zmb-fsdz-zamfin-2015-v1.1 DDI_ZMB_2015_FSDZ_v01_M DataFirst 2019-08-22 Nesstar Publisher Version 01 (October 2019). This version is identical to DataFirst documentation version (zmb-fsdz-zamfs-2015-v1.1) except for the following fields that were edited by the World Bank: Document ID and Study ID. FinScope 2015 Financial Inclusion FS 2015 ZMB_2015_FSDZ_v01_M Financial Sector Deepening Zambia Bank of Zambia Nesstar Publisher Government of Finland 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. 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. Zambia National Coverage Individuals The survey covered all usual household residents age 16 and above in Zambia. Sample survey data [ssd] Ipsos Zambia Much like the preceding FinScope surveys the one conducted in 2015 used a complex sample survey design with multi-stage cluster sampling. Unlike in previous FinScope surveys, however, the sample was drawn from the frame generated by the 2010 population census and not the 2000 census. Stratification was done at the province and urban/rural levels before cluster sampling was performed using enumerator areas as PSUs. 866 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. Face-to-face [f2f] In addition to data quality control measures implemented around collection, final checks were also conducted once fieldwork concluded. The report is not specific on the data cleaning processes undertaken. 99% The data file received by DataFirst is two observations short of what was expected. That is, there are 3998 observations in the data file when there should be 4000. DataFirst Financial Sector Deepening Zambia. Zambia FinScope 2015 [dataset]. Version 1. Lusaka: Financial Sector Deepening Zambia [producer], March 2015. Place: Distributor [distributor], 2017. 10.25828/armt-xr43. Public use files, available to all zmb-zambia-finscope-2015-v1.1-stata11.NSDstat 2015 FinScope survey data 8571 991 Nesstar 200801 Unique questionnaire number 8570 1 17192657 18775114 Urban-rural distribution 8479 92 1 Rural 3597 2 Urban 4882 Sysmiss 92 Province code 8479 92 1 Central 723 2 Copperbelt 1255 3 Eastern 831 4 Luapula 757 5 Lusaka 1446 6 Muchinga 623 7 North western 623 8 Northern 730 9 Southern 850 10 Western 641 Sysmiss 92 Province 8479 0 Central 723 Copperbelt 1255 Eastern 831 Luapula 757 Lusaka 1446 Muchinga 623 North Western 623 Northern 730 Southern 850 Western 641 District 8479 0 Chadiza 40 Chama 60 Chavuma 30 Chibombo 122 Chiengi 86 Chililabombwe 60 Chilubi 40 Chingola 141 Chinsali 106 Chipata 330 Choma 140 Chongwe 150 Gwembe 20 Ikelenge 10 Isoka 90 Itezhi-Tezhi 40 Kabompo 99 Kabwe 221 Kafue 175 Kalabo 70 Kalomo 100 Kalulushi 60 Kaoma 117 Kapiri Mposhi 130 Kaputa 50 Kasama 230 Kasempa 36 Katete 110 Kawambwa 100 Kazungula 30 Kitwe 323 Livingstone 150 Luangwa 20 Luanshya 110 Lufwanyama 55 Lukulu 26 Lundazi 127 Lusaka 1101 Luwingu 70 Mafinga 29 Mambwe 39 Mansa 231 Masaiti 61 Mazabuka 140 Mbala 110 Milenge 10 Mkushi 71 Mongu 220 Monze 90 Mpika 180 Mpongwe 63 Mporokoso 60 Mpulungu 90 Mufulira 100 Mufumbwe 36 Mumbwa 109 Mungwi 80 Mwense 90 Mwinilunga 70 Nakonde 158 Namwala 40 Nchelenge 130 Ndola 282 Nyimba 30 Petauke 155 Samfya 110 Senanga 89 Serenje 70 Sesheke 79 Shangombo 40 Siavonga 60 Sinazongwe 40 Solwezi 282 Zambezi 60 A6. How many people are in this household? 8470 101 1 486 2 747 3 1122 4 1369 5 1333 6 1099 7 827 8 597 9 362 10 234 11 89 12 80 13 50 14 28 15 18 16 10 17 8 18 3 19 2 20 6 Sysmiss 101 Number of adults in the HH 8479 92 0 9 1 1414 2 4307 3 1528 4 681 5 323 6 126 7 51 8 24 9 11 10 2 11 1 12 2 Sysmiss 92 Number of adults 16 years or older who do not qualify 8479 92 0 5628 1 1932 2 569 3 222 4 85 5 26 6 11 7 6 Sysmiss 92 Number of adults 16 years or older who qualify 8479 92 0 9 1 3434 2 3442 3 997 4 370 5 121 6 68 7 20 8 13 9 2 10 1 11 2 Sysmiss 92 Respondent interview status 8479 92 1 Originally sampled respondent 8285 2 Replaced respondent 194 Sysmiss 92 Respondent inteview language 8479 92 1 Bemba 2670 2 Nyanja 1496 3 Tonga 291 4 Lozi 453 5 Lunda 118 6 Kaonde 99 7 Luvale 93 8 English 3259 Sysmiss 92 1.1. Who is the head of this household? 8471 100 1 Respondent is the head of the household 4312 2 Respondent is not head of household 4159 Sysmiss 100 1.1.1. How old is the head of the household? 4160 4411 16 999 1.1.2. Head of household gender 4160 4411 1 Male 3442 2 Female 718 Sysmiss 4411 1.1.3. Head of household marital status 4160 4411 1 Never married 224 2 Married 3400 3 Cohabiting 8 4 Separated 71 5 Divorced 109 6 Widowed 344 7 Don't know (Don't read out) 4 Sysmiss 4411 1.1.4. Head of the household hghest level of education achieved 4160 4411 1 No formal education 252 2 Grade 1 - 4 226 3 Grade 5 -7 877 4 Grade 8 - 9 973 5 Grade 10 - 12 (O-level) 1091 6 Grade 12 (A-level)/Certificate/Diploma (undergraduate) 634 7 Degree (postgraduate) & above 107 Sysmiss 4411 1.1.5. What is the relationship of the head of the household to you? Is he/she y 4160 4411 1 Spouse/partner 2591 2 Parent/parent-in-law 606 3 Child 365 4 Grandparent 92 5 Relative 415 6 Other (Don't read out) 91 Sysmiss 4411 1.1.5. What is the relationship of the head of the household to you? Is he/she your ...? 1.2. Respondent age 8479 92 16 99 1.3. Respondent gender 8479 92 1 Male 3222 2 Female 5257 Sysmiss 92 1.4. Respondent marital status 8479 92 1 Single/Have never been married 1904 2 Married 5214 3 Cohabiting 32 4 Separated 230 5 Divorced 402 6 Widowed 680 7 Refused (Don't read out) 17 Sysmiss 92 1.5. Respondent highest level of education 8479 92 1 No formal education 557 2 Grade 1 - 4 743 3 Grade 5 - 7 2347 4 Grade 8 - 9 2025 5 Grade 10 - 12(O-level) 1862 6 Grade 12 (A-level)/Certificate/Diploma (undergraduate) 861 7 Degree (postgraduate) & above 84 Sysmiss 92 1.6.1. Are all household members ages 7 to 16 currently attending school? 7985 586 1 No 1494 2 Yes 4912 3 No one 7 to 16 1579 Sysmiss 586 1.6.2. What is the highest grade that the female head of the household/spouse of 8479 92 1 None, or first to fifth grade 2061 2 Sixth grade 717 3 Seventh to ninth grade 2961 4 No female head/spouse 916 5 Tenth grade or higher 1824 Sysmiss 92 1.6.2. What is the highest grade that the female head of the household/spouse of the male head of the household attained? 1.6.3. What kind of building material is the floor of this house mainly made of? 8479 92 1 Mud, wood only, or other 3571 2 Concrete, or covered concrete 4908 Sysmiss 92 1.6.4. What kind of building material is the roof of the house mainly made of? 8479 92 1 Grass/straw/thatch, or other 2598 2 Iron sheets, or other non-asbestos tiles 4447 3 Concrete, asbestos sheets, or asbestos tiles 1434 Sysmiss 92 1.6.5. What is the main type of energy that your household uses for cooking? 8479 92 1 Firewood, coal, crop/livestock residues, or other 2974 2 Charcoal 4077 3 Gas, electricity, solar, or kerosene/paraffin 1428 Sysmiss 92 1.6.6. Does your household own any televisions, DVDs/VCRs or home theatres, or s 8479 92 1 No TVs (regardless of others) 4513 2 TV, but nothing else 748 3 TV, and something else (DVD, dish etc.) 3218 Sysmiss 92 1.6.6. Does your household own any televisions, DVDs/VCRs or home theatres, or satellite dish/decoders (free to air, or DSTV) or other pay-TV arrangements? 1.6.7. Does your household own any non-electric or electric irons? 8479 92 1 None 3244 2 Only non-electric 2784 3 Electric, or both electric and non-electric 2451 Sysmiss 92 1.6.8. How many beds and mattresses do your household own? 8479 92 1 None i.e. no beds and no mattresses 1082 2 One or more beds, but no mattresses 816 3 One mattress (regardless of beds) 2473 4 Two or more mattresses (regardless of beds) 4025 5 refusal 83 Sysmiss 92 1.6.9. Does any member of your household own a mobile phone? 8479 92 1 Yes 6683 2 No 1796 Sysmiss 92 1.7.1. Do you have access to a mobile phone (i.e. is there a phone that you can 8479 92 1 Yes 6849 2 No 1630 Sysmiss 92 1.7.1. Do you have access to a mobile phone (i.e. is there a phone that you can use if you wanted to)? 1.7.2. Do you have access to a computer? 8479 92 1 Yes 975 2 No 7504 Sysmiss 92 1.7.3. Do you have access to the internet? 8479 92 1 Yes 1320 2 No 7159 Sysmiss 92 1.7.4. Do you personally own a working mobile phone? 6849 1722 1 Yes 5325 2 No 1524 Sysmiss 1722 1.7.5a. Do you use a mobile phone that belongs to somebody else? 1524 7047 1 Yes 1428 2 No 96 Sysmiss 7047 1.7.5b. What is the main reason why you don't have or use a mobile phone? 96 8475 1 I don't have anyone to call 2 2 Spouse does not allow me 2 3 Parents do not allow me 3 4 Other family members do not allow me 0 5 Using a phone is against my culture/religion 0 6 I don't have money to buy phone 27 7 I don't have money to pay for airtime 1 8 There is no network where I live/work 4 9 Worry about what people in community would think 0 10 I don't have a need to use a phone 3 11 No specific reason 10 12 Other 44 Sysmiss 8475 1.7.6a. Do you personally have a SIM card that you can use when you need to? 1428 7143 1 Yes 410 2 No 1018 Sysmiss 7143 1.7.6b. Can you use it when you need to? 410 8161 1 Yes 376 2 No 34 Sysmiss 8161 1.8.1. Household dwelling ownership status 8479 92 1 You own this house 3516 2 A member of your household owns this house 1502 3 You/your household rent this house 2431 4 This house is provided to you/your household rent free 883 5 Other 147 Sysmiss 92 1.8.2a. How did you get the house? 3516 5055 1 Bought it 469 2 Built it 2570 3 Family bought/built it 214 4 Inherited it 231 5 Other 32 Sysmiss 5055 1.8.2b. Where did you get most of the money from to buy/build the house? 3039 5532 1 Mortgage from building society 3 2 Loan from bank 37 3 Loan from microfinance institution (MFI) such as Finca 0 4 Loan from a moneylender such as Blue, Bayport 2 5 Loan from a SACCO 0 6 Loan from government housing scheme 9 7 Borrowed from savings group 2 8 Borrowed from someone in your community who lends money to o 2 9 Borrowed from family/friends 26 10 Own savings 1006 11 Money from a Chilimba 0 12 Inherited some money 38 13 Pension lump sum/terminal benefits payment 130 14 Using cash when had cash 812 15 Other, specify 972 Sysmiss 5532 971 A family member bought for him 1 A friend of mine built it for me as a gift 1 A repatriation to buy the house 1 After we sold sunflower 1 Agricultural 1 Agriculture 1 Bought it from company using the pay role 1 Built all by self 1 Built by brother freely 1 Built by himself 1 Built by the husband who the head of the other hh. 1 Built it alone with the help of family members 1 Built it by himself 1 Built it himself didn't use any money 1 Built it himself with material from the forests 1 Built it on my own. used natural resources. 1 Built it ourselves 1 Built it with no expense at all. I built it alone. 1 Built myself 1 Built myself didn't buy any materials cause I got them from the bush 1 Built ourselves 1 Business 2 By own strength 1 Cash from farming activities 1 Children built it for him 1 Children gave me the money. 1 Cut from husband's salary when he was still workinh 1 Did not use any money 1 Did not use any money to build the house I made the blocks and made it on my own 1 Didn't use any money 1 Didn't use any money to build it 1 Didn't use any money to build the house 1 Does fish business 1 Doesn't know how the parents go the money 1 Doing different piece works 1 Don't know 2 Farming 5 From Agriculture 1 From Business 1 From Farm products that I sold and made some money 1 From Farming 2 From business 1 From city council 1 From early redundancy 1 From farming 5 From farming income 1 From her family 1 From husband 1 From my business 2 From my children 1 From my husband's business 1 From rentals of the other house 1 From the farm 1 Funds from sister 1 Given by a family member 1 Given by brother 1 Got everything from the forest to build it 1 Got materials from the bush 2 Got thatch from the Bush and built it 1 Got wood from the Bush and asked people to build for me. 1 Grandmother received pension to build the house they live in 1 Had to cut trees in the Bush. 1 He didn't use any money, he just built it 2 He didn't use any money, he just built it . 1 He didn't use any money, he just built it. 2 Help from missionary 1 Help from people. 1 Her Husband Built it, they didn't use any money. 1 Her Son gave her money and she used it to build 1 Her father works. 1 Her husband bought it. 1 Husband sold a cow to buy the materials 1 Husband went in the Bush to collect what to use for building 1 Husband worked to get the money to buy building materials 1 Husband's money 1 I built it alone and some little money was from looking after cows 1 I built it by myself 1 I built it from the money i get from piecework 1 I built it myself 3 I built it on my own 1 I built it on my own using raw materials 1 I built it on my own without any expenses 1 I built it using my own hands 1 I built it using my own hands with mud 1 I built it using my strength and raw materials. 1 I built it using row materials. 1 I built it with my hands 1 I built it with my on have 1 I built it without any money 2 I built it without using any money 3 I built myself. 1 I built on my own 1 I built the by own strength by myself 1 I built the house by myself 1 I built this house from the money i get from farming produce 1 I built this house from the money i get from selling fish 1 I built this house with my hands 1 I built using my own energy. I am brick layer. 1 I built with my hands 2 I can't remember cause am growing old 1 I collected most of the things from the forest 1 I did everything my self 1 I did not spend any money because I got the materials for free. 1 I did not use any money 1 I did not use any money I built using mud and thatch 1 I did piece work 1 I didn't not use any money. 1 I didn't use any money to build my house, I made my own bricks and I personally built the house. There wasn't any need f 1 I didn't use any money to build my house, I personally made the bricks using soil from the hills then I built the house 1 I didn't use any money, I built it myself by using the natural marerial or resources such as trees, grass and etc). 