.4: How do you pay for clothes 0 4000 -9 Missing Data 0 1 By using cash 0 2 By borrowing money and paying in cash 0 3 By cheque 0 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 0 10 By getting from the store/supplier and paying later without interest 0 11 By exchanging goods for this 0 12 By doing piece work or providing services for it 0 13 Other specify 0 14 I don't buy this 0 Sysmiss 4000 S3Q2C.1: How do you pay for larger hh goos or appliances 3976 24 -9 Missing Data 5 1 By using cash 2606 2 By borrowing money and paying in cash 8 3 By cheque 2 4 By debit card / ATM card / Cashpoint card / Connect card 2 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 13 10 By getting from the store/supplier and paying later without interest 25 11 By exchanging goods for this 36 12 By doing piece work or providing services for it 20 13 Other specify 7 14 I don't buy this 1252 Sysmiss 24 S3Q2C.2: How do you pay for larger hh goos or appliances 47 3953 -9 Missing Data 0 1 By using cash 12 2 By borrowing money and paying in cash 5 3 By cheque 1 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 1 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 3 10 By getting from the store/supplier and paying later without interest 9 11 By exchanging goods for this 8 12 By doing piece work or providing services for it 3 13 Other specify 0 14 I don't buy this 5 Sysmiss 3953 S3Q2C.3: How do you pay for larger hh goos or appliances 2 3998 -9 Missing Data 0 1 By using cash 0 2 By borrowing money and paying in cash 0 3 By cheque 0 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 1 10 By getting from the store/supplier and paying later without interest 1 11 By exchanging goods for this 0 12 By doing piece work or providing services for it 0 13 Other specify 0 14 I don't buy this 0 Sysmiss 3998 S3Q2C.4: How do you pay for larger hh goos or appliances 0 4000 -9 Missing Data 0 1 By using cash 0 2 By borrowing money and paying in cash 0 3 By cheque 0 4 By debit card / ATM card / Cashpoint card / Connect card 0 5 By credit card e.g. Master Card 0 6 By other bank card 0 7 Cell phone payment 0 8 Internet payment 0 9 By getting from the store/supplier and paying later with interest 0 10 By getting from the store/supplier and paying later without interest 0 11 By exchanging goods for this 0 12 By doing piece work or providing services for it 0 13 Other specify 0 14 I don't buy this 0 Sysmiss 4000 3999 1 -9 Missing Data 0 1 Yes 267 2 No 3732 Sysmiss 1 3980 20 -9 Missing Data 0 1 Yes 59 2 No 3921 Sysmiss 20 3980 20 -9 Missing Data 0 1 Yes 69 2 No 3911 Sysmiss 20 3980 20 -9 Missing Data 0 1 Yes 176 2 No 3804 Sysmiss 20 3978 22 -9 Missing Data 0 1 Yes 739 2 No 3239 Sysmiss 22 3974 26 -9 Missing Data 0 1 Yes 1593 2 No 2381 Sysmiss 26 3975 25 -9 Missing Data 0 1 Yes 174 2 No 3801 Sysmiss 25 3976 24 -9 Missing Data 0 1 Yes 47 2 No 3929 Sysmiss 24 3977 23 -9 Missing Data 0 1 Yes 7 2 No 3970 Sysmiss 23 3977 23 -9 Missing Data 0 1 Yes 12 2 No 3965 Sysmiss 23 3977 23 -9 Missing Data 0 1 Yes 1 2 No 3976 Sysmiss 23 3977 23 -9 Missing Data 0 1 Yes 7 2 No 3970 Sysmiss 23 3977 23 -9 Missing Data 0 1 Yes 0 2 No 3977 Sysmiss 23 3977 23 -9 Missing Data 0 1 Yes 22 2 No 3955 Sysmiss 23 3977 23 -9 Missing Data 0 1 Yes 1 2 No 3976 Sysmiss 23 3977 23 -9 Missing Data 0 1 Yes 176 2 No 3801 Sysmiss 23 3976 24 -9 Missing Data 0 1 Yes 13 2 No 3963 Sysmiss 24 3977 23 -9 Missing Data 0 1 Yes 9 2 No 3968 Sysmiss 23 3977 23 -9 Missing Data 0 1 Yes 3 2 No 3974 Sysmiss 23 3977 23 -9 Missing Data 0 1 Yes 491 2 No 3486 Sysmiss 23 3975 25 -9 Missing Data 0 1 Yes 114 2 No 3861 Sysmiss 25 3975 25 -9 Missing Data 0 1 Yes 6 2 No 3969 Sysmiss 25 3976 24 -9 Missing Data 0 1 Yes 11 2 No 3965 Sysmiss 24 3976 24 -9 Missing Data 0 1 Yes 329 2 No 3647 Sysmiss 24 3976 24 -9 Missing Data 0 1 Yes 82 2 No 3894 Sysmiss 24 3976 24 -9 Missing Data 0 1 Yes 3 2 No 3973 Sysmiss 24 3975 25 -9 Missing Data 0 1 Yes 60 2 No 3915 Sysmiss 25 3973 27 -9 Missing Data 0 1 Yes 582 2 No 3389 7 1 25 1 Sysmiss 27 Times of the year when money from... Salaries / wages from a company / business 263 3737 -9 Missing Data 5 1 All months of the year 247 2 Only specific months (seasonally) 8 3 Occasionaly 2 4 1 Sysmiss 3737 60 3940 -9 Missing Data 1 1 All months of the year 51 2 Only specific months (seasonally) 5 3 Occasionaly 3 Sysmiss 3940 Times of the year when money from... Salaries / wages from an individual (incl 70 3930 -9 Missing Data 1 1 All months of the year 60 2 Only specific months (seasonally) 1 3 Occasionaly 8 Sysmiss 3930 177 3823 -9 Missing Data 1 1 All months of the year 174 2 Only specific months (seasonally) 2 3 Occasionaly 0 Sysmiss 3823 737 3263 -9 Missing Data 3 1 All months of the year 455 2 Only specific months (seasonally) 164 3 Occasionaly 115 Sysmiss 3263 Times of the year when money from... Money from farming - sale of crops/livesto 1594 2406 -9 Missing Data 11 1 All months of the year 142 2 Only specific months (seasonally) 1185 3 Occasionaly 256 Sysmiss 2406 175 3825 -9 Missing Data 1 0 1 1 All months of the year 37 2 Only specific months (seasonally) 101 3 Occasionaly 35 Sysmiss 3825 48 3952 -9 Missing Data 1 1 All months of the year 41 2 Only specific months (seasonally) 3 3 Occasionaly 3 Sysmiss 3952 8 3992 -9 Missing Data 1 1 All months of the year 6 2 Only specific months (seasonally) 0 3 Occasionaly 1 Sysmiss 3992 13 3987 -9 Missing Data 1 1 All months of the year 12 2 Only specific months (seasonally) 0 3 Occasionaly 0 Sysmiss 3987 Times of the year when money from... Social welfare money/grant from Government 2 3998 -9 Missing Data 1 1 All months of the year 0 2 Only specific months (seasonally) 0 3 Occasionaly 1 Sysmiss 3998 8 3992 -9 Missing Data 1 1 All months of the year 5 2 Only specific months (seasonally) 1 3 Occasionaly 1 Sysmiss 3992 Times of the year when money from... Interest from savings, investments, stocks 1 3999 -9 Missing Data 1 1 All months of the year 0 2 Only specific months (seasonally) 0 3 Occasionaly 0 Sysmiss 3999 Times of the year when money from... Money from business investments in the cou 23 3977 -9 Missing Data 1 1 All months of the year 16 2 Only specific months (seasonally) 3 3 Occasionaly 3 Sysmiss 3977 Times of the year when money from... Money from business investments outside th 2 3998 -9 Missing Data 1 1 All months of the year 0 2 Only specific months (seasonally) 1 3 Occasionaly 0 Sysmiss 3998 174 3826 -9 Missing Data 1 1 All months of the year 30 2 Only specific months (seasonally) 41 3 Occasionaly 102 Sysmiss 3826 14 3986 -9 Missing Data 1 1 All months of the year 4 2 Only specific months (seasonally) 1 3 Occasionaly 8 Sysmiss 3986 10 3990 -9 Missing Data 1 1 All months of the year 2 2 Only specific months (seasonally) 1 3 Occasionaly 6 Sysmiss 3990 4 3996 -9 Missing Data 1 1 All months of the year 1 2 Only specific months (seasonally) 1 3 Occasionaly 1 Sysmiss 3996 490 3510 -9 Missing Data 2 1 All months of the year 234 2 Only specific months (seasonally) 100 3 Occasionaly 154 Sysmiss 3510 115 3885 -9 Missing Data 1 1 All months of the year 75 2 Only specific months (seasonally) 13 3 Occasionaly 26 Sysmiss 3885 Times of the year when money from... Borrow goods to sell for income and repayi 7 3993 -9 Missing Data 1 1 All months of the year 1 2 Only specific months (seasonally) 2 3 Occasionaly 3 Sysmiss 3993 Times of the year when money from... Exchanging goods and selling the exchanged 12 3988 -9 Missing Data 1 1 All months of the year 3 2 Only specific months (seasonally) 7 3 Occasionaly 1 Sysmiss 3988 330 3670 -9 Missing Data 1 1 All months of the year 63 2 Only specific months (seasonally) 111 3 Occasionaly 155 Sysmiss 3670 Times of the year when money from... Trading products collected from nature (su 83 3917 -9 Missing Data 2 1 All months of the year 31 2 Only specific months (seasonally) 28 3 Occasionaly 22 Sysmiss 3917 Times of the year when money from... Provide financial services to your communi 4 3996 -9 Missing Data 1 1 All months of the year 2 2 Only specific months (seasonally) 0 3 Occasionaly 1 Sysmiss 3996 59 3941 -9 Missing Data 1 1 All months of the year 19 2 Only specific months (seasonally) 8 3 Occasionaly 31 Sysmiss 3941 2 3998 -9 Missing Data 1 1 All months of the year 0 2 Only specific months (seasonally) 1 3 Occasionaly 0 Sysmiss 3998 Ways of receiving ... Salaries / wages from a company / business 262 3738 -9 Missing Data 0 1 Cash in person 177 2 Cash - 3rd party 3 3 Swift transfer 1 4 Western Union 3 5 Into bank account 78 6 Other 0 Sysmiss 3738 Ways of receiving ... Salaries / wages from a farm 59 3941 -9 Missing Data 0 1 Cash in person 57 2 Cash - 3rd party 1 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 1 Sysmiss 3941 Ways of receiving ... Salaries / wages from an individual (incl family) 69 3931 -9 Missing Data 0 1 Cash in person 69 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 3931 Ways of receiving ... Salaries/wages from government 175 3825 -9 Missing Data 0 1 Cash in person 59 2 Cash - 3rd party 1 3 Swift transfer 0 4 Western Union 2 5 Into bank account 111 6 Other 2 Sysmiss 3825 Ways of receiving ... Self-employed in own business 736 3264 -9 Missing Data 0 1 Cash in person 709 2 Cash - 3rd party 10 3 Swift transfer 4 4 Western Union 3 5 Into bank account 6 6 Other 4 Sysmiss 3264 Ways of receiving ... Money from farming - sale of crops/livestock/poultry or 1580 2420 -9 Missing Data 0 1 Cash in person 1534 2 Cash - 3rd party 33 3 Swift transfer 7 4 Western Union 1 5 Into bank account 1 6 Other 4 Sysmiss 2420 Ways of receiving ... Money from fishing/fish farming 173 3827 -9 Missing Data 0 1 Cash in person 169 2 Cash - 3rd party 1 3 Swift transfer 1 4 Western Union 2 5 Into bank account 0 6 Other 0 Sysmiss 3827 Ways of receiving ... Rental income 46 3954 -9 Missing Data 0 1 Cash in person 44 2 Cash - 3rd party 0 3 Swift transfer 1 4 Western Union 1 5 Into bank account 0 6 Other 0 Sysmiss 3954 Ways of receiving ... Private pension 7 3993 -9 Missing Data 0 1 Cash in person 4 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 3 6 Other 0 Sysmiss 3993 Ways of receiving ... State/Government pension 12 3988 -9 Missing Data 0 1 Cash in person 5 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 7 6 Other 0 Sysmiss 3988 Ways of receiving ... Social welfare money/grant from Government 1 3999 -9 Missing Data 0 1 Cash in person 1 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 3999 Ways of receiving ... Maintenance money 7 3993 -9 Missing Data 0 1 Cash in person 4 2 Cash - 3rd party 1 3 Swift transfer 0 4 Western Union 2 5 Into bank account 0 6 Other 0 Sysmiss 3993 Ways of receiving ... Interest from savings, investments, stocks, unit trusts,e 0 4000 -9 Missing Data 0 1 Cash in person 0 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 4000 Ways of receiving ... Interest from savings, investments, stocks, unit trusts,etc. Ways of receiving ... Money from business investments in the country 22 3978 -9 Missing Data 0 1 Cash in person 21 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 1 6 Other 0 Sysmiss 3978 Ways of receiving ... Money from business investments outside the country 1 3999 -9 Missing Data 0 1 Cash in person 1 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 3999 Ways of receiving ... Money from family in the country 175 3825 -9 Missing Data 0 1 Cash in person 121 2 Cash - 3rd party 28 3 Swift transfer 19 4 Western Union 2 5 Into bank account 2 6 Other 3 Sysmiss 3825 Ways of receiving ... Money from family outside the country 13 3987 -9 Missing Data 0 1 Cash in person 5 2 Cash - 3rd party 1 3 Swift transfer 1 4 Western Union 5 5 Into bank account 1 6 Other 0 Sysmiss 3987 Ways of receiving ... Money from friend in the country 9 3991 -9 Missing Data 0 1 Cash in person 8 2 Cash - 3rd party 0 3 Swift transfer 1 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 3991 Ways of receiving ... Money from friend outside the country 3 3997 -9 Missing Data 0 1 Cash in person 3 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 3997 Ways of receiving ... Get money from household member 483 3517 -9 Missing Data 0 1 Cash in person 465 2 Cash - 3rd party 7 3 Swift transfer 2 4 Western Union 3 5 Into bank account 4 6 Other 2 Sysmiss 3517 Ways of receiving ... Household member pays all my expenses 113 3887 -9 Missing Data 0 1 Cash in person 90 2 Cash - 3rd party 10 3 Swift transfer 0 4 Western Union 1 5 Into bank account 0 6 Other 12 Sysmiss 3887 Ways of receiving ... Borrow goods to sell for income and repaying lender after 6 3994 -9 Missing Data 0 1 Cash in person 6 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 3994 Ways of receiving ... Borrow goods to sell for income and repaying lender after selling (marketeering) Ways of receiving ... Exchanging goods and selling the exchanged goods 11 3989 -9 Missing Data 0 1 Cash in person 10 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 1 Sysmiss 3989 Ways of receiving ... Piece work 324 3676 -9 Missing Data 0 1 Cash in person 314 2 Cash - 3rd party 4 3 Swift transfer 1 4 Western Union 0 5 Into bank account 0 6 Other 5 Sysmiss 3676 Ways of receiving ... Trading products collected from nature (such as wood, tha 80 3920 -9 Missing Data 0 1 Cash in person 79 2 Cash - 3rd party 1 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 3920 Ways of receiving ... Trading products collected from nature (such as wood, thatch, charcoal, honey, muti etc.) Ways of receiving ... Provide financial services to your community for profit ( 3 3997 -9 Missing Data 0 1 Cash in person 3 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 3997 Ways of receiving ... Provide financial services to your community for profit (money lender) Ways of receiving ... Other specify 58 3942 -9 Missing Data 0 1 Cash in person 54 2 Cash - 3rd party 0 3 Swift transfer 3 4 Western Union 0 5 Into bank account 1 6 Other 0 Sysmiss 3942 Ways of receiving ... Do not receive income 1 3999 -9 Missing Data 0 1 Cash in person 1 2 Cash - 3rd party 0 3 Swift transfer 0 4 Western Union 0 5 Into bank account 0 6 Other 0 Sysmiss 3999 Frequency of receiving... Salaries / wages from a company / business 262 3738 -9 Missing Data 1 1 Daily 4 2 Weekly 3 3 Twice amonth 0 4 Monthly 243 5 More than monthly 11 Sysmiss 3738 Frequency of receiving... Salaries / wages from a farm 60 3940 -9 Missing Data 1 1 Daily 0 2 Weekly 1 3 Twice amonth 1 4 Monthly 52 5 More than monthly 5 Sysmiss 3940 Frequency of receiving... Salaries / wages from an individual (incl family) 70 3930 -9 Missing Data 1 1 Daily 1 2 Weekly 5 3 Twice amonth 1 4 Monthly 57 5 More than monthly 5 Sysmiss 3930 Frequency of receiving... Salaries/wages from government 175 3825 -9 Missing Data 1 1 Daily 6 2 Weekly 1 3 Twice amonth 0 4 Monthly 162 5 More than monthly 5 Sysmiss 3825 Frequency of receiving... Self-employed in own business 725 3275 -9 Missing Data 2 1 Daily 248 2 Weekly 109 3 Twice amonth 38 4 Monthly 139 5 More than monthly 189 Sysmiss 3275 Frequency of receiving... Money from farming - sale of crops/livestock/poultry 1592 2408 -9 Missing Data 4 1 Daily 22 2 Weekly 75 3 Twice amonth 96 4 Monthly 74 5 More than monthly 1321 Sysmiss 2408 Frequency of receiving... Money from fishing/fish farming 174 3826 -9 Missing Data 1 1 Daily 28 2 Weekly 40 3 Twice amonth 10 4 Monthly 16 5 More than monthly 79 Sysmiss 3826 Frequency of receiving... Rental income 48 3952 -9 Missing Data 1 1 Daily 0 2 Weekly 1 3 Twice amonth 0 4 Monthly 41 5 More than monthly 5 Sysmiss 3952 Frequency of receiving... Private pension 8 3992 -9 Missing Data 1 1 Daily 0 2 Weekly 0 3 Twice amonth 0 4 Monthly 6 5 More than monthly 1 Sysmiss 3992 Frequency of receiving... State/Government pension 13 3987 -9 Missing Data 1 1 Daily 0 2 Weekly 0 3 Twice amonth 0 4 Monthly 11 5 More than monthly 1 Sysmiss 3987 Frequency of receiving... Social welfare money/grant from Government 2 3998 -9 Missing Data 1 1 Daily 0 2 Weekly 0 3 Twice amonth 0 4 Monthly 0 5 More than monthly 1 Sysmiss 3998 Frequency of receiving... Maintenance money 8 3992 -9 Missing Data 1 1 Daily 0 2 Weekly 0 3 Twice amonth 0 4 Monthly 5 5 More than monthly 2 Sysmiss 3992 Frequency of receiving... Interest from savings, investments, stocks, unit trus 2 3998 -9 Missing Data 1 1 Daily 1 2 Weekly 0 3 Twice amonth 0 4 Monthly 0 5 More than monthly 0 Sysmiss 3998 Frequency of receiving... Interest from savings, investments, stocks, unit trusts,etc. Frequency of receiving... Money from business investments in the country 23 3977 -9 Missing Data 1 1 Daily 12 2 Weekly 1 3 Twice amonth 0 4 Monthly 5 5 More than monthly 4 Sysmiss 3977 Frequency of receiving... Money from business investments outside the country 2 3998 -9 Missing Data 1 1 Daily 0 2 Weekly 0 3 Twice amonth 1 4 Monthly 0 5 More than monthly 0 Sysmiss 3998 Frequency of receiving... Money from family in the country 176 3824 -9 Missing Data 1 1 Daily 0 2 Weekly 3 3 Twice amonth 4 4 Monthly 28 5 More than monthly 140 Sysmiss 3824 Frequency of receiving... Money from family outside the country 14 3986 -9 Missing Data 1 1 Daily 0 2 Weekly 0 3 Twice amonth 1 4 Monthly 4 5 More than monthly 8 Sysmiss 3986 Frequency of receiving... Money from friend in the country 10 3990 -9 Missing Data 1 1 Daily 0 2 Weekly 0 3 Twice amonth 0 4 Monthly 2 5 More than monthly 7 Sysmiss 3990 Frequency of receiving... Money from friend outside the country 4 3996 -9 Missing Data 1 1 Daily 0 2 Weekly 0 3 Twice amonth 0 4 Monthly 0 5 More than monthly 3 Sysmiss 3996 Frequency of receiving... Get money from household member 485 3515 -9 Missing Data 2 1 Daily 15 2 Weekly 30 3 Twice amonth 20 4 Monthly 196 5 More than monthly 222 Sysmiss 3515 Frequency of receiving... Household member pays all my expenses 114 3886 -9 Missing Data 1 1 Daily 4 2 Weekly 7 3 Twice amonth 7 4 Monthly 51 5 More than monthly 44 Sysmiss 3886 Frequency of receiving... Borrow goods to sell for income and repaying lender a 7 3993 -9 Missing Data 1 1 Daily 2 2 Weekly 0 3 Twice amonth 0 4 Monthly 0 5 More than monthly 4 Sysmiss 3993 Frequency of receiving... Borrow goods to sell for income and repaying lender after selling (marketeering) Frequency of receiving... Exchanging goods and selling the exchanged goods 12 3988 -9 Missing Data 1 1 Daily 0 2 Weekly 1 3 Twice amonth 2 4 Monthly 1 5 More than monthly 7 Sysmiss 3988 Frequency of receiving... Piece work 330 3670 -9 Missing Data 2 1 Daily 17 2 Weekly 59 3 Twice amonth 36 4 Monthly 46 5 More than monthly 170 Sysmiss 3670 Frequency of receiving... Trading products collected from nature (such as wood, 83 3917 -9 Missing Data 1 1 Daily 10 2 Weekly 15 3 Twice amonth 8 4 Monthly 20 5 More than monthly 29 Sysmiss 3917 Frequency of receiving... Trading products collected from nature (such as wood, thatch, charcoal, honey, muti etc.) Frequency of receiving... Provide financial services to your community for prof 5 3995 -9 Missing Data 1 1 Daily 1 2 Weekly 0 3 Twice amonth 0 4 Monthly 1 5 More than monthly 2 Sysmiss 3995 Frequency of receiving... Provide financial services to your community for profit (money lender) Frequency of receiving... Other specify 58 3942 -9 Missing Data 1 1 Daily 5 2 Weekly 10 3 Twice amonth 2 4 Monthly 14 5 More than monthly 26 Sysmiss 3942 Frequency of receiving... Do not receive income 2 3998 -9 Missing Data 1 1 Daily 0 2 Weekly 1 3 Twice amonth 0 4 Monthly 0 5 More than monthly 0 Sysmiss 3998 S3Q9A.1: Events 3387 613 -9 Missing Data 3 1 Increase in household size (more dependents relying on household income) 614 2 Death of or loss of income from main income earner 449 3 Death of other family member not main income earner 623 4 Illness within your household or family that requires medical expenses 858 5 Separation or divorce 30 6 Disability - self or household member 13 7 Having to pay unforeseen school/education fees 75 8 Loss of job - self or household member 57 9 Fire or destruction of household property 11 10 Loss of your home 6 11 Loss of your savings 5 12 Drought, poor rainfall or loss of access to water for farming 61 13 Flooding 12 14 Harvest failure or losses of crop harvest 95 15 Death or illness of livestock 8 16 Loss of your land or access to land you use 1 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 24 18 Competition - everyone is selling - difficult to sell own goods/products 7 19 FRA not able to buy all maize 3 20 Lack/shortage of subsidised fertiliser 21 21 Loss/failure of your business 63 22 Rise in transport costs 8 23 Rise in electricity/water prices 1 24 Rent increases 14 25 Rise in prices of goods such as groceries etc. 77 26 Rise in interest rates 1 27 Other specify 40 28 Can't think of any/nothing 207 Sysmiss 613 S3Q9A.2: Events 1948 2052 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 2 2 Death of or loss of income from main income earner 161 3 Death of other family member not main income earner 209 4 Illness within your household or family that requires medical expenses 747 5 Separation or divorce 44 6 Disability - self or household member 23 7 Having to pay unforeseen school/education fees 101 8 Loss of job - self or household member 53 9 Fire or destruction of household property 12 10 Loss of your home 9 11 Loss of your savings 8 12 Drought, poor rainfall or loss of access to water for farming 61 13 Flooding 22 14 Harvest failure or losses of crop harvest 151 15 Death or illness of livestock 12 16 Loss of your land or access to land you use 6 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 48 18 Competition - everyone is selling - difficult to sell own goods/products 21 19 FRA not able to buy all maize 1 20 Lack/shortage of subsidised fertiliser 32 21 Loss/failure of your business 63 22 Rise in transport costs 9 23 Rise in electricity/water prices 5 24 Rent increases 22 25 Rise in prices of goods such as groceries etc. 91 26 Rise in interest rates 0 27 Other specify 35 28 Can't think of any/nothing 0 Sysmiss 2052 S3Q9A.3: Events 792 3208 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 1 3 Death of other family member not main income earner 83 4 Illness within your household or family that requires medical expenses 189 5 Separation or divorce 32 6 Disability - self or household member 12 7 Having to pay unforeseen school/education fees 34 8 Loss of job - self or household member 41 9 Fire or destruction of household property 17 10 Loss of your home 5 11 Loss of your savings 8 12 Drought, poor rainfall or loss of access to water for farming 44 13 Flooding 20 14 Harvest failure or losses of crop harvest 79 15 Death or illness of livestock 20 16 Loss of your land or access to land you use 3 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 41 18 Competition - everyone is selling - difficult to sell own goods/products 10 19 FRA not able to buy all maize 11 20 Lack/shortage of subsidised fertiliser 18 21 Loss/failure of your business 27 22 Rise in transport costs 8 23 Rise in electricity/water prices 7 24 Rent increases 14 25 Rise in prices of goods such as groceries etc. 50 26 Rise in interest rates 1 27 Other specify 15 28 Can't think of any/nothing 2 Sysmiss 3208 S3Q9A.4: Events 284 3716 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 54 5 Separation or divorce 9 6 Disability - self or household member 8 7 Having to pay unforeseen school/education fees 5 8 Loss of job - self or household member 7 9 Fire or destruction of household property 12 10 Loss of your home 4 11 Loss of your savings 2 12 Drought, poor rainfall or loss of access to water for farming 8 13 Flooding 14 14 Harvest failure or losses of crop harvest 35 15 Death or illness of livestock 19 16 Loss of your land or access to land you use 1 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 22 18 Competition - everyone is selling - difficult to sell own goods/products 6 19 FRA not able to buy all maize 3 20 Lack/shortage of subsidised fertiliser 15 21 Loss/failure of your business 10 22 Rise in transport costs 4 23 Rise in electricity/water prices 3 24 Rent increases 14 25 Rise in prices of goods such as groceries etc. 22 26 Rise in interest rates 1 27 Other specify 6 28 Can't think of any/nothing 0 Sysmiss 3716 S3Q9A.5: Events 124 3876 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 20 6 Disability - self or household member 7 7 Having to pay unforeseen school/education fees 2 8 Loss of job - self or household member 4 9 Fire or destruction of household property 8 10 Loss of your home 1 11 Loss of your savings 1 12 Drought, poor rainfall or loss of access to water for farming 8 13 Flooding 5 14 Harvest failure or losses of crop harvest 13 15 Death or illness of livestock 5 16 Loss of your land or access to land you use 1 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 5 18 Competition - everyone is selling - difficult to sell own goods/products 1 19 FRA not able to buy all maize 2 20 Lack/shortage of subsidised fertiliser 5 21 Loss/failure of your business 6 22 Rise in transport costs 9 23 Rise in electricity/water prices 0 24 Rent increases 4 25 Rise in prices of goods such as groceries etc. 15 26 Rise in interest rates 1 27 Other specify 1 28 Can't think of any/nothing 0 Sysmiss 3876 S3Q9A.6: Events 57 3943 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 13 7 Having to pay unforeseen school/education fees 3 8 Loss of job - self or household member 4 9 Fire or destruction of household property 2 10 Loss of your home 2 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 3 13 Flooding 5 14 Harvest failure or losses of crop harvest 2 15 Death or illness of livestock 3 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 1 18 Competition - everyone is selling - difficult to sell own goods/products 1 19 FRA not able to buy all maize 3 20 Lack/shortage of subsidised fertiliser 1 21 Loss/failure of your business 2 22 Rise in transport costs 3 23 Rise in electricity/water prices 0 24 Rent increases 1 25 Rise in prices of goods such as groceries etc. 6 26 Rise in interest rates 1 27 Other specify 1 28 Can't think of any/nothing 0 Sysmiss 3943 S3Q9A.7: Events 29 3971 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 10 8 Loss of job - self or household member 1 9 Fire or destruction of household property 4 10 Loss of your home 0 11 Loss of your savings 1 12 Drought, poor rainfall or loss of access to water for farming 1 13 Flooding 3 14 Harvest failure or losses of crop harvest 2 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 1 20 Lack/shortage of subsidised fertiliser 1 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 1 24 Rent increases 3 25 Rise in prices of goods such as groceries etc. 1 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3971 S3Q9A.8: Events 22 3978 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 10 9 Fire or destruction of household property 1 10 Loss of your home 2 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 1 14 Harvest failure or losses of crop harvest 3 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 2 22 Rise in transport costs 0 23 Rise in electricity/water prices 1 24 Rent increases 1 25 Rise in prices of goods such as groceries etc. 1 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3978 S3Q9A.9: Events 16 3984 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 10 10 Loss of your home 1 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 1 13 Flooding 0 14 Harvest failure or losses of crop harvest 1 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 1 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 2 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3984 S3Q9A.10: Events 13 3987 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 9 11 Loss of your savings 1 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 1 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 1 23 Rise in electricity/water prices 1 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3987 S3Q9A.11: Events 13 3987 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 8 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 1 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 2 23 Rise in electricity/water prices 1 24 Rent increases 1 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3987 S3Q9A.12: Events 13 3987 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 8 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 1 22 Rise in transport costs 0 23 Rise in electricity/water prices 1 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 3 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3987 S3Q9A.13: Events 9 3991 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 8 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 1 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3991 S3Q9A.14: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 8 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.15: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 8 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.16: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 8 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.17: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 8 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.18: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 8 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.19: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 8 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.20: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 8 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.21: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 8 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.22: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 8 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.23: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 8 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.24: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 8 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.25: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 8 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.26: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 8 27 Other specify 0 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.27: Events 8 3992 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 8 28 Can't think of any/nothing 0 Sysmiss 3992 S3Q9A.28: Events 6 3994 -9 Missing Data 0 1 Increase in household size (more dependents relying on household income) 0 2 Death of or loss of income from main income earner 0 3 Death of other family member not main income earner 0 4 Illness within your household or family that requires medical expenses 0 5 Separation or divorce 0 6 Disability - self or household member 0 7 Having to pay unforeseen school/education fees 0 8 Loss of job - self or household member 0 9 Fire or destruction of household property 0 10 Loss of your home 0 11 Loss of your savings 0 12 Drought, poor rainfall or loss of access to water for farming 0 13 Flooding 0 14 Harvest failure or losses of crop harvest 0 15 Death or illness of livestock 0 16 Loss of your land or access to land you use 0 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 0 18 Competition - everyone is selling - difficult to sell own goods/products 0 19 FRA not able to buy all maize 0 20 Lack/shortage of subsidised fertiliser 0 21 Loss/failure of your business 0 22 Rise in transport costs 0 23 Rise in electricity/water prices 0 24 Rent increases 0 25 Rise in prices of goods such as groceries etc. 0 26 Rise in interest rates 0 27 Other specify 0 28 Can't think of any/nothing 6 Sysmiss 3994 Has any of these happened......? Increase in household size (more dependents rel 3170 830 -9 Missing Data 16 1 Yes 1789 2 No 1364 7 1 Sysmiss 830 Has any of these happened......? Increase in household size (more dependents relying on household income) Has any of these happened......? Death of or loss of income from main income ear 1945 2055 -9 Missing Data 5 1 Yes 1136 2 No 804 Sysmiss 2055 Has any of these happened......? Death of or loss of income from main income earner Has any of these happened......? Death of other family member not main income ea 788 3212 -9 Missing Data 4 1 Yes 479 2 No 304 4 1 Sysmiss 3212 Has any of these happened......? Death of other family member not main income earner Has any of these happened......? Illness within your household or family that re 283 3717 -9 Missing Data 1 1 Yes 170 2 No 112 Sysmiss 3717 Has any of these happened......? Illness within your household or family that requires medical expenses Has any of these happened......? Separation or divorce 123 3877 -9 Missing Data 0 1 Yes 56 2 No 67 Sysmiss 3877 Has any of these happened......? Disability - self or household member 56 3944 -9 Missing Data 1 1 Yes 25 2 No 30 Sysmiss 3944 Has any of these happened......? Having to pay unforeseen school/education fees 28 3972 -9 Missing Data 0 1 Yes 9 2 No 19 Sysmiss 3972 Has any of these happened......? Loss of job - self or household member 21 3979 -9 Missing Data 0 1 Yes 3 2 No 18 Sysmiss 3979 Has any of these happened......? Fire or destruction of household property 15 3985 -9 Missing Data 0 1 Yes 4 2 No 11 Sysmiss 3985 Has any of these happened......? Loss of your home 12 3988 -9 Missing Data 0 1 Yes 2 2 No 10 Sysmiss 3988 Has any of these happened......? Loss of your savings 12 3988 -9 Missing Data 0 1 Yes 5 2 No 7 Sysmiss 3988 Has any of these happened......? Drought, poor rainfall or loss of access to wat 12 3988 -9 Missing Data 0 1 Yes 4 2 No 8 Sysmiss 3988 Has any of these happened......? Drought, poor rainfall or loss of access to water for farming Has any of these happened......? Flooding 7 3993 -9 Missing Data 0 1 Yes 1 2 No 6 Sysmiss 3993 Has any of these happened......? Harvest failure or losses of crop harvest 7 3993 -9 Missing Data 0 1 Yes 1 2 No 6 Sysmiss 3993 Has any of these happened......? Death or illness of livestock 7 3993 -9 Missing Data 0 1 Yes 0 2 No 7 Sysmiss 3993 Has any of these happened......? Loss of your land or access to land you use 7 3993 -9 Missing Data 0 1 Yes 0 2 No 7 Sysmiss 3993 Has any of these happened......? Low selling prices - e.g. maize, tobacco floor 7 3993 -9 Missing Data 0 1 Yes 1 2 No 6 Sysmiss 3993 Has any of these happened......? Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay Has any of these happened......? Competition - everyone is selling - difficult t 7 3993 -9 Missing Data 0 1 Yes 0 2 No 7 Sysmiss 3993 Has any of these happened......? Competition - everyone is selling - difficult to sell own goods/products Has any of these happened......? FRA not able to buy all maize 7 3993 -9 Missing Data 0 1 Yes 0 2 No 7 Sysmiss 3993 Has any of these happened......? Lack/shortage of subsidised fertiliser 7 3993 -9 Missing Data 0 1 Yes 1 2 No 6 Sysmiss 3993 Has any of these happened......? Loss/failure of your business 7 3993 -9 Missing Data 0 1 Yes 0 2 No 7 Sysmiss 3993 Has any of these happened......? Rise in transport costs 8 3992 -9 Missing Data 0 1 Yes 4 2 No 4 Sysmiss 3992 Has any of these happened......? Rise in electricity/water prices 8 3992 -9 Missing Data 0 1 Yes 1 2 No 7 Sysmiss 3992 Has any of these happened......? Rent increases 7 3993 -9 Missing Data 0 1 Yes 1 2 No 6 Sysmiss 3993 Has any of these happened......? Rise in prices of goods such as groceries etc. 8 3992 -9 Missing Data 0 1 Yes 4 2 No 4 Sysmiss 3992 Has any of these happened......? Rise in interest rates 7 3993 -9 Missing Data 0 1 Yes 0 2 No 7 Sysmiss 3993 Has any of these happened......? Other specify 7 3993 -9 Missing Data 0 1 Yes 0 2 No 7 Sysmiss 3993 Has any of these happened......? Cant think of any/nothing 2 3998 -9 Missing Data 0 1 Yes 0 2 No 2 Sysmiss 3998 What do you do.....(Turn to) when this happens... Increase in household size (mo 3128 872 -9 Missing Data 47 1 Family and friends for help 1684 2 Insurance 28 3 Community to help 141 4 Borrow-Family/friends 183 5 Savings clubs 8 6 Employer 79 7 Money lender 25 8 Bank 17 9 Other fin institution 15 10 Apply for government help 54 11 Go to councillor 8 12 Use savings 197 13 Sell something 85 14 77 15 Nothing 382 16 Others 61 17 Don't know 37 Sysmiss 872 What do you do.....(Turn to) when this happens... Increase in household size (more dependents relying on household income) What do you do.....(Turn to) when this happens... Death of or loss of income fro 1911 2089 -9 Missing Data 24 1 Family and friends for help 930 2 Insurance 25 3 Community to help 81 4 Borrow-Family/friends 133 5 Savings clubs 3 6 Employer 49 7 Money lender 21 8 Bank 11 9 Other fin institution 9 10 Apply for government help 54 11 Go to councillor 4 12 Use savings 117 13 Sell something 44 14 56 15 Nothing 281 16 Others 38 17 Don't know 31 Sysmiss 2089 What do you do.....(Turn to) when this happens... Death of or loss of income from main income earner What do you do.....(Turn to) when this happens... Death of other family member n 762 3238 -9 Missing Data 16 1 Family and friends for help 321 2 Insurance 6 3 Community to help 28 4 Borrow-Family/friends 62 5 Savings clubs 1 6 Employer 17 7 Money lender 12 8 Bank 3 9 Other fin institution 4 10 Apply for government help 38 11 Go to councillor 8 12 Use savings 42 13 Sell something 18 14 28 15 Nothing 133 16 Others 16 17 Don't know 9 Sysmiss 3238 What do you do.....(Turn to) when this happens... Death of other family member not main income earner What do you do.....(Turn to) when this happens... Illness within your household 272 3728 -9 Missing Data 4 1 Family and friends for help 95 2 Insurance 2 3 Community to help 12 4 Borrow-Family/friends 22 5 Savings clubs 1 6 Employer 5 7 Money lender 4 8 Bank 0 9 Other fin institution 1 10 Apply for government help 24 11 Go to councillor 6 12 Use savings 14 13 Sell something 1 14 11 15 Nothing 64 16 Others 4 17 Don't know 2 Sysmiss 3728 What do you do.....(Turn to) when this happens... Illness within your household or family that requires medical expenses What do you do.....(Turn to) when this happens... Separation or divorce 111 3889 -9 Missing Data 3 1 Family and friends for help 32 2 Insurance 0 3 Community to help 5 4 Borrow-Family/friends 3 5 Savings clubs 0 6 Employer 1 7 Money lender 1 8 Bank 0 9 Other fin institution 0 10 Apply for government help 17 11 Go to councillor 3 12 Use savings 6 13 Sell something 1 14 3 15 Nothing 33 16 Others 2 17 Don't know 1 Sysmiss 3889 What do you do.....(Turn to) when this happens... Disability - self or household 49 3951 -9 Missing Data 0 1 Family and friends for help 17 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 2 5 Savings clubs 0 6 Employer 0 7 Money lender 2 8 Bank 0 9 Other fin institution 0 10 Apply for government help 4 11 Go to councillor 2 12 Use savings 3 13 Sell something 1 14 2 15 Nothing 16 16 Others 0 17 Don't know 0 Sysmiss 3951 What do you do.....(Turn to) when this happens... Disability - self or household member What do you do.....(Turn to) when this happens... Having to pay unforeseen schoo 22 3978 -9 Missing Data 0 1 Family and friends for help 8 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 1 5 Savings clubs 1 6 Employer 1 7 Money lender 1 8 Bank 0 9 Other fin institution 0 10 Apply for government help 3 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 1 15 Nothing 6 16 Others 0 17 Don't know 0 Sysmiss 3978 What do you do.....(Turn to) when this happens... Having to pay unforeseen school/education fees What do you do.....(Turn to) when this happens... Loss of job - self or househol 14 3986 -9 Missing Data 1 1 Family and friends for help 3 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 1 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 1 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 1 15 Nothing 6 16 Others 0 17 Don't know 1 Sysmiss 3986 What do you do.....(Turn to) when this happens... Loss of job - self or household member What do you do.....(Turn to) when this happens... Fire or destruction of househo 8 3992 -9 Missing Data 0 1 Family and friends for help 2 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 1 13 Sell something 0 14 1 15 Nothing 4 16 Others 0 17 Don't know 0 Sysmiss 3992 What do you do.....(Turn to) when this happens... Fire or destruction of household property What do you do.....(Turn to) when this happens... Loss of your home 7 3993 -9 Missing Data 0 1 Family and friends for help 2 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 1 13 Sell something 0 14 0 15 Nothing 4 16 Others 0 17 Don't know 0 Sysmiss 3993 What do you do.....(Turn to) when this happens... Loss of your savings 10 3990 -9 Missing Data 0 1 Family and friends for help 1 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 1 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 1 13 Sell something 0 14 1 15 Nothing 6 16 Others 0 17 Don't know 0 Sysmiss 3990 What do you do.....(Turn to) when this happens... Drought, poor rainfall or loss 9 3991 -9 Missing Data 0 1 Family and friends for help 1 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 1 13 Sell something 0 14 1 15 Nothing 6 16 Others 0 17 Don't know 0 Sysmiss 3991 What do you do.....(Turn to) when this happens... Drought, poor rainfall or loss of access to water for farming What do you do.....(Turn to) when this happens... Flooding 6 3994 -9 Missing Data 0 1 Family and friends for help 1 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 1 13 Sell something 0 14 0 15 Nothing 4 16 Others 0 17 Don't know 0 Sysmiss 3994 What do you do.....(Turn to) when this happens... Harvest failure or losses of c 6 3994 -9 Missing Data 0 1 Family and friends for help 2 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 4 16 Others 0 17 Don't know 0 Sysmiss 3994 What do you do.....(Turn to) when this happens... Harvest failure or losses of crop harvest What do you do.....(Turn to) when this happens... Death or illness of livestock 5 3995 -9 Missing Data 0 1 Family and friends for help 1 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 4 16 Others 0 17 Don't know 0 Sysmiss 3995 What do you do.....(Turn to) when this happens... Loss of your land or access to 5 3995 -9 Missing Data 0 1 Family and friends for help 1 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 3 16 Others 0 17 Don't know 1 Sysmiss 3995 What do you do.....(Turn to) when this happens... Loss of your land or access to land you use What do you do.....(Turn to) when this happens... Low selling prices - e.g. maiz 5 3995 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 1 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 4 16 Others 0 17 Don't know 0 Sysmiss 3995 What do you do.....(Turn to) when this happens... Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay What do you do.....(Turn to) when this happens... Competition - everyone is sell 5 3995 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 5 16 Others 0 17 Don't know 0 Sysmiss 3995 What do you do.....(Turn to) when this happens... Competition - everyone is selling - difficult to sell own goods/products What do you do.....(Turn to) when this happens... FRA not able to buy all maize 5 3995 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 1 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 3 16 Others 0 17 Don't know 1 Sysmiss 3995 What do you do.....(Turn to) when this happens... Lack/shortage of subsidised fe 5 3995 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 1 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 3 16 Others 0 17 Don't know 1 Sysmiss 3995 What do you do.....(Turn to) when this happens... Lack/shortage of subsidised fertiliser What do you do.....(Turn to) when this happens... Loss/failure of your business 5 3995 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 1 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 4 16 Others 0 17 Don't know 0 Sysmiss 3995 What do you do.....(Turn to) when this happens... Rise in transport costs 7 3993 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 1 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 1 15 Nothing 5 16 Others 0 17 Don't know 0 Sysmiss 3993 What do you do.....(Turn to) when this happens... Rise in electricity/water pric 6 3994 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 6 16 Others 0 17 Don't know 0 Sysmiss 3994 What do you do.....(Turn to) when this happens... Rise in electricity/water prices What do you do.....(Turn to) when this happens... Rent increases 6 3994 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 6 16 Others 0 17 Don't know 0 Sysmiss 3994 What do you do.....(Turn to) when this happens... Rise in prices of goods such a 7 3993 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 6 16 Others 0 17 Don't know 1 Sysmiss 3993 What do you do.....(Turn to) when this happens... Rise in prices of goods such as groceries etc. What do you do.....(Turn to) when this happens... Rise in interest rates 5 3995 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 4 16 Others 0 17 Don't know 1 Sysmiss 3995 What do you do.....(Turn to) when this happens... Other specify 5 3995 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 4 16 Others 0 17 Don't know 1 Sysmiss 3995 What do you do.....(Turn to) when this happens... Cant think of any/nothing 1 3999 -9 Missing Data 0 1 Family and friends for help 0 2 Insurance 0 3 Community to help 0 4 Borrow-Family/friends 0 5 Savings clubs 0 6 Employer 0 7 Money lender 0 8 Bank 0 9 Other fin institution 0 10 Apply for government help 0 11 Go to councillor 0 12 Use savings 0 13 Sell something 0 14 0 15 Nothing 1 16 Others 0 17 Don't know 0 Sysmiss 3999 How do you usually get to your nearest store? 3999 1 -9 Missing Data 0 1 Walk 3235 2 Own vehicle 36 3 Someone else's vehicle 24 4 Taxi 16 5 Local Minibus 61 6 Public bus / lift 178 7 Bicycle 369 8 Boat / Canoe 30 9 Cattle / cart 5 10 Other 13 11 Don't know 32 Sysmiss 1 How do you usually get to your nearest market? 3998 2 -9 Missing Data 0 1 Walk 2814 2 Own vehicle 41 3 Someone else's vehicle 37 4 Taxi 21 5 Local Minibus 64 6 Public bus / lift 309 7 Bicycle 516 8 Boat / Canoe 50 9 Cattle / cart 17 10 Other 24 11 Don't know 105 Sysmiss 2 How do you usually get to your nearest office? 3991 9 -9 Missing Data 0 1 Walk 1441 2 Own vehicle 48 3 Someone else's vehicle 55 4 Taxi 87 5 Local Minibus 430 6 Public bus / lift 916 7 Bicycle 516 8 Boat / Canoe 59 9 Cattle / cart 11 10 Other 33 11 Don't know 395 Sysmiss 9 3966 34 -9 Missing Data 0 1 Under 10 minutes 1129 2 About 10 minutes 497 3 Between 10 and 20 minutes 571 4 About 20 minutes 130 5 Between 20 and 30 minutes 292 6 About 30 minutes 173 7 Between 30 minutes and 60 minutes 288 8 About an hour 234 9 More than an hour 527 10 Up to a day 42 11 More than a day 26 12 Don't know 57 Sysmiss 34 3963 37 -9 Missing Data 0 1 Under 10 minutes 821 2 About 10 minutes 432 3 Between 10 and 20 minutes 517 4 About 20 minutes 130 5 Between 20 and 30 minutes 284 6 About 30 minutes 181 7 Between 30 minutes and 60 minutes 320 8 About an hour 280 9 More than an hour 742 10 Up to a day 67 11 More than a day 47 12 Don't know 142 Sysmiss 37 3959 41 -9 Missing Data 0 1 Under 10 minutes 240 2 About 10 minutes 206 3 Between 10 and 20 minutes 350 4 About 20 minutes 154 5 Between 20 and 30 minutes 331 6 About 30 minutes 194 7 Between 30 minutes and 60 minutes 437 8 About an hour 382 9 More than an hour 1072 10 Up to a day 97 11 More than a day 67 12 Don't know 429 Sysmiss 41 Which of these types of institutions.....closest...? 3995 5 -9 Missing Data 0 1 Bank 2535 2 Micro finance institution 78 3 building society 36 4 Insuarance company 20 5 Does not know 1326 Sysmiss 5 How would you get to the nearest....institution? 2666 1334 -9 Missing Data 0 1 Walk 973 2 Own vehicle 49 3 Someone else's vehicle 51 4 Taxi 58 5 Local Minibus 296 6 Public bus / lift 867 7 Bicycle 328 8 Boat / Canoe 30 9 Cattle / cart 2 10 Other 10 11 Don't know 2 Sysmiss 1334 How long would it take you to get there? 2665 1335 -9 Missing Data 0 1 Under 10 minutes 255 2 About 10 minutes 191 3 Between 10 and 20 minutes 334 4 About 20 minutes 87 5 Between 20 and 30 minutes 237 6 About 30 minutes 120 7 Between 30 minutes and 60 minutes 322 8 About an hour 291 9 More than an hour 753 10 Up to a day 36 11 More than a day 22 12 Don't know 17 Sysmiss 1335 If you should use public transport....cost you? 2260 1740 -9 Missing Data 0 1 Up to K5000 593 2 K5001 to K10000 242 3 K10 001 to K11 000 97 4 K11 001 to K25 000 319 5 K25 001 to K50 000 382 6 K50 001 to K100 000 147 7 Over K100 000 29 8 Don't know 150 9 NA (Too Near) 301 Sysmiss 1740 S4Q2CA.1: Why do you not use public transport? 951 3049 -9 Missing Data 18 1 It is close enough to walk - don't need to use transport 637 2 It is too expensive 156 3 It is not available 97 4 It does not come on time 5 5 It does not come regularly 17 6 It is not safe 1 7 Other specify 17 8 Don't know 3 Sysmiss 3049 S4Q2CA.2: Why do you not use public transport? 60 3940 -9 Missing Data 0 1 It is close enough to walk - don't need to use transport 1 2 It is too expensive 18 3 It is not available 24 4 It does not come on time 6 5 It does not come regularly 7 6 It is not safe 0 7 Other specify 4 8 Don't know 0 Sysmiss 3940 Please tell me the name of bank you know or aware of? 4000 0 -9 Missing Data 4 1 Access Bank 18 2 African Banking Corporation (ABC) 6 3 Bank of China 14 4 Barclays Bank 1008 5 Cavmont Capital Bank 19 6 Citibank 0 7 EcoBank 3 8 Finance Bank 500 9 First Alliance Bank 8 10 Indo-Zambia Bank 45 11 Intermarket Banking Corporation 0 12 Investrust Bank 12 13 Stanbic Bank 46 14 Standard Chartered Bank 176 15 902 16 Finance Building Society 5 17 Pan African Building Society 0 18 Zambia National Building Society 12 19 First National Bank (FNB) 2 20 National Savings and Credit Bank (NatSave) 129 21 Other mentions: specify 57 22 Don't know of any 1034 Which factor.... institution that you think would be the bes 4000 0 -9 Missing Data 13 1 Location - close to where I live 1449 2 Location - close to where I work 48 3 Convenient operating hours 37 4 Least amount of queueing 32 5 Their requirements in terms of documents that I need to provide 55 6 Low minimum balance amount/book amount 238 7 Lowest bank charges or service fees 133 8 Highest interest on savings 312 9 Lowest interest on loans 36 10 Whether they offer the products/services that I need 48 11 Quick access to a loan 70 12 Easy access to money 319 13 Attitude of staff 39 14 Good service 411 15 Image of the institution 55 16 Other 705 What is the word used to describe.....increase in price? 4000 0 -9 Missing Data 5 1 inflation 684 2 Cost of living 604 3 Interest 16 4 Consumer Price index/CPI 14 5 Tax 31 6 Other 75 7 Do not know 2571 You check your salary slips e.g to ensure that payment.....a 4000 0 -9 Missing Data 4 1 Yes 424 2 No 265 3 Not applicable 3307 You keep track of your expenses every month 3999 1 -9 Missing Data 4 1 Yes 1017 2 No 1799 3 Not applicable 1179 Sysmiss 1 You have a monthy or weekly budget 3999 1 -9 Missing Data 5 1 Yes 1232 2 No 1663 3 Not applicable 1099 Sysmiss 1 You ensure you spend within your budget 3999 1 -9 Missing Data 4 1 Yes 1542 2 No 1378 3 Not applicable 1075 Sysmiss 1 You review your budget if you expenses or income changes 3999 1 -9 Missing Data 3 1 Yes 1170 2 No 1653 3 Not applicable 1173 Sysmiss 1 3995 5 -9 Missing Data 2 1 Heard and understand 3159 2 Heard but don't understand 708 3 Never heard 126 Sysmiss 5 4000 0 -9 Missing Data 3 1 Heard and understand 2667 2 Heard but don't understand 730 3 Never heard 600 4000 0 -9 Missing Data 13 1 Heard and understand 1154 2 Heard but don't understand 743 3 Never heard 2090 4000 0 -9 Missing Data 3 1 Heard and understand 1204 2 Heard but don't understand 918 3 Never heard 1875 4000 0 -9 Missing Data 5 1 Heard and understand 705 2 Heard but don't understand 976 3 Never heard 2314 4000 0 -9 Missing Data 11 1 Heard and understand 309 2 Heard but don't understand 744 3 Never heard 2936 4000 0 -9 Missing Data 16 1 Heard and understand 376 2 Heard but don't understand 743 3 Never heard 2865 4000 0 -9 Missing Data 6 1 Heard and understand 922 2 Heard but don't understand 646 3 Never heard 2426 4000 0 -9 Missing Data 11 1 Heard and understand 370 2 Heard but don't understand 545 3 Never heard 3074 4000 0 -9 Missing Data 5 1 Heard and understand 1128 2 Heard but don't understand 884 3 Never heard 1983 4000 0 -9 Missing Data 5 1 Heard and understand 1721 2 Heard but don't understand 652 3 Never heard 1622 4000 0 -9 Missing Data 8 1 Heard and understand 942 2 Heard but don't understand 769 3 Never heard 2281 4000 0 -9 Missing Data 8 1 Heard and understand 587 2 Heard but don't understand 718 3 Never heard 2687 4000 0 -9 Missing Data 9 1 Heard and understand 785 2 Heard but don't understand 583 3 Never heard 2623 4000 0 -9 Missing Data 3 1 Heard and understand 2910 2 Heard but don't understand 301 3 Never heard 786 4000 0 -9 Missing Data 6 1 Heard and understand 562 2 Heard but don't understand 684 3 Never heard 2748 4000 0 -9 Missing Data 8 1 Heard and understand 636 2 Heard but don't understand 602 3 Never heard 2754 4000 0 -9 Missing Data 11 1 Heard and understand 547 2 Heard but don't understand 609 3 Never heard 2833 4000 0 -9 Missing Data 6 1 Heard and understand 1520 2 Heard but don't understand 595 3 Never heard 1879 Never/heard but dont undestand/head and understand... Premium 4000 0 -9 Missing Data 9 1 Heard and understand 403 2 Heard but don't understand 592 3 Never heard 2996 S5Q2A.1: Please tell me other names of banks you know or aware of? 2483 1517 -9 Missing Data 3 1 Access Bank 45 2 African Banking Corporation (ABC) 17 3 Bank of China 9 4 Barclays Bank 827 5 Cavmont Capital Bank 70 6 Citibank 17 7 EcoBank 25 8 Finance Bank 506 9 First Alliance Bank 7 10 Indo-Zambia Bank 104 11 Intermarket Banking Corporation 8 12 Investrust Bank 20 13 Stanbic Bank 79 14 Standard Chartered Bank 168 15 434 16 Finance Building Society 3 17 Pan African Building Society 2 18 Zambia National Building Society 13 19 First National Bank (FNB) 0 20 National Savings and Credit Bank (NatSave) 94 21 Other mentions: specify 31 22 1 Sysmiss 1517 S5Q2A.2: Please tell me other names of banks you know or aware of? 1569 2431 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 7 3 Bank of China 1 4 Barclays Bank 29 5 Cavmont Capital Bank 50 6 Citibank 23 7 EcoBank 16 8 Finance Bank 311 9 First Alliance Bank 14 10 Indo-Zambia Bank 172 11 Intermarket Banking Corporation 3 12 Investrust Bank 42 13 Stanbic Bank 127 14 Standard Chartered Bank 209 15 384 16 Finance Building Society 9 17 Pan African Building Society 4 18 Zambia National Building Society 29 19 First National Bank (FNB) 5 20 National Savings and Credit Bank (NatSave) 113 21 Other mentions: specify 21 Sysmiss 2431 S5Q2A.3: Please tell me other names of banks you know or aware of? 956 3044 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 5 4 Barclays Bank 2 5 Cavmont Capital Bank 8 6 Citibank 5 7 EcoBank 9 8 Finance Bank 44 9 First Alliance Bank 12 10 Indo-Zambia Bank 113 11 Intermarket Banking Corporation 5 12 Investrust Bank 50 13 Stanbic Bank 79 14 Standard Chartered Bank 168 15 232 16 Finance Building Society 6 17 Pan African Building Society 3 18 Zambia National Building Society 52 19 First National Bank (FNB) 4 20 National Savings and Credit Bank (NatSave) 136 21 Other mentions: specify 23 Sysmiss 3044 S5Q2A.4: Please tell me other names of banks you know or aware of? 542 3458 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 4 5 Cavmont Capital Bank 1 6 Citibank 4 7 EcoBank 4 8 Finance Bank 9 9 First Alliance Bank 4 10 Indo-Zambia Bank 21 11 Intermarket Banking Corporation 3 12 Investrust Bank 43 13 Stanbic Bank 71 14 Standard Chartered Bank 75 15 134 16 Finance Building Society 6 17 Pan African Building Society 4 18 Zambia National Building Society 41 19 First National Bank (FNB) 3 20 National Savings and Credit Bank (NatSave) 100 21 Other mentions: specify 15 Sysmiss 3458 S5Q2A.5: Please tell me other names of banks you know or aware of? 295 3705 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 3 6 Citibank 1 7 EcoBank 1 8 Finance Bank 5 9 First Alliance Bank 0 10 Indo-Zambia Bank 12 11 Intermarket Banking Corporation 2 12 Investrust Bank 8 13 Stanbic Bank 32 14 Standard Chartered Bank 52 15 66 16 Finance Building Society 7 17 Pan African Building Society 0 18 Zambia National Building Society 26 19 First National Bank (FNB) 5 20 National Savings and Credit Bank (NatSave) 66 21 Other mentions: specify 9 Sysmiss 3705 S5Q2A.6: Please tell me other names of banks you know or aware of? 172 3828 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 3 7 EcoBank 1 8 Finance Bank 1 9 First Alliance Bank 2 10 Indo-Zambia Bank 2 11 Intermarket Banking Corporation 1 12 Investrust Bank 6 13 Stanbic Bank 9 14 Standard Chartered Bank 28 15 35 16 Finance Building Society 11 17 Pan African Building Society 2 18 Zambia National Building Society 18 19 First National Bank (FNB) 8 20 National Savings and Credit Bank (NatSave) 41 21 Other mentions: specify 4 Sysmiss 3828 S5Q2A.7: Please tell me other names of banks you know or aware of? 91 3909 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 3 8 Finance Bank 1 9 First Alliance Bank 1 10 Indo-Zambia Bank 1 11 Intermarket Banking Corporation 0 12 Investrust Bank 4 13 Stanbic Bank 3 14 Standard Chartered Bank 9 15 21 16 Finance Building Society 2 17 Pan African Building Society 0 18 Zambia National Building Society 15 19 First National Bank (FNB) 3 20 National Savings and Credit Bank (NatSave) 27 21 Other mentions: specify 1 Sysmiss 3909 S5Q2A.8: Please tell me other names of banks you know or aware of? 53 3947 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 2 9 First Alliance Bank 1 10 Indo-Zambia Bank 2 11 Intermarket Banking Corporation 0 12 Investrust Bank 1 13 Stanbic Bank 3 14 Standard Chartered Bank 4 15 5 16 Finance Building Society 5 17 Pan African Building Society 0 18 Zambia National Building Society 7 19 First National Bank (FNB) 1 20 National Savings and Credit Bank (NatSave) 20 21 Other mentions: specify 2 Sysmiss 3947 S5Q2A.9: Please tell me other names of banks you know or aware of? 27 3973 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 2 10 Indo-Zambia Bank 1 11 Intermarket Banking Corporation 2 12 Investrust Bank 0 13 Stanbic Bank 1 14 Standard Chartered Bank 3 15 1 16 Finance Building Society 1 17 Pan African Building Society 1 18 Zambia National Building Society 7 19 First National Bank (FNB) 2 20 National Savings and Credit Bank (NatSave) 6 21 Other mentions: specify 0 Sysmiss 3973 S5Q2A.10: Please tell me other names of banks you know or aware of? 19 3981 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 2 11 Intermarket Banking Corporation 1 12 Investrust Bank 2 13 Stanbic Bank 0 14 Standard Chartered Bank 1 15 2 16 Finance Building Society 1 17 Pan African Building Society 0 18 Zambia National Building Society 2 19 First National Bank (FNB) 0 20 National Savings and Credit Bank (NatSave) 8 21 Other mentions: specify 0 Sysmiss 3981 S5Q2A.11: Please tell me other names of banks you know or aware of? 12 3988 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 2 12 Investrust Bank 1 13 Stanbic Bank 1 14 Standard Chartered Bank 1 15 1 16 Finance Building Society 2 17 Pan African Building Society 1 18 Zambia National Building Society 0 19 First National Bank (FNB) 0 20 National Savings and Credit Bank (NatSave) 2 21 Other mentions: specify 1 Sysmiss 3988 S5Q2A.12: Please tell me other names of banks you know or aware of? 8 3992 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 0 12 Investrust Bank 2 13 Stanbic Bank 1 14 Standard Chartered Bank 1 15 1 16 Finance Building Society 0 17 Pan African Building Society 0 18 Zambia National Building Society 3 19 First National Bank (FNB) 0 20 National Savings and Credit Bank (NatSave) 0 21 Other mentions: specify 0 Sysmiss 3992 S5Q2A.13: Please tell me other names of banks you know or aware of? 7 3993 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 0 12 Investrust Bank 0 13 Stanbic Bank 2 14 Standard Chartered Bank 1 15 1 16 Finance Building Society 1 17 Pan African Building Society 0 18 Zambia National Building Society 0 19 First National Bank (FNB) 1 20 National Savings and Credit Bank (NatSave) 0 21 Other mentions: specify 1 Sysmiss 3993 S5Q2A.14: Please tell me other names of banks you know or aware of? 6 3994 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 0 12 Investrust Bank 0 13 Stanbic Bank 0 14 Standard Chartered Bank 2 15 1 16 Finance Building Society 1 17 Pan African Building Society 0 18 Zambia National Building Society 0 19 First National Bank (FNB) 0 20 National Savings and Credit Bank (NatSave) 2 21 Other mentions: specify 0 Sysmiss 3994 S5Q2A.15: Please tell me other names of banks you know or aware of? 5 3995 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 0 12 Investrust Bank 0 13 Stanbic Bank 0 14 Standard Chartered Bank 0 15 2 16 Finance Building Society 1 17 Pan African Building Society 1 18 Zambia National Building Society 0 19 First National Bank (FNB) 0 20 National Savings and Credit Bank (NatSave) 0 21 Other mentions: specify 1 Sysmiss 3995 S5Q2A.16: Please tell me other names of banks you know or aware of? 4 3996 