1 I do business I sell beer 1 I do business,beer selling,and fish 1 I do pieceworks 1 I don't know 3 I earned money from doing piece works 1 I exchanged some material items in exchange for the materials I used to build this house 1 I found it built by my husband 1 I got it from farming 1 I got the building materials from the bush 1 I had a business by that time 1 1 I just made the bricks and bult 1 I just used my manpower no costs were involved 1 I just used what mother nature offered 1 I made my own bricks and I built it 1 I make and sell beer 1 I never used money just went to take grass alone 1 I only paid a k60 to build this house which I got from fishing 1 I personally built it without engaging anybody. 1 I sold charcoal 1 I sold chickens for me to build this house 1 I sold maize 1 I sold some maize and bought iron sheets 1 I sold the crops 1 I used money from my business when I had it. 1 I used some of my money and some came from my relatives 1 I used the money I got from farming. 1 I used the resources from nature. 1 I used to go in the Bush to gather grass and build 1 I used to make my own bricks with my children who have since left to marry 1 I used to sell vegetables and chicken pieces that's when I built this house 1 I used. my own Labour. to build my house 1 I was a miner 1 I was doing piece works to raise money 1 I was doing some business which helped me 1 I was given money by my mom 1 I was just given by my x husband 1 I was working 1 I was working for FRA that's where I got my wages from 1 It was a gift from a family member 1 It's family house,so I don't know exactly 1 Just built it without cash 1 Just built the house without using money 1 Loan from my employer 1 Made bricks for himself and went in the customer the grass for thatching 1 Money came from Farming 1 Money came the children who do not live in respondent house 1 Money earned from piece works 1 Money from business ventures 1 Money from farm produce 2 Money from farm products sold 1 Money from selling Charcoal 1 Mother built it when she was still working with some construction company 1 Mother's money from her business 1 Mum used her savings to buy it 1 My child built it for me 1 My children are the ones who gave me the money 1 My children bought for me 1 My children built it for me 2 My children built the house for me 1 My children sent the money to me 1 My husband built it on his own 1 My siblings help to build it 1 My son built it for me 1 My son built the house 1 My son built the house for me 1 Not Much money was spent, i used my own man power 1 Own savings 1 Own savings through farming... 1 Parent built it for her 1 Pension 1 Piece Works 1 Played the builders in kind 1 Respondents late husband bought the house from City Council bond 1 Salaries 1 Savings she was doing with the husband 1 Self built 1 She gave the the brick layer some chickens to have the house built 1 She has gotten 1 She sold her father's property. 1 Social cush Transfer 1 Sold a cow 1 Sold some crop 1 Sold the maize that i had 1 Sold the other house in Livingstone and built another in Chongwe 1 Sold two chickens and bought the house 1 Somebody built it for me without having to pay any money 1 Son built it for her 2 Son in law built it for them 1 Terminal benefits 1 The Council used to give them building materials as a loan 1 The Seventh-day Adventist church covered expenses for the building of my house. 1 The father is a business man that's where he got the money from 1 The money came from the husband's salary 1 The parents gave him the money for building the house 1 Through Farming 3 Through Farming produce 1 Through Farming produce I sold cotton 1 Through payroll deductions for six years on monthly basis 1 Used Money from Agriculture proceds 1 Used profits from the. business 1 Wages from piece works 1 We built it ourselves and never used any money 1 We got the building materials from the bush 1 We made our own building blocks using mud the for the roof we got the grass from the bush 1 Will sold the other house 1 a child built for me 1 after husband divorced he built the hose for her 1 after selling farm produce we used the money for building a house 1 after selling maize harvest the respondent financed the building of his house 1 after selling my farming produce 1 allowance 1 am husband was main so will hand access to get house 1 am in law built from am 1 at no cost because we bake our own bricks with straw 1 bee keeping 1 beer brewing 3 beer making 1 belt himself 1 belt it in there on 1 benefits from husband 1 benefits my husband got when he was working for zccm 1 bought using funds from RH Company 1 brew beers in exchange for building services 1 build themselves 8 built by husbands savings 1 built by one of children i used to keep 1 built for himself 1 built house with made bricks and was given roofing sheets by relatives 1 built it by himself 2 built it by myself 4 built it himself 6 built it in his own 1 built it myself 10 built it myself by gathering bricks 1 built it myself using my hands and got the grass myself 1 built it myself without any money needed 1 built it on his own 1 built it on our own 1 built it physically 1 built it using own hands 1 built it without buying 1 built it, no need to buy bricks. we just made them 1 built on my own 1 built ot without anyone's help 1 built the house on her own 1 built this house without any money. 1 built with her own money 1 built with my on hands 2 burnt bricks and sold them and used that money. to build the house 1 burnt the bricks my self 4 business 10 business of food supplying 1 bussness 1 buy selling rice 1 by doing business 1 by fishing. 1 by making beer. 1 by piece work. 1 children built for me 1 children built it 1 children sent us money 1 church helped 1 collected building materials from nature 1 collected from nature 1 collected thatch and clay 1 cut grass by myself and dug soil on my own 1 did a piece of work to the person built my house 1 did everything on my own to build the house 1 did not need any money 3 did not need any, here in the village you can build a house with any need of money 1 did not use any money 4 did not use any money built it myself 1 did not use any money.used natural resources 1 did piece work 1 did some bussiness 1 did some piece work. 1 did the work alone without money 1 didn't pay any one 1 didn't require any money to build 1 didn't spend any money on it 1 didn't spend on it 2 didn't use any money 1 dint use any money 1 doing business 1 don't know 1 don't no 1 family gave him. 1 2 family member built for us 1 family member gave her money to buy 1 farm 1 farm produce 1 farm produce sale of maize 1 farm product sells 1 farming 66 farming and business 1 farming and sale farm produce 1 farming different crops 1 farming income 8 farming produce 1 father come and built it 1 fisher man 1 fishing 3 for free 1 friends gave me the money NOT lent 1 from Livestock farming 1 from Livestock farming and vegetable farming. 1 from a bussness 1 from am framing 1 from bisness 1 from bricks 1 from business 4 from business. 1 from cherch 1 from children 1 from church helpers 1 from family member 1 from farming 37 from farming (growing rice and selling it) 1 from farming activities 1 from farming income 7 from farming inputs 1 from farming produce 1 from farming. 1 from fishing 4 from fishing business 4 from foundation to roofing just used his Labour and materials 1 from her daughter 1 from ma business 2 from money i got from farming activities 1 from monthly income 1 from my business 1 from my business, I sell fish 1 from my husband's salary 1 from my husband's salary before he died 1 from my salary 1 from natural resources 1 from nature 3 from own business farming and carpentry 1 from parents 1 from pesion 1 from piece work 2 from piecework 1 from salaries 1 from salary 2 from sales of crops 1 from selling chicken and goats. 1 from selling farm produce 1 from selling fish 1 from selling selling fish 1 from shop business 1 from the business 2 from the business. 1 from the family 3 from the small business i do 1 from wages 1 from work 1 gardening income 1 gathered the bricks ourselves 1 gave them maize in exchange of building the house 1 given by child 1 given the money and did farming 1 go the building materials from the bush 1 got a loan from work place 1 got assistance from children 1 got building materials from the bush 1 got farming inputs on loan from Tombwe 1 got it from court 1 got loan from my employer 1 got material from the Bush and built it 1 got money from an in law 1 got money from an inlaw 1 got money from charcoal sales 1 got money from piece work 1 got the building materials from the bush 1 he built him self 1 he built it on his own 1 he built own his own 1 he did the bulding.himself 1 he selling logs 1 he used nature 1 he used the money from the bags of maize that he sold 1 he used to work 1 he used to work so he got money from his salary 1 he was doing business 1 help from the missionaries 1 house built from mud and roofed with grass no need of money 1 husband bought it for her 1 husband built it 1 i built it myself 1 i built it on my own 1 i just built it 1 i made the bricks 1 i sold charcoal, then the money i got i used it to build. 1 i used trees to build the house. 1 i was given the building matrial 1 i was selling beer 1 income from farming budiness 1 inherited from husband 1 it came from the farm product's 1 it was bought by my mother using savings from her business 1 it's a mud house so there was need to use any money 1 it's just mud and clay we didn't use any money 1 it's personal 1 its my parents who left for me in shot i inherited 1 judt built house with minimal mayerials and no money was involved 1 just built it 3 just built it at no cost since we used mud and brick 1 just built it by myself physically 1 just built on our own. no money needed. 1 just built using mad 1 just collected bricks and built the house 1 just collected clay and thatch to build the house 1 just collected sticks and thatch to build the house 1 just collected the bricks 1 just gathered bricks and built it 1 just gathered bricks together 1 just gathered the bricks 1 just gathred grass 1 just on my own 1 just prepared drinks and cooked angina and visited the community to help building. 1 just put bricks together 1 just through small piece works and built it myself 1 just used my own strength no money 1 just used my own strength, didn't need any money 1 just went into the Bush and got all required materials needed 1 l built without using any money 1 late husband built it 1 life insurance 1 loan from an unknown company 1 made a lot of blocks and sold some. 1 made beer for selling. 1 made bricks and built the house 1 made bricks and sold 1 made my own blocks n built it myself 1 made own bricks from clay and built it myself 1 made the building blocks myself by using soil,for the roof I got the grass from the Bush 1 man power 2 money become from selling our maize 1 money from business 2 money from crop harvest 1 money from divorce 1 money from farming 11 money from fishing 1 money from my child 1 money from my children 1 money from my husband who is now more 1 money from piece work 2 money from salaries 1 money from self employment 1 money from selling fish 1 money from the elder brother 1 money from the family 1 money from the son 1 money got from farm products after been sold 1 money obtained from piece work 1 money was being cut off from salary 1 1 money we got from farming 1 money we got from gardening 1 my brother gave me the money to build the house 1 my child gave me the money to build 2 my children 1 my children gave me money 1 my children gave me money to build it 1 my children gave me the money 1 my children give me money 1 my cousin helped me 1 my cousin paid for it. 1 my daughter gave me the monies 1 my elder brother built for me 1 my elder brother used to save from his salary 1 my elder sister 1 my father works 1 my father's job 1 my grandchild bought it for me 1 my husband built it on his on 1 my husband built it on his own he went in the Bush and got the material. and built it 1 my husband goes for stone crushing. 1 my husband inherited it from his elder sister after she died 1 my husband was involved in an accident so he was given 5000 as composation that what he used to build the house 1 my husband works. 1 my late son is the one that built the house for me 1 my mother works. 1 my parents gave me the money to build a house 1 my parents made some money from farming and built the house 1 my parents provided the building materals 1 my parents salary 1 my son built it for me 2 never needed any money because we used soil. 1 never used money 1 never used money when I was building this house 1 no any means of money was used to build the house 1 no cash was used 1 no money was used he build it himself 1 no money was used. 1 no need for money. just build using sand and thatch 1 not sure 1 on our own 1 own Business 1 own business 1 own manpower 1 paid brick layer in form of alcohol 1 peacework 1 pension from my late husband 1 pension money I got from zesco 1 pension money got 1 people from church built it for her 1 people helped them out from fisheries office 1 personal built it without money 1 personally I made the building blocks then got the grass for roofing from the bush 1 piece work 2 piece works 3 piece works. 1 provided my man power 1 raised money from where I wad working 1 raised the money by fishing before I broke my hand. 1 respondent built house on his own and dif not need any money to do that 1 salary 3 salary when I was working 1 sale of farm produce such as maize then we started building this house 1 saved money 1 saved money from sale of farm produce 1 savings from business 1 savings from charcoal 1 savings from farming 1 savings from farming harvest 2 self built 2 self service 1 self-service 1 sell charcoal 1 sell honey and beans 1 sell pigs 1 selling beer known as kachasu 1 selling cattle 3 selling fish 2 selling sand 1 selling the bricks. 1 she dint use any money 1 she doesn't know because she was in the village when the house was being built. 1 she got the money from late husband's working place 1 she was doing business and saved money to buy building materials 1 small business 1 sold a cow 1 sold a cow to build house 1 sold a family house 1 sold a house and built another house 1 sold an animal 1 sold an asset 1 sold another house somewhere in view of buying this house 1 sold another house to buy the one they live in now 1 sold cattle 1 sold farm produce 1 sold farm produce and bought the house 1 sold farm produce. 