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 0 12 Investrust Bank 0 13 Stanbic Bank 0 14 Standard Chartered Bank 0 15 0 16 Finance Building Society 2 17 Pan African Building Society 1 18 Zambia National Building Society 1 19 First National Bank (FNB) 0 20 National Savings and Credit Bank (NatSave) 0 21 Other mentions: specify 0 Sysmiss 3996 S5Q2A.17: Please tell me other names of banks you know or aware of? 4 3996 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 0 12 Investrust Bank 0 13 Stanbic Bank 0 14 Standard Chartered Bank 0 15 0 16 Finance Building Society 0 17 Pan African Building Society 2 18 Zambia National Building Society 1 19 First National Bank (FNB) 1 20 National Savings and Credit Bank (NatSave) 0 21 Other mentions: specify 0 Sysmiss 3996 S5Q2A.18: Please tell me other names of banks you know or aware of? 4 3996 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 0 12 Investrust Bank 0 13 Stanbic Bank 0 14 Standard Chartered Bank 0 15 0 16 Finance Building Society 0 17 Pan African Building Society 0 18 Zambia National Building Society 2 19 First National Bank (FNB) 1 20 National Savings and Credit Bank (NatSave) 1 21 Other mentions: specify 0 Sysmiss 3996 S5Q2A.19: Please tell me other names of banks you know or aware of? 3 3997 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 0 12 Investrust Bank 0 13 Stanbic Bank 0 14 Standard Chartered Bank 0 15 0 16 Finance Building Society 0 17 Pan African Building Society 0 18 Zambia National Building Society 0 19 First National Bank (FNB) 2 20 National Savings and Credit Bank (NatSave) 1 21 Other mentions: specify 0 Sysmiss 3997 S5Q2A.20: Please tell me other names of banks you know or aware of? 3 3997 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 Indo-Zambia Bank 0 11 Intermarket Banking Corporation 0 12 Investrust Bank 0 13 Stanbic Bank 0 14 Standard Chartered Bank 0 15 0 16 Finance Building Society 0 17 Pan African Building Society 0 18 Zambia National Building Society 0 19 First National Bank (FNB) 0 20 National Savings and Credit Bank (NatSave) 2 21 Other mentions: specify 1 Sysmiss 3997 S5Q3A.1: Which other factors.... institution that you think would be 2563 1437 -9 Missing Data 2 1 Location - close to where I live 315 2 Location - close to where I work 90 3 Convenient operating hours 89 4 Least amount of queueing 66 5 Their requirements in terms of documents that I need to provide 58 6 Low minimum balance amount/book amount 238 7 Lowest bank charges or service fees 211 8 Highest interest on savings 261 9 Lowest interest on loans 113 10 Whether they offer the products/services that I need 66 11 Quick access to a loan 153 12 Easy access to money 395 13 Attitude of staff 100 14 Good service 345 15 Image of the institution 40 16 Other 21 Sysmiss 1437 S5Q3A.2: Which other factors.... institution that you think would be 1105 2895 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 21 3 Convenient operating hours 34 4 Least amount of queueing 23 5 Their requirements in terms of documents that I need to provide 20 6 Low minimum balance amount/book amount 53 7 Lowest bank charges or service fees 73 8 Highest interest on savings 109 9 Lowest interest on loans 63 10 Whether they offer the products/services that I need 32 11 Quick access to a loan 104 12 Easy access to money 212 13 Attitude of staff 53 14 Good service 258 15 Image of the institution 36 16 Other 14 Sysmiss 2895 S5Q3A.3: Which other factors.... institution that you think would be 383 3617 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 5 4 Least amount of queueing 9 5 Their requirements in terms of documents that I need to provide 1 6 Low minimum balance amount/book amount 7 7 Lowest bank charges or service fees 30 8 Highest interest on savings 24 9 Lowest interest on loans 25 10 Whether they offer the products/services that I need 8 11 Quick access to a loan 32 12 Easy access to money 66 13 Attitude of staff 36 14 Good service 103 15 Image of the institution 31 16 Other 6 Sysmiss 3617 S5Q3A.4: Which other factors.... institution that you think would be 146 3854 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 2 5 Their requirements in terms of documents that I need to provide 6 6 Low minimum balance amount/book amount 2 7 Lowest bank charges or service fees 1 8 Highest interest on savings 7 9 Lowest interest on loans 13 10 Whether they offer the products/services that I need 4 11 Quick access to a loan 15 12 Easy access to money 22 13 Attitude of staff 13 14 Good service 43 15 Image of the institution 17 16 Other 1 Sysmiss 3854 S5Q3A.5: Which other factors.... institution that you think would be 50 3950 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 1 6 Low minimum balance amount/book amount 2 7 Lowest bank charges or service fees 1 8 Highest interest on savings 0 9 Lowest interest on loans 1 10 Whether they offer the products/services that I need 7 11 Quick access to a loan 2 12 Easy access to money 12 13 Attitude of staff 6 14 Good service 11 15 Image of the institution 6 16 Other 1 Sysmiss 3950 S5Q3A.6: Which other factors.... institution that you think would be 25 3975 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 1 7 Lowest bank charges or service fees 2 8 Highest interest on savings 0 9 Lowest interest on loans 1 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 2 12 Easy access to money 4 13 Attitude of staff 2 14 Good service 10 15 Image of the institution 2 16 Other 1 Sysmiss 3975 S5Q3A.7: Which other factors.... institution that you think would be 11 3989 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 3 9 Lowest interest on loans 0 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 1 12 Easy access to money 2 13 Attitude of staff 2 14 Good service 1 15 Image of the institution 2 16 Other 0 Sysmiss 3989 S5Q3A.8: Which other factors.... institution that you think would be 7 3993 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 0 9 Lowest interest on loans 3 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 0 12 Easy access to money 1 13 Attitude of staff 2 14 Good service 1 15 Image of the institution 0 16 Other 0 Sysmiss 3993 S5Q3A.9: Which other factors.... institution that you think would be 7 3993 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 0 9 Lowest interest on loans 0 10 Whether they offer the products/services that I need 3 11 Quick access to a loan 0 12 Easy access to money 0 13 Attitude of staff 1 14 Good service 2 15 Image of the institution 1 16 Other 0 Sysmiss 3993 S5Q3A.10: Which other factors.... institution that you think would be 4 3996 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 0 9 Lowest interest on loans 0 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 3 12 Easy access to money 0 13 Attitude of staff 0 14 Good service 0 15 Image of the institution 1 16 Other 0 Sysmiss 3996 S5Q3A.11: Which other factors.... institution that you think would be 3 3997 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 0 9 Lowest interest on loans 0 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 0 12 Easy access to money 3 13 Attitude of staff 0 14 Good service 0 15 Image of the institution 0 16 Other 0 Sysmiss 3997 S5Q3A.12: Which other factors.... institution that you think would be 3 3997 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 0 9 Lowest interest on loans 0 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 0 12 Easy access to money 0 13 Attitude of staff 3 14 Good service 0 15 Image of the institution 0 16 Other 0 Sysmiss 3997 S5Q3A.13: Which other factors.... institution that you think would be 3 3997 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 0 9 Lowest interest on loans 0 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 0 12 Easy access to money 0 13 Attitude of staff 0 14 Good service 3 15 Image of the institution 0 16 Other 0 Sysmiss 3997 S5Q3A.14: Which other factors.... institution that you think would be 3 3997 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 0 9 Lowest interest on loans 0 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 0 12 Easy access to money 0 13 Attitude of staff 0 14 Good service 0 15 Image of the institution 3 16 Other 0 Sysmiss 3997 S5Q3A.15: Which other factors.... institution that you think would be 3 3997 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 0 9 Lowest interest on loans 0 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 0 12 Easy access to money 0 13 Attitude of staff 0 14 Good service 0 15 Image of the institution 0 16 Other 3 Sysmiss 3997 S5Q3A.16: Which other factors.... institution that you think would be 0 4000 -9 Missing Data 0 1 Location - close to where I live 0 2 Location - close to where I work 0 3 Convenient operating hours 0 4 Least amount of queueing 0 5 Their requirements in terms of documents that I need to provide 0 6 Low minimum balance amount/book amount 0 7 Lowest bank charges or service fees 0 8 Highest interest on savings 0 9 Lowest interest on loans 0 10 Whether they offer the products/services that I need 0 11 Quick access to a loan 0 12 Easy access to money 0 13 Attitude of staff 0 14 Good service 0 15 Image of the institution 0 16 Other 0 Sysmiss 4000 S5Q4.1: Who do you ask if you need financial advice? 3986 14 -9 Missing Data 0 1 A household member 1634 2 Family member or friend 1123 3 Employer 54 4 Financial institution like bank/microfinance institution or Savings and Credit Co-op (SACCO) 239 5 Financial advisor/consultant 77 6 Farmers association 6 7 Savings club (eg Chilimba, ROSCA, ASCA) members 14 8 Money lender in community 0 9 Other specify 49 10 Would not ask anyone for advice 491 11 Don't know 299 Sysmiss 14 S5Q4.2: Who do you ask if you need financial advice? 781 3219 -9 Missing Data 0 1 A household member 0 2 Family member or friend 513 3 Employer 31 4 Financial institution like bank/microfinance institution or Savings and Credit Co-op (SACCO) 130 5 Financial advisor/consultant 72 6 Farmers association 7 7 Savings club (eg Chilimba, ROSCA, ASCA) members 2 8 Money lender in community 2 9 Other specify 11 10 Would not ask anyone for advice 5 11 Don't know 8 Sysmiss 3219 S5Q4.3: Who do you ask if you need financial advice? 57 3943 -9 Missing Data 0 1 A household member 0 2 Family member or friend 0 3 Employer 6 4 Financial institution like bank/microfinance institution or Savings and Credit Co-op (SACCO) 22 5 Financial advisor/consultant 20 6 Farmers association 2 7 Savings club (eg Chilimba, ROSCA, ASCA) members 2 8 Money lender in community 2 9 Other specify 2 10 Would not ask anyone for advice 1 11 Don't know 0 Sysmiss 3943 S5Q4.4: Who do you ask if you need financial advice? 1 3999 -9 Missing Data 0 1 A household member 0 2 Family member or friend 0 3 Employer 0 4 Financial institution like bank/microfinance institution or Savings and Credit Co-op (SACCO) 1 5 Financial advisor/consultant 0 6 Farmers association 0 7 Savings club (eg Chilimba, ROSCA, ASCA) members 0 8 Money lender in community 0 9 Other specify 0 10 Would not ask anyone for advice 0 11 Don't know 0 Sysmiss 3999 S5Q6.1: What document do financial institutions require......their s 3989 11 -9 Missing Data 0 1 National registration card 2410 2 Driver's licence 3 3 Passport 1 4 Electricity/water bill 1 5 Telephone/Zamtel bill 0 6 Bank statement 6 7 Lease or rental agreement (eg vehicle, house) 14 8 Subscription (eg satellite TV) 0 9 Tax return 0 10 Proof of residential address 5 11 Payslip from employer 3 12 Introductory Letter from Employer 6 13 Other specify 12 14 Don't know 1528 Sysmiss 11 S5Q6.2: What document do financial institutions require......their s 1030 2970 -9 Missing Data 0 1 National registration card 3 2 Driver's licence 92 3 Passport 192 4 Electricity/water bill 77 5 Telephone/Zamtel bill 2 6 Bank statement 73 7 Lease or rental agreement (eg vehicle, house) 14 8 Subscription (eg satellite TV) 6 9 Tax return 2 10 Proof of residential address 219 11 Payslip from employer 116 12 Introductory Letter from Employer 133 13 Other specify 88 14 Don't know 13 Sysmiss 2970 S5Q6.3: What document do financial institutions require......their s 395 3605 -9 Missing Data 0 1 National registration card 0 2 Driver's licence 0 3 Passport 61 4 Electricity/water bill 17 5 Telephone/Zamtel bill 5 6 Bank statement 19 7 Lease or rental agreement (eg vehicle, house) 5 8 Subscription (eg satellite TV) 1 9 Tax return 0 10 Proof of residential address 56 11 Payslip from employer 74 12 Introductory Letter from Employer 129 13 Other specify 26 14 Don't know 2 Sysmiss 3605 S5Q6.4: What document do financial institutions require......their s 119 3881 -9 Missing Data 0 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 9 5 Telephone/Zamtel bill 2 6 Bank statement 5 7 Lease or rental agreement (eg vehicle, house) 0 8 Subscription (eg satellite TV) 0 9 Tax return 0 10 Proof of residential address 17 11 Payslip from employer 26 12 Introductory Letter from Employer 48 13 Other specify 12 14 Don't know 0 Sysmiss 3881 S5Q6.5: What document do financial institutions require......their s 27 3973 -9 Missing Data 0 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 0 5 Telephone/Zamtel bill 2 6 Bank statement 3 7 Lease or rental agreement (eg vehicle, house) 0 8 Subscription (eg satellite TV) 0 9 Tax return 0 10 Proof of residential address 3 11 Payslip from employer 3 12 Introductory Letter from Employer 16 13 Other specify 0 14 Don't know 0 Sysmiss 3973 S5Q6.6: What document do financial institutions require......their s 10 3990 -9 Missing Data 0 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 0 5 Telephone/Zamtel bill 0 6 Bank statement 1 7 Lease or rental agreement (eg vehicle, house) 0 8 Subscription (eg satellite TV) 1 9 Tax return 0 10 Proof of residential address 0 11 Payslip from employer 3 12 Introductory Letter from Employer 4 13 Other specify 1 14 Don't know 0 Sysmiss 3990 S5Q6.7: What document do financial institutions require......their s 5 3995 -9 Missing Data 0 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 0 5 Telephone/Zamtel bill 0 6 Bank statement 0 7 Lease or rental agreement (eg vehicle, house) 1 8 Subscription (eg satellite TV) 0 9 Tax return 0 10 Proof of residential address 1 11 Payslip from employer 0 12 Introductory Letter from Employer 3 13 Other specify 0 14 Don't know 0 Sysmiss 3995 S5Q6.8: What document do financial institutions require......their s 2 3998 -9 Missing Data 0 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 0 5 Telephone/Zamtel bill 0 6 Bank statement 0 7 Lease or rental agreement (eg vehicle, house) 0 8 Subscription (eg satellite TV) 1 9 Tax return 0 10 Proof of residential address 0 11 Payslip from employer 1 12 Introductory Letter from Employer 0 13 Other specify 0 14 Don't know 0 Sysmiss 3998 S5Q6.9: What document do financial institutions require......their s 1 3999 -9 Missing Data 0 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 0 5 Telephone/Zamtel bill 0 6 Bank statement 0 7 Lease or rental agreement (eg vehicle, house) 0 8 Subscription (eg satellite TV) 0 9 Tax return 1 10 Proof of residential address 0 11 Payslip from employer 0 12 Introductory Letter from Employer 0 13 Other specify 0 14 Don't know 0 Sysmiss 3999 S5Q6.10: What document do financial institutions require......their s 1 3999 -9 Missing Data 0 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 0 5 Telephone/Zamtel bill 0 6 Bank statement 0 7 Lease or rental agreement (eg vehicle, house) 0 8 Subscription (eg satellite TV) 0 9 Tax return 0 10 Proof of residential address 0 11 Payslip from employer 1 12 Introductory Letter from Employer 0 13 Other specify 0 14 Don't know 0 Sysmiss 3999 S5Q6.11: What document do financial institutions require......their s 1 3999 -9 Missing Data 0 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 0 5 Telephone/Zamtel bill 0 6 Bank statement 0 7 Lease or rental agreement (eg vehicle, house) 0 8 Subscription (eg satellite TV) 0 9 Tax return 0 10 Proof of residential address 0 11 Payslip from employer 0 12 Introductory Letter from Employer 1 13 Other specify 0 14 Don't know 0 Sysmiss 3999 If you receive K1 Million what do you do? 4000 0 -9 Missing Data 11 1 Put it in a bank / Open a bank account 2588 2 Place it with a Savings Club / Chilimba 15 3 Give it to someone for safekeeping 473 4 Keep it in a safe hiding place at home 748 5 Carry it with you always 22 6 Lend it out to someone else 15 7 Other specify 82 8 Does not know 46 Once you had ....spend your money...it on? 3998 2 -9 Missing Data 10 1 Go towards Building/buying a house 820 2 Improve dwelling 152 3 Spend it on household goods - cooker / fridge / TV / radio etc 138 4 Invest in agricultural equipment 102 5 Buy livestock 466 6 Buy a vehicle 21 7 Start a business 979 8 Expand a business 312 9 Buy additional stock for business 12 10 Save in the bank to get interest 22 11 Buy stocks on the Lusaka Stock Exchange 2 12 Buy Treasury Bills, Unit Trusts, Govt Bonds, etc. 3 13 Pay off outstanding bills 2 14 Pay off loans / debts 2 15 Pay school fees - for self / family / dependents / friends 194 16 Use for household consumption i.e. spend on groceries, food etc 60 17 Pay rent 1 18 Purchase of farming inputs (e.g. Fertilizer, seed, veterinary stock, land preparation) 573 19 Help friends/family 25 20 Other specify 67 21 Do not know 35 Sysmiss 2 True/not true/dont know... You do not like carrying cash 3985 15 -9 Missing Data 0 1 True 1596 2 Not true 2277 3 Don't know 112 Sysmiss 15 True/not true/dont know... You try to make provision for the future in terms of 3980 20 -9 Missing Data 0 1 True 2177 2 Not true 1553 3 Don't know 250 Sysmiss 20 True/not true/dont know... You try to make provision for the future in terms of money True/not true/dont know... People often ask your advice on financial matters 3980 20 -9 Missing Data 0 1 True 1166 2 Not true 2662 3 Don't know 152 Sysmiss 20 True/not true/dont know... To get ahead in life, one needs to take some risks 3979 21 -9 Missing Data 0 1 True 1889 2 Not true 1513 3 Don't know 577 Sysmiss 21 True/not true/dont know... You know quite a bit about money and finances 3970 30 -9 Missing Data 0 1 True 2222 2 Not true 1487 3 Don't know 261 Sysmiss 30 True/not true/dont know... You would rather deal with people face to face than w 3980 20 -9 Missing Data 0 1 True 1584 2 Not true 1256 3 Don't know 1140 Sysmiss 20 True/not true/dont know... You would rather deal with people face to face than with machines such as ATMs even if the machines are quicker True/not true/dont know... When it comes to money you trust your own experience 3979 21 -9 Missing Data 0 1 True 1776 2 Not true 1742 3 Don't know 461 Sysmiss 21 True/not true/dont know... When it comes to money you trust your own experience / knowledge rather than the advice / promises of others True/not true/dont know... In times of need you would rather deal with people yo 3978 22 -9 Missing Data 0 1 True 2301 2 Not true 1150 3 Don't know 527 Sysmiss 22 True/not true/dont know... In times of need you would rather deal with people you know than with a large organisation True/not true/dont know... You would like to use your cellphone to transfer mone 3980 20 -9 Missing Data 0 1 True 529 2 Not true 2051 3 Don't know 1400 Sysmiss 20 True/not true/dont know... You would like to use your cellphone to transfer money if you could True/not true/dont know... It is not safe to keep cash in your dwelling 3982 18 -9 Missing Data 0 1 True 2366 2 Not true 1328 3 Don't know 288 Sysmiss 18 True/not true/dont know... You try to have the same things that other people hav 3979 21 -9 Missing Data 0 1 True 1815 2 Not true 1869 3 Don't know 295 Sysmiss 21 True/not true/dont know... You try to have the same things that other people have S6Q1A.12: True/not true/dont know 3979 21 -9 Missing Data 0 1 True 2241 2 Not true 1175 3 Don't know 563 Sysmiss 21 Quick access to loans ...Bank 3980 20 -9 Missing Data 0 1 Yes 1468 2 No 2512 Sysmiss 20 Quick access to your savings/cash ...Bank 3977 23 -9 Missing Data 0 1 Yes 1763 2 No 2214 Sysmiss 23 The services they offer are expensive ...Bank 3978 22 -9 Missing Data 0 1 Yes 361 2 No 3617 Sysmiss 22 They charge high interest when you borrow from them ...Bank 3978 22 -9 Missing Data 0 1 Yes 292 2 No 3686 Sysmiss 22 They give good interest on savings ...Bank 3978 22 -9 Missing Data 0 1 Yes 1379 2 No 2599 Sysmiss 22 They have the right products and services for me ...Bank 3978 22 -9 Missing Data 0 1 Yes 966 2 No 3012 Sysmiss 22 They treat you like you want to be treated ...Bank 3974 26 -9 Missing Data 0 1 Yes 923 2 No 3051 Sysmiss 26 They use words and language you don't understand ...Bank 3974 26 -9 Missing Data 0 1 Yes 415 2 No 3559 Sysmiss 26 To use their products and services gives you status in the community ...Bank 3974 26 -9 Missing Data 0 1 Yes 1261 2 No 2713 Sysmiss 26 They try to understand your needs ...Bank 3975 25 -9 Missing Data 0 1 Yes 919 2 No 3056 Sysmiss 25 They lend too much and get you into trouble ...Bank 3975 25 -9 Missing Data 0 1 Yes 192 2 No 3783 Sysmiss 25 You know how to get their products and services ...Bank 3973 27 -9 Missing Data 0 1 Yes 918 2 No 3055 Sysmiss 27 You know where to go if you want to use their products and services ...Bank 3973 27 -9 Missing Data 0 1 Yes 1164 2 No 2809 Sysmiss 27 You qualify to have their products and services ...Bank 3972 28 -9 Missing Data 0 1 Yes 899 2 No 3073 Sysmiss 28 You trust them ...Bank 3972 28 -9 Missing Data 0 1 Yes 1410 2 No 2562 Sysmiss 28 3980 20 -9 Missing Data 0 0 1 1 Yes 394 2 No 3585 Sysmiss 20 3977 23 -9 Missing Data 0 1 Yes 66 2 No 3911 Sysmiss 23 3978 22 -9 Missing Data 0 1 Yes 371 2 No 3607 Sysmiss 22 3978 22 -9 Missing Data 0 1 Yes 336 2 No 3642 Sysmiss 22 3978 22 -9 Missing Data 0 1 Yes 34 2 No 3944 Sysmiss 22 3977 23 -9 Missing Data 0 1 Yes 49 2 No 3928 Sysmiss 23 3974 26 -9 Missing Data 0 1 Yes 98 2 No 3876 Sysmiss 26 3974 26 -9 Missing Data 0 1 Yes 368 2 No 3606 Sysmiss 26 3974 26 -9 Missing Data 0 1 Yes 78 2 No 3896 Sysmiss 26 3975 25 -9 Missing Data 0 1 Yes 125 2 No 3850 Sysmiss 25 3975 25 -9 Missing Data 0 1 Yes 262 2 No 3713 Sysmiss 25 3973 27 -9 Missing Data 0 1 Yes 156 2 No 3817 Sysmiss 27 3973 27 -9 Missing Data 0 1 Yes 200 2 No 3773 Sysmiss 27 3972 28 -9 Missing Data 0 1 Yes 129 2 No 3843 Sysmiss 28 3972 28 -9 Missing Data 0 1 Yes 62 2 No 3910 Sysmiss 28 Quick access to loans .... Savings club 3995 5 -9 Missing Data 16 1 Yes 108 2 No 3871 Sysmiss 5 Quick access to your savings/cash .... Savings club 3989 11 -9 Missing Data 12 1 Yes 138 2 No 3839 Sysmiss 11 The services they offer are expensive .... Savings club 3990 10 -9 Missing Data 12 1 Yes 31 2 No 3947 Sysmiss 10 They charge high interest when you borrow from them .... Savings club 3990 10 -9 Missing Data 12 1 Yes 21 2 No 3957 Sysmiss 10 They give good interest on savings .... Savings club 3989 11 -9 Missing Data 11 1 Yes 69 2 No 3909 Sysmiss 11 They have the right products and services for me .... Savings club 3989 11 -9 Missing Data 12 1 Yes 88 2 No 3889 Sysmiss 11 They treat you like you want to be treated .... Savings club 3986 14 -9 Missing Data 12 1 Yes 94 2 No 3880 Sysmiss 14 They use words and language you don't understand .... Savings club 3986 14 -9 Missing Data 12 1 Yes 69 2 No 3905 Sysmiss 14 To use their products and services gives you status in the community .... Savin 3986 14 -9 Missing Data 12 1 Yes 49 2 No 3925 Sysmiss 14 To use their products and services gives you status in the community .... Savings club They try to understand your needs .... Savings club 3987 13 -9 Missing Data 12 1 Yes 120 2 No 3855 Sysmiss 13 They lend too much and get you into trouble .... Savings club 3987 13 -9 Missing Data 12 1 Yes 33 2 No 3942 Sysmiss 13 You know how to get their products and services .... Savings club 3987 13 -9 Missing Data 14 1 Yes 149 2 No 3824 Sysmiss 13 You know where to go if you want to use their products and services .... Saving 3986 14 -9 Missing Data 13 1 Yes 151 2 No 3822 Sysmiss 14 You know where to go if you want to use their products and services .... Savings club You qualify to have their products and services .... Savings club 3986 14 -9 Missing Data 14 1 Yes 166 2 No 3806 Sysmiss 14 You trust them .... Savings club 3985 15 -9 Missing Data 13 1 Yes 89 2 No 3883 Sysmiss 15 Quick access to loans ... Money lender 3995 5 -9 Missing Data 16 1 Yes 480 2 No 3499 Sysmiss 5 Quick access to your savings/cash ... Money lender 3989 11 -9 Missing Data 12 1 Yes 106 2 No 3871 Sysmiss 11 The services they offer are expensive ... Money lender 3990 10 -9 Missing Data 12 1 Yes 1358 2 No 2620 Sysmiss 10 They charge high interest when you borrow from them ... Money lender 3990 10 -9 Missing Data 12 1 Yes 1659 2 No 2319 Sysmiss 10 They give good interest on savings ... Money lender 3989 11 -9 Missing Data 11 1 Yes 61 2 No 3917 Sysmiss 11 They have the right products and services for me ... Money lender 3989 11 -9 Missing Data 12 1 Yes 36 2 No 3941 Sysmiss 11 They treat you like you want to be treated ... Money lender 3986 14 -9 Missing Data 12 1 Yes 77 2 No 3897 Sysmiss 14 They use words and language you don't understand ... Money lender 3986 14 -9 Missing Data 12 1 Yes 313 2 No 3661 Sysmiss 14 To use their products and services gives you status in the community ... Money 3986 14 -9 Missing Data 12 1 Yes 63 2 No 3911 Sysmiss 14 To use their products and services gives you status in the community ... Money lender They try to understand your needs ... Money lender 3987 13 -9 Missing Data 12 1 Yes 228 2 No 3747 Sysmiss 13 They lend too much and get you into trouble ... Money lender 3987 13 -9 Missing Data 12 1 Yes 1650 2 No 2325 Sysmiss 13 You know how to get their products and services ... Money lender 3987 13 -9 Missing Data 14 1 Yes 519 2 No 3454 Sysmiss 13 You know where to go if you want to use their products and services ... Money l 3986 14 -9 Missing Data 13 1 Yes 511 2 No 3462 Sysmiss 14 You know where to go if you want to use their products and services ... Money lender You qualify to have their products and services ... Money lender 3986 14 -9 Missing Data 14 1 Yes 396 2 No 3576 Sysmiss 14 You trust them ... Money lender 3985 15 -9 Missing Data 13 1 Yes 74 2 No 3898 Sysmiss 15 Quick access to loans ...None 3995 5 -9 Missing Data 16 1 Yes 398 2 No 3581 Sysmiss 5 Quick access to your savings/cash ...None 3989 11 -9 Missing Data 12 1 Yes 503 2 No 3474 Sysmiss 11 The services they offer are expensive ...None 3990 10 -9 Missing Data 12 1 Yes 414 2 No 3564 Sysmiss 10 They charge high interest when you borrow from them ...None 3990 10 -9 Missing Data 12 1 Yes 374 2 No 3604 Sysmiss 10 They give good interest on savings ...None 3989 11 -9 Missing Data 11 1 Yes 600 2 No 3378 Sysmiss 11 They have the right products and services for me ...None 3988 12 -9 Missing Data 12 1 Yes 888 2 No 3088 Sysmiss 12 They treat you like you want to be treated ...None 3986 14 -9 Missing Data 12 1 Yes 964 2 No 3010 Sysmiss 14 They use words and language you don't understand ...None 3986 14 -9 Missing Data 12 1 Yes 910 2 No 3064 Sysmiss 14 To use their products and services gives you status in the community ...None 3986 14 -9 Missing Data 12 1 Yes 795 2 No 3179 Sysmiss 14 They try to understand your needs ...None 3987 13 -9 Missing Data 12 1 Yes 916 2 No 3059 Sysmiss 13 They lend too much and get you into trouble ...None 3987 13 -9 Missing Data 12 1 Yes 457 2 No 3518 Sysmiss 13 You know how to get their products and services ...None 3987 13 -9 Missing Data 14 1 Yes 719 2 No 3254 Sysmiss 13 You know where to go if you want to use their products and services ...None 3986 14 -9 Missing Data 13 1 Yes 636 2 No 3337 Sysmiss 14 You qualify to have their products and services ...None 3986 14 -9 Missing Data 14 1 Yes 864 2 No 3108 Sysmiss 14 You trust them ...None 3985 15 -9 Missing Data 13 1 Yes 894 2 No 3078 Sysmiss 15 Quick access to loans ...Dont know 3995 5 -9 Missing Data 16 1 Yes 1449 2 No 2530 Sysmiss 5 Quick access to your savings/cash ...Dont know 3989 11 -9 Missing Data 12 1 Yes 1496 2 No 2481 Sysmiss 11 The services they offer are expensive ...Dont know 3990 10 -9 Missing Data 12 1 Yes 1665 2 No 2313 Sysmiss 10 They charge high interest when you borrow from them ...Dont know 3990 10 -9 Missing Data 12 1 Yes 1542 2 No 2436 Sysmiss 10 They give good interest on savings ...Dont know 3989 11 -9 Missing Data 11 1 Yes 1865 2 No 2113 Sysmiss 11 They have the right products and services for me ...Dont know 3988 12 -9 Missing Data 12 1 Yes 1987 2 No 1989 Sysmiss 12 They treat you like you want to be treated ...Dont know 3986 14 -9 Missing Data 13 1 Yes 1873 2 No 2100 Sysmiss 14 They use words and language you don't understand ...Dont know 3986 14 -9 Missing Data 12 1 Yes 2012 2 No 1962 Sysmiss 14 To use their products and services gives you status in the community ...Dont kn 3986 14 -9 Missing Data 12 1 Yes 1773 2 No 2201 Sysmiss 14 To use their products and services gives you status in the community ...Dont know They try to understand your needs ...Dont know 3987 13 -9 Missing Data 12 1 Yes 1754 2 No 2221 Sysmiss 13 They lend too much and get you into trouble ...Dont know 3987 13 -9 Missing Data 12 1 Yes 1522 2 No 2453 Sysmiss 13 You know how to get their products and services ...Dont know 3987 13 -9 Missing Data 14 1 Yes 1731 2 No 2242 Sysmiss 13 You know where to go if you want to use their products and services ...Dont kno 3986 14 -9 Missing Data 13 1 Yes 1643 2 No 2330 Sysmiss 14 You know where to go if you want to use their products and services ...Dont know You qualify to have their products and services ...Dont know 3985 15 -9 Missing Data 14 1 Yes 1731 2 No 2240 Sysmiss 15 You trust them ...Dont know 3985 15 -9 Missing Data 13 1 Yes 1511 2 No 2461 Sysmiss 15 It is better to save where your money is safe...........more 3697 303 -9 Missing Data 0 1 True 2671 2 Not true 689 3 Don't know 337 4 Not know 0 Sysmiss 303 Your prefer to spend money when you have it rather........la 3735 265 -9 Missing Data 0 1 True 1380 2 Not true 2196 3 Don't know 159 4 Not know 0 Sysmiss 265 If you regularly put away small amounts of money it.......be 3744 256 -9 Missing Data 0 1 True 2956 2 Not true 512 3 Don't know 276 4 Not know 0 Sysmiss 256 You have to save for difficult times...income is low 3537 463 -9 Missing Data 0 1 True 2442 2 Not true 834 3 Don't know 261 4 Not know 0 Sysmiss 463 You try different savings products to try and get the most i 2335 1665 -9 Missing Data 0 1 True 380 2 Not true 1465 3 Don't know 490 4 Not know 0 Sysmiss 1665 You know how much interet you will get on your savings 2205 1795 -9 Missing Data 0 1 True 622 2 Not true 1033 3 Don't know 550 4 Not know 0 Sysmiss 1795 You go without certain things to be able to save 3106 894 -9 Missing Data 0 1 True 1347 2 Not true 1434 3 Don't know 325 4 Not know 0 Sysmiss 894 3617 383 -9 Missing Data 0 1 Putting money in a special place or account for the money to be safe 1322 2 Putting money aside to stop it being spent immediately to use later when needed 1226 3 Putting money aside so that you have some money at the end of the week/month 83 4 Putting money away so that the total amount increases over time as more is put away 0 5 Putting money aside for you to use later for a specific purpose 705 6 Don't know (do not read) 281 Sysmiss 383 Do you, when you can save or put money away for a specific p 3999 1 -9 Missing Data 17 1 Yes 1917 2 No 2064 3 1 Sysmiss 1 How often are you able to put money away? 1873 2127 -9 Missing Data 7 1 Daily basis 74 2 Weekly basis 190 3 Monthly basis 761 4 Three to four times a year 558 5 Once a year 225 6 Less than once a year 58 Sysmiss 2127 Approximately how much of your monthly income do you save... 1869 2131 -9 Missing Data 9 1 Depends on the amount you have available 1004 2 Depends on the amount you have left over after living expenses 445 3 Less than a quarter 133 4 About a quarter 131 5 About half (two quarters) 59 6 About three quarters 19 7 More than three quarters 6 8 Don't know (do not read out) 63 Sysmiss 2131 During the past months, did you have extra money that....... 3998 2 -9 Missing Data 19 1 Yes 454 2 No 3525 Sysmiss 2 Second Institution 36 3964 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 1 4 Barclays Bank 9 5 Cavmont Capital Bank 3 6 Citibank 0 7 EcoBank 0 8 Finance Bank 2 9 First Alliance Bank 1 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 1 13 Investrust Bank 1 14 Stanbic Bank 2 15 Standard Chartered Bank 1 16 4 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 7 20 National Savings and Credit Bank (Natsave) 4 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3964 Third Institution 4 3996 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 1 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 1 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 1 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3996 Fourth Institution 1 3999 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 1 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3999 Savings products..... Savings at a bank 3970 30 -9 Missing Data 0 1 Have now 417 2 Used to have 145 3 Never had 3407 4 1 Sysmiss 30 Savings products..... Savings at another financial organisation like a microfina 3970 30 -9 Missing Data 0 1 Have now 15 2 Used to have 57 3 Never had 3898 Sysmiss 30 Savings products..... Savings at another financial organisation like a microfinance institution or Savings and Credit Co-op (SACCO) Savings products..... Savings with your employer 3979 21 -9 Missing Data 0 1 Have now 48 2 Used to have 53 3 Never had 3878 Sysmiss 21 Savings products..... Savings with a savings club eg Chilimba, ROSCA, ASCA 3979 21 -9 Missing Data 0 1 Have now 90 2 Used to have 107 3 Never had 3782 Sysmiss 21 Savings products..... Savings with another community group or church 3979 21 -9 Missing Data 0 1 Have now 55 2 Used to have 65 3 Never had 3859 Sysmiss 21 Savings products..... Savings in the form of cash at home or in a secret hiding 3979 21 -9 Missing Data 0 1 Have now 1043 2 Used to have 415 3 Never had 2521 Sysmiss 21 Savings products..... Savings in the form of cash at home or in a secret hiding place that you are not using for everyday living expenses Savings products..... Savings in the form of cash kept safe by carrying it aroun 3982 18 -9 Missing Data 0 1 Have now 182 2 Used to have 233 3 Never had 3567 Sysmiss 18 Savings products..... Savings in the form of cash kept safe by carrying it around (eg in waist band/chitenge) - not using it for living expens Savings products..... Savings by means of money that you gave to a household or 3980 20 -9 Missing Data 0 1 Have now 284 2 Used to have 322 3 Never had 3374 Sysmiss 20 Savings products..... Savings by means of money that you gave to a household or family member to keep safe for you Savings products..... Saving by means of money you gave to someone else for safe 3982 18 -9 Missing Data 0 1 Have now 72 2 Used to have 123 3 Never had 3787 Sysmiss 18 Savings products..... Saving by means of money you gave to someone else for safe keeping (eg money guards) Savings products..... Savings by means of buying farming/fishing inputs in advan 3981 19 -9 Missing Data 0 1 Have now 151 2 Used to have 101 3 Never had 3729 Sysmiss 19 Savings products..... Savings by means of buying farming/fishing inputs in advance (like seeds or fertiliser) Savings products..... Savings in Treasury Bills or Government Bonds 3981 19 -9 Missing Data 0 1 Have now 4 2 Used to have 23 3 Never had 3954 Sysmiss 19 Savings products..... Savings in unit trusts 3981 19 -9 Missing Data 0 1 Have now 3 2 Used to have 22 3 Never had 3956 Sysmiss 19 Savings products..... Is there any other form of savings that I have not mention 3979 21 -9 Missing Data 0 1 Have now 17 2 Used to have 26 3 Never had 3936 Sysmiss 21 Savings products..... Is there any other form of savings that I have not mentioned that you have or used to have? If yes, Please tell me what First Institution.... Savings at a bank 361 3639 -9 Missing Data 18 1 Access Bank 3 2 African Banking Corporation (ABC) 1 3 Bank of China 0 4 Barclays Bank 62 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 59 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 8 12 Intermarket Banking Corporation 1 13 Investrust Bank 5 14 Stanbic Bank 16 15 Standard Chartered Bank 12 16 132 17 Finance Building Society 1 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 9 20 National Savings and Credit Bank (Natsave) 32 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 2 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3639 First Institution.... Savings at another financial organisation like a microfina 11 3989 -9 Missing Data 1 1 Access Bank 0 2 African Banking Corporation (ABC) 1 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 1 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 2 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 3 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 2 Sysmiss 3989 First Institution.... Savings at another financial organisation like a microfinance institution or Savings and Credit Co-op (SACCO) First Institution.... Savings with your employer 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution.... Savings with a savings club eg Chilimba, ROSCA, ASCA 1 3999 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 1 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3999 First Institution.... Savings with another community group or church 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution.... Savings in the form of cash at home or in a secret hiding 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution.... Savings in the form of cash at home or in a secret hiding place that you are not using for everyday living expenses First Institution.... Savings in the form of cash kept safe by carrying it aroun 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution.... Savings in the form of cash kept safe by carrying it around (eg in waist band/chitenge) - not using it for living expens First Institution.... Savings by means of money that you gave to a household or 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution.... Savings by means of money that you gave to a household or family member to keep safe for you First Institution.... Saving by means of money you gave to someone else for safe 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution.... Saving by means of money you gave to someone else for safe keeping (eg money guards) First Institution.... Savings by means of buying farming/fishing inputs in advan 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution.... Savings by means of buying farming/fishing inputs in advance (like seeds or fertiliser) First Institution.... Savings in Treasury Bills or Government Bonds 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution.... Savings in unit trusts 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution.... Is there any other form of savings that I have not mention 1 3999 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 1 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3999 First Institution.... Is there any other form of savings that I have not mentioned that you have or used to have? If yes, Please tell me what S7Q3CA.1: Why are you not saving......? 2120 1880 -9 Missing Data 0 1 No money left over after living expenses 1117 2 All your money is put into the household pot 119 3 Do not have any income - so nothing to save 694 4 You prefer to spend money when you have it 55 5 You cannot open an account with a bank or other finance organisation 5 6 You cannot get to a bank or other finance organisation 4 7 It is not safe to keep money in a bank or other financial organisation 1 8 Saving is for rich people who can afford to save and still pay their living expenses 14 9 You are worried who would get your money after you die 2 10 You are worried that your relatives would come for your savings 1 11 Other specify 71 12 Does not know 36 16 1 Sysmiss 1880 S7Q3CA.2: Why are you not saving......? 317 3683 -9 Missing Data 0 1 No money left over after living expenses 0 2 All your money is put into the household pot 162 3 Do not have any income - so nothing to save 60 4 You prefer to spend money when you have it 33 5 You cannot open an account with a bank or other finance organisation 4 6 You cannot get to a bank or other finance organisation 3 7 It is not safe to keep money in a bank or other financial organisation 1 8 Saving is for rich people who can afford to save and still pay their living expenses 35 9 You are worried who would get your money after you die 2 10 You are worried that your relatives would come for your savings 0 11 Other specify 14 12 Does not know 3 Sysmiss 3683 S7Q3CA.3: Why are you not saving......? 42 3958 -9 Missing Data 0 1 No money left over after living expenses 0 2 All your money is put into the household pot 0 3 Do not have any income - so nothing to save 19 4 You prefer to spend money when you have it 10 5 You cannot open an account with a bank or other finance organisation 1 6 You cannot get to a bank or other finance organisation 1 7 It is not safe to keep money in a bank or other financial organisation 1 8 Saving is for rich people who can afford to save and still pay their living expenses 7 9 You are worried who would get your money after you die 1 10 You are worried that your relatives would come for your savings 1 11 Other specify 1 12 Does not know 0 Sysmiss 3958 S7Q3CA.4: Why are you not saving......? 1 3999 -9 Missing Data 0 1 No money left over after living expenses 0 2 All your money is put into the household pot 0 3 Do not have any income - so nothing to save 0 4 You prefer to spend money when you have it 0 5 You cannot open an account with a bank or other finance organisation 0 6 You cannot get to a bank or other finance organisation 0 7 It is not safe to keep money in a bank or other financial organisation 0 8 Saving is for rich people who can afford to save and still pay their living expenses 1 9 You are worried who would get your money after you die 0 10 You are worried that your relatives would come for your savings 0 11 Other specify 0 12 Does not know 0 Sysmiss 3999 S7Q3CD.1: What are you saving.......for? 1821 2179 -9 Missing Data 0 1 Medical expenses either planned or emergency 383 2 An emergency other than medical 484 3 A wedding or lobola 10 4 Funeral expenses when needed 26 5 Education or school fees 173 6 Living expenses when you do not have money at that time 447 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 88 8 Providing something for my family after I die 1 9 Retirement or old age 7 10 Security or cash collateral so that I can borrow money 2 11 Buying land 6 12 Buying or building a dwelling to live in 36 13 Buying a dwelling or land to rent out 1 14 Buying household appliances, goods or furniture 28 15 Buying livestock 17 16 Buying farming/fishing equipment or implements 14 17 Buying a bicycle, motorcycle, car, truck or other transport 9 18 Starting or expanding my business 45 19 Putting money or goods into someone else's business 2 20 Other specify 42 Sysmiss 2179 S7Q3CD.2: What are you saving.......for? 874 3126 -9 Missing Data 0 1 Medical expenses either planned or emergency 0 2 An emergency other than medical 115 3 A wedding or lobola 2 4 Funeral expenses when needed 50 5 Education or school fees 169 6 Living expenses when you do not have money at that time 236 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 138 8 Providing something for my family after I die 11 9 Retirement or old age 5 10 Security or cash collateral so that I can borrow money 0 11 Buying land 3 12 Buying or building a dwelling to live in 24 13 Buying a dwelling or land to rent out 2 14 Buying household appliances, goods or furniture 20 15 Buying livestock 15 16 Buying farming/fishing equipment or implements 23 17 Buying a bicycle, motorcycle, car, truck or other transport 7 18 Starting or expanding my business 41 19 Putting money or goods into someone else's business 1 20 Other specify 12 Sysmiss 3126 S7Q3CD.3: What are you saving.......for? 271 3729 -9 Missing Data 0 1 Medical expenses either planned or emergency 0 2 An emergency other than medical 0 3 A wedding or lobola 1 4 Funeral expenses when needed 10 5 Education or school fees 37 6 Living expenses when you do not have money at that time 82 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 52 8 Providing something for my family after I die 5 9 Retirement or old age 7 10 Security or cash collateral so that I can borrow money 0 11 Buying land 5 12 Buying or building a dwelling to live in 11 13 Buying a dwelling or land to rent out 5 14 Buying household appliances, goods or furniture 9 15 Buying livestock 9 16 Buying farming/fishing equipment or implements 9 17 Buying a bicycle, motorcycle, car, truck or other transport 4 18 Starting or expanding my business 22 19 Putting money or goods into someone else's business 1 20 Other specify 2 Sysmiss 3729 S7Q3CD.4: What are you saving.......for? 78 3922 -9 Missing Data 0 1 Medical expenses either planned or emergency 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses when needed 1 5 Education or school fees 5 6 Living expenses when you do not have money at that time 14 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 17 8 Providing something for my family after I die 1 9 Retirement or old age 4 10 Security or cash collateral so that I can borrow money 1 11 Buying land 3 12 Buying or building a dwelling to live in 5 13 Buying a dwelling or land to rent out 1 14 Buying household appliances, goods or furniture 7 15 Buying livestock 3 16 Buying farming/fishing equipment or implements 2 17 Buying a bicycle, motorcycle, car, truck or other transport 1 18 Starting or expanding my business 12 19 Putting money or goods into someone else's business 0 20 Other specify 1 Sysmiss 3922 S7Q3CD.5: What are you saving.......for? 17 3983 -9 Missing Data 0 1 Medical expenses either planned or emergency 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses when needed 0 5 Education or school fees 0 6 Living expenses when you do not have money at that time 3 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 1 8 Providing something for my family after I die 2 9 Retirement or old age 1 10 Security or cash collateral so that I can borrow money 0 11 Buying land 1 12 Buying or building a dwelling to live in 3 13 Buying a dwelling or land to rent out 0 14 Buying household appliances, goods or furniture 2 15 Buying livestock 2 16 Buying farming/fishing equipment or implements 0 17 Buying a bicycle, motorcycle, car, truck or other transport 1 18 Starting or expanding my business 1 19 Putting money or goods into someone else's business 0 20 Other specify 0 Sysmiss 3983 S7Q3CD.6: What are you saving.......for? 5 3995 -9 Missing Data 0 1 Medical expenses either planned or emergency 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses when needed 0 5 Education or school fees 0 6 Living expenses when you do not have money at that time 0 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 1 8 Providing something for my family after I die 0 9 Retirement or old age 1 10 Security or cash collateral so that I can borrow money 0 11 Buying land 0 12 Buying or building a dwelling to live in 1 13 Buying a dwelling or land to rent out 0 14 Buying household appliances, goods or furniture 0 15 Buying livestock 0 16 Buying farming/fishing equipment or implements 1 17 Buying a bicycle, motorcycle, car, truck or other transport 0 18 Starting or expanding my business 1 19 Putting money or goods into someone else's business 0 20 Other specify 0 Sysmiss 3995 S7Q3CD.7: What are you saving.......for? 2 3998 -9 Missing Data 0 1 Medical expenses either planned or emergency 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses when needed 0 5 Education or school fees 0 6 Living expenses when you do not have money at that time 0 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 0 8 Providing something for my family after I die 0 9 Retirement or old age 0 10 Security or cash collateral so that I can borrow money 0 11 Buying land 1 12 Buying or building a dwelling to live in 0 13 Buying a dwelling or land to rent out 0 14 Buying household appliances, goods or furniture 0 15 Buying livestock 0 16 Buying farming/fishing equipment or implements 0 17 Buying a bicycle, motorcycle, car, truck or other transport 1 18 Starting or expanding my business 0 19 Putting money or goods into someone else's business 0 20 Other specify 0 Sysmiss 3998 S7Q3CD.8: What are you saving.......for? 2 3998 -9 Missing Data 0 1 Medical expenses either planned or emergency 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses when needed 0 5 Education or school fees 0 6 Living expenses when you do not have money at that time 0 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 0 8 Providing something for my family after I die 0 9 Retirement or old age 0 10 Security or cash collateral so that I can borrow money 0 11 Buying land 0 12 Buying or building a dwelling to live in 0 13 Buying a dwelling or land to rent out 0 14 Buying household appliances, goods or furniture 0 15 Buying livestock 1 16 Buying farming/fishing equipment or implements 0 17 Buying a bicycle, motorcycle, car, truck or other transport 0 18 Starting or expanding my business 1 19 Putting money or goods into someone else's business 0 20 Other specify 0 Sysmiss 3998 Have you put money for later reselling for cash or profit...... Property - inclu 3997 3 -9 Missing Data 17 1 Yes 136 2 No 3844 Sysmiss 3 Have you put money for later reselling for cash or profit...... Property - including second homes and rental properties Have you put money for later reselling for cash or profit...... Investments outs 3996 4 -9 Missing Data 16 1 Yes 5 2 No 3975 Sysmiss 4 Have you put money for later reselling for cash or profit...... Investments outside Zambia including property or other assets Have you put money for later reselling for cash or profit...... Vacant land (inc 3996 4 -9 Missing Data 15 1 Yes 134 2 No 3847 Sysmiss 4 Have you put money for later reselling for cash or profit...... Vacant land (including farm land) Have you put money for later reselling for cash or profit...... Cattle and/or ot 3996 4 -9 Missing Data 15 1 Yes 327 2 No 3654 Sysmiss 4 Have you put money for later reselling for cash or profit...... Cattle and/or other livestock Have you put money for later reselling for cash or profit...... Farming equipmen 3996 4 -9 Missing Data 16 1 Yes 36 2 No 3944 Sysmiss 4 Have you put money for later reselling for cash or profit...... Farming equipment or structures (irrigation, dams, buildings etc.) Have you put money for later reselling for cash or profit...... Fishing equipmen 3996 4 -9 Missing Data 16 1 Yes 40 2 No 3940 Sysmiss 4 Have you put money for later reselling for cash or profit...... Fishing equipment (such as boats or nets) Have you put money for later reselling for cash or profit...... Improving, exten 3996 4 -9 Missing Data 16 1 Yes 72 2 No 3908 Sysmiss 4 Have you put money for later reselling for cash or profit...... Improving, extending or building your home Have you put money for later reselling for cash or profit...... Investment in yo 3996 4 -9 Missing Data 16 1 Yes 181 2 No 3799 Sysmiss 4 Have you put money for later reselling for cash or profit...... Investment in your own business (such as buying more stock, or equipment) Have you put money for later reselling for cash or profit...... Investment in so 3995 5 -9 Missing Data 16 1 Yes 26 2 No 3953 Sysmiss 5 Have you put money for later reselling for cash or profit...... Investment in someone else's business Have you put money for later reselling for cash or profit...... Buying agricultu 3995 5 -9 Missing Data 16 1 Yes 104 2 No 3875 Sysmiss 5 Have you put money for later reselling for cash or profit...... Buying agricultural crops from farmers Have you put money for later reselling for cash or profit...... Buying shares /s 3995 5 -9 Missing Data 16 1 Yes 8 2 No 3971 Sysmiss 5 Have you put money for later reselling for cash or profit...... Buying shares /stock market S7Q5A.12: Yes/No 3995 5 -9 Missing Data 15 1 Yes 44 2 No 3936 Sysmiss 5 S7Q6.1: What are the things you would take into account......you mon 3981 19 -9 Missing Data 20 1 Location - proximity to home/place of work 1277 2 Easy/simple to use 520 3 Quick cash when it is needed 579 4 Convenience of depositing/withdrawing 53 5 Affordability - must not pay high service fees 90 6 Trust in service provider 168 7 Good service by service provider 138 8 Safety of money (from theft) 855 9 High interest on savings 57 10 Other specify 224 Sysmiss 19 S7Q6.2: What are the things you would take into account......you mon 2111 1889 -9 Missing Data 0 1 Location - proximity to home/place of work 0 2 Easy/simple to use 312 3 Quick cash when it is needed 435 4 Convenience of depositing/withdrawing 79 5 Affordability - must not pay high service fees 150 6 Trust in service provider 138 7 Good service by service provider 210 8 Safety of money (from theft) 591 9 High interest on savings 185 10 Other specify 11 Sysmiss 1889 S7Q6.3: What are the things you would take into account......you mon 877 3123 -9 Missing Data 0 1 Location - proximity to home/place of work 0 2 Easy/simple to use 0 3 Quick cash when it is needed 127 4 Convenience of depositing/withdrawing 53 5 Affordability - must not pay high service fees 46 6 Trust in service provider 82 7 Good service by service provider 102 8 Safety of money (from theft) 317 9 High interest on savings 144 10 Other specify 6 Sysmiss 3123 S7Q6.4: What are the things you would take into account......you mon 252 3748 -9 Missing Data 0 1 Location - proximity to home/place of work 0 2 Easy/simple to use 0 3 Quick cash when it is needed 0 4 Convenience of depositing/withdrawing 21 5 Affordability - must not pay high service fees 23 6 Trust in service provider 18 7 Good service by service provider 33 8 Safety of money (from theft) 96 9 High interest on savings 60 10 Other specify 1 Sysmiss 3748 S7Q6.5: What are the things you would take into account......you mon 84 3916 -9 Missing Data 0 1 Location - proximity to home/place of work 0 2 Easy/simple to use 0 3 Quick cash when it is needed 0 4 Convenience of depositing/withdrawing 0 5 Affordability - must not pay high service fees 8 6 Trust in service provider 15 7 Good service by service provider 15 8 Safety of money (from theft) 21 9 High interest on savings 25 10 Other specify 0 Sysmiss 3916 S7Q6.6: What are the things you would take into account......you mon 37 3963 -9 Missing Data 0 1 Location - proximity to home/place of work 0 2 Easy/simple to use 0 3 Quick cash when it is needed 0 4 Convenience of depositing/withdrawing 0 5 Affordability - must not pay high service fees 0 6 Trust in service provider 6 7 Good service by service provider 11 8 Safety of money (from theft) 15 9 High interest on savings 5 10 Other specify 0 Sysmiss 3963 S7Q6.7: What are the things you would take into account......you mon 22 3978 -9 Missing Data 0 1 Location - proximity to home/place of work 0 2 Easy/simple to use 0 3 Quick cash when it is needed 0 4 Convenience of depositing/withdrawing 0 5 Affordability - must not pay high service fees 0 6 Trust in service provider 0 7 Good service by service provider 5 8 Safety of money (from theft) 10 9 High interest on savings 7 10 Other specify 0 Sysmiss 3978 S7Q6.8: What are the things you would take into account......you mon 11 3989 -9 Missing Data 0 1 Location - proximity to home/place of work 0 2 Easy/simple to use 0 3 Quick cash when it is needed 0 4 Convenience of depositing/withdrawing 0 5 Affordability - must not pay high service fees 0 6 Trust in service provider 0 7 Good service by service provider 0 8 Safety of money (from theft) 5 9 High interest on savings 6 10 Other specify 0 Sysmiss 3989 S7Q6.9: What are the things you would take into account......you mon 2 3998 -9 Missing Data 0 1 Location - proximity to home/place of work 0 2 Easy/simple to use 0 3 Quick cash when it is needed 0 4 Convenience of depositing/withdrawing 0 5 Affordability - must not pay high service fees 0 6 Trust in service provider 0 7 Good service by service provider 0 8 Safety of money (from theft) 0 9 High interest on savings 2 10 Other specify 0 Sysmiss 3998 S7Q6.10: What are the things you would take into account......you mon 1 3999 -9 Missing Data 0 1 Location - proximity to home/place of work 0 2 Easy/simple to use 0 3 Quick cash when it is needed 0 4 Convenience of depositing/withdrawing 0 5 Affordability - must not pay high service fees 0 6 Trust in service provider 0 7 Good service by service provider 0 8 Safety of money (from theft) 0 9 High interest on savings 0 10 Other specify 1 Sysmiss 3999 8.2.1 Did you borrow any money from any body or any institut 4000 0 -9 Missing Data 7 1 Yes 911 2 No 3082 8.2.2 Have you been paying back money that you borrowed ... 3999 1 -9 Missing Data 6 1 Yes 796 2 No 3197 Sysmiss 1 8.2.3 During the past 12 months did you get any goods/servic 3999 1 -9 Missing Data 6 1 Yes 378 2 No 3615 Sysmiss 1 What proportion of your.....money that you owe? 1206 2794 -9 Missing Data 26 1 Less than quarter 378 2 About quarter 281 3 About half(two quarters) 90 4 About three quarters 20 5 More than three quarters 79 6 Do not know 315 7 Not applicable 15 12 1 20 1 Sysmiss 2794 In the past 12 months, have you missed a payment? 