1 sold ground nuts 1 sold house in Lusaka and bought this one 1 sold livestock 1 sold livestock i.e goats and cattle to earn money 1 sold maize. 1 sold rural beer (kachasu or lutuku) 1 sold some maize 1 sold some of my farm produce 1 son in law built my house 1 sowing 1 the Lord's Grace 1 the brother built it for her free of charge 1 the companies money but they were deductiing from my salary 1 the husband built the house for her 1 the husband makes breeks. 1 the money I invested from farming 1 the money from farming 1 the parent used to work. 1 the then husband helped me to build it. 1 the time i was working the money i used to make is the money i used to build this house 1 there no money used cause I got the building materials from the bush 1 there was no money used as we just used mud 1 they never spent anything 1 they prooned 1 1 through business 2 through farm produce 2 through farming 23 through farming activities 1 through farming and then save some little money 1 through farming income 1 through farming money 1 through farming. 1 through fishing 4 through fishing (selling the fish he caught) 1 through husbands business 1 through piece work 1 through salary 1 through selling cassava. 1 through selling charcoal 1 through selling kapenta 1 through the business 1 through the money I got in farming 1 through tomatoes. 1 through work 7 throw business 1 throw piece work 1 throw piece works 1 thru piece works 1 used cash earned after sale of cotton which he harvested 1 used cash from farm produce 1 used cash from maize harvest 1 used cash from my farming produce 1 used cash from the farm produce 1 used cash when had from farming activities 1 used clay and thatch 1 used clay and thatch,no money was used 1 used his long term bonus 1 used his own energy to build the house and didn't use any money 1 used make bricks for resale 1 used money after selling farm products 1 used money earned from crop sales 1 used money fom farming products 1 used money for farming 1 used money from a pierce work 1 used money from farm products 1 used money from farming 2 used money from government which it pays when someone reaches 60 1 used money from own business 1 used money from selling crops 1 used money. from farming 1 used mud dint have to use money 1 used mud to build house no need of money 1 used my own hands 1 used my own money used to get from brewing beer and the ironsheets it's the child who bought 1 used my own skills to build it 1 used natural resources 4 used natural resources(clay and grass) 1 used nature 3 used no money 1 used no money because I just used mud from out side 1 used no money to build the house 1 used own materials but only bought the poles for roof 1 used savings I used to get from my former employee in form of loans 1 used terminal benefits 1 used the money I got from the garden 1 used the money I got through business 1 used the money from my former job 1 used their man power to build 1 used to work 1 used to work, but has stopped. 1 used wood from the bush 3 using money after selling maize from FRA 1 using resources 1 was a driver but was fired 1 was built by himself 1 was doing a business 1 was doing business. 1 was getting money from compensation, was in an accident 1 was given 1 was given by family 1 was given money from the family members and used that money to build their house 1 was selling vegetable at time she was building the house 1 was working 1 was.on salary 1 we are farmers. 1 we built it my late husband 1 we built on our own 1 we built on our own. no money needed. 1 we built with our own hands. we used trees from the field 1 we grow maize and that money we got from it we used it to build the house 1 we just looked for the things alone no money was used 1 we just used mud and wood 1 we made blocks to build this house 1 we sold a goat then the money used to buy this house 1 we sold maize then the money we used to build the house 1 we sold some sweet potato 1 we the house on our own 1 were given 1 when I sold my maize I started building this house 1 when my husband dies I used his pension 1 when my husband was working 1 when we divorced with husband the money was given to me in. thecourt 1 with my on hand 1 with my own hand 1 with my own hands 1 with own hands 1 worked as a carpenter 1 worked for the money 1 1.8.2c. Do you still owe money on the house? 81 8490 1 Yes 21 2 No 60 3 Refused 0 Sysmiss 8490 1.8.3. Do you own other houses? 8479 92 1 Yes 1422 2 No 7057 Sysmiss 92 1.8.4a. Do own land that you use for farming purposes? 8479 92 1 Yes 3789 2 No 4690 Sysmiss 92 1.8.4b. Approximately how much of this land do you use for farming purposes? 3789 4782 1 Hectares (Click here to enter) 1620 2 Acres (Click here to enter) 681 3 Lima (Click here to enter) 826 4 Don't know 662 Sysmiss 4782 1.8.4b. Approximately how much of this land do you use for farming purposes? [Ot 3119 5452 1 500 1.8.4b. Approximately how much of this land do you use for farming purposes? [Other (specify)] 1.9. Which of the following documents do you have in your name? 3789 4782 1 National registration card 3525 2 Driver's licence 2 3 Passport 2 4 Electricity/water bill 3 5 Telephone/Zamtel bill 1 6 Bank statement 0 7 Lease or rental agreement (e.g. vehicle or house) 3 8 Subscription (e.g. satellite TV) 3 9 Tax identification form 0 10 Insurance policy 1 11 Payslip from employer 0 12 Title deed 10 13 None 239 Sysmiss 4782 1.9. Which of the following documents do you have in your name? 683 7888 1 National registration card 0 2 Driver's licence 145 3 Passport 81 4 Electricity/water bill 105 5 Telephone/Zamtel bill 20 6 Bank statement 137 7 Lease or rental agreement (e.g. vehicle or house) 11 8 Subscription (e.g. satellite TV) 11 9 Tax identification form 2 10 Insurance policy 11 11 Payslip from employer 18 12 Title deed 134 13 None 8 Sysmiss 7888 1.9. Which of the following documents do you have in your name? 314 8257 1 National registration card 0 2 Driver's licence 0 3 Passport 59 4 Electricity/water bill 53 5 Telephone/Zamtel bill 8 6 Bank statement 73 7 Lease or rental agreement (e.g. vehicle or house) 9 8 Subscription (e.g. satellite TV) 38 9 Tax identification form 4 10 Insurance policy 9 11 Payslip from employer 30 12 Title deed 31 13 None 0 Sysmiss 8257 1.9. Which of the following documents do you have in your name? 198 8373 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 32 5 Telephone/Zamtel bill 4 6 Bank statement 55 7 Lease or rental agreement (e.g. vehicle or house) 11 8 Subscription (e.g. satellite TV) 28 9 Tax identification form 8 10 Insurance policy 13 11 Payslip from employer 24 12 Title deed 23 13 None 0 Sysmiss 8373 1.9. Which of the following documents do you have in your name? 137 8434 1 National registration card 0 2 Driver's licence 0 3 Passport 0 4 Electricity/water bill 0 5 Telephone/Zamtel bill 5 6 Bank statement 25 7 Lease or rental agreement (e.g. vehicle or house) 12 8 Subscription (e.g. satellite TV) 22 9 Tax identification form 9 10 Insurance policy 13 11 Payslip from employer 22 12 Title deed 29 13 None 0 Sysmiss 8434 1.9. Which of the following documents do you have in your name? 82 8489 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 4 7 Lease or rental agreement (e.g. vehicle or house) 8 8 Subscription (e.g. satellite TV) 19 9 Tax identification form 7 10 Insurance policy 11 11 Payslip from employer 13 12 Title deed 20 13 None 0 Sysmiss 8489 1.9. Which of the following documents do you have in your name? 51 8520 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 (e.g. vehicle or house) 1 8 Subscription (e.g. satellite TV) 6 9 Tax identification form 7 10 Insurance policy 13 11 Payslip from employer 16 12 Title deed 8 13 None 0 Sysmiss 8520 1.9. Which of the following documents do you have in your name? 33 8538 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 (e.g. vehicle or house) 0 8 Subscription (e.g. satellite TV) 1 9 Tax identification form 4 10 Insurance policy 4 11 Payslip from employer 8 12 Title deed 16 13 None 0 Sysmiss 8538 1.9. Which of the following documents do you have in your name? 14 8557 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 (e.g. vehicle or house) 0 8 Subscription (e.g. satellite TV) 0 9 Tax identification form 0 10 Insurance policy 3 11 Payslip from employer 2 12 Title deed 9 13 None 0 Sysmiss 8557 1.9. Which of the following documents do you have in your name? 3 8568 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 (e.g. vehicle or house) 0 8 Subscription (e.g. satellite TV) 0 9 Tax identification form 0 10 Insurance policy 0 11 Payslip from employer 2 12 Title deed 1 13 None 0 Sysmiss 8568 1.9. Which of the following documents do you have in your name? 1 8570 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 (e.g. vehicle or house) 0 8 Subscription (e.g. satellite TV) 0 9 Tax identification form 0 10 Insurance policy 0 11 Payslip from employer 0 12 Title deed 1 13 None 0 Sysmiss 8570 247 . 1 1 1 999 1 All her documents got burnt in a fire and has not replaced them 1 Because i was told to pay a k20 at the time i went to register one of which i never had the money to pay 1 Boma is very. far from home 1 Doesn't have any document...... Couldn't get an NRC because she had no one to go with to get it 1 Don't have any 1 Don't have any document 1 Don't have any of these documents. 1 Dont have any of the above mentioned 1 Have nothing 2 Have nothing of the above 1 He doesn't have anything. 1 He has none of the above 1 I do not own an NRC or any of these things 1 I don't 've any 1 I don't have 1 I don't have an NRC because I have no one to represent me at the head office 1 I don't have any document mentioned above 1 I don't have any of above. 1 I don't have any of the above 1 I don't have any of the above documents 1 I don't have any of the above mentioned documents 1 I don't have any of the documents mentioned 1 I don't have any of them 1 I don't have any of these. 1 I don't have any one to help me get them cause they are too busy 1 I don't have people to take me for registration 1 I don't just have 1 I have any but I'll soon get an NRC when my mother has money to take me to the National Registration Office 1 I have never bothered to get an NRC or any documents because they come in my husband' s name 1 I have no document in my name 1 I have non of the above 1 I have none in my name 1 I have not registered yet. 1 I have not registered. 1 I haven't registered yet. 1 I just recently had my NRC stolen 1 I just turned sixteen 1 I non of the above documents 1 I was sick when the people for registration came 1 Lost NRC 1 No any form of identification 1 None 11 None of the above 1 Not yet 1 Not yet acquired 1 Respondent doesn't have any of the mentioned documents 1 Respondent has no gotten her NRC hence difficult to acquire otjer documents 1 Respondent is still.in school and will get his national registration card upon completion of school 1 Respondent just turned 16 1 She doesn't have any 1 She doesn't have any documents 1 She doesn't have any of the above 1 She doesn't have any thing. 1 She doesn't own any of the listed documents 1 She has no document 1 She has none of the above 1 The respondent does not have any document in her name. 1 They storage my NRC its the one I had 1 am still young 1 dad was nit there to take me 1 do not have any of the above 2 do not have any paper. 1 does not have any of these 1 doesn't have any documents 1 doesn't have any form of identification 1 doesn't have any of Dr above 1 doesn't have one yet. 1 don't have any 1 don't have any document in her name 1 don't have any of the above 2 don't have anything 3 don't have anything of the above. 1 dont have 1 dose not have any thing of the above mentioned 1 got lost 1 got. lost 1 had an NRC but he lost it 1 had an NRC but it got burnt 1 had an NRC but was destroyed by former husband 1 had lost National Registration Card 1 had not acquired a national registration card yet 1 has non of the above 1 has none of the above 1 has none of the above. 1 has not yet applied for his nrc 1 have no any documents 1 have no any paper 1 have no paper 1 have not yet registered 1 have nothing 2 have nothing of these. 1 have nothing. 3 he has nothing not even an nrc 1 he only had national registration card but was burnt together with the house they lived in 1 his still at school. 1 it got burned 1 it got burnt in the house 1 it is customary land and his NRC got burnt 1 just some traditional set up 1 land record 1 lost NRC CARD 1 lost my registration 1 lost my. registration 1 lost reg 1 lost the national registration card 1 my NRC got Burnt 1 my ex husband is having my NRC 1 my mother is having some documents 1 my parents are far that's how come I don't even have an NRC 1 my parents are still organizing maybe when they come back from the farm they will get me an NRC 1 no Govt documents 1 no documents 4 no identification card of any kind 1 no one took me for NRC registration. 1 non 2 non of the above 3 none 67 none of above 1 none of the above 1 none. 1 none. of this 1 not yet 1 nothing 9 nothing at all 1 nothing else 1 nothing not even an nrc. she says she will get soon. 1 respondent does not have any of the listed options 1 respondent doesn't have anything 1 she does not own any of the above documents 1 she does not own any of the above mentioned documents 1 she doesn't have any 1 she doesn't have any documents 1 she doesn't have any of the above 1 she doesn't have either of these documents 1 she has no official Documents 2 she has no official documents 1 she has none of the mentioned documents 1 she's got none 1 she's got none of them 1 the distance to were we can get the nrc is far 1 the respondent had not yet gotten a National Registration Card 1 the respondent has none of these documents he was in prison for some time 1 they have not taken me to do my NRC 1 trying to get 1 1 was refused to get an NRC. I will get one in future 1 2.1. How do you usually pay for food/groceries? 