1261 2739 -9 Missing Data 8 1 Yes 189 2 No 1058 3 Not applicable 6 Sysmiss 2739 In the past 12 months, have you been refused a loan? 3999 1 -9 Missing Data 7 1 Yes 143 2 No 3849 Sysmiss 1 When buying on credit you find it usually ends up being more expensive than you 3629 371 -9 Missing Data 0 1 True 2647 2 Not true 615 3 Don't know 367 4 Not applicable 0 Sysmiss 371 When buying on credit you find it usually ends up being more expensive than you thought it was You avoid borrowing money if you can 3706 294 -9 Missing Data 0 1 True 3213 2 Not true 385 3 Don't know 108 4 Not applicable 0 Sysmiss 294 Without credit / taking a loan, you would not be able to feed your family 3497 503 -9 Missing Data 0 1 True 332 2 Not true 2931 3 Don't know 234 4 Not applicable 0 Sysmiss 503 If you borrow money it is okay to pay it a bit later than agreed 3654 346 -9 Missing Data 0 1 True 563 2 Not true 2793 3 Don't know 298 4 Not applicable 0 Sysmiss 346 If you borrow from your family, most of the time they do not expect you to pay 3682 318 -9 Missing Data 0 1 True 868 2 Not true 2538 3 Don't know 276 4 Not applicable 0 Sysmiss 318 If you borrow from your family, most of the time they do not expect you to pay back It is okay to borrow money to pay back outstanding debt 3634 366 -9 Missing Data 0 1 True 710 2 Not true 2591 3 Don't know 333 4 Not applicable 0 Sysmiss 366 You have a good idea of the amount of interest you pay when you borrow money th 3096 904 -9 Missing Data 0 1 True 1070 2 Not true 1362 3 Don't know 664 4 Not applicable 0 Sysmiss 904 You have a good idea of the amount of interest you pay when you borrow money that you have to pay back with interest Being able to borrow money when you need it is more important than the amount o 3481 519 -9 Missing Data 0 1 True 974 2 Not true 1956 3 Don't know 551 4 Not applicable 0 Sysmiss 519 Being able to borrow money when you need it is more important than the amount of money you have to pay back Taking a loan or credit for someone else is a risky thing to do 3636 364 -9 Missing Data 0 1 True 2686 2 Not true 642 3 Don't know 308 4 Not applicable 0 Sysmiss 364 It is better to remain with debt than to sell something to pay it 3639 361 -9 Missing Data 0 1 True 1335 2 Not true 1989 3 Don't know 315 4 Not applicable 0 Sysmiss 361 It is better to keep savings than to use it to pay a debt 3565 435 -9 Missing Data 0 1 True 895 2 Not true 2304 3 Don't know 366 4 Not applicable 0 Sysmiss 435 You would consider using a money lender (Kaloba,shylock) in an emergency 3508 492 -9 Missing Data 0 1 True 897 2 Not true 2414 3 Don't know 197 4 Not applicable 0 Sysmiss 492 You have used a money lender (Kaloba, shylock) in the past 3468 532 -9 Missing Data 0 1 True 420 2 Not true 2939 3 Don't know 109 4 Not applicable 0 Sysmiss 532 A lender has taken your security/collateral in the past 3195 805 -9 Missing Data 0 1 True 55 2 Not true 3007 3 Don't know 133 4 Not applicable 0 Sysmiss 805 It is embarrassing to borrow money or buy on credit 3720 280 -9 Missing Data 0 1 True 1295 2 Not true 2185 3 Don't know 240 4 Not applicable 0 Sysmiss 280 Second Institution 35 3965 -9 Missing Data 4 1 Access Bank 16 2 African Banking Corporation (ABC) 3 3 Bank of China 1 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 1 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 1 25 Blue Financial Services 2 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 5 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 1 Sysmiss 3965 Third Institution 15 3985 -9 Missing Data 4 1 Access Bank 10 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 1 Sysmiss 3985 Fourth Institution 14 3986 -9 Missing Data 4 1 Access Bank 10 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3986 Contract 130 3870 -9 Missing Data 13 1 Yes 106 2 No 11 Sysmiss 3870 Language 115 3885 -9 Missing Data 14 1 Yes 96 2 No 5 Sysmiss 3885 Read/explain 116 3884 -9 Missing Data 14 1 Yes 97 2 No 5 Sysmiss 3884 Terms 115 3885 -9 Missing Data 14 1 Yes 97 2 No 4 Sysmiss 3885 Product..... Borrowed money from a bank 3993 7 -9 Missing Data 0 1 Yes 70 2 No 3923 Sysmiss 7 Product..... Borrowed money from another financial institution (eg Microfinance 3988 12 -9 Missing Data 0 1 Yes 91 2 No 3897 Sysmiss 12 Product..... Borrowed money from another financial institution (eg Microfinance institution, Savings and Credit Co-op (SACCO)) Product..... Got a loan from the Government Scheme/Institution 3989 11 -9 Missing Data 0 1 Yes 12 2 No 3977 Sysmiss 11 Product..... Borrowed money from your employer 3988 12 -9 Missing Data 0 1 Yes 68 2 No 3920 Sysmiss 12 Product..... Borrowed money from family/friends that you had to pay back 3989 11 -9 Missing Data 0 1 Yes 699 2 No 3290 Sysmiss 11 Product..... Got money from family/friends that you did not have to pay back 3990 10 -9 Missing Data 0 1 Yes 260 2 No 3730 Sysmiss 10 Product..... Borrowed money from savings club (eg Chilimba, ROSCA, ASCA) 3990 10 -9 Missing Data 0 1 Yes 60 2 No 3930 Sysmiss 10 Product..... Borrowed money from a money lender (Kaloba, shylock) 3990 10 -9 Missing Data 0 1 Yes 108 2 No 3882 Sysmiss 10 Product..... Borrowed goods from a farmer/someone else to sell (marketeering) 3990 10 -9 Missing Data 0 1 Yes 32 2 No 3958 Sysmiss 10 Product..... Borrowed money/got goods in advance from an agricultural buyer 3990 10 -9 Missing Data 0 1 Yes 34 2 No 3956 Sysmiss 10 Product..... Borrowed money/got goods in advance from a farmers organisation 3990 10 -9 Missing Data 0 1 Yes 11 2 No 3979 Sysmiss 10 Product..... Borrowed money from a church or other community based organisation 3990 10 -9 Missing Data 0 1 Yes 18 2 No 3972 Sysmiss 10 Product..... Borrowed money from a church or other community based organisation that you belong to Product..... Got goods in advance from a shop/store and had to pay back later 3990 10 -9 Missing Data 0 1 Yes 176 2 No 3814 Sysmiss 10 Product..... Did you borrow money or get goods in advance from any other source 3989 11 -9 Missing Data 0 1 Yes 26 2 No 3962 3 1 Sysmiss 11 Product..... Did you borrow money or get goods in advance from any other source that I have not mentioned? From whom/where? First Institution..... Borrowed money from a bank 72 3928 -9 Missing Data 7 1 Access Bank 2 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 13 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 6 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 1 12 Intermarket Banking Corporation 1 13 Investrust Bank 0 14 Stanbic Bank 4 15 Standard Chartered Bank 1 16 17 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 2 20 National Savings and Credit Bank (Natsave) 14 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 1 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 1 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 2 Sysmiss 3928 First Institution..... Borrowed money from another financial institution (eg Mic 91 3909 -9 Missing Data 5 1 Access Bank 1 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 2 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 1 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 1 15 Standard Chartered Bank 1 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 33 25 Blue Financial Services 9 26 Cetzam Opportunity Microfinance Ltd. 1 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 2 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 1 34 Microfin Africa Zambia Ltd 23 35 Nedfin 3 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 8 Sysmiss 3909 First Institution..... Borrowed money from another financial institution (eg Microfinance institution, Savings and Credit Co-op (SACCO)) First Institution..... Got a loan from the Government Scheme/Institution 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Borrowed money from your employer 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Borrowed money from family/friends that you had to pay ba 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Borrowed money from family/friends that you had to pay back First Institution..... Got money from family/friends that you did not have to pa 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Got money from family/friends that you did not have to pay back First Institution..... Borrowed money from savings club (eg Chilimba, ROSCA, ASC 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Borrowed money from savings club (eg Chilimba, ROSCA, ASCA) First Institution..... Borrowed money from a money lender (Kaloba, shylock) 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Borrowed goods from a farmer/someone else to sell (market 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Borrowed goods from a farmer/someone else to sell (marketeering) First Institution..... Borrowed money/got goods in advance from an agricultural 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Borrowed money/got goods in advance from an agricultural buyer First Institution..... Borrowed money/got goods in advance from a farmers organi 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Borrowed money/got goods in advance from a farmers organisation First Institution..... Borrowed money from a church or other community based org 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Borrowed money from a church or other community based organisation that you belong to First Institution..... Got goods in advance from a shop/store and had to pay bac 0 4000 -9 Missing Data 0 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 4000 First Institution..... Got goods in advance from a shop/store and had to pay back later First Institution..... Did you borrow money or get goods in advance from any oth 20 3980 -9 Missing Data 5 0 1 1 Access Bank 0 2 African Banking Corporation (ABC) 2 3 Bank of China 0 4 Barclays Bank 1 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 11 Sysmiss 3980 First Institution..... Did you borrow money or get goods in advance from any other source that I have not mentioned? From whom/where? S8Q3.1: Why have you not borrowed money? 2779 1221 -9 Missing Data 0 1 Fear of debts 1474 2 I can pay my living expenses with what I have 279 3 I am worried that I would not be able to pay back the money 420 4 Interest charged on borrowed money is too high 20 5 I do not know where to borrow money 25 6 I do not want to become a defaulter or be known as a defaulter 41 7 I do not know how to apply for a loan 3 8 I do not believe in borrowing money 37 9 I do not have assets to give as security or collateral 9 10 I do not have a credit record 17 11 I do not have an ID document or salary slip 3 12 I do not trust banks or other lenders 0 13 I do not want to borrow from moneylenders 11 14 Borrowing money is shameful or embarrassing to me 15 15 I am not allowed to borrow money by spouse, by family or other 157 16 I tried, but have been refused 5 17 Had no one to borrow from 37 18 Other specify 98 19 No specific reason 102 20 Does not know 26 Sysmiss 1221 S8Q3.2: Why have you not borrowed money? 975 3025 -9 Missing Data 0 1 Fear of debts 1 2 I can pay my living expenses with what I have 132 3 I am worried that I would not be able to pay back the money 429 4 Interest charged on borrowed money is too high 38 5 I do not know where to borrow money 19 6 I do not want to become a defaulter or be known as a defaulter 43 7 I do not know how to apply for a loan 7 8 I do not believe in borrowing money 47 9 I do not have assets to give as security or collateral 15 10 I do not have a credit record 17 11 I do not have an ID document or salary slip 3 12 I do not trust banks or other lenders 4 13 I do not want to borrow from moneylenders 16 14 Borrowing money is shameful or embarrassing to me 54 15 I am not allowed to borrow money by spouse, by family or other 78 16 I tried, but have been refused 2 17 Had no one to borrow from 23 18 Other specify 32 19 No specific reason 13 20 Does not know 2 Sysmiss 3025 S8Q3.3: Why have you not borrowed money? 214 3786 -9 Missing Data 0 1 Fear of debts 0 2 I can pay my living expenses with what I have 0 3 I am worried that I would not be able to pay back the money 25 4 Interest charged on borrowed money is too high 23 5 I do not know where to borrow money 2 6 I do not want to become a defaulter or be known as a defaulter 33 7 I do not know how to apply for a loan 1 8 I do not believe in borrowing money 19 9 I do not have assets to give as security or collateral 7 10 I do not have a credit record 2 11 I do not have an ID document or salary slip 4 12 I do not trust banks or other lenders 2 13 I do not want to borrow from moneylenders 13 14 Borrowing money is shameful or embarrassing to me 30 15 I am not allowed to borrow money by spouse, by family or other 31 16 I tried, but have been refused 5 17 Had no one to borrow from 7 18 Other specify 10 19 No specific reason 0 20 Does not know 0 Sysmiss 3786 S8Q3.4: Why have you not borrowed money? 23 3977 -9 Missing Data 0 1 Fear of debts 0 2 I can pay my living expenses with what I have 0 3 I am worried that I would not be able to pay back the money 0 4 Interest charged on borrowed money is too high 6 5 I do not know where to borrow money 0 6 I do not want to become a defaulter or be known as a defaulter 3 7 I do not know how to apply for a loan 0 8 I do not believe in borrowing money 1 9 I do not have assets to give as security or collateral 1 10 I do not have a credit record 1 11 I do not have an ID document or salary slip 0 12 I do not trust banks or other lenders 0 13 I do not want to borrow from moneylenders 0 14 Borrowing money is shameful or embarrassing to me 4 15 I am not allowed to borrow money by spouse, by family or other 2 16 I tried, but have been refused 1 17 Had no one to borrow from 1 18 Other specify 1 19 No specific reason 2 20 Does not know 0 Sysmiss 3977 S8Q3.5: Why have you not borrowed money? 6 3994 -9 Missing Data 0 1 Fear of debts 0 2 I can pay my living expenses with what I have 0 3 I am worried that I would not be able to pay back the money 0 4 Interest charged on borrowed money is too high 0 5 I do not know where to borrow money 3 6 I do not want to become a defaulter or be known as a defaulter 1 7 I do not know how to apply for a loan 0 8 I do not believe in borrowing money 1 9 I do not have assets to give as security or collateral 0 10 I do not have a credit record 0 11 I do not have an ID document or salary slip 0 12 I do not trust banks or other lenders 0 13 I do not want to borrow from moneylenders 0 14 Borrowing money is shameful or embarrassing to me 1 15 I am not allowed to borrow money by spouse, by family or other 0 16 I tried, but have been refused 0 17 Had no one to borrow from 0 18 Other specify 0 19 No specific reason 0 20 Does not know 0 Sysmiss 3994 S8Q3.6: Why have you not borrowed money? 2 3998 -9 Missing Data 0 1 Fear of debts 0 2 I can pay my living expenses with what I have 0 3 I am worried that I would not be able to pay back the money 0 4 Interest charged on borrowed money is too high 0 5 I do not know where to borrow money 0 6 I do not want to become a defaulter or be known as a defaulter 1 7 I do not know how to apply for a loan 0 8 I do not believe in borrowing money 1 9 I do not have assets to give as security or collateral 0 10 I do not have a credit record 0 11 I do not have an ID document or salary slip 0 12 I do not trust banks or other lenders 0 13 I do not want to borrow from moneylenders 0 14 Borrowing money is shameful or embarrassing to me 0 15 I am not allowed to borrow money by spouse, by family or other 0 16 I tried, but have been refused 0 17 Had no one to borrow from 0 18 Other specify 0 19 No specific reason 0 20 Does not know 0 Sysmiss 3998 S8Q3.7: Why have you not borrowed money? 2 3998 -9 Missing Data 0 1 Fear of debts 0 2 I can pay my living expenses with what I have 0 3 I am worried that I would not be able to pay back the money 0 4 Interest charged on borrowed money is too high 0 5 I do not know where to borrow money 0 6 I do not want to become a defaulter or be known as a defaulter 0 7 I do not know how to apply for a loan 1 8 I do not believe in borrowing money 0 9 I do not have assets to give as security or collateral 1 10 I do not have a credit record 0 11 I do not have an ID document or salary slip 0 12 I do not trust banks or other lenders 0 13 I do not want to borrow from moneylenders 0 14 Borrowing money is shameful or embarrassing to me 0 15 I am not allowed to borrow money by spouse, by family or other 0 16 I tried, but have been refused 0 17 Had no one to borrow from 0 18 Other specify 0 19 No specific reason 0 20 Does not know 0 Sysmiss 3998 S8Q3.8: Why have you not borrowed money? 1 3999 -9 Missing Data 0 1 Fear of debts 0 2 I can pay my living expenses with what I have 0 3 I am worried that I would not be able to pay back the money 0 4 Interest charged on borrowed money is too high 0 5 I do not know where to borrow money 0 6 I do not want to become a defaulter or be known as a defaulter 0 7 I do not know how to apply for a loan 0 8 I do not believe in borrowing money 0 9 I do not have assets to give as security or collateral 0 10 I do not have a credit record 1 11 I do not have an ID document or salary slip 0 12 I do not trust banks or other lenders 0 13 I do not want to borrow from moneylenders 0 14 Borrowing money is shameful or embarrassing to me 0 15 I am not allowed to borrow money by spouse, by family or other 0 16 I tried, but have been refused 0 17 Had no one to borrow from 0 18 Other specify 0 19 No specific reason 0 20 Does not know 0 Sysmiss 3999 S8Q3.9: Why have you not borrowed money? 1 3999 -9 Missing Data 0 1 Fear of debts 0 2 I can pay my living expenses with what I have 0 3 I am worried that I would not be able to pay back the money 0 4 Interest charged on borrowed money is too high 0 5 I do not know where to borrow money 0 6 I do not want to become a defaulter or be known as a defaulter 0 7 I do not know how to apply for a loan 0 8 I do not believe in borrowing money 0 9 I do not have assets to give as security or collateral 0 10 I do not have a credit record 0 11 I do not have an ID document or salary slip 0 12 I do not trust banks or other lenders 0 13 I do not want to borrow from moneylenders 0 14 Borrowing money is shameful or embarrassing to me 1 15 I am not allowed to borrow money by spouse, by family or other 0 16 I tried, but have been refused 0 17 Had no one to borrow from 0 18 Other specify 0 19 No specific reason 0 20 Does not know 0 Sysmiss 3999 S8Q3.10: Why have you not borrowed money? 1 3999 -9 Missing Data 0 1 Fear of debts 0 2 I can pay my living expenses with what I have 0 3 I am worried that I would not be able to pay back the money 0 4 Interest charged on borrowed money is too high 0 5 I do not know where to borrow money 0 6 I do not want to become a defaulter or be known as a defaulter 0 7 I do not know how to apply for a loan 0 8 I do not believe in borrowing money 0 9 I do not have assets to give as security or collateral 0 10 I do not have a credit record 0 11 I do not have an ID document or salary slip 0 12 I do not trust banks or other lenders 0 13 I do not want to borrow from moneylenders 0 14 Borrowing money is shameful or embarrassing to me 0 15 I am not allowed to borrow money by spouse, by family or other 1 16 I tried, but have been refused 0 17 Had no one to borrow from 0 18 Other specify 0 19 No specific reason 0 20 Does not know 0 Sysmiss 3999 How did you have to pay the money?...... Medical expenses/medical emergencies 170 3830 -9 Missing Data 1 1 In cash/in bank account 143 2 In kind 19 3 Didn't have to pay back 7 Sysmiss 3830 How did you have to pay the money?...... An emergency other than medical 165 3835 -9 Missing Data 1 1 In cash/in bank account 132 2 In kind 27 3 Didn't have to pay back 5 Sysmiss 3835 How did you have to pay the money?...... A wedding or lobola 20 3980 -9 Missing Data 0 1 In cash/in bank account 7 2 In kind 12 3 Didn't have to pay back 1 Sysmiss 3980 How did you have to pay the money?...... Funeral expenses 51 3949 -9 Missing Data 0 1 In cash/in bank account 37 2 In kind 13 3 Didn't have to pay back 1 Sysmiss 3949 How did you have to pay the money?...... Education or school fees (self or other 170 3830 -9 Missing Data 0 1 In cash/in bank account 149 2 In kind 13 3 Didn't have to pay back 8 Sysmiss 3830 How did you have to pay the money?...... Education or school fees (self or others) How did you have to pay the money?...... Living expenses when you did not have m 434 3566 -9 Missing Data 3 1 In cash/in bank account 376 2 In kind 29 3 Didn't have to pay back 26 Sysmiss 3566 How did you have to pay the money?...... Living expenses when you did not have money How did you have to pay the money?...... To pay water/electricity/telephone bill 21 3979 -9 Missing Data 0 1 In cash/in bank account 8 2 In kind 12 3 Didn't have to pay back 1 Sysmiss 3979 How did you have to pay the money?...... To pay water/electricity/telephone bills How did you have to pay the money?...... Farming expenses such as seeds, fertili 150 3850 -9 Missing Data 0 1 In cash/in bank account 109 2 In kind 36 3 Didn't have to pay back 5 Sysmiss 3850 How did you have to pay the money?...... Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats How did you have to pay the money?...... To buy household goods such as fridge, 61 3939 -9 Missing Data 0 1 In cash/in bank account 42 2 In kind 18 3 Didn't have to pay back 1 Sysmiss 3939 How did you have to pay the money?...... To buy household goods such as fridge, stove, etc How did you have to pay the money?...... Paying off another debt 23 3977 -9 Missing Data 0 1 In cash/in bank account 9 2 In kind 12 3 Didn't have to pay back 2 Sysmiss 3977 How did you have to pay the money?...... Buying land 23 3977 -9 Missing Data 0 1 In cash/in bank account 8 2 In kind 13 3 Didn't have to pay back 2 Sysmiss 3977 How did you have to pay the money?...... Buying or building a dwelling for you t 37 3963 -9 Missing Data 0 1 In cash/in bank account 25 2 In kind 10 3 Didn't have to pay back 2 Sysmiss 3963 How did you have to pay the money?...... Buying or building a dwelling for you to live in How did you have to pay the money?...... Buying a dwelling or land to rent out 14 3986 -9 Missing Data 0 1 In cash/in bank account 1 2 In kind 12 3 Didn't have to pay back 1 Sysmiss 3986 How did you have to pay the money?...... Improving or renovating your dwelling 31 3969 -9 Missing Data 0 1 In cash/in bank account 14 2 In kind 15 3 Didn't have to pay back 2 Sysmiss 3969 How did you have to pay the money?...... Buying household appliances, goods or f 35 3965 -9 Missing Data 0 1 In cash/in bank account 13 2 In kind 20 3 Didn't have to pay back 2 Sysmiss 3965 How did you have to pay the money?...... Buying household appliances, goods or furniture How did you have to pay the money?...... Buying livestock 16 3984 -9 Missing Data 0 1 In cash/in bank account 3 2 In kind 12 3 Didn't have to pay back 1 Sysmiss 3984 How did you have to pay the money?...... Buying farming equipment or implements 22 3978 -9 Missing Data 0 1 In cash/in bank account 7 2 In kind 14 3 Didn't have to pay back 1 Sysmiss 3978 How did you have to pay the money?...... Buying farming equipment or implements How did you have to pay the money?...... Buying a bicycle, motorcycle, car, truc 20 3980 -9 Missing Data 0 1 In cash/in bank account 6 2 In kind 13 3 Didn't have to pay back 1 Sysmiss 3980 How did you have to pay the money?...... Buying a bicycle, motorcycle, car, truck or other transport How did you have to pay the money?...... Starting or expanding your business 93 3907 -9 Missing Data 1 1 In cash/in bank account 77 2 In kind 13 3 Didn't have to pay back 2 Sysmiss 3907 How did you have to pay the money?...... Putting money or goods into someone els 17 3983 -9 Missing Data 0 1 In cash/in bank account 4 2 In kind 11 3 Didn't have to pay back 2 Sysmiss 3983 How did you have to pay the money?...... Putting money or goods into someone elses business How did you have to pay the money?...... To take care of a sick relative/relativ 52 3948 -9 Missing Data 0 1 In cash/in bank account 34 2 In kind 12 3 Didn't have to pay back 6 Sysmiss 3948 How did you have to pay the money?...... To take care of a sick relative/relatives How did you have to pay the money?...... For another person to use 46 3954 -9 Missing Data 0 1 In cash/in bank account 23 2 In kind 18 3 Didn't have to pay back 5 Sysmiss 3954 How did you have to pay the money?...... Other specify 91 3909 -9 Missing Data 0 1 In cash/in bank account 71 2 In kind 12 3 Didn't have to pay back 8 Sysmiss 3909 S8Q4B.24: How did you have to pay the money? 1 3999 -9 Missing Data 0 1 In cash/in bank account 0 2 In kind 1 3 Didn't have to pay back 0 Sysmiss 3999 How many months...?... Medical expenses/medical emergencies 156 3844 -9 Missing Data 5 1 1 month 69 2 Betw 1 & 3 months 46 3 3-6 months 27 4 Betw 6 & 12 months 7 5 12 months or more 2 Sysmiss 3844 How many months...?... An emergency other than medical 152 3848 -9 Missing Data 3 1 1 month 81 2 Betw 1 & 3 months 47 3 3-6 months 12 4 Betw 6 & 12 months 4 5 12 months or more 5 Sysmiss 3848 How many months...?... A wedding or lobola 8 3992 -9 Missing Data 1 1 1 month 2 2 Betw 1 & 3 months 2 3 3-6 months 1 4 Betw 6 & 12 months 1 5 12 months or more 1 Sysmiss 3992 How many months...?... Funeral expenses 39 3961 -9 Missing Data 1 1 1 month 13 2 Betw 1 & 3 months 11 3 3-6 months 6 4 Betw 6 & 12 months 4 5 12 months or more 4 Sysmiss 3961 How many months...?... Education or school fees (self or others) 159 3841 -9 Missing Data 6 1 1 month 60 2 Betw 1 & 3 months 51 3 3-6 months 16 4 Betw 6 & 12 months 15 5 12 months or more 11 Sysmiss 3841 How many months...?... Living expenses when you did not have money 412 3588 -9 Missing Data 12 1 1 month 240 2 Betw 1 & 3 months 103 3 3-6 months 44 4 Betw 6 & 12 months 7 5 12 months or more 6 Sysmiss 3588 How many months...?... To pay water/electricity/telephone bills 10 3990 -9 Missing Data 1 1 1 month 7 2 Betw 1 & 3 months 1 3 3-6 months 1 4 Betw 6 & 12 months 0 5 12 months or more 0 Sysmiss 3990 How many months...?... Farming expenses such as seeds, fertiliser or land prepar 139 3861 -9 Missing Data 3 1 1 month 38 2 Betw 1 & 3 months 34 3 3-6 months 26 4 Betw 6 & 12 months 24 5 12 months or more 14 Sysmiss 3861 How many months...?... Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats How many months...?... To buy household goods such as fridge, stove, etc 49 3951 -9 Missing Data 2 1 1 month 11 2 Betw 1 & 3 months 17 3 3-6 months 6 4 Betw 6 & 12 months 7 5 12 months or more 6 Sysmiss 3951 How many months...?... Paying off another debt 11 3989 -9 Missing Data 1 1 1 month 7 2 Betw 1 & 3 months 1 3 3-6 months 1 4 Betw 6 & 12 months 0 5 12 months or more 1 Sysmiss 3989 How many months...?... Buying land 11 3989 -9 Missing Data 2 1 1 month 0 2 Betw 1 & 3 months 1 3 3-6 months 1 4 Betw 6 & 12 months 1 5 12 months or more 6 Sysmiss 3989 How many months...?... Buying or building a dwelling for you to live in 27 3973 -9 Missing Data 2 1 1 month 4 2 Betw 1 & 3 months 1 3 3-6 months 4 4 Betw 6 & 12 months 6 5 12 months or more 10 Sysmiss 3973 How many months...?... Buying a dwelling or land to rent out 2 3998 -9 Missing Data 1 1 1 month 0 2 Betw 1 & 3 months 0 3 3-6 months 0 4 Betw 6 & 12 months 0 5 12 months or more 1 Sysmiss 3998 How many months...?... Improving or renovating your dwelling 19 3981 -9 Missing Data 1 1 1 month 4 2 Betw 1 & 3 months 6 3 3-6 months 4 4 Betw 6 & 12 months 0 5 12 months or more 4 Sysmiss 3981 How many months...?... Buying household appliances, goods or furniture 23 3977 -9 Missing Data 2 1 1 month 9 2 Betw 1 & 3 months 6 3 3-6 months 2 4 Betw 6 & 12 months 2 5 12 months or more 2 Sysmiss 3977 How many months...?... Buying livestock 4 3996 -9 Missing Data 1 1 1 month 1 2 Betw 1 & 3 months 1 3 3-6 months 0 4 Betw 6 & 12 months 0 5 12 months or more 1 Sysmiss 3996 How many months...?... Buying farming equipment or implements 10 3990 -9 Missing Data 1 1 1 month 3 2 Betw 1 & 3 months 4 3 3-6 months 1 4 Betw 6 & 12 months 0 5 12 months or more 1 Sysmiss 3990 How many months...?... Buying a bicycle, motorcycle, car, truck or other transpo 8 3992 -9 Missing Data 1 1 1 month 1 2 Betw 1 & 3 months 3 3 3-6 months 1 4 Betw 6 & 12 months 0 5 12 months or more 2 Sysmiss 3992 How many months...?... Buying a bicycle, motorcycle, car, truck or other transport How many months...?... Starting or expanding your business 82 3918 -9 Missing Data 3 1 1 month 40 2 Betw 1 & 3 months 19 3 3-6 months 11 4 Betw 6 & 12 months 6 5 12 months or more 3 Sysmiss 3918 How many months...?... Putting money or goods into someone elses business 8 3992 -9 Missing Data 2 1 1 month 2 2 Betw 1 & 3 months 1 3 3-6 months 2 4 Betw 6 & 12 months 0 5 12 months or more 1 Sysmiss 3992 How many months...?... To take care of a sick relative/relatives 39 3961 -9 Missing Data 5 1 1 month 16 2 Betw 1 & 3 months 15 3 3-6 months 2 4 Betw 6 & 12 months 0 5 12 months or more 1 Sysmiss 3961 How many months...?... For another person to use 31 3969 -9 Missing Data 3 1 1 month 18 2 Betw 1 & 3 months 7 3 3-6 months 2 4 Betw 6 & 12 months 0 5 12 months or more 1 Sysmiss 3969 How many months...?... Other specify 83 3917 -9 Missing Data 4 1 1 month 45 2 Betw 1 & 3 months 22 3 3-6 months 6 4 Betw 6 & 12 months 4 5 12 months or more 2 Sysmiss 3917 S8Q4C.24: How many months...? 0 4000 -9 Missing Data 0 1 1 month 0 2 Betw 1 & 3 months 0 3 3-6 months 0 4 Betw 6 & 12 months 0 5 12 months or more 0 Sysmiss 4000 S8Q4EA.1: Why did you miss a payment? 196 3804 -9 Missing Data 6 1 The provider of the loan did not contact me to receive payment, so I decided not to pay 2 2 I had unexpected expenses and could not pay 47 3 I did not think I needed to pay the loan back at this time 0 4 I forgot to pay 2 5 I thought I would try and see if the provider of the loan would forget 0 6 I could not get transport 0 7 My employer did not give me my salary 3 8 People/institution I supply goods to did not pay me 0 9 I was sick 3 10 I lost my job 1 11 I lost my crop/harvest 2 12 I lost livestock 1 13 I was looking after a family member who was sick 3 14 I did not have the money 114 15 Other specify 12 16 Refused 0 Sysmiss 3804 S8Q4EA.2: Why did you miss a payment? 26 3974 -9 Missing Data 0 1 The provider of the loan did not contact me to receive payment, so I decided not to pay 0 2 I had unexpected expenses and could not pay 0 3 I did not think I needed to pay the loan back at this time 1 4 I forgot to pay 0 5 I thought I would try and see if the provider of the loan would forget 0 6 I could not get transport 0 7 My employer did not give me my salary 1 8 People/institution I supply goods to did not pay me 0 9 I was sick 2 10 I lost my job 0 11 I lost my crop/harvest 3 12 I lost livestock 0 13 I was looking after a family member who was sick 1 14 I did not have the money 17 15 Other specify 1 16 Refused 0 Sysmiss 3974 S8Q4EA.3: Why did you miss a payment? 2 3998 -9 Missing Data 0 1 The provider of the loan did not contact me to receive payment, so I decided not to pay 0 2 I had unexpected expenses and could not pay 0 3 I did not think I needed to pay the loan back at this time 0 4 I forgot to pay 0 5 I thought I would try and see if the provider of the loan would forget 0 6 I could not get transport 0 7 My employer did not give me my salary 0 8 People/institution I supply goods to did not pay me 0 9 I was sick 0 10 I lost my job 0 11 I lost my crop/harvest 0 12 I lost livestock 0 13 I was looking after a family member who was sick 1 14 I did not have the money 1 15 Other specify 0 16 Refused 0 Sysmiss 3998 S8Q4EA.4: Why did you miss a payment? 1 3999 -9 Missing Data 0 1 The provider of the loan did not contact me to receive payment, so I decided not to pay 0 2 I had unexpected expenses and could not pay 0 3 I did not think I needed to pay the loan back at this time 0 4 I forgot to pay 0 5 I thought I would try and see if the provider of the loan would forget 0 6 I could not get transport 0 7 My employer did not give me my salary 0 8 People/institution I supply goods to did not pay me 0 9 I was sick 0 10 I lost my job 0 11 I lost my crop/harvest 0 12 I lost livestock 0 13 I was looking after a family member who was sick 0 14 I did not have the money 0 15 Other specify 1 16 Refused 0 Sysmiss 3999 S8Q4F.1: What happens if you were to die before the money...repaid? 1260 2740 -9 Missing Data 9 1 I don't have any debt outstanding 397 2 I have insurance that will cover the loan 23 3 My family will have to take care of it 652 4 My debt gets cleared 45 5 Other specify 40 6 I don't know 91 7 Not applicable 2 14 1 Sysmiss 2740 S8Q4F.2: What happens if you were to die before the money...repaid? 43 3957 -9 Missing Data 0 1 I don't have any debt outstanding 0 2 I have insurance that will cover the loan 0 3 My family will have to take care of it 26 4 My debt gets cleared 14 5 Other specify 1 6 I don't know 2 7 Not applicable 0 Sysmiss 3957 S8Q4F.3: What happens if you were to die before the money...repaid? 1 3999 -9 Missing Data 0 1 I don't have any debt outstanding 0 2 I have insurance that will cover the loan 0 3 My family will have to take care of it 0 4 My debt gets cleared 1 5 Other specify 0 6 I don't know 0 7 Not applicable 0 Sysmiss 3999 S8Q5.1: If you want to borrow money what are things.....to borrow? 3992 8 -9 Missing Data 23 1 Location 1039 2 Quick access to money 1408 3 Easy of application process 204 4 Collateral/security/guarantees not required 117 5 No credit history needed 101 6 Proof of employment not required 15 7 No down payment 81 8 Affordable monthly payments 306 9 Low interest rates 216 10 Other specify 482 Sysmiss 8 S8Q5.2: If you want to borrow money what are things.....to borrow? 1779 2221 -9 Missing Data 0 0 1 1 Location 0 2 Quick access to money 454 3 Easy of application process 227 4 Collateral/security/guarantees not required 68 5 No credit history needed 28 6 Proof of employment not required 53 7 No down payment 144 8 Affordable monthly payments 385 9 Low interest rates 394 10 Other specify 25 Sysmiss 2221 S8Q5.3: If you want to borrow money what are things.....to borrow? 581 3419 -9 Missing Data 0 1 Location 1 2 Quick access to money 0 3 Easy of application process 77 4 Collateral/security/guarantees not required 34 5 No credit history needed 7 6 Proof of employment not required 19 7 No down payment 38 8 Affordable monthly payments 167 9 Low interest rates 232 10 Other specify 6 Sysmiss 3419 S8Q5.4: If you want to borrow money what are things.....to borrow? 111 3889 -9 Missing Data 0 1 Location 0 2 Quick access to money 0 3 Easy of application process 0 4 Collateral/security/guarantees not required 8 5 No credit history needed 4 6 Proof of employment not required 7 7 No down payment 10 8 Affordable monthly payments 25 9 Low interest rates 54 10 Other specify 3 Sysmiss 3889 S8Q5.5: If you want to borrow money what are things.....to borrow? 32 3968 -9 Missing Data 0 1 Location 0 2 Quick access to money 0 3 Easy of application process 0 4 Collateral/security/guarantees not required 0 5 No credit history needed 0 6 Proof of employment not required 3 7 No down payment 3 8 Affordable monthly payments 5 9 Low interest rates 21 10 Other specify 0 Sysmiss 3968 S8Q5.6: If you want to borrow money what are things.....to borrow? 3 3997 -9 Missing Data 0 1 Location 0 2 Quick access to money 0 3 Easy of application process 0 4 Collateral/security/guarantees not required 0 5 No credit history needed 0 6 Proof of employment not required 0 7 No down payment 1 8 Affordable monthly payments 0 9 Low interest rates 2 10 Other specify 0 Sysmiss 3997 S8Q5.7: If you want to borrow money what are things.....to borrow? 1 3999 -9 Missing Data 0 1 Location 0 2 Quick access to money 0 3 Easy of application process 0 4 Collateral/security/guarantees not required 0 5 No credit history needed 0 6 Proof of employment not required 0 7 No down payment 0 8 Affordable monthly payments 1 9 Low interest rates 0 10 Other specify 0 Sysmiss 3999 S8Q5.8: If you want to borrow money what are things.....to borrow? 1 3999 -9 Missing Data 0 1 Location 0 2 Quick access to money 0 3 Easy of application process 0 4 Collateral/security/guarantees not required 0 5 No credit history needed 0 6 Proof of employment not required 0 7 No down payment 0 8 Affordable monthly payments 0 9 Low interest rates 1 10 Other specify 0 Sysmiss 3999 149 3851 -9 Missing Data 4 1 I did not have a down payment 9 2 I did not have a bank account 8 3 I did not have a credit history/references 5 4 I do not have an identity document 0 5 I do not have proof of a permanent address 2 6 I don't have a pay slip 12 7 My income is too low 42 8 I do not have formal employment 15 9 I have too many other debts 3 10 Cannot provide security/collateral 12 11 Don't know 26 12 Other specify 11 Sysmiss 3851 28 3972 -9 Missing Data 0 1 I did not have a down payment 0 2 I did not have a bank account 0 3 I did not have a credit history/references 2 4 I do not have an identity document 1 5 I do not have proof of a permanent address 0 6 I don't have a pay slip 2 7 My income is too low 3 8 I do not have formal employment 4 9 I have too many other debts 3 10 Cannot provide security/collateral 7 11 Don't know 2 12 Other specify 4 Sysmiss 3972 3 3997 -9 Missing Data 0 1 I did not have a down payment 0 2 I did not have a bank account 0 3 I did not have a credit history/references 0 4 I do not have an identity document 0 5 I do not have proof of a permanent address 0 6 I don't have a pay slip 0 7 My income is too low 0 8 I do not have formal employment 1 9 I have too many other debts 0 10 Cannot provide security/collateral 2 11 Don't know 0 12 Other specify 0 Sysmiss 3997 Do you have any other type of account I have not mentioned? 4000 0 -9 Missing Data 10 1 Yes 31 2 No 3959 4000 0 -9 Missing Data 5 1 Yes 404 2 No 3591 9.2.2. is this Acount(s) 411 3589 -9 Missing Data 5 1 In your name 389 2 In your name and your spouse/patnener names jointly 17 3 In your name and someone else'name jointly 0 4 A group account through a farmers association/ community organisation 0 5 other specify 0 Sysmiss 3589 9.2.3 Are you using someone else's bank account 4000 0 -9 Missing Data 9 1 Yes 67 2 No 3924 If you are not employed in the formal sector you cannot open a bank account 3987 13 -9 Missing Data 0 1 True 478 2 Not true 2221 3 Don't know 1091 4 Not applicable 197 Sysmiss 13 If you don't understand technology you cant get a bank account 3985 15 -9 Missing Data 0 1 True 502 2 Not true 2042 3 Don't know 1233 4 Not applicable 208 Sysmiss 15 Having a bank account makes it easier to get credit 3982 18 -9 Missing Data 0 1 True 1638 2 Not true 529 3 Don't know 1568 4 Not applicable 247 Sysmiss 18 You can easily live your life without a bank account 3983 17 -9 Missing Data 0 1 True 2741 2 Not true 340 3 Don't know 617 4 Not applicable 285 Sysmiss 17 When you receive your bank statement you check the details 3981 19 -9 Missing Data 0 1 True 554 2 Not true 238 3 Don't know 689 4 Not applicable 2500 Sysmiss 19 You would change your bank account if another bank offers better products 3982 18 -9 Missing Data 0 1 True 595 2 Not true 384 3 Don't know 736 4 Not applicable 2267 Sysmiss 18 You always look around where you can find the best interest rates 3982 18 -9 Missing Data 0 1 True 410 2 Not true 804 3 Don't know 669 4 Not applicable 2099 Sysmiss 18 Most services from banks are also offered elsewhere 3982 18 -9 Missing Data 0 1 True 685 2 Not true 445 3 Don't know 1936 4 Not applicable 916 Sysmiss 18 Banks try to understand your needs and offer products that meet them 3981 19 -9 Missing Data 0 1 True 753 2 Not true 466 3 Don't know 1427 4 Not applicable 1335 Sysmiss 19 You trust banks with your money 3982 18 -9 Missing Data 0 1 True 1191 2 Not true 474 3 Don't know 696 4 Not applicable 1621 Sysmiss 18 Third Institution 15 3985 -9 Missing Data 5 0 1 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 1 4 Barclays Bank 6 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 1 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3985 9.2 Product status.... ATM / Cashpoint Card 3999 1 -9 Missing Data 5 1 Have and use 293 2 Have but don't use 15 3 Had in the past but not now 34 4 Never 3652 Sysmiss 1 9.2 Product status.... Debit Card / Connect Card 3972 28 -9 Missing Data 4 1 Have and use 12 2 Have but don't use 20 3 Had in the past but not now 25 4 Never 3911 Sysmiss 28 9.2 Product status.... Current/Cheque Account 3989 11 -9 Missing Data 2 1 Have and use 38 2 Have but don't use 14 3 Had in the past but not now 40 4 Never 3895 Sysmiss 11 9.2 Product status.... Savings Account 3992 8 -9 Missing Data 2 1 Have and use 401 2 Have but don't use 9 3 Had in the past but not now 109 4 Never 3471 Sysmiss 8 9.2 Product status.... Fixed Deposit Account 3966 34 -9 Missing Data 2 1 Have and use 18 2 Have but don't use 14 3 Had in the past but not now 32 4 Never 3900 Sysmiss 34 9.2 Product status.... Notice Deposit Account/Call Account 3991 9 -9 Missing Data 2 1 Have and use 5 2 Have but don't use 11 3 Had in the past but not now 20 4 Never 3953 Sysmiss 9 9.2 Product status.... Visa Electron Account 3994 6 -9 Missing Data 2 1 Have and use 54 2 Have but don't use 7 3 Had in the past but not now 19 4 Never 3912 Sysmiss 6 9.2 Product status.... Unit Trust Account 3989 11 -9 Missing Data 2 1 Have and use 3 2 Have but don't use 10 3 Had in the past but not now 20 4 Never 3954 Sysmiss 11 9.2 Product status.... High Interest Savings Account 3994 6 -9 Missing Data 2 1 Have and use 2 2 Have but don't use 13 3 Had in the past but not now 21 4 Never 3956 Sysmiss 6 9.2 Product status.... Foreign currency account (eg Dollar account or Pound acco 3992 8 -9 Missing Data 2 1 Have and use 1 2 Have but don't use 10 3 Had in the past but not now 19 4 Never 3960 Sysmiss 8 9.2 Product status.... Foreign currency account (eg Dollar account or Pound account or Euro account or Rand account etc) 9.2 Product status.... Bank Account outside of Zambia 3994 6 -9 Missing Data 2 1 Have and use 2 2 Have but don't use 11 3 Had in the past but not now 22 4 Never 3957 Sysmiss 6 9.2 Product status.... Credit Card 3994 6 -9 Missing Data 2 1 Have and use 7 2 Have but don't use 13 3 Had in the past but not now 26 4 Never 3946 Sysmiss 6 9.2 Product status.... Bank overdraft 3993 7 -9 Missing Data 2 1 Have and use 5 2 Have but don't use 11 3 Had in the past but not now 26 4 Never 3949 Sysmiss 7 9.2 Product status.... Standing Order 3992 8 -9 Missing Data 2 1 Have and use 8 2 Have but don't use 10 3 Had in the past but not now 21 4 Never 3951 Sysmiss 8 9.2 Product status.... Loan account 3991 9 -9 Missing Data 2 1 Have and use 9 2 Have but don't use 10 3 Had in the past but not now 24 4 Never 3946 Sysmiss 9 9.2 Product status.... Internet banking 3994 6 -9 Missing Data 2 1 Have and use 3 2 Have but don't use 11 3 Had in the past but not now 19 4 Never 3959 Sysmiss 6 9.2 Product status.... Cell phone banking 3993 7 -9 Missing Data 2 1 Have and use 18 2 Have but don't use 10 3 Had in the past but not now 19 4 Never 3944 Sysmiss 7 first Institution... ATM / Cashpoint Card 245 3755 -9 Missing Data 35 1 Access Bank 1 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 61 5 Cavmont Capital Bank 0 6 Citibank 1 7 EcoBank 0 8 Finance Bank 29 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 1 11 Indo-Zambia Bank 4 12 Intermarket Banking Corporation 2 13 Investrust Bank 4 14 Stanbic Bank 11 15 Standard Chartered Bank 10 16 83 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 1 20 National Savings and Credit Bank (Natsave) 1 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 1 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3755 first Institution... Debit Card / Connect Card 18 3982 -9 Missing Data 5 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 7 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 1 16 5 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3982 first Institution... Current/Cheque Account 34 3966 -9 Missing Data 7 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 13 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 1 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 2 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 3 15 Standard Chartered Bank 1 16 6 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 1 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3966 first Institution... Savings Account 312 3688 -9 Missing Data 48 1 Access Bank 1 2 African Banking Corporation (ABC) 1 3 Bank of China 0 4 Barclays Bank 58 5 Cavmont Capital Bank 1 6 Citibank 1 7 EcoBank 0 8 Finance Bank 41 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 5 12 Intermarket Banking Corporation 1 13 Investrust Bank 3 14 Stanbic Bank 11 15 Standard Chartered Bank 9 16 99 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 9 20 National Savings and Credit Bank (Natsave) 24 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3688 first Institution... Fixed Deposit Account 20 3980 -9 Missing Data 6 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 5 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 1 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 1 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 1 15 Standard Chartered Bank 0 16 6 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3980 first Institution... Notice Deposit Account/Call Account 8 3992 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 2 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 2 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3992 first Institution... Visa Electron Account 45 3955 -9 Missing Data 11 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 9 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 1 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 2 15 Standard Chartered Bank 0 16 20 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 1 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 1 Sysmiss 3955 first Institution... Unit Trust Account 5 3995 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3995 first Institution... High Interest Savings Account 6 3994 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 1 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3994 first Institution... Foreign currency account (eg Dollar account or Pound accoun 5 3995 -9 Missing Data 3 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 1 Sysmiss 3995 first Institution... Foreign currency account (eg Dollar account or Pound account or Euro account or Rand account etc) first Institution... Bank Account outside of Zambia 4 3996 -9 Missing Data 3 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 1 Sysmiss 3996 first Institution... Credit Card 11 3989 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 2 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 1 15 Standard Chartered Bank 0 16 3 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 1 Sysmiss 3989 first Institution... Bank overdraft 7 3993 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 1 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 1 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3993 first Institution... Standing Order 7 3993 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 1 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 1 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 1 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3993 first Institution... Loan account 11 3989 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 3 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 1 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 1 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 1 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3989 first Institution... Internet banking 6 3994 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 2 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3994 first Institution... Cell phone banking 18 3982 -9 Missing Data 7 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 1 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 10 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3982 Second Institution.... ATM / Cashpoint Card 17 3983 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 3 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 1 14 Stanbic Bank 4 15 Standard Chartered Bank 0 16 5 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3983 Second Institution.... Debit Card / Connect Card 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Current/Cheque Account 3 3997 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3997 Second Institution.... Savings Account 21 3979 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 3 5 Cavmont Capital Bank 1 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 1 14 Stanbic Bank 1 15 Standard Chartered Bank 0 16 5 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 4 20 National Savings and Credit Bank (Natsave) 2 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3979 Second Institution.... Fixed Deposit Account 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Notice Deposit Account/Call Account 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Visa Electron Account 4 3996 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 2 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3996 Second Institution.... Unit Trust Account 3 3997 -9 Missing Data 2 0 1 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3997 Second Institution.... High Interest Savings Account 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Foreign currency account (eg Dollar account or Pound acco 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Foreign currency account (eg Dollar account or Pound account or Euro account or Rand account etc) Second Institution.... Bank Account outside of Zambia 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Credit Card 3 3997 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3997 Second Institution.... Bank overdraft 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Standing Order 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Loan account 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Internet banking 2 3998 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3998 Second Institution.... Cell phone banking 4 3996 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 1 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3996 S9Q2CA.1: Whose account are you using? 76 3924 -9 Missing Data 5 0 1 1 Your spouse / partner's account 37 2 Your child's account 2 3 Your parent's account 4 4 Account of another family member 15 5 Account of a neighbour/friend 5 6 Account of savings club eg Chilimba, ROSCA 1 7 Account of a community organisation/church 1 8 Other specify 5 9 Don't know 0 Sysmiss 3924 S9Q2CA.2: Whose account are you using? 1 3999 -9 Missing Data 0 1 Your spouse / partner's account 0 2 Your child's account 0 3 Your parent's account 0 4 Account of another family member 1 5 Account of a neighbour/friend 0 6 Account of savings club eg Chilimba, ROSCA 0 7 Account of a community organisation/church 0 8 Other specify 0 9 Don't know 0 Sysmiss 3999 S9Q2D.1: Reasons why people often do not have a bank account or use b 3526 474 -9 Missing Data 23 1 Does not need it - Insufficient or no money coming it to justify it 1900 2 Income coming in, but insufficient balance after expenses 676 3 Cannot maintain the minimum balance 216 4 Bank service charges are too high 54 5 Banks are too far away or transport too difficult 107 6 Banking hours are not convenient 5 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 7 8 Does not understand how banks work 62 9 Does not understand the financial language used in banks 4 10 Does not know how to apply 11 11 Does not understand benefits from having a bank account 10 12 Does not trust banks 2 13 Bank accounts are not for people like 'me' 24 14 Fears embarrassment or refusals 1 15 Banks do not provide the products or services needed 1 16 Can get services needed elsewhere in the community 2 17 Need permission of someone else to open it 11 18 Other specify 190 19 Does not know 219 20 1 Sysmiss 474 S9Q2D.2: Reasons why people often do not have a bank account or use b 941 3059 -9 Missing Data 0 1 Does not need it - Insufficient or no money coming it to justify it 0 2 Income coming in, but insufficient balance after expenses 199 3 Cannot maintain the minimum balance 248 4 Bank service charges are too high 93 5 Banks are too far away or transport too difficult 119 6 Banking hours are not convenient 3 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 15 8 Does not understand how banks work 85 9 Does not understand the financial language used in banks 11 10 Does not know how to apply 27 11 Does not understand benefits from having a bank account 25 12 Does not trust banks 5 13 Bank accounts are not for people like 'me' 45 14 Fears embarrassment or refusals 4 15 Banks do not provide the products or services needed 4 16 Can get services needed elsewhere in the community 2 17 Need permission of someone else to open it 8 18 Other specify 44 19 Does not know 4 Sysmiss 3059 S9Q2D.3: Reasons why people often do not have a bank account or use b 224 3776 -9 Missing Data 0 1 Does not need it - Insufficient or no money coming it to justify it 0 2 Income coming in, but insufficient balance after expenses 0 3 Cannot maintain the minimum balance 31 4 Bank service charges are too high 42 5 Banks are too far away or transport too difficult 24 6 Banking hours are not convenient 3 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 1 8 Does not understand how banks work 28 9 Does not understand the financial language used in banks 8 10 Does not know how to apply 21 11 Does not understand benefits from having a bank account 9 12 Does not trust banks 7 13 Bank accounts are not for people like 'me' 31 14 Fears embarrassment or refusals 6 15 Banks do not provide the products or services needed 0 16 Can get services needed elsewhere in the community 2 17 Need permission of someone else to open it 6 18 Other specify 3 19 Does not know 2 Sysmiss 3776 S9Q2D.4: Reasons why people often do not have a bank account or use b 42 3958 -9 Missing Data 0 1 Does not need it - Insufficient or no money coming it to justify it 0 2 Income coming in, but insufficient balance after expenses 0 3 Cannot maintain the minimum balance 0 4 Bank service charges are too high 5 5 Banks are too far away or transport too difficult 1 6 Banking hours are not convenient 0 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 2 8 Does not understand how banks work 5 9 Does not understand the financial language used in banks 3 10 Does not know how to apply 3 11 Does not understand benefits from having a bank account 1 12 Does not trust banks 7 13 Bank accounts are not for people like 'me' 5 14 Fears embarrassment or refusals 3 15 Banks do not provide the products or services needed 1 16 Can get services needed elsewhere in the community 0 17 Need permission of someone else to open it 5 18 Other specify 1 19 Does not know 0 Sysmiss 3958 S9Q2D.5: Reasons why people often do not have a bank account or use b 3 3997 -9 Missing Data 0 1 Does not need it - Insufficient or no money coming it to justify it 0 2 Income coming in, but insufficient balance after expenses 0 3 Cannot maintain the minimum balance 0 4 Bank service charges are too high 0 5 Banks are too far away or transport too difficult 0 6 Banking hours are not convenient 0 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 0 8 Does not understand how banks work 0 9 Does not understand the financial language used in banks 0 10 Does not know how to apply 0 11 Does not understand benefits from having a bank account 0 12 Does not trust banks 0 13 Bank accounts are not for people like 'me' 3 14 Fears embarrassment or refusals 0 15 Banks do not provide the products or services needed 0 16 Can get services needed elsewhere in the community 0 17 Need permission of someone else to open it 0 18 Other specify 0 19 Does not know 0 Sysmiss 3997 Transaction..... Cash a cheque 3992 8 -9 Missing Data 8 1 Yes 130 2 No 3854 Sysmiss 8 Transaction..... Deposit cash into a bank account 3993 7 -9 Missing Data 6 1 Yes 291 2 No 3696 Sysmiss 7 Transaction..... Deposit a cheque into bank account 3993 7 -9 Missing Data 7 1 Yes 135 2 No 3851 Sysmiss 7 Transaction..... Cash withdrawal from a bank account 3992 8 -9 Missing Data 6 1 Yes 374 2 No 3612 Sysmiss 8 Transaction..... Paid people/bills per cheque 3992 8 -9 Missing Data 8 1 Yes 37 2 No 3947 Sysmiss 8 Transaction..... Used cash point/ATM 3991 9 -9 Missing Data 7 1 Yes 210 2 No 3774 Sysmiss 9 Transaction..... Money transfers between your own bank accounts 3982 18 -9 Missing Data 6 1 Yes 55 2 No 3921 Sysmiss 18 Transaction..... Money transfer to another person's bank account 3992 8 -9 Missing Data 6 1 Yes 71 2 No 3915 Sysmiss 8 Transaction..... Received money from someone in a bank account 3993 7 -9 Missing Data 6 1 Yes 76 2 No 3911 Sysmiss 7 Transaction..... Set up a debit order 3993 7 -9 Missing Data 6 1 Yes 5 2 No 3982 Sysmiss 7 Transaction..... Set up a stop order 3993 7 -9 Missing Data 6 1 Yes 11 2 No 3976 Sysmiss 7 Transaction..... Draw a bank cheque 3993 7 -9 Missing Data 6 1 Yes 33 2 No 3954 Sysmiss 7 Transaction..... Get a bank statement 3993 7 -9 Missing Data 6 1 Yes 136 2 No 3851 Sysmiss 7 Transaction..... Internet banking transaction 3990 10 -9 Missing Data 6 1 Yes 4 2 No 3980 Sysmiss 10 Transaction..... Mobile banking transaction 3993 7 -9 Missing Data 6 1 Yes 12 2 No 3975 Sysmiss 7 Where did you do this..... Cash a cheque 133 3867 -9 Missing Data 12 1 Bank branch 117 2 atm 4 3 Both Bank branch and ATM 0 Sysmiss 3867 Where did you do this..... Deposit cash into a bank account 280 3720 -9 Missing Data 20 1 Bank branch 234 2 atm 26 3 Both Bank branch and ATM 0 Sysmiss 3720 Where did you do this..... Deposit a cheque into bank account 134 3866 -9 Missing Data 14 1 Bank branch 99 2 atm 21 3 Both Bank branch and ATM 0 Sysmiss 3866 Where did you do this..... Cash withdrawal from a bank account 359 3641 -9 Missing Data 20 1 Bank branch 204 2 atm 134 3 Both Bank branch and ATM 1 Sysmiss 3641 Where did you do this..... Paid people/bills per cheque 40 3960 -9 Missing Data 12 1 Bank branch 13 2 atm 15 3 Both Bank branch and ATM 0 Sysmiss 3960 Where did you do this..... Used cash point/ATM 154 3846 -9 Missing Data 33 1 Bank branch 60 2 atm 61 3 Both Bank branch and ATM 0 Sysmiss 3846 Where did you do this..... Money transfers between your own bank accounts 57 3943 -9 Missing Data 12 1 Bank branch 42 2 atm 3 3 Both Bank branch and ATM 0 Sysmiss 3943 Where did you do this..... Money transfer to another person's bank account 74 3926 -9 Missing Data 12 1 Bank branch 56 2 atm 6 3 Both Bank branch and ATM 0 Sysmiss 3926 Where did you do this..... Received money from someone in a bank account 78 3922 -9 Missing Data 11 1 Bank branch 59 2 atm 8 3 Both Bank branch and ATM 0 Sysmiss 3922 Where did you do this..... Set up a debit order 10 3990 -9 Missing Data 7 1 Bank branch 2 2 atm 1 3 Both Bank branch and ATM 0 Sysmiss 3990 Where did you do this..... Set up a stop order 18 3982 -9 Missing Data 7 1 Bank branch 10 2 atm 1 3 Both Bank branch and ATM 0 Sysmiss 3982 Where did you do this..... Draw a bank cheque 36 3964 -9 Missing Data 10 1 Bank branch 25 2 atm 1 3 Both Bank branch and ATM 0 Sysmiss 3964 Where did you do this..... Get a bank statement 127 3873 -9 Missing Data 21 1 Bank branch 88 2 atm 18 3 Both Bank branch and ATM 0 Sysmiss 3873 Where did you do this..... Internet banking transaction 10 3990 -9 Missing Data 6 1 Bank branch 4 2 atm 0 3 Both Bank branch and ATM 0 Sysmiss 3990 Where did you do this..... Mobile banking transaction 12 3988 -9 Missing Data 8 1 Bank branch 0 2 atm 4 3 Both Bank branch and ATM 0 Sysmiss 3988 S9Q4.1: What do you think are the advantages of using a bank account 3922 78 -9 Missing Data 41 1 Salaries can be deposited by employers 411 2 Easy way of receiving money from others 122 3 Safe way of receiving money from others 79 4 Easy way of sending money to others 22 5 Safe way of sending money to others 24 6 Money is safe from theft 1922 7 Helps you to get access to loans 85 8 You get interest on savings 126 9 Other specify 48 10 Don't know 971 11 None - no advantages 71 Sysmiss 78 S9Q4.2: What do you think are the advantages of using a bank account 1255 2745 -9 Missing Data 0 1 Salaries can be deposited by employers 0 2 Easy way of receiving money from others 128 3 Safe way of receiving money from others 66 4 Easy way of sending money to others 34 5 Safe way of sending money to others 16 6 Money is safe from theft 249 7 Helps you to get access to loans 203 8 You get interest on savings 516 9 Other specify 31 10 Don't know 10 11 None - no advantages 1 13 1 Sysmiss 2745 S9Q4.3: What do you think are the advantages of using a bank account 369 3631 -9 Missing Data 0 1 Salaries can be deposited by employers 0 2 Easy way of receiving money from others 0 3 Safe way of receiving money from others 85 4 Easy way of sending money to others 31 5 Safe way of sending money to others 9 6 Money is safe from theft 63 7 Helps you to get access to loans 42 8 You get interest on savings 129 9 Other specify 8 10 Don't know 1 11 None - no advantages 1 Sysmiss 3631 S9Q4.4: What do you think are the advantages of using a bank account 151 3849 -9 Missing Data 0 1 Salaries can be deposited by employers 0 2 Easy way of receiving money from others 0 3 Safe way of receiving money from others 0 4 Easy way of sending money to others 72 5 Safe way of sending money to others 16 6 Money is safe from theft 26 7 Helps you to get access to loans 7 8 You get interest on savings 26 9 Other specify 4 10 Don't know 0 11 None - no advantages 0 Sysmiss 3849 S9Q4.5: What do you think are the advantages of using a bank account 95 3905 -9 Missing Data 0 1 Salaries can be deposited by employers 0 2 Easy way of receiving money from others 0 3 Safe way of receiving money from others 0 4 Easy way of sending money to others 0 5 Safe way of sending money to others 64 6 Money is safe from theft 22 7 Helps you to get access to loans 5 8 You get interest on savings 4 9 Other specify 0 10 Don't know 0 11 None - no advantages 0 Sysmiss 3905 S9Q4.6: What do you think are the advantages of using a bank account 78 3922 -9 Missing Data 0 1 Salaries can be deposited by employers 0 2 Easy way of receiving money from others 0 3 Safe way of receiving money from others 0 4 Easy way of sending money to others 0 5 Safe way of sending money to others 0 6 Money is safe from theft 58 7 Helps you to get access to loans 13 8 You get interest on savings 7 9 Other specify 0 10 Don't know 0 11 None - no advantages 0 Sysmiss 3922 S9Q4.7: What do you think are the advantages of using a bank account 56 3944 -9 Missing Data 0 1 Salaries can be deposited by employers 0 2 Easy way of receiving money from others 0 3 Safe way of receiving money from others 0 4 Easy way of sending money to others 0 5 Safe way of sending money to others 0 6 Money is safe from theft 0 7 Helps you to get access to loans 46 8 You get interest on savings 9 9 Other specify 1 10 Don't know 0 11 None - no advantages 0 Sysmiss 3944 S9Q4.8: What do you think are the advantages of using a bank account 23 3977 -9 Missing Data 0 1 Salaries can be deposited by employers 0 2 Easy way of receiving money from others 0 3 Safe way of receiving money from others 0 4 Easy way of sending money to others 0 5 Safe way of sending money to others 0 6 Money is safe from theft 0 7 Helps you to get access to loans 0 8 You get interest on savings 23 9 Other specify 0 10 Don't know 0 11 None - no advantages 0 Sysmiss 3977 During the past 12 months have you used the services of micr 3997 3 -9 Missing Data 7 1 Yes 91 2 No 3899 Sysmiss 3 First Institution 92 3908 -9 Missing Data 2 1 Access Bank 0 2 African Banking Corporation (ABC) 1 3 Bank of China 0 4 Barclays Bank 1 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 2 9 First Alliance Bank 1 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 2 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 37 25 Blue Financial Services 6 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 1 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 2 34 Microfin Africa Zambia Ltd 22 35 Nedfin 3 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 12 Sysmiss 3908 Second Institution 19 3981 -9 Missing Data 4 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 1 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 3 25 Blue Financial Services 4 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 6 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 1 Sysmiss 3981 Third Institution 7 3993 -9 Missing Data 5 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 1 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 1 Sysmiss 3993 Fourth Institution 5 3995 -9 Missing Data 5 1 Access Bank 0 2 African Banking Corporation (ABC) 0 3 Bank of China 0 4 Barclays Bank 0 5 Cavmont Capital Bank 0 6 Citibank 0 7 EcoBank 0 8 Finance Bank 0 9 First Alliance Bank 0 10 FirstNational Bank (FNB) 0 11 Indo-Zambia Bank 0 12 Intermarket Banking Corporation 0 13 Investrust Bank 0 14 Stanbic Bank 0 15 Standard Chartered Bank 0 16 0 17 Finance Building Society 0 18 Pan African Building Society 0 19 Zambia National Building Society (ZNBS) 0 20 National Savings and Credit Bank (Natsave) 0 21 Africa Enterprise Trust Zambia (AETZ) 0 22 Africa Housing Fund (AHF) 0 23 Agricultural Support Programme 0 24 Bayport 0 25 Blue Financial Services 0 26 Cetzam Opportunity Microfinance Ltd. 0 27 Ecumenical Church Loan Fund (ECLOF) 0 28 Evangelical Fellowship of Zambia 0 29 FINCA Zambia Ltd 0 30 Harmos MED Ltd 0 31 Keepers Zambia Foundation 0 32 Lutheran World Federation (LWF) 0 33 Micro Bankers Trust 0 34 Microfin Africa Zambia Ltd 0 35 Nedfin 0 36 Peoples Participation Service 0 37 Pride Zambia Ltd 0 38 Pulse Holdings Ltd 0 39 Salvation Army - Lusumpuko Women's Microcredit Fund 0 40 Women Finance Co-operative Zambia Ltd 0 41 Young Women Christian Association (YWCA) 0 42 Zambezi Youth Organisation (ZAYO) 0 43 Other 0 Sysmiss 3995 Having insurance protects you when you have ... 