8479 92 1 By using your own cash 7546 2 By borrowing money and paying in cash 70 3 By cheque 9 4 By debit card/ATM card 18 5 By credit card 2 6 Mobile phone payment/Mobile money services 3 7 Internet payment 2 8 By getting from the store/supplier and paying later with int 4 9 By getting from the store/supplier and paying later without 20 10 By exchanging goods 19 11 By providing services for it or doing piece work 83 12 You do not buy this because somebody buys it for you or the 626 13 You don't buy this because you never use this 29 14 Other, specify 48 Sysmiss 92 2.1. How do you usually pay for food/groceries? [Other (specify)] 48 0 Am a dependant 1 Dad buys 1 Depends on the situation 1 Food is just given to us 1 He says he just gets food from his farm 1 HouseHold members buy for me 1 I don't buy am a dependant 1 I don't buy food 1 I don't buy food get everything from the farm 1 I don't buy food my mother buy for me 1 I don't work 1 I'm being kept here, i don't buy 1 I'm kept 1 My parents and elder Brothers buy for me 1 No I dont. buy, my elder brother does it for me 1 Respondent works for food and pays in kind 1 We get from our own farm. 1 cash by brother inlaw 1 childrens are still young 1 don't buy anything they parents buy 1 don't buy food 1 don't buy food we grow our own food 1 don't buy thing parent buy everything 1 don't pay for food 1 farming 2 given to me by someone 1 help from family members 1 her mother works and buys he food 1 household member provides 1 mum buys everything 1 my brother inlaw brother pays 1 my daughter pays cash 1 my husband buys cash 1 my mum 1 my parents buy for me 1 my parents gives me money then I buy what I want 1 my sister is the one who buys 1 selling cattle 1 the church 1 the church provides 2 the household member provides 1 through my husband' s monthly that comes into his bank account 1 we don't buy 1 we don't buy just farm 1 we eat from our farm produce. 1 we get from the farm 1 2.2. How do you usually pay for school fees? 8479 92 1 By using your own cash 5387 2 By borrowing money and paying in cash 126 3 By cheque 13 4 By debit card/ATM card 28 5 By credit card 2 6 Mobile phone payment/Mobile money services 2 7 Internet payment 3 8 By getting from the store/supplier and paying later with int 0 9 By getting from the store/supplier and paying later without 0 10 By exchanging goods 5 11 By providing services for it or doing piece work 66 12 You do not buy this because somebody buys it for you or the 592 13 You don't buy this because you never use this 57 14 Other, specify 90 15 DONT PAY SCHOOL FEES 2108 Sysmiss 92 2.2. How do you usually pay for school fees? [Other (specify)] 90 0 An organization called ZANZWA pays for me. 1 Depends 1 Doesn't pay for any school fees 1 Don't pay for any school fees 1 Employer pays children's fees 1 Government education does not require fees 1 Government provides free education 1 I Completed school and waiting to go to college. Back then my Dad paid for me 1 I don't have a child who goes to school 1 I don't have such expenses 1 I don't pay 1 I don't pay any school fees. 1 I don't pay for school fees because non from my house goes to school 1 I don't pay schools fees 1 Installments 1 My children do not go to school 1 No I don't pay school fees 1 No kid is going to school 1 No one goes to school 1 No one goes to school. 1 No school fees 1 Not yet in school 1 She doesn't go to school! 1 We don't pay school fees. We have no school going Children 1 am not paying for anyone 1 by now my children stopped going to school because things have become difficult for my husband 1 child below school age 1 completed 1 completed school 1 dad pays using cash 1 depositing in school account 1 do not go to schools but for those that do,someone else pays (mum) 1 do not manage to pay for school 1 do not pay 1 do not pay school fees 1 does not pay school fees 1 don't go to school 1 don't have anyone to pay for 1 don't have school going children 1 don't pay any school fees. 1 don't pay for school fees 1 don't pay school fees 3 don't. pay. for any. school. fees 1 dont have children to pay school fees for 1 dont pay school fees 1 family member provides 1 1 he pays cash 1 let the children learn and pay later 1 my Sister's pay for me 1 no one attends school 1 no one goes to school 4 no one goes to school for now 1 no one goes to school the respondent says the children are still young 1 no one in my household goes to school 1 no one in the house is in school 1 no one is at school 1 no one is attending school 1 no one is in school 5 no school fees 1 no school fees being paid 1 no school going children 1 none 1 none in the house goes to school 1 none is at school 1 none is schooling 1 none of the kids are schooling due to money short 1 not applicable 1 not in school 1 not studying 1 not yet in school 1 pay in installments 1 paying through. the bank 1 respondent does not pay school fees he is not in school 1 she is not sure because she is not the one who pays for school fees. 1 the children haven't started school yet 1 the respondent lives alone and does not go to school 1 they attend free education 1 they don't pay for anyone's. education. at the moment 1 use free education 1 used napsa from dad 1 2.3. How would you mainly pay for larger goods/appliances such as a radio, TV, f 8479 92 1 By using your own cash 6092 2 By borrowing money and paying in cash 133 3 By cheque 10 4 By debit card/ATM card 27 5 By credit card 6 6 Mobile phone payment/Mobile money services 2 7 Internet payment 1 8 By getting from the store/supplier and paying later with int 63 9 By getting from the store/supplier and paying later without 62 10 By exchanging goods 13 11 By providing services for it or doing piece work 44 12 You do not buy this because somebody buys it for you or the 657 13 You don't buy this because you never use it 1131 14 Other, specify 238 Sysmiss 92 2.3. How would you mainly pay for larger goods/appliances such as a radio, TV, furniture or a bicycle? 2.3. How would you mainly pay for larger goods/appliances such as a radio, TV, f 238 0 Am a dependant 1 Am still at school 1 Baxter exchange 1 By doing layby 1 By hire purchase 1 Don't buy those things 1 Don't have 1 He can pay in instalments. Lay bye 1 He doesn't have electricity. 1 I am not interested in buying things like that 1 I can only buy these things when I start working 1 I can use my own money that is if I have 1 I can't afford 1 I can't afford to buy 1 I can't buy because I can't manage 1 I can't buy those because I have no job that can make me an income earner 1 I can't manage to even buy 1 I didn't have money 2 I didn't have money to buy a tv 1 I didn't have money to buy those things and here they is no electricity to use 1 I didn't have those things 2 I didn't purchase anything 1 I dnt have a tv in my house and don't pay bills 1 I dnt have those goods 1 I dnt pay and I dnt have any of the things you saying 1 I dnt pay any 2 I dnt pay any I dnt have money 1 I dnt pay anything 1 I do not buy such things because I usually do not have money for such 1 I don't am still attending school 1 I don't and still at school but dad 1 I don't buy 4 I don't buy because I don't work 1 I don't buy those things 2 I don't for that and i don't have tv 1 I don't have a tv 5 I don't have a tv and don't pay bills 4 I don't have a tv and i don't pay bills 2 I don't have a tv and i don't pay tv bills 1 I don't have a tv and i don't play bills 1 I don't have a tv in my house 6 I don't have a tv in my house and no money 1 I don't have a tv in my house i'm poor 1 I don't have a tv in my house poverty 1 I don't have any tv here 1 I don't have it and don't pay bills 2 I don't have things like that 1 I don't have tv 1 I don't have tv and don't pay bills 1 I don't havetv 1 I don't know 1 I don't pay for such appliances 1 I don't pay tv bills and don't have it 1 I don't these things for am still attending school 1 I don't, am being kept. 1 I dont have money to buy tv 1 I dont pay any 1 I dont pay any goods 1 I have never bought any major thing 1 I have never bought such appliances 1 I have never bought such things 1 I haven't yet bought those things 1 I wouldn't even buy cause i have no money 1 Instalments 1 Mother buys everything 1 My husband buys 1 Never bought anything myself 1 No appliances 1 No large Appliances 1 Pay slow I get and pay back in a given peri. 1 She has no money to pay for such 1 They don't have any. 1 They don't have electricity. 1 We don't have such appliances in our house 1 already have 1 am being kept 1 am dependant 1 an organization pay school fees for my children 1 bank transfer 1 barter exchange. with goats 1 bought furniture when I still worked 1 bought way back 1 buys goods from friends and neighbors exchanging or paying in instalments 1 by cash but pay slow, get the goods only when last payment is done. 1 by piece of work or fishing 1 can't buy. 2 can't manage to buy 1 dad bought using cash 1 depends with how the business is we can either use cash or lay by. 1 dnt buy such cause we have no electricity 1 do not have all that 1 does not buy presently 1 does not know 1 doesn't have large appliances 1 don't buy 1 don't buy already bought years ago using cash 1 don't buy anything 2 don't buy such 1 don't buy them 2 don't buy those things 2 don't by any of these things 1 don't hav 1 don't have 7 don't have any large appliances in the house 1 don't have any money how do I buy 1 don't have any of them 1 don't have anything of such nature 1 don't have large items 1 don't have money 1 don't have money. 3 don't have such appliances 1 don't have these 1 don't have those items 1 don't have those things 1 don't have tv 1 don't know 3 don't know. 1 don't pay 2 don't pay for anything 1 don't think of buying any of these. 1 family members buy for me 1 from farming 1 from savings 1 getting goods on credit and paying in installments 1 given by the brother from kafinsa 1 got a loan 1 got radio from younger brother and paid later 1 has never bought 1 have never bought 3 have never bought before 2 have never bought such 2 have never bought such appliances 2 have never bought these big items 1 have no money . 1 have no money to buy. 1 have no money. 2 haven't bought any 1 he don't buy these things 1 higher purchase 2 husband bought before he died 1 i can manage to buy these things beacause i dont' ve money 1 i don't buy, because I don't have money anymore 1 i dont have large appliances 3 i dont use them 1 if I was working I can just use my own money 1 it has been long we bought 1 it's hard to buy such things 1 lay buy 2 laybuy 1 layby 1 layby services 1 maybe purchase 1 mom bought it using cash 1 my money pay tv bills i don't pay 1 my mother buy them i don't buy 1 need to produce more from the farm so that I can pay cash 1 never bought 2 never bought that. 1 never did this before 1 never done it before 1 never. 1 newly wedds 1 no access to facilities 1 no one to pay for in the household 1 no tv or goods 1 non applicable 1 none 1 none of above 1 not inapplicable cause they have electricity 1 pay slow 1 paying in instalment. 1 respondents have not yet planned to buy such items 1 she does not pay for anything 1 she had never bought 1 she has never bought 1 she is too old buy these things 1 the elder brother buys them for her 1 they buy for me 1 they don't have any 1 this time I haven't but such things 1 truly speaking we don't even think of it 1 we are just given 1 we can't buy. 1 we don't have a tv in the house 1 we don't have electricity. 2 we don't have such appliances in our house 2 we don't have. 1 we get on layby 1 we have never thought about it 1 2.3. How would you mainly pay for larger goods/appliances such as a radio, TV, furniture or a bicycle? [Other (specify)] 2.4. Thinking of your regular expenses, EXCLUDING food and clothing, what is mos 8479 92 1 Rent 1521 2 Electricity bills 517 3 Water bills 182 4 Telephone/talk time 118 5 Medical expenses 54 6 School / tuition fees 2048 7 Fuel - Charcoal / Wood / Paraffin 270 8 Petrol / Diesel 4 9 Save or put money away - into a bank or microfinance institu 85 10 Chilimba contribution 11 11 Savings group contribution 8 12 Money owed to store where I got goods 16 13 Money owed to suppliers of the goods I sell 11 14 Loan from bank 1 15 Loan from a microfinance institution e.g. Finca, Pride 1 16 Loan from a micro lender e.g. Blue, Bayport 1 17 Loan from a savings and credit cooperative (SACCO) 3 18 Loan from a building society 0 19 Loan from a savings group 1 20 Loan from moneylender e.g. Kaloba, shylock 3 21 Money owed to family/friends 47 22 Other, specify 2598 23 I don't have expenses 979 Sysmiss 92 2.4. Thinking of your regular expenses, EXCLUDING food and clothing, what is most important for you to pay first when you get money? 2.4. Thinking of your regular expenses, EXCLUDING food and clothing, what is mos 2598 2.4. Thinking of your regular expenses, EXCLUDING food and clothing, what is most important for you to pay first when you get money? [Other (specify)] 2.5.1. Please tell me how you get the money you spend? 8479 92 1 Salaries / wages from a company / business 1040 2 Salaries / wages from a farm business (farm worker) 122 3 Salaries / wages from an individual (including family) 85 4 Salaries/wages from government 253 5 Self-employed in own business 1333 6 Trading - buy goods and sell it again to others (agricultura 293 7 Trading products collected from nature (such as wood, thatch 122 8 Provide financial services to your community for profit (mon 3 9 Piece work 1205 10 Money from own farm produce/agricultural activities - crops/ 1398 11 Money from fishing 60 12 Rental income 153 13 Interest from savings, investments, stocks, unit trusts,etc. 0 14 Private pension 14 15 State/Government pension 17 16 Social welfare money/grant from Government 10 17 Maintenance money from someone who is not part of the househ 45 18 Money from family who are not part of the household 212 19 Money from friends 55 20 Get money from household member 775 21 Household member pays all my expenses 752 22 Other specify 532 Sysmiss 92 2.5.1. Please tell me how you get the money you spend? 1101 7470 1 Salaries / wages from a company / business 0 2 Salaries / wages from a farm business (farm worker) 2 3 Salaries / wages from an individual (including family) 0 4 Salaries/wages from government 3 5 Self-employed in own business 62 6 Trading - buy goods and sell it again to others (agricultura 40 7 Trading products collected from nature (such as wood, thatch 10 8 Provide financial services to your community for profit (mon 2 9 Piece work 87 10 Money from own farm produce/agricultural activities - crops/ 394 11 Money from fishing 28 12 Rental income 61 13 Interest from savings, investments, stocks, unit trusts,etc. 3 14 Private pension 1 15 State/Government pension 12 16 Social welfare money/grant from Government 5 17 Maintenance money from someone who is not part of the househ 10 18 Money from family who are not part of the household 58 19 Money from friends 7 20 Get money from household member 158 21 Household member pays all my expenses 52 22 Other specify 106 Sysmiss 7470 2.5.1. Please tell me how you get the money you spend? 102 8469 1 Salaries / wages from a company / business 0 2 Salaries / wages from a farm business (farm worker) 0 3 Salaries / wages from an individual (including family) 2 4 Salaries/wages from government 0 5 Self-employed in own business 0 6 Trading - buy goods and sell it again to others (agricultura 2 7 Trading products collected from nature (such as wood, thatch 1 8 Provide financial services to your community for profit (mon 0 9 Piece work 5 10 Money from own farm produce/agricultural activities - crops/ 29 11 Money from fishing 5 12 Rental income 11 13 Interest from savings, investments, stocks, unit trusts,etc. 1 14 Private pension 2 15 State/Government pension 2 16 Social welfare money/grant from Government 0 17 Maintenance money from someone who is not part of the househ 0 18 Money from family who are not part of the household 6 19 Money from friends 3 20 Get money from household member 18 21 Household member pays all my expenses 2 22 Other specify 13 Sysmiss 8469 2.5.1. Please tell me how you get the money you spend? 7 8564 1 Salaries / wages from a company / business 0 2 Salaries / wages from a farm business (farm worker) 0 3 Salaries / wages from an individual (including family) 0 4 Salaries/wages from government 2 5 Self-employed in own business 0 6 Trading - buy goods and sell it again to others (agricultura 0 7 Trading products collected from nature (such as wood, thatch 0 8 Provide financial services to your community for profit (mon 0 9 Piece work 0 10 Money from own farm produce/agricultural activities - crops/ 1 11 Money from fishing 0 12 Rental income 2 13 Interest from savings, investments, stocks, unit trusts,etc. 0 14 Private pension 0 15 State/Government pension 1 16 Social welfare money/grant from Government 0 17 Maintenance money from someone who is not part of the househ 0 18 Money from family who are not part of the household 0 19 Money from friends 0 20 Get money from household member 0 21 Household member pays all my expenses 0 22 Other specify 1 Sysmiss 8564 2.5.1. Please tell me how you get the money you spend? 1 8570 1 Salaries / wages from a company / business 0 2 Salaries / wages from a farm business (farm worker) 0 3 Salaries / wages from an individual (including family) 0 4 Salaries/wages from government 0 5 Self-employed in own business 0 6 Trading - buy goods and sell it again to others (agricultura 0 7 Trading products collected from nature (such as wood, thatch 0 8 Provide financial services to your community for profit (mon 0 9 Piece work 0 10 Money from own farm produce/agricultural activities - crops/ 0 11 Money from fishing 0 12 Rental income 1 13 Interest from savings, investments, stocks, unit trusts,etc. 0 14 Private pension 0 15 State/Government pension 0 16 Social welfare money/grant from Government 0 17 Maintenance money from someone who is not part of the househ 0 18 Money from family who are not part of the household 0 19 Money from friends 0 20 Get money from household member 0 21 Household member pays all my expenses 0 22 Other specify 0 Sysmiss 8570 2.5.1. Please tell me how you get the money you spend? 1 8570 1 Salaries / wages from a company / business 0 2 Salaries / wages from a farm business (farm worker) 0 3 Salaries / wages from an individual (including family) 0 4 Salaries/wages from government 0 5 Self-employed in own business 0 6 Trading - buy goods and sell it again to others (agricultura 0 7 Trading products collected from nature (such as wood, thatch 0 8 Provide financial services to your community for profit (mon 0 9 Piece work 0 10 Money from own farm produce/agricultural activities - crops/ 0 11 Money from fishing 0 12 Rental income 0 13 Interest from savings, investments, stocks, unit trusts,etc. 0 14 Private pension 0 15 State/Government pension 0 16 Social welfare money/grant from Government 0 17 Maintenance money from someone who is not part of the househ 0 18 Money from family who are not part of the household 0 19 Money from friends 0 20 Get money from household member 0 21 Household member pays all my expenses 1 22 Other specify 0 Sysmiss 8570 2.5.1. Please tell me how you get the money you spend? (Other specify) 652 .my husband works. 1 A contractual job in building 1 African Doctor. 1 Also Selling Fritas &Chacoal 1 Am just a dependant 1 Am just a dependant I don't get any money 1 Am not doing anything 1 Am not doing anything am just a dependant 1 Am not doing anything at the moment 1 Am not working 1 Am still at school 2 Amutcher Rewinding. Rewinding Electric motors. 1 Bakery 1 Barkley 1 Borrow from kaloba 1 Borrows money 1 Brewing local beer 2 Brews and sells beer 1 Brick Laying 1 Brick laying 1 Builder 3 Carpentry 1 Charcoal burning 2 Charcoal businesses 1 Charcoal selling 1 Children 1 Chilimba 2 Church pays 1 Construction 1 Construction of houses(piece work) 1 Contract Jobs for whites 1 Contractor 1 Contractors, build Houses 1 Don't know 1 Family members 1 Farming 3 Fishing 2 From children 1 From farming 1 From her children's father 1 From her ex husband 1 From husband 1 From my parents 2 From own savings 1 From people to help us 1 From piece work 1 From selling firewood 1 From selling traditional mats 1 From social cush Transfer 1 From the children 1 Get Money from Husband 1 Get money from my garden produce 1 Gets money from a family member. 1 Gets money from people drawing water from a community tap 1 Given by the husband 1 Hair braiding business 1 Hardware shop 1 He is a pastor (pastor's payroll) 1 He's a taxi driver 1 Head of the household provides. 1 Husband 2 Husband who is the head of other uh. 1 I 've a van which I use for lifts and generate my money 1 I also do private jobs as a painter 1 I am a builder 1 I am given by family's members 1 I do Kaloba 1 I do business apart from growing maize,I make and sell beer,and when time for fishing comes I buy and take and sell 1 I do business of selling pigs 1 I do chilimba 1 I do nothing get from children 1 I do piecework 1 I do plough I other people's fields then my gives me some money to use 1 I do some business 1 I do welding 1 I don't work 1 I don't work don't get money dad and mum do everything for me 1 I farm 1 I find money through selling scones and charcoal 1 I from selling farming produce like groundnuts 1 I get allowances as a footballer 1 I get from my savings, (when I was working I used to save money so that's what am using now that am not working) 1 I get money after repairing some phones. 1 I get money from Salvation Army Where I was preaching before I retired. 1 I get money from beer 1 I get money from faming harvest 1 I get money from farming 1 I get money from fishing 1 I get money from natural resources like selling grass and firewood 1 I get money from selling cassava and groundnuts after harvest 1 I get most of my money from farming 1 I got most of the from my parents 1 I have a boat which I have put for hire 1 I have a hammer mill. 1 I make and sell bricks 1 I make beer for sell 1 I make charcoal and sell 2 I plait hair 1 I repair cars and my husband does business 1 I sale fritters 1 I sale some tomatoes rape 1 I sell ground nuts 1 I sell local brew . 1 I sell school uniforms. 1 I sell traditional brew. 1 I sell vegetables 1 I sell vegetables at the market 1 I sell. Local. Brewed. beer 1 1 I use the money from my Husband 1 I used to work in one of the companies in town but I stopped. so right now I don't 've money 1 I wait for my husband to give me money 1 I work has a maid so I get from my salary 1 I would only ask from people to help me 1 I'm being given by my relatives 1 I'm selling fish that where i get money 1 Income given to respondent by spouse 1 Maid 1 Maintenance wage from pensions 1 Making Fritters 1 Making scones 1 Money comes from a taxi business 1 Money from car wash bussiness and. sewing clothes 1 Money from child's father 1 Money from children 1 Money from children who are not household members 1 Money from family member not staying in the same household 1 Money from my husband and I do business 1 Money from spouse 1 Money from the family 1 Money from the savings. (from the previous work ) 1 Most of the times it's my husband who does lot of piece work 1 My child who is working gives me the money 1 My income comes from sporting (Football) 1 My mother does business and hence she helps us.. 1 My parents give me 1 Napsa benefits monthly 1 None 2 Not working at the moment 1 Nowhere 1 Offloading stuff for people from trucks(Lorry boy) 1 Only Fishing 1 Parents pay for our expenses 1 Pension scheme 1 Piece Works from FRA 1 Piece work 1 Plays Soccer to earn money 1 Respondent gets money from family members 1 Respondent gets money from the husband 1 Respondent rares chickens for sale 1 Respondent's spouse sends money from Lusaka 1 Salary/Wage from Maid job 1 Sell. Tomatoes 1 Selling Alcohol 1 Selling Clothes 2 Selling bushmeat 1 Selling fritters 2 Sells vegetables together with the husband 1 Sometimes I sell guavas 1 Spouse sends money from Luapula 1 Taxi driver 1 There's a family canter (vehicle ) that is used for transport to generate income 1 Through Farming 1 Tithe from church ministry 1 Traditional Healer 1 Trough Brick laying 1 We make fritters 1 When my husband gives me 1 after selling beer 1 allowAnce from government for the aged 1 am ex husband 1 am give once a month 1 am husband 2 am husband give me 1 am not working am being kept kept by my inlaw 1 am painter 1 am working at a saloon 1 at this place we change business according to the season. like right now I make and sell beer 1 baking she makes bread 1 beer brewing 6 beer making 1 begging 1 boyfriend 1 breads hair 1 brew beer and sells 1 brew beers and burn charcoal 1 brewing local beer kachasu 1 brews and sells local beer 1 brick making 4 building 1 building houses 1 building peace works. 1 burn charcoal 1 burn charcoal for sale 1 burning charcoal for sales 1 burning. bricks 1 business 15 business at the market 1 business baking 1 business. I.e selling. of groceries 1 by fishing. 1 by selling livestock 1 by working 1 car on tax 1 charcoal 1 charcoal bunerning 1 charcoal burning 2 charcoal burning and selling 1 charcoal selling 1 charcoal trading 1 children 1 children provide groceries and food 1 children sponsor me 1 chilimba 1 chilimba contribute 1 church allowance 1 clothing 1 depend on husband who the. head of other hh. 1 depends on elder brother for pocket money 1 depends on husbands salary who works out of town 1 do business that enables me to do that 1 do part-time hair plaiting 1 does fishing 1 even friends 1 family provides 1 farm owner 1 farming 28 farming and business 1 farming and carpentry 1 farming income 1 farming land has been taken over 1 farming, sale of charcoal and piecework 1 farming. 2 fishing 3 fishing business 1 food 1 for me i sometimes do some busness and peace works 1 form ma parents 1 from Allowances at work 1 from Chilimba 1 from a boyfriend. 1 from a business 1 from a vehicle that I hire out 1 from am father 1 from am husband 3 from am husband salary 1 from am mother 1 from arts 1 from building. 1 from business 1 from child 1 from children 1 from church 2 from farming 5 from farming cassava 1 from farming products 1 from fish en milk selling 1 from fishing 2 from grandmother 1 from her children 1 from her dad 1 from her daughter 1 from her husband 1 from her mom 1 from her mother 1 from her mum 1 from honey and selling beans 1 from husband 1 from ma husband salary 1 from my Husband 2 from my children 2 from my children. 1 from my garden 1 from my herbs which I give out 1 from my husband 4 from my parents 2 from my sister 1 from part time job 1 from people who owns my husband. 1 from private jobs of condtruction 1 from relatives 1 from rentals 1 from selling cassava 1 from selling cassava. 1 from selling chicken that I keep. 1 from selling maize 1 from sells. 1 from the business 1 from the garden 1 from the hamameal. 1 from the husband 1 from the sale of my produce such as maize 1 from uncle 1 from where my husband works. 1 gardening 2 general worker 1 get from dad 1 get from husband 1 get from my husband 1 get from parents 1 get money From a Catholic organization I work for 1 get money children 1 get money from boyfriend 1 get money from children 3 get money from family elsewhere 1 get money from husband 1 get money from parents 1 get money from tailoring (sewing) 1 get money from the church 1 get money from the things I have in my garden then sell 1 get money from. bricklaying business 1 gets a commission from church after selling books. 1 gets from her sister 1 gets from selling charcoal 1 gets money from beer brewing 1 gets money from his children 1 gets money through farming activities 1 gives out loans 1 had a salon but now am not doing anything. 