3996 4 -9 Missing Data 11 1 True 1316 2 Not true 230 3 Don't know 2439 Sysmiss 4 Insurance is for rich people 3995 5 -9 Missing Data 10 1 True 445 2 Not true 1311 3 Don't know 2229 Sysmiss 5 Insurance is a way of saving on long term basis 3995 5 -9 Missing Data 12 1 True 943 2 Not true 363 3 Don't know 2677 Sysmiss 5 Insurance companies don't pay out when you claim 3994 6 -9 Missing Data 13 1 True 216 2 Not true 927 3 Don't know 2838 Sysmiss 6 Applying for insurance is a complicated 3995 5 -9 Missing Data 12 1 True 295 2 Not true 876 3 Don't know 2812 Sysmiss 5 Second Institution 3 3997 -9 Missing Data 1 0 1 1 Madison Insurance Company 0 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 1 4 Zambia State Insurance Corporation 0 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3997 Third Institution 2 3998 -9 Missing Data 1 1 Madison Insurance Company 1 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 0 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3998 Motor Vehicle Insurance 3996 4 -9 Missing Data 7 1 Have now 54 2 Had in past 31 3 Never had 3904 Sysmiss 4 Travel Insurance 3988 12 -9 Missing Data 6 1 Have now 2 2 Had in past 15 3 Never had 3965 Sysmiss 12 Domestic / Household Insurance 3996 4 -9 Missing Data 7 1 Have now 7 2 Had in past 18 3 Never had 3964 Sysmiss 4 Funeral Insurance 3995 5 -9 Missing Data 7 1 Have now 17 2 Had in past 21 3 Never had 3950 Sysmiss 5 All Risks Insurance 3992 8 -9 Missing Data 7 1 Have now 3 2 Had in past 18 3 Never had 3964 Sysmiss 8 Medical Insurance 3995 5 -9 Missing Data 7 1 Have now 13 2 Had in past 19 3 Never had 3956 Sysmiss 5 Health Cover (Doctor) 3995 5 -9 Missing Data 7 1 Have now 4 2 Had in past 18 3 Never had 3966 Sysmiss 5 Agricultural Insurance 3996 4 -9 Missing Data 7 1 Have now 4 2 Had in past 17 3 Never had 3968 Sysmiss 4 Life Assurance 3996 4 -9 Missing Data 8 1 Have now 40 2 Had in past 38 3 Never had 3910 Sysmiss 4 Personal Injury / Accident Insurance 3992 8 -9 Missing Data 7 1 Have now 4 2 Had in past 17 3 Never had 3964 Sysmiss 8 Property Insurance 3994 6 -9 Missing Data 7 1 Have now 5 2 Had in past 22 3 Never had 3960 Sysmiss 6 Money Insurance 3995 5 -9 Missing Data 8 1 Have now 2 2 Had in past 22 3 Never had 3963 Sysmiss 5 Pension / NAPSA 3994 6 -9 Missing Data 8 1 Have now 83 2 Had in past 31 3 Never had 3872 Sysmiss 6 Insurance that covers a loan 3987 13 -9 Missing Data 7 1 Have now 7 2 Had in past 22 3 Never had 3951 Sysmiss 13 Pension scheme from employer 3992 8 -9 Missing Data 8 1 Have now 41 2 Had in past 26 3 Never had 3917 Sysmiss 8 first Institution..... Motor Vehicle Insurance 40 3960 -9 Missing Data 7 1 Madison Insurance Company 9 2 NICO Insurance Zambia Ltd 1 3 Professional Insurance Corporation Zambia Ltd 5 4 Zambia State Insurance Corporation 17 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 16 1 Sysmiss 3960 first Institution..... Travel Insurance 0 4000 -9 Missing Data 0 1 Madison Insurance Company 0 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 0 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 4000 first Institution..... Domestic / Household Insurance 4 3996 -9 Missing Data 2 1 Madison Insurance Company 1 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 1 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3996 first Institution..... Funeral Insurance 6 3994 -9 Missing Data 2 1 Madison Insurance Company 0 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 0 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 4 Sysmiss 3994 first Institution..... All Risks Insurance 3 3997 -9 Missing Data 0 1 Madison Insurance Company 0 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 2 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 1 Sysmiss 3997 first Institution..... Medical Insurance 10 3990 -9 Missing Data 4 1 Madison Insurance Company 1 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 1 4 Zambia State Insurance Corporation 4 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3990 first Institution..... Health Cover (Doctor) 4 3996 -9 Missing Data 2 1 Madison Insurance Company 1 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 1 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3996 first Institution..... Agricultural Insurance 2 3998 -9 Missing Data 0 1 Madison Insurance Company 1 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 1 4 Zambia State Insurance Corporation 0 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3998 first Institution..... Life Assurance 29 3971 -9 Missing Data 2 1 Madison Insurance Company 3 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 1 4 Zambia State Insurance Corporation 20 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 3 Sysmiss 3971 first Institution..... Personal Injury / Accident Insurance 2 3998 -9 Missing Data 0 1 Madison Insurance Company 1 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 1 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3998 first Institution..... Property Insurance 4 3996 -9 Missing Data 1 1 Madison Insurance Company 0 2 NICO Insurance Zambia Ltd 1 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 2 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3996 first Institution..... Money Insurance 1 3999 -9 Missing Data 1 1 Madison Insurance Company 0 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 0 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3999 first Institution..... Pension / NAPSA 49 3951 -9 Missing Data 15 1 Madison Insurance Company 0 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 2 4 Zambia State Insurance Corporation 10 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 1 9 Other 18 43 3 Sysmiss 3951 first Institution..... Insurance that covers a loan 4 3996 -9 Missing Data 1 1 Madison Insurance Company 2 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 1 4 Zambia State Insurance Corporation 0 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 0 Sysmiss 3996 first Institution..... Pension scheme from employer 15 3985 -9 Missing Data 14 1 Madison Insurance Company 0 2 NICO Insurance Zambia Ltd 0 3 Professional Insurance Corporation Zambia Ltd 0 4 Zambia State Insurance Corporation 0 5 Goldman Insurance Ltd 0 6 Cavmont Capital Corporation Ltd / Diamond General Insurace 0 7 Union Insurance Corporation Ltd 0 8 ZIGI Insurance Company Ltd 0 9 Other 1 Sysmiss 3985 S10Q2C.1: People have these products.......why do you have it 105 3895 -9 Missing Data 6 1 Cannot afford to lose the thing that is covered 11 2 The cost is low compared to the consequences of loss 6 3 Being insured stops you worrying about losing things 5 4 Have to make provision for my old age 21 5 It is required by law to have it 22 6 It is better to be safe than sorry later 7 7 Have to make provision for when things go wrong 8 8 To cover my loan when somethings happen to me 0 9 Other specify 5 10 Does not know 12 11 No specific reason 2 Sysmiss 3895 S10Q2C.2: People have these products.......why do you have it 22 3978 -9 Missing Data 0 1 Cannot afford to lose the thing that is covered 0 2 The cost is low compared to the consequences of loss 2 3 Being insured stops you worrying about losing things 1 4 Have to make provision for my old age 0 5 It is required by law to have it 9 6 It is better to be safe than sorry later 3 7 Have to make provision for when things go wrong 5 8 To cover my loan when somethings happen to me 2 9 Other specify 0 10 Does not know 0 11 No specific reason 0 Sysmiss 3978 S10Q2C.3: People have these products.......why do you have it 4 3996 -9 Missing Data 0 1 Cannot afford to lose the thing that is covered 0 2 The cost is low compared to the consequences of loss 0 3 Being insured stops you worrying about losing things 0 4 Have to make provision for my old age 0 5 It is required by law to have it 1 6 It is better to be safe than sorry later 1 7 Have to make provision for when things go wrong 0 8 To cover my loan when somethings happen to me 1 9 Other specify 1 10 Does not know 0 11 No specific reason 0 Sysmiss 3996 S10Q2C.4: People have these products.......why do you have it 1 3999 -9 Missing Data 0 1 Cannot afford to lose the thing that is covered 0 2 The cost is low compared to the consequences of loss 0 3 Being insured stops you worrying about losing things 0 4 Have to make provision for my old age 0 5 It is required by law to have it 0 6 It is better to be safe than sorry later 0 7 Have to make provision for when things go wrong 1 8 To cover my loan when somethings happen to me 0 9 Other specify 0 10 Does not know 0 11 No specific reason 0 Sysmiss 3999 S10Q3.1: There are different reasons for people not.......why don't y 3813 187 -9 Missing Data 60 0 3 1 Has not heard about it 1186 2 Has never thought about it 639 3 Does not need it 371 4 Does not know how it works 366 5 Does not know how to get it 64 6 Does not know where to get it 22 7 Does not trust it or the companies 22 8 Someone else in the family or household has it 14 9 Protects self in other ways 12 10 Does not want to think about bad things happening 7 11 Using insurance brings bad things or problems onto you 2 12 It is not good value for money 17 13 Cannot afford it 495 14 They don't want to pay out when you claim 6 15 Other specify 60 16 Does not know 348 17 No specific reason 119 Sysmiss 187 S10Q3.2: There are different reasons for people not.......why don't y 1112 2888 -9 Missing Data 0 1 Has not heard about it 0 2 Has never thought about it 101 3 Does not need it 160 4 Does not know how it works 327 5 Does not know how to get it 98 6 Does not know where to get it 43 7 Does not trust it or the companies 14 8 Someone else in the family or household has it 0 9 Protects self in other ways 12 10 Does not want to think about bad things happening 5 11 Using insurance brings bad things or problems onto you 1 12 It is not good value for money 7 13 Cannot afford it 266 14 They don't want to pay out when you claim 16 15 Other specify 21 16 Does not know 26 17 No specific reason 15 Sysmiss 2888 S10Q3.3: There are different reasons for people not.......why don't y 265 3735 -9 Missing Data 0 1 Has not heard about it 0 2 Has never thought about it 0 3 Does not need it 25 4 Does not know how it works 58 5 Does not know how to get it 46 6 Does not know where to get it 53 7 Does not trust it or the companies 11 8 Someone else in the family or household has it 2 9 Protects self in other ways 2 10 Does not want to think about bad things happening 1 11 Using insurance brings bad things or problems onto you 0 12 It is not good value for money 2 13 Cannot afford it 51 14 They don't want to pay out when you claim 3 15 Other specify 2 16 Does not know 4 17 No specific reason 5 Sysmiss 3735 S10Q3.4: There are different reasons for people not.......why don't y 56 3944 -9 Missing Data 0 1 Has not heard about it 0 2 Has never thought about it 0 3 Does not need it 0 4 Does not know how it works 9 5 Does not know how to get it 3 6 Does not know where to get it 19 7 Does not trust it or the companies 0 8 Someone else in the family or household has it 1 9 Protects self in other ways 0 10 Does not want to think about bad things happening 1 11 Using insurance brings bad things or problems onto you 1 12 It is not good value for money 0 13 Cannot afford it 20 14 They don't want to pay out when you claim 0 15 Other specify 0 16 Does not know 0 17 No specific reason 2 Sysmiss 3944 S10Q3.5: There are different reasons for people not.......why don't y 16 3984 -9 Missing Data 0 1 Has not heard about it 0 2 Has never thought about it 0 3 Does not need it 0 4 Does not know how it works 0 5 Does not know how to get it 1 6 Does not know where to get it 3 7 Does not trust it or the companies 1 8 Someone else in the family or household has it 0 9 Protects self in other ways 0 10 Does not want to think about bad things happening 0 11 Using insurance brings bad things or problems onto you 0 12 It is not good value for money 1 13 Cannot afford it 9 14 They don't want to pay out when you claim 0 15 Other specify 0 16 Does not know 0 17 No specific reason 1 Sysmiss 3984 S10Q3.6: There are different reasons for people not.......why don't y 3 3997 -9 Missing Data 0 1 Has not heard about it 0 2 Has never thought about it 0 3 Does not need it 0 4 Does not know how it works 0 5 Does not know how to get it 0 6 Does not know where to get it 1 7 Does not trust it or the companies 1 8 Someone else in the family or household has it 0 9 Protects self in other ways 0 10 Does not want to think about bad things happening 0 11 Using insurance brings bad things or problems onto you 0 12 It is not good value for money 0 13 Cannot afford it 1 14 They don't want to pay out when you claim 0 15 Other specify 0 16 Does not know 0 17 No specific reason 0 Sysmiss 3997 S10Q3.7: There are different reasons for people not.......why don't y 1 3999 -9 Missing Data 0 1 Has not heard about it 0 2 Has never thought about it 0 3 Does not need it 0 4 Does not know how it works 0 5 Does not know how to get it 0 6 Does not know where to get it 0 7 Does not trust it or the companies 0 8 Someone else in the family or household has it 0 9 Protects self in other ways 0 10 Does not want to think about bad things happening 0 11 Using insurance brings bad things or problems onto you 0 12 It is not good value for money 0 13 Cannot afford it 0 14 They don't want to pay out when you claim 1 15 Other specify 0 16 Does not know 0 17 No specific reason 0 Sysmiss 3999 Have you sent money to someone living in a differrent place 3996 4 -9 Missing Data 0 1 Yes 479 2 No 3517 Sysmiss 4 Have you sent money to someone living in another country 3996 4 -9 Missing Data 0 1 Yes 18 2 No 3978 Sysmiss 4 Recieved money from someone living in a different place with 3995 5 -9 Missing Data 0 1 Yes 561 2 No 3434 Sysmiss 5 Recieved money from someone living in onother country 3993 7 -9 Missing Data 0 1 Yes 74 2 No 3919 Sysmiss 7 How do you send the money?(third mentioned) 7 3993 -9 Missing Data 0 1 Bank transfer 1 2 Pay into bank account 1 3 Post Office 1 4 Western Union 1 5 Money gram 0 6 Swift cash 2 7 Friends/family 1 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 3993 Where are you sending the money to.... Spouse 19 3981 -9 Missing Data 0 1 Rular village 7 2 Urban town 11 3 Outside Zambia 0 5 1 Sysmiss 3981 Where are you sending the money to.... Child 72 3928 -9 Missing Data 0 1 Rular village 21 2 Urban town 49 3 Outside Zambia 2 Sysmiss 3928 Where are you sending the money to.... Parent 158 3842 -9 Missing Data 0 1 Rular village 105 2 Urban town 53 3 Outside Zambia 0 Sysmiss 3842 Where are you sending the money to.... Other family member 233 3767 -9 Missing Data 1 1 Rular village 106 2 Urban town 123 3 Outside Zambia 3 Sysmiss 3767 Where are you sending the money to.... Friend 19 3981 -9 Missing Data 0 1 Rular village 6 2 Urban town 12 3 Outside Zambia 1 Sysmiss 3981 Where are you sending the money to.... Someone you borrowed from 3 3997 -9 Missing Data 0 1 Rular village 0 2 Urban town 3 3 Outside Zambia 0 Sysmiss 3997 Where are you sending the money to.... School, college or university 5 3995 -9 Missing Data 0 1 Rular village 1 2 Urban town 3 3 Outside Zambia 1 Sysmiss 3995 Where are you sending the money to.... To a business 1 3999 -9 Missing Data 0 1 Rular village 0 2 Urban town 1 3 Outside Zambia 0 Sysmiss 3999 Where are you sending the money to.... Other specify 6 3994 -9 Missing Data 1 1 Rular village 2 2 Urban town 3 3 Outside Zambia 0 Sysmiss 3994 How often do you send to this person.... Spouse 19 3981 -9 Missing Data 1 1 Weekly 1 2 Fortnightly 0 3 Monthly 5 4 Seasonally 3 5 Once a year 6 6 Other 3 Sysmiss 3981 How often do you send to this person.... Child 73 3927 -9 Missing Data 0 1 Weekly 2 2 Fortnightly 7 3 Monthly 19 4 Seasonally 16 5 Once a year 21 6 Other 7 10 1 Sysmiss 3927 How often do you send to this person.... Parent 158 3842 -9 Missing Data 0 1 Weekly 2 2 Fortnightly 1 3 Monthly 24 4 Seasonally 63 5 Once a year 40 6 Other 28 Sysmiss 3842 How often do you send to this person.... Other family member 233 3767 -9 Missing Data 0 1 Weekly 2 2 Fortnightly 3 3 Monthly 19 4 Seasonally 74 5 Once a year 97 6 Other 38 Sysmiss 3767 How often do you send to this person.... Friend 19 3981 -9 Missing Data 0 1 Weekly 0 2 Fortnightly 0 3 Monthly 5 4 Seasonally 3 5 Once a year 9 6 Other 2 Sysmiss 3981 How often do you send to this person.... Someone you borrowed from 3 3997 -9 Missing Data 0 1 Weekly 0 2 Fortnightly 0 3 Monthly 0 4 Seasonally 0 5 Once a year 2 6 Other 1 Sysmiss 3997 How often do you send to this person.... School, college or university 5 3995 -9 Missing Data 0 1 Weekly 0 2 Fortnightly 0 3 Monthly 0 4 Seasonally 4 5 Once a year 1 6 Other 0 Sysmiss 3995 How often do you send to this person.... To a business 1 3999 -9 Missing Data 0 1 Weekly 0 2 Fortnightly 0 3 Monthly 0 4 Seasonally 1 5 Once a year 0 6 Other 0 Sysmiss 3999 How often do you send to this person.... Other specify 6 3994 -9 Missing Data 0 1 Weekly 0 2 Fortnightly 1 3 Monthly 1 4 Seasonally 3 5 Once a year 0 6 Other 1 Sysmiss 3994 How do you send the money?(first mentioned)... Spouse 18 3982 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 4 3 Post Office 2 4 Western Union 2 5 Money gram 0 6 Swift cash 6 7 Friends/family 3 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 1 Sysmiss 3982 How do you send the money?(first mentioned)... Child 70 3930 -9 Missing Data 0 1 Bank transfer 2 2 Pay into bank account 3 3 Post Office 5 4 Western Union 1 5 Money gram 0 6 Swift cash 21 7 Friends/family 35 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 3 Sysmiss 3930 How do you send the money?(first mentioned)... Parent 155 3845 -9 Missing Data 0 1 Bank transfer 7 2 Pay into bank account 8 3 Post Office 15 4 Western Union 4 5 Money gram 2 6 Swift cash 41 7 Friends/family 62 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 9 11 Other 7 Sysmiss 3845 How do you send the money?(first mentioned)... Other family member 229 3771 -9 Missing Data 0 1 Bank transfer 14 2 Pay into bank account 8 3 Post Office 17 4 Western Union 7 5 Money gram 2 6 Swift cash 69 7 Friends/family 89 8 Transfer by cell phone(Xapit) 1 9 Cellphone top-up 1 10 Bus/Taxi 7 11 Other 14 Sysmiss 3771 How do you send the money?(first mentioned)... Friend 19 3981 -9 Missing Data 0 1 Bank transfer 1 2 Pay into bank account 2 3 Post Office 2 4 Western Union 0 5 Money gram 1 6 Swift cash 5 7 Friends/family 6 8 Transfer by cell phone(Xapit) 1 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 1 Sysmiss 3981 How do you send the money?(first mentioned)... Someone you borrowed from 3 3997 -9 Missing Data 0 1 Bank transfer 1 2 Pay into bank account 1 3 Post Office 0 4 Western Union 0 5 Money gram 0 6 Swift cash 0 7 Friends/family 1 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 3997 How do you send the money?(first mentioned)... School, college or university 5 3995 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 0 3 Post Office 0 4 Western Union 1 5 Money gram 0 6 Swift cash 1 7 Friends/family 3 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 3995 How do you send the money?(first mentioned)... To a business 1 3999 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 0 3 Post Office 0 4 Western Union 0 5 Money gram 0 6 Swift cash 1 7 Friends/family 0 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 3999 How do you send the money?(first mentioned)... Other specify 6 3994 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 2 3 Post Office 1 4 Western Union 0 5 Money gram 0 6 Swift cash 1 7 Friends/family 0 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 2 11 Other 0 Sysmiss 3994 How do you send the money? (second mentioned)... Spouse 2 3998 -9 Missing Data 1 1 Bank transfer 0 2 Pay into bank account 0 3 Post Office 0 4 Western Union 0 5 Money gram 0 6 Swift cash 1 7 Friends/family 0 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 3998 How do you send the money? (second mentioned)... Child 4 3996 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 1 3 Post Office 0 4 Western Union 0 5 Money gram 0 6 Swift cash 1 7 Friends/family 0 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 1 10 Bus/Taxi 1 11 Other 0 Sysmiss 3996 How do you send the money? (second mentioned)... Parent 11 3989 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 1 3 Post Office 1 4 Western Union 1 5 Money gram 1 6 Swift cash 1 7 Friends/family 5 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 1 10 Bus/Taxi 0 11 Other 0 Sysmiss 3989 How do you send the money? (second mentioned)... Other family member 14 3986 -9 Missing Data 0 1 Bank transfer 2 2 Pay into bank account 2 3 Post Office 2 4 Western Union 2 5 Money gram 0 6 Swift cash 2 7 Friends/family 1 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 1 10 Bus/Taxi 0 11 Other 2 Sysmiss 3986 How do you send the money? (second mentioned)... Friend 1 3999 -9 Missing Data 0 1 Bank transfer 1 2 Pay into bank account 0 3 Post Office 0 4 Western Union 0 5 Money gram 0 6 Swift cash 0 7 Friends/family 0 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 3999 How do you send the money? (second mentioned)... Someone you borrowed from 0 4000 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 0 3 Post Office 0 4 Western Union 0 5 Money gram 0 6 Swift cash 0 7 Friends/family 0 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 4000 How do you send the money? (second mentioned)... School, college or university 0 4000 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 0 3 Post Office 0 4 Western Union 0 5 Money gram 0 6 Swift cash 0 7 Friends/family 0 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 4000 How do you send the money? (second mentioned)... To a business 0 4000 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 0 3 Post Office 0 4 Western Union 0 5 Money gram 0 6 Swift cash 0 7 Friends/family 0 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 4000 How do you send the money? (second mentioned)... Other specify 0 4000 -9 Missing Data 0 1 Bank transfer 0 2 Pay into bank account 0 3 Post Office 0 4 Western Union 0 5 Money gram 0 6 Swift cash 0 7 Friends/family 0 8 Transfer by cell phone(Xapit) 0 9 Cellphone top-up 0 10 Bus/Taxi 0 11 Other 0 Sysmiss 4000 How much did you send the last time.... Spouse 18 3982 -9 Missing Data 1 1 K50 000 or less 0 2 K50001-K100000 2 3 K100001-K200000 4 4 K200001-K300000 1 5 K300001-K500000 4 6 K500001-K1m 4 7 More than K1m 1 8 Cannot remember 1 9 Refused 0 Sysmiss 3982 How much did you send the last time.... Child 71 3929 -9 Missing Data 0 1 K50 000 or less 8 2 K50001-K100000 15 3 K100001-K200000 16 4 K200001-K300000 13 5 K300001-K500000 10 6 K500001-K1m 6 7 More than K1m 2 8 Cannot remember 0 9 Refused 1 Sysmiss 3929 How much did you send the last time.... Parent 155 3845 -9 Missing Data 0 1 K50 000 or less 13 2 K50001-K100000 22 3 K100001-K200000 40 4 K200001-K300000 27 5 K300001-K500000 33 6 K500001-K1m 14 7 More than K1m 5 8 Cannot remember 1 9 Refused 0 Sysmiss 3845 How much did you send the last time.... Other family member 230 3770 -9 Missing Data 0 1 K50 000 or less 20 2 K50001-K100000 49 3 K100001-K200000 53 4 K200001-K300000 36 5 K300001-K500000 36 6 K500001-K1m 23 7 More than K1m 12 8 Cannot remember 1 9 Refused 0 Sysmiss 3770 How much did you send the last time.... Friend 19 3981 -9 Missing Data 0 1 K50 000 or less 5 2 K50001-K100000 2 3 K100001-K200000 5 4 K200001-K300000 1 5 K300001-K500000 3 6 K500001-K1m 1 7 More than K1m 1 8 Cannot remember 1 9 Refused 0 Sysmiss 3981 How much did you send the last time.... Someone you borrowed from 3 3997 -9 Missing Data 0 1 K50 000 or less 0 2 K50001-K100000 0 3 K100001-K200000 0 4 K200001-K300000 1 5 K300001-K500000 1 6 K500001-K1m 0 7 More than K1m 1 8 Cannot remember 0 9 Refused 0 Sysmiss 3997 How much did you send the last time.... School, college or university 5 3995 -9 Missing Data 0 1 K50 000 or less 1 2 K50001-K100000 0 3 K100001-K200000 1 4 K200001-K300000 0 5 K300001-K500000 0 6 K500001-K1m 1 7 More than K1m 2 8 Cannot remember 0 9 Refused 0 Sysmiss 3995 How much did you send the last time.... To a business 1 3999 -9 Missing Data 0 1 K50 000 or less 0 2 K50001-K100000 0 3 K100001-K200000 0 4 K200001-K300000 0 5 K300001-K500000 0 6 K500001-K1m 0 7 More than K1m 1 8 Cannot remember 0 9 Refused 0 Sysmiss 3999 How much did you send the last time.... Other specify 6 3994 -9 Missing Data 0 1 K50 000 or less 0 2 K50001-K100000 0 3 K100001-K200000 0 4 K200001-K300000 2 5 K300001-K500000 2 6 K500001-K1m 2 7 More than K1m 0 8 Cannot remember 0 9 Refused 0 Sysmiss 3994 How do you receive the money?(third mentioned) 6 3994 -9 Missing Data 0 1 Into bank account 0 2 Post Office 2 3 Western Union 1 4 Money gram 1 5 Swift cash 1 6 Friends/family 1 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 3994 Where were they sending the money from... Spouse 16 3984 -9 Missing Data 0 1 Rular village 3 2 Urban town 13 3 Outside Zambia 0 Sysmiss 3984 Where were they sending the money from... Child 108 3892 -9 Missing Data 0 1 Rular village 12 2 Urban town 88 3 Outside Zambia 8 Sysmiss 3892 Where were they sending the money from... Parent 42 3958 -9 Missing Data 0 1 Rular village 14 2 Urban town 25 3 Outside Zambia 3 Sysmiss 3958 Where were they sending the money from... Other family member 285 3715 -9 Missing Data 0 1 Rular village 44 2 Urban town 217 3 Outside Zambia 24 Sysmiss 3715 Where were they sending the money from... Friend 30 3970 -9 Missing Data 0 1 Rular village 5 2 Urban town 24 3 Outside Zambia 1 Sysmiss 3970 Where were they sending the money from... Customer 6 3994 -9 Missing Data 0 1 Rular village 0 2 Urban town 6 3 Outside Zambia 0 Sysmiss 3994 Where were they sending the money from... Someone who owes you money 8 3992 -9 Missing Data 0 1 Rular village 2 2 Urban town 6 3 Outside Zambia 0 Sysmiss 3992 Where were they sending the money from... Other specify 16 3984 -9 Missing Data 0 1 Rular village 1 2 Urban town 10 3 Outside Zambia 5 Sysmiss 3984 How often do you recieve money from this source... Spouse 15 3985 -9 Missing Data 0 1 Weekly 1 2 Fortnightly 0 3 Monthly 3 4 Seasonally 8 5 Once a year 2 6 Other 1 Sysmiss 3985 How often do you recieve money from this source... Child 106 3894 -9 Missing Data 1 1 Weekly 1 2 Fortnightly 5 3 Monthly 19 4 Seasonally 41 5 Once a year 27 6 Other 12 Sysmiss 3894 How often do you recieve money from this source... Parent 42 3958 -9 Missing Data 0 1 Weekly 0 2 Fortnightly 1 3 Monthly 7 4 Seasonally 16 5 Once a year 14 6 Other 4 Sysmiss 3958 How often do you recieve money from this source... Other family member 285 3715 -9 Missing Data 0 1 Weekly 6 2 Fortnightly 1 3 Monthly 24 4 Seasonally 85 5 Once a year 134 6 Other 35 Sysmiss 3715 How often do you recieve money from this source... Friend 30 3970 -9 Missing Data 0 1 Weekly 2 2 Fortnightly 0 3 Monthly 4 4 Seasonally 6 5 Once a year 10 6 Other 8 Sysmiss 3970 How often do you recieve money from this source... Customer 6 3994 -9 Missing Data 0 1 Weekly 0 2 Fortnightly 1 3 Monthly 0 4 Seasonally 3 5 Once a year 1 6 Other 1 Sysmiss 3994 How often do you recieve money from this source... Someone who owes you money 8 3992 -9 Missing Data 0 1 Weekly 0 2 Fortnightly 0 3 Monthly 2 4 Seasonally 1 5 Once a year 2 6 Other 3 Sysmiss 3992 How often do you recieve money from this source... Other specify 16 3984 -9 Missing Data 0 1 Weekly 0 2 Fortnightly 0 3 Monthly 4 4 Seasonally 7 5 Once a year 5 6 Other 0 Sysmiss 3984 How do you receive the money?(first mentioned).... Spouse 13 3987 -9 Missing Data 0 1 Into bank account 1 2 Post Office 1 3 Western Union 1 4 Money gram 0 5 Swift cash 3 6 Friends/family 2 7 Transfer by cell phone(Xapit) 1 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 4 Sysmiss 3987 How do you receive the money?(first mentioned).... Child 103 3897 -9 Missing Data 1 1 Into bank account 7 2 Post Office 19 3 Western Union 5 4 Money gram 3 5 Swift cash 17 6 Friends/family 41 7 Transfer by cell phone(Xapit) 2 8 Cellphone top-up 0 9 Bus/Taxi 2 10 Other 6 Sysmiss 3897 How do you receive the money?(first mentioned).... Parent 42 3958 -9 Missing Data 0 1 Into bank account 0 2 Post Office 6 3 Western Union 3 4 Money gram 0 5 Swift cash 13 6 Friends/family 17 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 1 10 Other 2 Sysmiss 3958 How do you receive the money?(first mentioned).... Other family member 278 3722 -9 Missing Data 0 1 Into bank account 26 2 Post Office 32 3 Western Union 23 4 Money gram 4 5 Swift cash 61 6 Friends/family 111 7 Transfer by cell phone(Xapit) 7 8 Cellphone top-up 0 9 Bus/Taxi 2 10 Other 12 Sysmiss 3722 How do you receive the money?(first mentioned).... Friend 27 3973 -9 Missing Data 0 1 Into bank account 9 2 Post Office 3 3 Western Union 1 4 Money gram 0 5 Swift cash 4 6 Friends/family 7 7 Transfer by cell phone(Xapit) 2 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 1 Sysmiss 3973 How do you receive the money?(first mentioned).... Customer 5 3995 -9 Missing Data 0 1 Into bank account 3 2 Post Office 0 3 Western Union 0 4 Money gram 0 5 Swift cash 1 6 Friends/family 1 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 3995 How do you receive the money?