1 had business, and goes to get money from people who owns her. 1 harmarmill 1 has oxecart for hire 1 he tax driver 1 he's a break raya 1 he's a driver 1 he's a rally boy 1 help community with health remedies 1 help family 1 help from the government 1 her family members gives her and her husband 1 his taxi driver 1 house boy 1 husband 14 husband give me and parents 1 husband gives her (he is a polygamist) 1 husband provided through piece work 1 i do my own business 1 i do some small bussness on which people delay to pay me back 1 i don't work am stil going to school 1 i dont work 1 i sell Local Brewed beer 1 imcome from spouss 1 income from a part time job as a teacher 1 income from spouse salary 1 income from the taxi I own 1 installing satellite dishes 1 involve in different types of work 1 its really difficult for me to earn any money 1 just find for our selves 1 kneeling chlothes 1 late husband left some money 1 ma husband 1 mainly from the sale of farm produce 1 makes floor mats 1 makes popcorn 1 making beer 1 making burned bricks 1 making hoes 1 making kachasu 1 making ropes for fishing nets 1 mental faericator and farming 1 money from am sister 1 money from an inlaw 1 money from charcoal business 1 money from children 1 money from family 1 money from farming 1 money from my nephew 1 money from relatives once in a while 1 money from spouse 2 money from the husband 1 money from transportation business 1 most of the money I have i get it from the work I do 1 mostly I sale charcoal 1 mother 1 my brother in law pays for me 1 my brother in law usually helps me 1 my children give us money. 1 my children helps me 1 my dad usually gives me 1 my elder brother usually helps me 1 my grandma gives me 1 my husband gives me 1 my husband gives me. 1 my husband is a builder 1 my husband just does piece work 1 my husband works not me 1 my husband works. 3 my mother works from a company. 1 my mum does that for for me 1 my mum usually does that for me 1 my parents Pay for me 1 my parents does that for 1 my sister in law usually gives me 1 my uncle usually gives me most of the money 1 my wife works for a mission hosp 1 night worker 1 no money in the village it's difficult to find 1 no one gives me money 1 no source 1 no where to get money, I'm just strangling in the village 1 non my family gives me money 1 none 1 not working just stopped work less than a. month 1 offers computer services, selling charcoal 1 own business 1 owns a shop 1 owns rental apartments 1 paid by family 1 parents 3 parents give him 1 part time farming 1 part time jobs of block making and plastering 1 part time truck driver 1 part_time job 1 pastoral work 1 piceworh 1 piece work 1 piece work at a meali meal Grinder (chigayo) 1 plaiting hair 1 plaits people's hair 1 plants hair 1 plating hair 2 rentals 1 rentals from the stand 1 respondent used to work but not anymore and she depends on her family for financial help 1 running private jobs of constructing houses 1 salarie and profit from investments 1 salaries as a casual worker from Local council 1 salary from my husband 2 salary that my husband gets from the company 1 sale a few things. 1 sale chicken. 1 sale of cobra 1 sale of farm produce 1 sale of fish 1 sales fish at the market 1 savings 1 savings left by the deceased father 1 school attachment 1 seasonal business 1 sell Foodstuffs like scones 1 sell Foodstuffs such as maize groundnuts and sweet potatoes 1 sell Fritters 1 sell charcoal 2 sell fritters 1 sell fritters. 1 sell honey 1 sell meali meal 1 sell sammosas 1 sell scorns 1 sell tomatoes 1 selling bricks 1 selling cassava 2 selling cassava after harvest 1 selling cassava! 1 selling charcoal 5 selling chickens 1 selling compound beer (kachasu or lutuku) 1 selling foodstuffs such as maize,groundnut, Cassava 1 selling honey 1 selling of some thing 1 selling popcorns 1 selling rice 1 selling self made clothes & door mats 1 selling some chicken wen we can. 1 selling traditional mats 1 selling. of own harvest e.g beans, maize 1 sewing Door Mats 1 sex worker 1 shares with copperbelt energy co operation and Zambian nation comercial bank 1 she does farming. 1 she get from the husband 1 she gets money from her daughter 1 she gets money from her husband even though they are on separation 1 she gets money from her mother 1 she gets money from the husband 1 she owns a taxi and that's were she gets most of the money 1 she plaits hair 1 she works as a maid in different household 1 she's doing business 1 shylock 1 small business 1 small scale business 1 sold cattle 1 support from ma family 1 support from my children 1 support from parents 1 tailor 1 tailoring 1 taxi business 1 taxi driver 1 tenants. 1 terminal benefits 1 the Church provides 1 the beer business 1 the brother pays for it 1 the church 1 the church helps in finances 1 the church provides 1 the husband gives her when he get paid 1 the husband has self employed him his electrictian 1 the piece works 1 the profits I get from my business 1 though farming. 1 through borrowing 1 through errands 1 through farming activities 1 through gardening 1 through my business. I have a shop and groceries 1 through piece work 1 through piece works 1 through rentals 1 through selling maize. 1 through selling traditional mats 1 through selling vegetables 1 through sports 1 through sports.am a footballer 1 through. sell of farming products 1 throw piece works 1 thrugh farming. 1 thtough fishing from the lake 1 tradition healer by administering traditional medicine 1 transportation 1 tutoring 1 used to be given money from the government ,but they stopped. 1 usually sell chlothing 1 vergitable farming 1 waits for the husband to get paided 1 we are farmers. 1 we are group of us working together to earn an income. 1 we do farming piece works 1 we get from farming 1 welwishas 1 when my mother gives me school fees 1 wife is a marketeer 1 work 4 the church 1 workers compensation 1 working 1 works as a teacher 1 1040 7531 1 Daily 61 2 Weekly 36 3 Twice a month 26 4 Monthly 871 5 Seasonally 8 6 Occasionally-no particular schedule 20 7 Upon completion of job 15 8 Other 3 Sysmiss 7531 124 8447 1 Daily 3 2 Weekly 4 3 Twice a month 0 4 Monthly 60 5 Seasonally 50 6 Occasionally-no particular schedule 1 7 Upon completion of job 5 8 Other 1 Sysmiss 8447 87 8484 1 Daily 2 2 Weekly 4 3 Twice a month 0 4 Monthly 68 5 Seasonally 6 6 Occasionally-no particular schedule 2 7 Upon completion of job 3 8 Other 2 Sysmiss 8484 258 8313 1 Daily 0 2 Weekly 1 3 Twice a month 1 4 Monthly 255 5 Seasonally 0 6 Occasionally-no particular schedule 1 7 Upon completion of job 0 8 Other 0 Sysmiss 8313 1395 7176 1 Daily 599 2 Weekly 224 3 Twice a month 50 4 Monthly 219 5 Seasonally 100 6 Occasionally-no particular schedule 123 7 Upon completion of job 54 8 Other 26 Sysmiss 7176 335 8236 1 Daily 110 2 Weekly 45 3 Twice a month 8 4 Monthly 45 5 Seasonally 93 6 Occasionally-no particular schedule 28 7 Upon completion of job 1 8 Other 5 Sysmiss 8236 133 8438 1 Daily 17 2 Weekly 16 3 Twice a month 4 4 Monthly 19 5 Seasonally 32 6 Occasionally-no particular schedule 30 7 Upon completion of job 10 8 Other 5 Sysmiss 8438 5 8566 1 Daily 0 2 Weekly 0 3 Twice a month 0 4 Monthly 4 5 Seasonally 0 6 Occasionally-no particular schedule 1 7 Upon completion of job 0 8 Other 0 Sysmiss 8566 1297 7274 1 Daily 106 2 Weekly 175 3 Twice a month 56 4 Monthly 185 5 Seasonally 122 6 Occasionally-no particular schedule 166 7 Upon completion of job 478 8 Other 9 Sysmiss 7274 1822 6749 1 Daily 30 2 Weekly 75 3 Twice a month 25 4 Monthly 115 5 Seasonally 1393 6 Occasionally-no particular schedule 103 7 Upon completion of job 20 8 Other 61 Sysmiss 6749 93 8478 1 Daily 13 2 Weekly 18 3 Twice a month 3 4 Monthly 12 5 Seasonally 37 6 Occasionally-no particular schedule 8 7 Upon completion of job 2 8 Other 0 Sysmiss 8478 228 8343 1 Daily 1 2 Weekly 1 3 Twice a month 1 4 Monthly 196 5 Seasonally 9 6 Occasionally-no particular schedule 4 7 Upon completion of job 0 8 Other 16 Sysmiss 8343 4 8567 1 Daily 0 2 Weekly 1 3 Twice a month 1 4 Monthly 1 5 Seasonally 0 6 Occasionally-no particular schedule 0 7 Upon completion of job 0 8 Other 1 Sysmiss 8567 17 8554 1 Daily 0 2 Weekly 0 3 Twice a month 0 4 Monthly 13 5 Seasonally 1 6 Occasionally-no particular schedule 1 7 Upon completion of job 1 8 Other 1 Sysmiss 8554 32 8539 1 Daily 0 2 Weekly 0 3 Twice a month 1 4 Monthly 26 5 Seasonally 1 6 Occasionally-no particular schedule 2 7 Upon completion of job 0 8 Other 2 Sysmiss 8539 15 8556 1 Daily 0 2 Weekly 0 3 Twice a month 0 4 Monthly 6 5 Seasonally 5 6 Occasionally-no particular schedule 2 7 Upon completion of job 1 8 Other 1 Sysmiss 8556 55 8516 1 Daily 3 2 Weekly 5 3 Twice a month 3 4 Monthly 26 5 Seasonally 3 6 Occasionally-no particular schedule 9 7 Upon completion of job 1 8 Other 5 Sysmiss 8516 276 8295 1 Daily 5 2 Weekly 15 3 Twice a month 8 4 Monthly 110 5 Seasonally 30 6 Occasionally-no particular schedule 89 7 Upon completion of job 1 8 Other 18 Sysmiss 8295 65 8506 1 Daily 1 2 Weekly 9 3 Twice a month 2 4 Monthly 22 5 Seasonally 5 6 Occasionally-no particular schedule 24 7 Upon completion of job 1 8 Other 1 Sysmiss 8506 951 7620 1 Daily 137 2 Weekly 99 3 Twice a month 37 4 Monthly 473 5 Seasonally 45 6 Occasionally-no particular schedule 132 7 Upon completion of job 10 8 Other 18 Sysmiss 7620 57 8514 1 Daily 3 2 Weekly 7 3 Twice a month 3 4 Monthly 34 5 Seasonally 3 6 Occasionally-no particular schedule 6 7 Upon completion of job 0 8 Other 1 Sysmiss 8514 652 7919 1 Daily 79 2 Weekly 66 3 Twice a month 20 4 Monthly 225 5 Seasonally 119 6 Occasionally-no particular schedule 62 7 Upon completion of job 31 8 Other 50 Sysmiss 7919 2.5.3 Method of receiving money - Salaries / wages from a company / business 1040 7531 1 Cash in hand 585 2 Into bank account 452 3 On your phone 2 4 Through a money transfer service such as Western Union, Mone 1 Sysmiss 7531 2.5.3 Method of receiving money - Salaries / wages from a farm business 124 8447 1 Cash in hand 119 2 Into bank account 5 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8447 2.5.3 Method of receiving money - Salaries / wages from an individual 87 8484 1 Cash in hand 83 2 Into bank account 4 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8484 2.5.3 Method of receiving money - Salaries/wages from government 258 8313 1 Cash in hand 26 2 Into bank account 232 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8313 2.5.3 Method of receiving money - Self-employed in own business 1395 7176 1 Cash in hand 1348 2 Into bank account 45 3 On your phone 1 4 Through a money transfer service such as Western Union, Mone 1 Sysmiss 7176 2.5.3 Method of receiving money - Trading 335 8236 1 Cash in hand 328 2 Into bank account 7 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8236 2.5.3 Method of receiving money - Trading products collected from nature 133 8438 1 Cash in hand 131 2 Into bank account 2 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8438 2.5.3 Method of receiving money - Provide financial services to your community f 5 8566 1 Cash in hand 4 2 Into bank account 1 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8566 2.5.3 Method of receiving money - Provide financial services to your community for profit 2.5.3 Method of receiving money - Piece work 1297 7274 1 Cash in hand 1279 2 Into bank account 18 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 7274 2.5.3 Method of receiving money - Money from own farm produce/agricultural activ 1822 6749 1 Cash in hand 1697 2 Into bank account 120 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 5 Sysmiss 6749 2.5.3 Method of receiving money - Money from own farm produce/agricultural activities 2.5.3 Method of receiving money - Money from fishing 93 8478 1 Cash in hand 93 2 Into bank account 0 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8478 2.5.3 Method of receiving money - Rental income 228 8343 1 Cash in hand 205 2 Into bank account 20 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 3 Sysmiss 8343 2.5.3 Method of receiving money - Interest from savings, investments, stocks, un 4 8567 1 Cash in hand 4 2 Into bank account 0 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8567 2.5.3 Method of receiving money - Interest from savings, investments, stocks, unit trusts,etc. 2.5.3 Method of receiving money - Private pension 17 8554 1 Cash in hand 2 2 Into bank account 15 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8554 2.5.3 Method of receiving money - State/Government pension 32 8539 1 Cash in hand 2 2 Into bank account 30 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8539 2.5.3 Method of receiving money - Social welfare money/grant from Government 15 8556 1 Cash in hand 13 2 Into bank account 2 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 Sysmiss 8556 2.5.3 Method of receiving money - Maintenance money from someone who is not part 55 8516 1 Cash in hand 44 2 Into bank account 3 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 8 Sysmiss 8516 2.5.3 Method of receiving money - Maintenance money from someone who is not part of the household 2.5.3 Method of receiving money - Money from family who are not part of the hous 276 8295 1 Cash in hand 199 2 Into bank account 29 3 On your phone 9 4 Through a money transfer service such as Western Union, Mone 39 Sysmiss 8295 2.5.3 Method of receiving money - Money from family who are not part of the household 2.5.3 Method of receiving money - Money from friends 65 8506 1 Cash in hand 61 2 Into bank account 2 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 2 Sysmiss 8506 2.5.3 Method of receiving money - Get money from household member 951 7620 1 Cash in hand 893 2 Into bank account 38 3 On your phone 9 4 Through a money transfer service such as Western Union, Mone 11 Sysmiss 7620 2.5.3 Method of receiving money - Household member pays all my expenses 57 8514 1 Cash in hand 53 2 Into bank account 2 3 On your phone 1 4 Through a money transfer service such as Western Union, Mone 1 Sysmiss 8514 2.5.3 Method of receiving money - Other 652 7919 1 Cash in hand 591 2 Into bank account 42 3 On your phone 1 4 Through a money transfer service such as Western Union, Mone 18 Sysmiss 7919 2.5.4. On which of these do you rely most to make a living? 8479 92 0 532 1 Salaries / wages from a company / business 984 2 Salaries / wages from a farm business (farm worker) 117 3 Salaries / wages from an individual (including family) 79 4 Salaries/wages from government 253 5 Self-employed in own business 1186 6 Trading - buy goods and sell it again to others (agricultura 260 7 Trading products collected from nature (such as wood, thatch 91 8 Provide financial services to your community for profit (mon 2 9 Piece work 1065 10 Money from own farm produce/agricultural activities - crops/ 1641 11 Money from fishing 75 12 Rental income 163 13 Interest from savings, investments, stocks, unit trusts,etc. 0 14 Private pension 13 15 State/Government pension 19 16 Social welfare money/grant from Government 11 17 Maintenance money from someone who is not part of the househ 43 18 Money from family who are not part of the household 217 19 Money from friends 49 20 Get money from household member 852 21 Household member pays all my expenses 785 22 {0} 42 Sysmiss 92 2.6a. Salaried workers - type of employment 1500 7071 1 Full-time 1092 2 Part-time 174 3 Seasonally 103 4 Temporarily 131 Sysmiss 7071 2.6b. Business owners - No of staff members full-time 1396 7175 0 999 2.6b. Business owners - No of staff members part-time 1396 7175 0 9999999 2.6b. Business owners - No of staff members total 1396 7175 0 999 2.6c. Which of these activities are you/your household involved in? 1822 6749 1 Crop farming 1707 2 Vegetable farming 72 3 Livestock farming 15 4 Poultry farming 9 5 Fish farming 19 Sysmiss 6749 2.6c. Which of these activities are you/your household involved in? 849 7722 1 Crop farming 0 2 Vegetable farming 554 3 Livestock farming 200 4 Poultry farming 87 5 Fish farming 8 Sysmiss 7722 2.6c. Which of these activities are you/your household involved in? 413 8158 1 Crop farming 0 2 Vegetable farming 0 3 Livestock farming 232 4 Poultry farming 177 5 Fish farming 4 Sysmiss 8158 2.6c. Which of these activities are you/your household involved in? 173 8398 1 Crop farming 0 2 Vegetable farming 0 3 Livestock farming 0 4 Poultry farming 169 5 Fish farming 4 Sysmiss 8398 2.6c. Which of these activities are you/your household involved in? 5 8566 1 Crop farming 0 2 Vegetable farming 0 3 Livestock farming 0 4 Poultry farming 0 5 Fish farming 5 Sysmiss 8566 2.6d. Involvement in faming - Crop farming 1707 6864 1 Throughout the year 127 2 Seasonal 1562 3 Only sometimes 18 Sysmiss 6864 2.6d. Involvement in faming - Vegetable farming 626 7945 1 Throughout the year 283 2 Seasonal 262 3 Only sometimes 81 Sysmiss 7945 2.6d. Involvement in faming - Livestock farming 447 8124 1 Throughout the year 401 2 Seasonal 15 3 Only sometimes 31 Sysmiss 8124 2.6d. Involvement in faming - Poultry farming 442 8129 1 Throughout the year 385 2 Seasonal 16 3 Only sometimes 41 Sysmiss 8129 2.6d. Involvement in faming - Fish farming 40 8531 1 Throughout the year 13 2 Seasonal 22 3 Only sometimes 5 Sysmiss 8531 2.6e. For your farming/fishing activities, you need things like farming equipmen 1892 6679 1 I do not use any inputs for farming or fishing activities 125 2 I don't have to buy because I manage with what I have alread 164 3 I have money to buy it, I use money from other sources of in 82 4 Use savings I have 233 5 I sell some of my crops and use the money 882 6 I sell some of my livestock and use the money 61 7 I sell products like milk, eggs that I get from my livestock 14 8 I sell something I collect from nature (e.g. thatch, wood) t 8 9 I do piece work to get money to buy it 44 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, livest 70 12 I get from a supplier or distributor and pay later 6 13 I get a loan from a bank 1 14 I get a loan from a microfinance institution like Finca or P 0 15 0 16 I get a loan from a savings and credit cooperative (SACCO) 3 17 I get a loan from a farmers' association 6 18 I borrow from a community/savings group where we save and le 5 19 I borrow from a moneylender e.g. Kaloba,shylock 5 20 I get goods in advance from an agricultural buyer 3 21 I get goods in advance from a farmers organisation 17 22 A Government agency gives them to me or subsidises the cost 12 23 A Non-Government Organisation (NGO) or community based organ 8 24 A relative or friend gives them to me or gives me money to b 20 25 A relative or friend takes a loan to buy them for me 0 26 Other specify 122 Sysmiss 6679 2.6e. For your farming/fishing activities, you need things like farming equipment, seed or fertiliser, pesticides, food and medicine for livestock or equipment for fishing. Where do you mainly get the money for these things? Or if you don't buy them, how d 2.6e. For your farming/fishing activities, you need things like farming equipmen 122 0 , 1 After selling the farm produce. 1 Don't buy any of those 1 Don't buy those things 1 Don't use any farming inputs 1 From Fishing 1 From clubs 1 From fishing activities 1 From honey selling and other hunting activities 1 From the salary 1 He uses manure from the cows that he uses for farming 1 I brew beer which. I sell to the locals 1 I burn charcoal 1 I buy them in advance when I just sell my crops 1 I don't buy any farming inputs 1 I don't buy those things 1 I don't farm it I just go to the river 1 I don't put pesticides I just put cow dung 1 I don't sell all my products I remain with some so that I plant them next season 1 I don't use fertilizer for my crops because I don't have enough money to buy fertilizer 1 I don't use fertilizer or any other pesticides. ..the only input is my Labour so I don't use money 1 I get a loan from FRA. 1 I get from my business 1 I get from the farmers cooperative 1 I get from the profit I make from farming 1 I get money from my own business 1 1 1 I got loan from alliance ginerry 1 I have given up on maize because it's expensive..just rely on sugarcane and oranges 1 I own a small business 1 I sale planks 1 I sell part of my farm produce to purchase them 1 I sell some of my livestock 1 I use the money that comes from farm produce that I sell 1 I use the ones I have in storage 1 I use the same money i get when i sell the products 1 Loan from cotton companies like Cargill and Dunavant 1 Loan from cotton companies like parrogate 1 Make bricks and sell them and use that money 1 My Husband buys them for me. 1 Respondent is not involved in fish farming 1 Sells chickens then buy 1 She does not do any fishing 1 She doesn't use fertilizer 1 The type of farming am involved in does not need farming inputs 1 They store bags of rice that they would use as seed so they don't have to buy 1 Through Farming Co-operative 1 Traders give him money before going fishing to buy what to use 1 We make poutry houses through selling chicken 1 after harvest we sale them and buy in advance the inputs 1 borrowing 1 buy from the same money I get when I sale the crops 1 charcoal burning 1 charcoal sales 1 cooperative yumen 1 don't do fish farming 1 fishing 2 from Charcoal business 1 from carpentry business 1 from farming money which is earned from previous season 1 from fishing 4 from income selling fish 1 from my other business 1 from my own business 1 from my salary 1 from piece works 1 from salary 1 from selling of maize 1 from selling the fish. 1 from the children 1 from vegetables I sell 1 from. burning charcoal 1 gardening 1 get Loan from cotton companies 1 get from other houses 1 get loan from NWK to purchase pesticides 1 get loan from cotton companies 1 get money to buy farming equipment from the income that I get when i sell my produce 1 gets them from a cooperative 1 got the money from husbanh 1 group 1 household member buys them for me 1 keep seeds from last harvest 1 loan 1 loan from cotton companies like dunavant 1 money from fishing 3 money from piece work 1 money from the rentals 1 my children buy for me the inputs 1 no fish farming 1 none 1 own business 1 pay through coparative and charged a small amount 1 piece work 1 piece working 1 rains were not favorable so returns are not good and it has spread poverty 1 relatives that have fishing nets assist us 1 respondent gets goods from buyer to whom they have to sell their produce 1 saving with a cooperative 1 sell the fish i get 1 selling the boats made 1 she doesn't buy food for chickens village chickens 1 some one bought when he had cash 1 the money I get after selling my crops 1 they were given to me as a gift 1 through farming, sell and get money out of it 1 use the money I get after the crops 1 we buy from corporatives 1 we buy through the savings group 1 we get from a cooperative at subsidies rate 1 we use the money we get after selling the crops 1 when I sale my crops and use the money 1 when i sell the fish i use the profit 1 when we sale the crops we use the profit and buy the inputs in advance 1 when we sale we start saving in advance with the co-parative for next season fertilizer 1 2.6e. For your farming/fishing activities, you need things like farming equipment, seed or fertiliser, pesticides, food and medicine for livestock or equipment for fishing. Where do you mainly get the money for these things? Or if you don't buy them, how d 2.6f. Dependents - Who in the household gives you money/pays your expenses? 979 7592 1 Spouse/partner 667 2 Parent(s) 170 3 Child/children 35 4 Other 107 Sysmiss 7592 2.6f. Dependents - Who in the household gives you money/pays your expenses? 11 8560 1 Spouse/partner 0 2 Parent(s) 1 3 Child/children 2 4 Other 8 Sysmiss 8560 2.7.1. Salaries / wages from a company / business 1040 7531 1 Month 889 2 Year 26 3 Have annual & monthly income 1 4 Don't know amount for either 63 5 Refused 61 Sysmiss 7531 Month 8420 151 -1 60000 Year 8478 93 -1 96000 2.7.1. Salaries / wages from a farm business (farm worker) 124 8447 1 Month 88 2 Year 22 3 Have annual & monthly income 2 4 Don't know amount for either 6 5 Refused 6 Sysmiss 8447 Month 8477 94 -1 15000 Year 8476 95 -1 80000 2.7.1. Salaries / wages from an individual (including family) 87 8484 1 Month 74 2 Year 3 3 Have annual & monthly income 0 4 Don't know amount for either 9 5 Refused 1 Sysmiss 8484 Month 8476 95 -1 7000 Year 8479 92 -1 2500 2.7.1. Salaries/wages from government 258 8313 1 Month 214 2 Year 11 3 Have annual & monthly income 1 4 Don't know amount for either 16 5 Refused 16 Sysmiss 8313 Month 8465 106 -1 70526 Year 8479 92 -1 84000 2.7.1. Self-employed in own business 1396 7175 1 Month 978 2 Year 83 3 Have annual & monthly income 12 4 Don't know amount for either 285 5 Refused 38 Sysmiss 7175 Month 8431 140 -1 100000 Year 8473 98 -1 1300000 2.7.1. Trading 335 8236 1 Month 186 2 Year 71 3 Have annual & monthly income 3 4 Don't know amount for either 73 5 Refused 2 Sysmiss 8236 Month 8476 95 -1 200000 Year 8475 96 -1 200000 2.7.1. Trading products collected from nature 133 8438 1 Month 71 2 Year 23 3 Have annual & monthly income 0 4 Don't know amount for either 35 5 Refused 4 Sysmiss 8438 Month 8478 93 -1 8000 Year 8478 93 -1 5000 2.7.1. Provide financial services to your community for profit (moneylender) 5 8566 1 Month 3 2 Year 2 3 Have annual & monthly income 0 4 Don't know amount for either 0 5 Refused 0 Sysmiss 8566 Month 8479 92 -1 3000 Year 8479 92 -1 500 2.7.1. Piece work 1297 7274 1 Month 880 2 Year 72 3 Have annual & monthly income 13 4 Don't know amount for either 299 5 Refused 33 Sysmiss 7274 Month 8452 119 -1 16000 Year 8475 96 -1 300000 2.7.1. Money from own farm produce/agricultural activities - crops/livestock/ po 1822 6749 1 Month 304 2 Year 1168 3 Have annual & monthly income 26 4 Don't know amount for either 284 5 Refused 40 Sysmiss 6749 Month 8467 104 -1 21000 Year 8430 141 -1 400000 2.7.1. Money from fishing 93 8478 1 Month 59 2 Year 16 3 Have annual & monthly income 1 4 Don't know amount for either 14 5 Refused 3 Sysmiss 8478 Month 8476 95 -1 17000 Year 8478 93 -1 10000 2.7.1. Rental income 228 8343 1 Month 204 2 Year 11 3 Have annual & monthly income 1 4 Don't know amount for either 6 5 Refused 6 Sysmiss 8343 Month 8473 98 -1 12350 Year 8478 93 -1 20000 2.7.1 Interest from savings, investments, stocks, unit trusts etc. 4 8567 1 Month 2 2 Year 1 3 Have annual & monthly income 0 4 Don't know amount for either 1 5 Refused 0 Sysmiss 8567 Month 8479 92 -1 400 Year 8479 92 -1 2000 2.7.1. Private pension 17 8554 1 Month 13 2 Year 2 3 Have annual & monthly income 0 4 Don't know amount for either 0 5 Refused 2 Sysmiss 8554 Month 8479 92 -1 2000 Year 8479 92 -1 24000 2.7.1. State/Government pension 32 8539 1 Month 26 2 Year 4 3 Have annual & monthly income 0 4 Don't know amount for either 1 5 Refused 1 Sysmiss 8539 Month 8478 93 -1 2700 Year 8479 92 -1 12000 2.7.1. Social welfare money/grant from Government 15 8556 1 Month 7 2 Year 5 3 Have annual & monthly income 1 4 Don't know amount for either 1 5 Refused 1 Sysmiss 8556 Month 8479 92 -1 1200 Year 8479 92 -1 5000 2.7.1. Maintenance money from someone who is not part of the household 55 8516 1 Month 42 2 Year 4 3 Have annual & monthly income 0 4 Don't know amount for either 8 5 Refused 1 Sysmiss 8516 Month 8478 93 -1 2500 Year 8479 92 -1 2500 2.7.1. Money from family who are not part of the household 276 8295 1 Month 174 2 Year 38 3 Have annual & monthly income 1 4 Don't know amount for either 53 5 Refused 10 Sysmiss 8295 Month 8477 94 -1 5000 Year 8479 92 -1 8000 2.7.1. Money from friends 65 8506 1 Month 44 2 Year 2 3 Have annual & monthly income 1 4 Don't know amount for either 17 5 Refused 1 Sysmiss 8506 Month 8478 93 -1 2500 Year 8479 92 -1 1200 2.7.1. Get money from household member 952 7619 1 Month 742 2 Year 38 3 Have annual & monthly income 0 4 Don't know amount for either 150 5 Refused 22 Sysmiss 7619 Month 8456 115 -1 9000 Year 8477 94 -1 20000 2.7.1 Household member pays all my expenses 0 8571 1 Month 0 2 Year 0 3 Have annual & monthly income 0 4 Don't know amount for either 0 5 Refused 0 Sysmiss 8571 Month 8479 92 -1 8479 Sysmiss 92 Year 8479 92 -1 8479 Sysmiss 92 2.7.1. Other 652 7919 1 Month 428 2 Year 93 3 Have annual & monthly income 9 4 Don't know amount for either 105 5 Refused 17 Sysmiss 7919 Month 8458 113 -1 20000 Year 8470 101 -1 110000 2.8a. Do you have money of your own that you can do with as you wish? 8479 92 1 Yes 2999 2 No 5480 Sysmiss 92 2.8b. What is the main reason for why you don't have money of your own? 5480 3091 1 Money goes into household expenses 2167 2 Have to give my money to household member/family member 244 3 Don't get an income 2063 4 Other, specify 897 5 Refused to answer 109 Sysmiss 3091 2.8b. What is the main reason for why you don't have money of your own? [Other ( 897 .don't have enough capital 1 999 1 All Moines that come in are already budgeted for or spent 1 All my expenses are paid for 1 All the money has gone to medical cost 1 Am a student 1 Am not given 1 Am not in ny employment 1 Am still a student 1 Am still at school 1 Am still attending school I don't work 1 Because I don't have other sources of income. 1 Because am still at school 1 Because am still at school. 1 Because i pay for my school out of the money i make 1 Because l don't know how to use money. 