(first mentioned).... Someone who owes you money 8 3992 -9 Missing Data 0 1 Into bank account 5 2 Post Office 0 3 Western Union 0 4 Money gram 0 5 Swift cash 0 6 Friends/family 3 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 3992 How do you receive the money?(first mentioned).... Other specify 16 3984 -9 Missing Data 0 1 Into bank account 5 2 Post Office 3 3 Western Union 1 4 Money gram 0 5 Swift cash 0 6 Friends/family 3 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 4 Sysmiss 3984 How do you receive the money?(second mentioned)... Spouse 3 3997 -9 Missing Data 0 1 Into bank account 0 2 Post Office 1 3 Western Union 0 4 Money gram 0 5 Swift cash 2 6 Friends/family 0 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 3997 How do you receive the money?(second mentioned)... Child 12 3988 -9 Missing Data 0 1 Into bank account 1 2 Post Office 2 3 Western Union 2 4 Money gram 1 5 Swift cash 2 6 Friends/family 4 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 3988 How do you receive the money?(second mentioned)... Parent 1 3999 -9 Missing Data 0 1 Into bank account 0 2 Post Office 1 3 Western Union 0 4 Money gram 0 5 Swift cash 0 6 Friends/family 0 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 3999 How do you receive the money?(second mentioned)... Other family member 15 3985 -9 Missing Data 0 1 Into bank account 3 2 Post Office 2 3 Western Union 5 4 Money gram 0 5 Swift cash 1 6 Friends/family 3 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 1 Sysmiss 3985 How do you receive the money?(second mentioned)... Friend 3 3997 -9 Missing Data 0 1 Into bank account 1 2 Post Office 1 3 Western Union 0 4 Money gram 0 5 Swift cash 1 6 Friends/family 0 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 3997 How do you receive the money?(second mentioned)... Customer 1 3999 -9 Missing Data 0 1 Into bank account 1 2 Post Office 0 3 Western Union 0 4 Money gram 0 5 Swift cash 0 6 Friends/family 0 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 3999 How do you receive the money?(second mentioned)... Someone who owes you money 0 4000 -9 Missing Data 0 1 Into bank account 0 2 Post Office 0 3 Western Union 0 4 Money gram 0 5 Swift cash 0 6 Friends/family 0 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 4000 How do you receive the money?(second mentioned)... Other specify 1 3999 -9 Missing Data 0 1 Into bank account 0 2 Post Office 0 3 Western Union 0 4 Money gram 0 5 Swift cash 0 6 Friends/family 1 7 Transfer by cell phone(Xapit) 0 8 Cellphone top-up 0 9 Bus/Taxi 0 10 Other 0 Sysmiss 3999 How much did you receive the last time.... Spouse 14 3986 -9 Missing Data 0 1 K50 000 or less 0 2 K50001-K100000 3 3 K100001-K200000 4 4 K200001-K300000 1 5 K300001-K500000 2 6 K500001-K1m 4 7 More than K1m 0 8 Cannot remember 0 9 Refused 0 Sysmiss 3986 How much did you receive the last time.... Child 103 3897 -9 Missing Data 0 1 K50 000 or less 4 2 K50001-K100000 11 3 K100001-K200000 21 4 K200001-K300000 18 5 K300001-K500000 18 6 K500001-K1m 22 7 More than K1m 8 8 Cannot remember 0 9 Refused 1 Sysmiss 3897 How much did you receive the last time.... Parent 42 3958 -9 Missing Data 0 1 K50 000 or less 3 2 K50001-K100000 8 3 K100001-K200000 13 4 K200001-K300000 6 5 K300001-K500000 4 6 K500001-K1m 6 7 More than K1m 2 8 Cannot remember 0 9 Refused 0 Sysmiss 3958 How much did you receive the last time.... Other family member 283 3717 -9 Missing Data 0 1 K50 000 or less 26 2 K50001-K100000 39 3 K100001-K200000 66 4 K200001-K300000 54 5 K300001-K500000 42 6 K500001-K1m 31 7 More than K1m 24 8 Cannot remember 1 9 Refused 0 Sysmiss 3717 How much did you receive the last time.... Friend 29 3971 -9 Missing Data 0 1 K50 000 or less 3 2 K50001-K100000 2 3 K100001-K200000 9 4 K200001-K300000 4 5 K300001-K500000 3 6 K500001-K1m 2 7 More than K1m 5 8 Cannot remember 0 9 Refused 1 Sysmiss 3971 How much did you receive the last time.... Customer 6 3994 -9 Missing Data 0 1 K50 000 or less 0 2 K50001-K100000 0 3 K100001-K200000 0 4 K200001-K300000 0 5 K300001-K500000 1 6 K500001-K1m 2 7 More than K1m 2 8 Cannot remember 0 9 Refused 1 Sysmiss 3994 How much did you receive the last time.... Someone who owes you money 7 3993 -9 Missing Data 0 1 K50 000 or less 0 2 K50001-K100000 1 3 K100001-K200000 1 4 K200001-K300000 1 5 K300001-K500000 0 6 K500001-K1m 2 7 More than K1m 2 8 Cannot remember 0 9 Refused 0 Sysmiss 3993 How much did you receive the last time.... Other specify 15 3985 -9 Missing Data 1 1 K50 000 or less 0 2 K50001-K100000 2 3 K100001-K200000 4 4 K200001-K300000 0 5 K300001-K500000 0 6 K500001-K1m 5 7 More than K1m 2 8 Cannot remember 0 9 Refused 1 Sysmiss 3985 Do you personally belong to one or more...? 4000 0 -9 Missing Data 5 1 Yes 176 2 No 3819 How often do you contribute to club 1 175 3825 -9 Missing Data 2 1 Every week 38 2 About twice a month 5 3 About once a month 80 4 About every two months 6 5 About every three months 7 6 6 7 31 Sysmiss 3825 How often do you contribute to club 2 8 3992 -9 Missing Data 2 1 Every week 1 2 About twice a month 0 3 About once a month 2 4 About every two months 0 5 About every three months 0 6 1 7 2 Sysmiss 3992 On average how much...contribute to club 1 176 3824 -9 Missing Data 2 1 Up to K5,000 17 2 K5,001 - K10,000 21 3 K10,001 - K20,000 18 4 K20,001 - K30,000 9 5 K30,001 - K50,000 17 6 K50,001 - K100,000 27 7 K100,001 - K250,000 43 8 More than K250,000 20 9 Refused 2 Sysmiss 3824 On average how much... contribute to club 2 7 3993 -9 Missing Data 2 1 Up to K5,000 0 2 K5,001 - K10,000 2 3 K10,001 - K20,000 0 4 K20,001 - K30,000 0 5 K30,001 - K50,000 1 6 K50,001 - K100,000 0 7 K100,001 - K250,000 2 8 More than K250,000 0 9 Refused 0 Sysmiss 3993 How often do you receive funds...Club 1 173 3827 -9 Missing Data 8 1 Every week 9 2 About twice a month 15 3 About once a month 36 4 About every two months 23 5 About every three months 31 6 About twice a year 14 7 Once a year 37 Sysmiss 3827 How often do you receive funds...Club 2 8 3992 -9 Missing Data 3 1 Every week 0 2 About twice a month 1 3 About once a month 1 4 About every two months 0 5 About every three months 0 6 About twice a year 1 7 Once a year 2 Sysmiss 3992 How many members does club 1 have? 176 3824 -9 Missing Data 3 1 One to five 80 2 Six to ten 26 3 Eleven to fifteen 15 4 More than fifteen 52 Sysmiss 3824 7 3993 -9 Missing Data 2 1 One to five 2 2 Six to ten 0 3 Eleven to fifteen 2 4 More than fifteen 1 Sysmiss 3993 Where does your saving club 1 keep money...? 176 3824 -9 Missing Data 2 1 In a bank account 37 2 Placed in safekeeping with one of the members 50 3 Placed in safekeeping with someone else 7 4 It is immediately paid out to a member for their use 72 5 Other specify 5 6 Don't know 3 Sysmiss 3824 Where does your saving club 2 keep money...? 8 3992 -9 Missing Data 2 1 In a bank account 0 2 Placed in safekeeping with one of the members 1 3 Placed in safekeeping with someone else 2 4 It is immediately paid out to a member for their use 3 5 Other specify 0 6 Don't know 0 Sysmiss 3992 Have you made provisions to cover the expenses.....? 3998 2 -9 Missing Data 12 1 Yes 109 2 No 3877 Sysmiss 2 Are you a member of any group...? 3995 5 -9 Missing Data 11 1 Yes 1179 2 No 2805 Sysmiss 5 S11Q2A.1: What provisions have you made? 116 3884 -9 Missing Data 9 1 Covered by Employer 45 2 Funeral Insurance 24 3 Savings scheme 12 4 Funeral Fund 2 5 Agreement with Church 8 6 Other specify 16 Sysmiss 3884 S11Q2A.2: What provisions have you made? 7 3993 -9 Missing Data 0 1 Covered by Employer 0 2 Funeral Insurance 4 3 Savings scheme 0 4 Funeral Fund 1 5 Agreement with Church 0 6 Other specify 1 8 1 Sysmiss 3993 S11Q2A.3: What provisions have you made? 1 3999 -9 Missing Data 0 1 Covered by Employer 0 2 Funeral Insurance 0 3 Savings scheme 1 4 Funeral Fund 0 5 Agreement with Church 0 6 Other specify 0 Sysmiss 3999 S11Q2A.4: What provisions have you made? 1 3999 -9 Missing Data 0 1 Covered by Employer 0 2 Funeral Insurance 0 3 Savings scheme 0 4 Funeral Fund 1 5 Agreement with Church 0 6 Other specify 0 Sysmiss 3999 S11Q2A.5: What provisions have you made? 1 3999 -9 Missing Data 0 1 Covered by Employer 0 2 Funeral Insurance 0 3 Savings scheme 0 4 Funeral Fund 0 5 Agreement with Church 1 6 Other specify 0 Sysmiss 3999 S11Q2A.6: What provisions have you made? 1 3999 -9 Missing Data 0 1 Covered by Employer 0 2 Funeral Insurance 0 3 Savings scheme 0 4 Funeral Fund 0 5 Agreement with Church 0 6 Other specify 1 Sysmiss 3999 Why do you belong to such an organisation?... Business organisation 19 3981 -9 Missing Data 0 1 It is compulsory 1 2 To get advice 2 3 To exchange ideas 6 4 To socialise/meet friend 0 5 We have the same interest 6 6 They provide financial services I need 4 7 I can go to them if I need financial help 0 8 Other 0 Sysmiss 3981 Why do you belong to such an organisation?... Farmers association 60 3940 -9 Missing Data 0 1 It is compulsory 3 2 To get advice 8 3 To exchange ideas 12 4 To socialise/meet friend 1 5 We have the same interest 11 6 They provide financial services I need 8 7 I can go to them if I need financial help 6 8 Other 11 Sysmiss 3940 Why do you belong to such an organisation?... Market/traders association 19 3981 -9 Missing Data 0 1 It is compulsory 0 2 To get advice 5 3 To exchange ideas 5 4 To socialise/meet friend 4 5 We have the same interest 3 6 They provide financial services I need 0 7 I can go to them if I need financial help 0 8 Other 2 Sysmiss 3981 Why do you belong to such an organisation?... Cooperative 130 3870 -9 Missing Data 0 1 It is compulsory 3 2 To get advice 19 3 To exchange ideas 13 4 To socialise/meet friend 1 5 We have the same interest 36 6 They provide financial services I need 21 7 I can go to them if I need financial help 7 8 Other 30 Sysmiss 3870 Why do you belong to such an organisation?... Outgrower scheme 12 3988 -9 Missing Data 0 1 It is compulsory 0 2 To get advice 6 3 To exchange ideas 1 4 To socialise/meet friend 1 5 We have the same interest 1 6 They provide financial services I need 1 7 I can go to them if I need financial help 0 8 Other 2 Sysmiss 3988 Why do you belong to such an organisation?... Church / religious group 934 3066 -9 Missing Data 0 1 It is compulsory 16 2 To get advice 148 3 To exchange ideas 194 4 To socialise/meet friend 98 5 We have the same interest 306 6 They provide financial services I need 6 7 I can go to them if I need financial help 17 8 Other 149 Sysmiss 3066 Why do you belong to such an organisation?... Womens / mens group 47 3953 -9 Missing Data 0 1 It is compulsory 4 2 To get advice 7 3 To exchange ideas 16 4 To socialise/meet friend 7 5 We have the same interest 6 6 They provide financial services I need 5 7 I can go to them if I need financial help 1 8 Other 1 Sysmiss 3953 Why do you belong to such an organisation?... Political party 41 3959 -9 Missing Data 0 1 It is compulsory 2 2 To get advice 0 3 To exchange ideas 6 4 To socialise/meet friend 5 5 We have the same interest 27 6 They provide financial services I need 0 7 I can go to them if I need financial help 1 8 Other 0 Sysmiss 3959 Why do you belong to such an organisation?... Other specify 52 3948 -9 Missing Data 0 1 It is compulsory 3 2 To get advice 6 3 To exchange ideas 16 4 To socialise/meet friend 4 5 We have the same interest 8 6 They provide financial services I need 1 7 I can go to them if I need financial help 0 8 Other 14 Sysmiss 3948 Does club 1 provide this service?..... Lend money out to members when they need 182 3818 -9 Missing Data 9 1 Yes 59 2 No 114 Sysmiss 3818 Does club 1 provide this service?..... Lend money out to members when they need the money Does club 1 provide this service?..... Lend out money to non-members when they w 180 3820 -9 Missing Data 9 1 Yes 6 2 No 165 Sysmiss 3820 Does club 1 provide this service?..... Lend out money to non-members when they want to borrow Does club 1 provide this service?..... Give collected money to one member every 180 3820 -9 Missing Data 8 1 Yes 81 2 No 91 Sysmiss 3820 Does club 1 provide this service?..... Give collected money to one member every month Does club 1 provide this service?..... Keep the collected money for members and 180 3820 -9 Missing Data 9 1 Yes 20 2 No 151 Sysmiss 3820 Does club 1 provide this service?..... Keep the collected money for members and members can withdraw this money when they need it Does club 1 provide this service?..... Keep the collected money for members and 180 3820 -9 Missing Data 8 1 Yes 45 2 No 127 Sysmiss 3820 Does club 1 provide this service?..... Keep the collected money for members and give to members after a certain period of time Does club 1 provide this service?..... Buy assets as a group 180 3820 -9 Missing Data 9 1 Yes 22 2 No 149 Sysmiss 3820 Does club 1 provide this service?..... Buy assets for members 180 3820 -9 Missing Data 9 1 Yes 17 2 No 154 Sysmiss 3820 Does club 1 provide this service?..... Raise money for funerals for group member 180 3820 -9 Missing Data 9 1 Yes 26 2 No 145 Sysmiss 3820 Does club 1 provide this service?..... Raise money for funerals for group members Does club 1 provide this service?..... Raise money for other emergencies for mem 180 3820 -9 Missing Data 9 1 Yes 47 2 No 124 Sysmiss 3820 Does club 1 provide this service?..... Raise money for other emergencies for members Does club 1 provide this service?..... Act as guarantor when members want to bor 180 3820 -9 Missing Data 9 1 Yes 17 2 No 154 Sysmiss 3820 Does club 1 provide this service?..... Act as guarantor when members want to borrow money somewhere else Does club 2 provide this service? Lend money out to members when they need the m 8 3992 -9 Missing Data 2 1 Yes 1 2 No 5 Sysmiss 3992 Does club 2 provide this service? Lend money out to members when they need the money Does club 2 provide this service? Lend out money to non-members when they want t 7 3993 -9 Missing Data 2 1 Yes 0 2 No 5 Sysmiss 3993 Does club 2 provide this service? Lend out money to non-members when they want to borrow Does club 2 provide this service? Give collected money to one member every month 7 3993 -9 Missing Data 2 1 Yes 1 2 No 4 Sysmiss 3993 Does club 2 provide this service? Give collected money to one member every month Does club 2 provide this service? Keep the collected money for members and membe 7 3993 -9 Missing Data 2 1 Yes 1 2 No 4 Sysmiss 3993 Does club 2 provide this service? Keep the collected money for members and members can withdraw this money when they need it Does club 2 provide this service? Keep the collected money for members and give 7 3993 -9 Missing Data 2 1 Yes 1 2 No 4 Sysmiss 3993 Does club 2 provide this service? Keep the collected money for members and give to members after a certain period of time Does club 2 provide this service? Buy assets as a group 7 3993 -9 Missing Data 2 1 Yes 1 2 No 4 Sysmiss 3993 Does club 2 provide this service? Buy assets for members 7 3993 -9 Missing Data 2 1 Yes 0 2 No 5 Sysmiss 3993 Does club 2 provide this service? Raise money for funerals for group members 7 3993 -9 Missing Data 2 1 Yes 1 2 No 4 Sysmiss 3993 Does club 2 provide this service? Raise money for other emergencies for members 7 3993 -9 Missing Data 2 1 Yes 0 2 No 5 Sysmiss 3993 Does club 2 provide this service? Raise money for other emergencies for members Does club 2 provide this service? Act as guarantor when members want to borrow m 7 3993 -9 Missing Data 2 1 Yes 1 2 No 4 Sysmiss 3993 Does club 2 provide this service? Act as guarantor when members want to borrow money somewhere else S11Q1H.1: Why do you belong to a saving club? 180 3820 -9 Missing Data 5 1 Because I inherited the position from my parents 0 2 It is compulsory for people in my tribe or village 3 3 To socialise or meet friends 16 4 They give me financial advice 21 5 I can turn to them when in financial need 34 6 To exchange ideas with other members 21 7 Forces me to participate and support my group members 0 8 I can get money easily when I need it 14 9 Because I trust and know them 0 10 To borrow money 2 11 It's close or easy to get to 1 12 It's easy to become a member 6 13 I don't get charged fees 3 14 It is an easy way of saving 40 15 Other specify 14 Sysmiss 3820 S11Q1H.2: Why do you belong to a saving club? 67 3933 -9 Missing Data 0 1 Because I inherited the position from my parents 0 2 It is compulsory for people in my tribe or village 0 3 To socialise or meet friends 1 4 They give me financial advice 2 5 I can turn to them when in financial need 15 6 To exchange ideas with other members 9 7 Forces me to participate and support my group members 1 8 I can get money easily when I need it 11 9 Because I trust and know them 4 10 To borrow money 0 11 It's close or easy to get to 1 12 It's easy to become a member 4 13 I don't get charged fees 4 14 It is an easy way of saving 10 15 Other specify 5 Sysmiss 3933 S11Q1H.3: Why do you belong to a saving club? 30 3970 -9 Missing Data 0 1 Because I inherited the position from my parents 0 2 It is compulsory for people in my tribe or village 0 3 To socialise or meet friends 0 4 They give me financial advice 0 5 I can turn to them when in financial need 1 6 To exchange ideas with other members 4 7 Forces me to participate and support my group members 0 8 I can get money easily when I need it 5 9 Because I trust and know them 4 10 To borrow money 2 11 It's close or easy to get to 1 12 It's easy to become a member 5 13 I don't get charged fees 2 14 It is an easy way of saving 5 15 Other specify 1 Sysmiss 3970 S11Q1H.4: Why do you belong to a saving club? 17 3983 -9 Missing Data 0 1 Because I inherited the position from my parents 0 2 It is compulsory for people in my tribe or village 0 3 To socialise or meet friends 0 4 They give me financial advice 0 5 I can turn to them when in financial need 0 6 To exchange ideas with other members 1 7 Forces me to participate and support my group members 0 8 I can get money easily when I need it 3 9 Because I trust and know them 0 10 To borrow money 4 11 It's close or easy to get to 1 12 It's easy to become a member 2 13 I don't get charged fees 0 14 It is an easy way of saving 6 15 Other specify 0 Sysmiss 3983 S11Q1H.5: Why do you belong to a saving club? 8 3992 -9 Missing Data 0 1 Because I inherited the position from my parents 0 2 It is compulsory for people in my tribe or village 0 3 To socialise or meet friends 0 4 They give me financial advice 0 5 I can turn to them when in financial need 0 6 To exchange ideas with other members 0 7 Forces me to participate and support my group members 0 8 I can get money easily when I need it 0 9 Because I trust and know them 2 10 To borrow money 1 11 It's close or easy to get to 1 12 It's easy to become a member 1 13 I don't get charged fees 1 14 It is an easy way of saving 2 15 Other specify 0 Sysmiss 3992 S11Q1H.6: Why do you belong to a saving club? 3 3997 -9 Missing Data 0 1 Because I inherited the position from my parents 0 2 It is compulsory for people in my tribe or village 0 3 To socialise or meet friends 0 4 They give me financial advice 0 5 I can turn to them when in financial need 0 6 To exchange ideas with other members 0 7 Forces me to participate and support my group members 0 8 I can get money easily when I need it 0 9 Because I trust and know them 0 10 To borrow money 0 11 It's close or easy to get to 0 12 It's easy to become a member 2 13 I don't get charged fees 0 14 It is an easy way of saving 1 15 Other specify 0 Sysmiss 3997 S11Q1H.7: Why do you belong to a saving club? 1 3999 -9 Missing Data 0 1 Because I inherited the position from my parents 0 2 It is compulsory for people in my tribe or village 0 3 To socialise or meet friends 0 4 They give me financial advice 0 5 I can turn to them when in financial need 0 6 To exchange ideas with other members 0 7 Forces me to participate and support my group members 0 8 I can get money easily when I need it 0 9 Because I trust and know them 0 10 To borrow money 0 11 It's close or easy to get to 0 12 It's easy to become a member 0 13 I don't get charged fees 0 14 It is an easy way of saving 1 15 Other specify 0 Sysmiss 3999 Which of the following statements best described how you fee 3988 12 -9 Missing Data 16 1 Your life is very close to your ideal 866 2 Your life is fairly close to your ideal 1548 3 Your life is not very close to your ideal 1020 4 Your life is not at all close to your ideal 471 5 Do not know 67 Sysmiss 12 Do you generaly feel that your life is 3995 5 -9 Missing Data 8 1 getting better 1581 2 Getting worse 659 3 Not geting better or worse 1653 4 Does not know 94 Sysmiss 5 Would you please tell me , in the past year did any member o 3999 1 -9 Missing Data 4 1 Yes 550 2 No 3445 Sysmiss 1 Did you loose th main income earner/breadwinner of the house 552 3448 -9 Missing Data 12 1 Yes 113 2 No 427 Sysmiss 3448 You have rather a boring life 3998 2 -9 Missing Data 7 1 Yes 1152 2 Not true 2839 Sysmiss 2 So far you are satisfied with what you have achieved in your life 3998 2 -9 Missing Data 9 1 Yes 1502 2 Not true 2487 Sysmiss 2 You feel you are a failure 3998 2 -9 Missing Data 7 1 Yes 626 2 Not true 3365 Sysmiss 2 You feel lonely 3998 2 -9 Missing Data 7 1 Yes 1004 2 Not true 2987 Sysmiss 2 You feel alive and energetic 3998 2 -9 Missing Data 7 1 Yes 3467 2 Not true 524 Sysmiss 2 You can't afford to eat the correct kinds of foods 3998 2 -9 Missing Data 9 1 Yes 2185 2 Not true 1804 Sysmiss 2 You do not think people think much of you or respect you much 3998 2 -9 Missing Data 11 1 Yes 1142 2 Not true 2845 Sysmiss 2 Generally you are a happy and cheerful person 3998 2 -9 Missing Data 8 1 Yes 3586 2 Not true 404 Sysmiss 2 You feel anxious, tense and a sense of panic 3998 2 -9 Missing Data 10 1 Yes 975 2 Not true 3013 Sysmiss 2 You do not know very many people 3998 2 -9 Missing Data 7 1 Yes 1120 2 Not true 2871 Sysmiss 2 People very seldom ask you for advice 3997 3 -9 Missing Data 9 1 Yes 1990 2 Not true 1998 Sysmiss 3 You do not feel you really belong - you want to be more accepted 3997 3 -9 Missing Data 10 1 Yes 1034 2 Not true 2953 Sysmiss 3 Sometimes you feel quite frightened 3998 2 -9 Missing Data 11 1 Yes 1422 2 Not true 2565 Sysmiss 2 You regard yourself as a spiritual person 3998 2 -9 Missing Data 6 1 Yes 3113 2 Not true 879 Sysmiss 2 You do not really have a close relationship with anyone 3998 2 -9 Missing Data 9 1 Yes 827 2 Not true 3162 Sysmiss 2 You have many dreams in life but will never achieve them 3998 2 -9 Missing Data 14 1 Yes 1708 2 Not true 2276 Sysmiss 2 You often feel calm or serene 3998 2 -9 Missing Data 10 1 Yes 3072 2 Not true 916 Sysmiss 2 You have family and friends to turn to whenever you need them 3998 2 -9 Missing Data 9 1 Yes 3750 2 Not true 239 Sysmiss 2 Your life has meaning and purpose 3998 2 -9 Missing Data 10 1 Yes 3797 2 Not true 191 Sysmiss 2 You would like to leave a legacy for your children 3994 6 -9 Missing Data 13 1 True 3116 2 Not true 309 3 Don't know 556 Sysmiss 6 You have hope for the future 3992 8 -9 Missing Data 11 1 True 3485 2 Not true 335 3 Don't know 161 Sysmiss 8 Your family life is important to you 3992 8 -9 Missing Data 10 1 True 3851 2 Not true 85 3 Don't know 46 Sysmiss 8 You feel that you can achieve more with your life 3992 8 -9 Missing Data 18 1 True 3201 2 Not true 601 3 Don't know 172 Sysmiss 8 You have many dreams in life but feel that you may not achieve them 3992 8 -9 Missing Data 14 1 True 1743 2 Not true 1988 3 Don't know 247 Sysmiss 8 Other people are often jealous of your success 3992 8 -9 Missing Data 13 1 True 1086 2 Not true 1777 3 Don't know 1116 Sysmiss 8 You would rather hide your success 3992 8 -9 Missing Data 15 1 True 714 2 Not true 3035 3 Don't know 228 Sysmiss 8 You like to attend community events such as weddings and engagements 3992 8 -9 Missing Data 13 1 True 2182 2 Not true 1652 3 Don't know 145 Sysmiss 8 Financial success gives you status 3992 8 -9 Missing Data 14 1 True 1828 2 Not true 1589 3 Don't know 561 Sysmiss 8 You do not get bothered with other people's problems 3992 8 -9 Missing Data 11 1 True 858 2 Not true 3023 3 Don't know 100 Sysmiss 8 S13Q5BD.1: How old was/ were these persons? 532 3468 -9 Missing Data 10 1 16 years or older 358 2 6-15 years 56 3 5 years and younger 108 Sysmiss 3468 S13Q5BD.2: How old was/ were these persons? 10 3990 -9 Missing Data 0 1 16 years or older 0 2 6-15 years 8 3 5 years and younger 2 Sysmiss 3990 S13Q5BD.3: How old was/ were these persons? 13 3987 -9 Missing Data 0 1 16 years or older 0 2 6-15 years 0 3 5 years and younger 13 Sysmiss 3987 4000 0 24.577 12813.874 Current bank status 4000 0 1 Have/use a bank product 589 2 Dont currently have/use a bank product but used to have in the past 132 3 Have never had a bank product 3279 Financial access strand 4000 0 1 Have/use a bank product 589 2 Dont have/use a bank product but have/use a financial product from a formal non-bank FI 360 3 Dont have/use a formal financial product but have an informal financial product 595 4 Dont have/use any financial product 2456 Reason 1204 2796 -9 Missing Data 0 1 Medical expenses/medical emergencies 170 2 An emergency other than medical 132 3 A wedding or lobola 6 4 Funeral expenses 29 5 Education or school fees (self or others) 137 6 Living expenses when you did not have money 336 7 To pay water/electricity/telephone bills 1 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 103 9 To buy household goods such as fridge, stove, etc 39 10 Paying off another debt 3 11 Buying land 8 12 Buying or building a dwelling for you to live in 22 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 14 15 Buying household appliances, goods or furniture 14 16 Buying livestock 1 17 Buying farming equipment or implements 6 18 Buying a bicycle, motorcycle, car, truck or other transport 5 19 Starting or expanding your business 67 20 Putting money or goods into someone else's business 3 21 To take care of a sick relative/relatives 23 22 For another person to use 17 23 Other specify 68 Sysmiss 2796 Reason 236 3764 -9 Missing Data 0 1 Medical expenses/medical emergencies 2 2 An emergency other than medical 32 3 A wedding or lobola 0 4 Funeral expenses 8 5 Education or school fees (self or others) 17 6 Living expenses when you did not have money 75 7 To pay water/electricity/telephone bills 5 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 24 9 To buy household goods such as fridge, stove, etc 7 10 Paying off another debt 2 11 Buying land 2 12 Buying or building a dwelling for you to live in 3 13 Buying a dwelling or land to rent out 1 14 Improving or renovating your dwelling 2 15 Buying household appliances, goods or furniture 6 16 Buying livestock 2 17 Buying farming equipment or implements 3 18 Buying a bicycle, motorcycle, car, truck or other transport 1 19 Starting or expanding your business 8 20 Putting money or goods into someone else's business 2 21 To take care of a sick relative/relatives 12 22 For another person to use 10 23 Other specify 12 Sysmiss 3764 Reason 51 3949 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 13 4 Funeral expenses 1 5 Education or school fees (self or others) 2 6 Living expenses when you did not have money 6 7 To pay water/electricity/telephone bills 2 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 6 9 To buy household goods such as fridge, stove, etc 2 10 Paying off another debt 1 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 2 15 Buying household appliances, goods or furniture 1 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 1 19 Starting or expanding your business 3 20 Putting money or goods into someone else's business 1 21 To take care of a sick relative/relatives 4 22 For another person to use 5 23 Other specify 1 Sysmiss 3949 Reason 17 3983 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 11 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 2 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 2 9 To buy household goods such as fridge, stove, etc 1 10 Paying off another debt 1 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3983 Reason 13 3987 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 11 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 2 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3987 Reason 12 3988 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 11 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 1 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3988 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 11 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 11 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 11 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 11 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 11 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 11 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 11 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 11 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 11 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 11 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 11 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 11 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 10 21 To take care of a sick relative/relatives 1 22 For another person to use 0 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 10 22 For another person to use 1 23 Other specify 0 Sysmiss 3989 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 10 23 Other specify 1 Sysmiss 3989 Reason 13 3987 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 0 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 12 24 1 Sysmiss 3987 Reason 11 3989 -9 Missing Data 0 1 Medical expenses/medical emergencies 0 2 An emergency other than medical 0 3 A wedding or lobola 0 4 Funeral expenses 0 5 Education or school fees (self or others) 0 6 Living expenses when you did not have money 0 7 To pay water/electricity/telephone bills 0 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 0 9 To buy household goods such as fridge, stove, etc 0 10 Paying off another debt 0 11 Buying land 0 12 Buying or building a dwelling for you to live in 0 13 Buying a dwelling or land to rent out 0 14 Improving or renovating your dwelling 11 15 Buying household appliances, goods or furniture 0 16 Buying livestock 0 17 Buying farming equipment or implements 0 18 Buying a bicycle, motorcycle, car, truck or other transport 0 19 Starting or expanding your business 0 20 Putting money or goods into someone else's business 0 21 To take care of a sick relative/relatives 0 22 For another person to use 0 23 Other specify 0 Sysmiss 3989