1 Because my source of income has not been easy. 1 Because of limited access to cash 1 Because of limited sources of funds 1 Because of limited time to do his personal business and insufficient capital to expand his farming 1 Because she can become a bad child 1 Business is no fare at times hen 1 Business is slow 1 Can only have money after working 1 Crops are not ready to sell 2 Crops are not yet ready to sell 1 Currently all money is going towards wedding preparation 1 Depending on the salary 1 Doesn't have an office job 1 Don't get enough 1 Don't have a stable source of income. 1 Don't have money 3 Don't have other means of finding money. 1 Don't kwon 1 Don't work. 1 Farm sells are slow 1 First we harvest and sale our products 1 Fishing period is closed. 1 For now all the money goes into buying food as they wait for harvest 1 Gets little money so it's hard to even buy all that's needed at home 1 God is the provider 1 Has everything he needs so he doesn't need it 1 Have not been paid yet 1 Have not being paid 1 Have not reaped 1 Haven't harvested yet 1 He bought some fertilizer and some seeds 1 He doesn't earn enough money 1 He doesn't have enough sources of cash 1 He earns little cash 1 He has insufficient capital 1 He has limited sources 1 He has limited sources of funds 3 He has no formal employment 1 He is unemployed 3 He paid school fees 1 He used all the money that he had 1 Her business is not going well 1 I already used it in buying farming inputs 1 I am a pensioner 1 I am currently looking for job because the piece work that I do is a part time job 1 I am going through a number of difficulties 1 I am going to school 1 I am not doing anything 1 I am old so my children does everything for me 1 I am still at school 1 I am still going to school 1 I am waiting for the crops I planted to grow so that I can sell some and have some money 1 I bought a cattle 1 I bought farm implements 1 I bought farming inputs 2 I bought fertilizer and paid for piece work at the farm 1 I bought fertilizer and seeds 1 I bought fertilizers and seeds 1 I can't access a loan 1 I can't do much work 1 I can't find any piece work and am too old. 1 I depend on my son 1 I dnt any much. 1 I dnt work 1 I don't do any business 1 I don't earn enough income 1 I don't get an income 1 I don't get enough money 3 I don't get enough money to have extra 1 I don't get paid where I work. 1 I don't get to have many piece works 1 I don't have 1 I don't have a business for me earn me some money of my own 1 I don't have a business to get my own money from 1 1 I don't have a job where I can earn money monthly. 1 I don't have a permanent job 1 I don't have a reasonable job 1 I don't have a stable. income 1 I don't have any business 2 I don't have any formal employment that I can earn money from 1 I don't have any money making ventures 1 I don't have any money use at the moment 1 I don't have any other resource where I can get my money other than my brother 1 I don't have anything to do. 1 I don't have anything to sell as at now 1 I don't have because I have a lot of responsibility 1 I don't have because I only have money of my own when I sell my maize 1 I don't have because of problems. 1 I don't have capital to start a better business. 1 I don't have children to give me money they are all dead 1 I don't have enough crops to sell at the moment 1 I don't have enough money 2 I don't have enough money to invest in the garden 1 I don't have money 1 I don't have money and means of find money in the village is very difficult 1 I don't have were to get the money 1 I don't have where to find it 1 I don't have work to do 1 I don't have. a proper job 1 I don't know 2 I don't make enough money 5 I don't make much from farming because I only manage to cultivate a small portion of my land 1 I don't produces enough 1 I don't where to get the money 1 I don't work 7 I don't work, am just a dependant 1 I don't work. 1 I don't. earn. an income 1 1 I earn little money 1 I get a little money 1 I get little money 1 I get money seasonally and no money to save 1 I get very little as my salary 1 I got little money from piecework 1 I have a lot of expence 1 I have a lot of expenses 1 I have been sick for some time so I haven't been going for work 1 I have being sick so I haven't been working 1 I have children to feed 1 I have difficulties in finding piece work 1 I have in invested in fertiliser 1 I have invested in all the money into the business 1 I have invested in farming inputs. 1 I have invested in my farming that is buying inputs 1 I have no children to support me 1 I have no reason 1 I have no where to keep my money 1 I have not been given any money as of now... 1 I have not been given yet. 1 I have not bought chicken 1 I have not done all lot of farming because my son got sick for a long time 1 I have not done piece works 1 I have problems, money is difficult to find. 1 I have stoped making mats because my hand is not in food shape, I have no income coming in. 1 I have to pay for my school first 1 I have used most of the money 1 I haven't been given yet and 1 I haven't found any piece work 1 I haven't found any piece work of late 1 I haven't gone to do business 1 I haven't gone to the forest to collect yet. 1 I haven't got my monthly income 1 I haven't had money in a long time because I just exchanged the bed I made with the solar panels. 1 I haven't received yet. 1 I haven't sold my products 1 I haven't yet been given 1 I haven't yet collected from my customers 1 I haven't yet gotten paid 1 I haven't yet received my money 1 I haven't. been given yet 1 I havent been paid yet 1 I invest my money in business 1 I invested all my money into agriculture 1 I invested in my business and paid my school fees. 1 I just don't have 2 I just don't havr 1 I keep money for something. 1 I like said money is seasonal here 1 I make little money 1 I need to complete school 1 I not working 2 I only have money when I ask my parents. for something. I need to buy 1 I only rely on rentals 1 I paid someone who did some piece work for me 1 I pay for for my children school tuition 1 I pay for my sister at school 1 I poor and don't work 1 I poor and not working 1 I poor and old don't have money 1 I save the money that I have 1 I spend it onschool fees and other things 1 I spent most of my money to take children to school 1 I spent with my husband we share 1 I still at school 1 I use the money for building my house. 1 I used all my money I received last time from my husband. 1 I used all the money I had to buy fertilizer 1 I used it for my business 2 I used it to buy farm products 1 I used it to invest in farming inputs 1 I used most of the money to buy farm implements 1 I used most of the money to buy livestock 1 I used the money I had to buy fertilizer 1 I used the money for farming inputs 1 I used the money to buy fertilizer 1 I used the money to order for goods. 1 I used to save on Man mobile money but I withdrew and used everything 1 I was hospitalized for a long time 1 I'm getting little money 1 I'm just given the money 1 I'm not working 4 I'm not working and money is difficulty to find 3 I'm not working and money is difficulty to find in the village 1 I'm not working and no money 1 I'm not working and they give me when they feel like 1 I'm old and money is difficulty to find 1 I'm poor 5 I'm poor and I dnt work 1 I'm poor and i don't work 1 I'm poor and life is hard here 1 I'm still waiting to harvest 1 It's. not easy to find money 1 Lack of capital 1 Limited sources 1 Limited sources of funds 1 Lost all the money 1 Lucky of employment. 1 Medical grounds 1 Money I usually have is for school fees 1 Money goes in the business 1 Money goes in the farming stuff 1 Money goes into farming inputs 1 Money goes into farming inputs. 1 Money goes into other businesses apart from farming 1 Money goes into various essential programs 1 Money goes to farming expenses 2 Money is always used for paying school fees and other farming inputs 1 Money is hard to come by 1 Money is hard to find 1 Money isn't readily available 1 Money was invested in building 1 Money went into business 1 Money went into farming inputs 1 Most of the money I get is used for paying school fees 1 My business is still small. 1 My business is very slow 1 My husband might suspect me of cheating on him if I have money which is not coming from him 1 My income is annually 1 No one to give her right now 1 Not harvested 1 Not having enough money to use anytime 1 Not in formal employment. 1 Not paid yet 1 Not yet paid 1 Not yet well settled 1 Nothing 2 Nowhere to find money 1 Nursing a patient 1 Only finds money at times that he can do as he wishes 1 Refused to answer 1 Relies on piecework so if there's nothing there's nothing 1 Respondent doesn't get enough money 1 Respondent uses money for business orders 1 Right now she isn't making enough money because it's not the season for fish 1 Saving for tuition fees for children 1 Share everything with the wife so he can't do as he wishes 1 She bought fertilizer 2 She bought fertilizer the money she had 1 She doesn't work 1 She has a lot of problems 1 She has limited sources of funds 1 She has no formal employment and not educated 1 She has no secure job 1 She is unemployed 1 She started business 1 She struggles to get by in life even finding money for food is hard 1 She was robbed some cash 1 Still waiting to harvest 1 The business is going down. 1 The business is too slow 1 The crops are not yet ready to sell 1 The economy is hard. 1 The money I get from farming is not enough to reach me this far. 1 The money I get is not enough 1 The money is not enough that I earn 1 The money that I recently had I used it to pay of school fees that I was eligible to pay for when I had 1 The salary is low 1 The salary is too little 1 The source of income is sick 1 There are very few income generating activities in our community. 1 They jst don't have the money 1 Things are had 1 Things are hard at times looking at the kind of work I do and the income I get 1 Things are hard crops don't seem promising 1 This season has been tough for me in terms of farming 1 This time of the year in our village we do have enough money unless during the time selling farm produce 1 Used all my money for farming 1 Used it on school going children 1 Used the money for farming 3 Used the money for farming purposes 1 Used the money into farming inputs 1 Used the money to buy fertilizer 1 Usually money is misplaced 1 Waiting for my Salary 1 Waiting for the. harvest 1 Waiting my harvest 1 Waiting to harvest the tobacco 1 Waiting to receive money 1 We didn't do farming activities last year therefore I have no money at all. 1 We don't have money that we can spend as we wish because of poverty. 1 a lot of problems,,not in employment 1 all her money goes to fertilizer 1 all my money goes to my education fees 1 always piece work 1 am a school going girl 1 am a widow 1 am at school so it's hard to find money 1 am building a house 1 am currently paying off a loan 1 am disabled and old 1 am given by mum and dad 1 am in college and l Don,t get an income 1 am just settling in my brother is the one that is footing most of my bills at the moment 1 am married so I don't manage money alone 1 am not doing any business 1 am not doing anything to bring me money am still a dependant 1 am not incharge of the business 1 am not working 2 am not working i depends on my parents 1 am not working now 1 am now working I just completed school 1 am old and cannot work 1 am old and have no money 1 am retired from Zambia state insurance 1 am sick and very old 1 am still at school 2 am still at school I told you already 1 am still attending my school 1 am still attending school 3 am still attending school so i don't earn any income 1 am still going to school 1 am still in school 2 at the moment I haven't been paid so unless I do some work that's when I have money 1 awaiting from my husband 1 awaiting to sell farm products 1 because I am not fully employed 1 because I am still going to school 1 because I don't have a permanent job 1 because I don't work 1 because I don't work or doing any businesses at now the money I get is mostly for house hold use from my spouse 1 because I have failed to save at the moment. 1 because I have not yet harvested from my field 1 because I still haven't received anything. 1 because I still haven't received money. 1 because I use money for farming 1 because I work here and there is no time to do my own things so that I can have my own money 1 because I work on temporal basis 1 because I work with my husband that s how come 1 because I'm not doing anything 1 because am not workig 1 because he has not yet sent. 1 because i don't have a formal job 1 because i don't have a proper job 1 because i get the money seasonally 1 because i only get money when i harvest my crops 1 because i stopped platting 1 because is still at school 1 because my husband is not supporting me fully these days 1 because of lack of jobs 1 because the family has not harvested 1 because there are no piece works as at now. 1 because this is when I just started work 1 because this is when i started farming 1 bought farming imputs 1 bought farming inputs 1 bought school books 1 bought seed and fertiser 1 business has gone down 1 business is tough at times 1 business not going well. 1 buying building materials to finish off the house which is on window level 1 buying fertilizer 1 buys books 1 buys clothes 1 can not work the hand has a problem 1 can't walk for long 1 cause I have bought farming inputs using the money I had 1 cause I have my own college fees to pay 1 cause am still at school 1 couse I don't work 1 depend on money she gets on the month end 1 depends on parents 1 didn't do any piece work 1 didn't do any price work recently 1 didn't do enough piece works 1 difficult to find money 1 difficult to found it 1 doesn't have full time job 1 doesn't work and she is not feeling well to go to her business. 1 don't do anything 1 don't earn enough money 1 don't get enough money for such 1 don't have a business 1 don't have a good job were i can get more money at the end of the month. 1 don't have a job 1 don't have a proper job 1 don't have best answer 1 don't have enough capital to raise high profits 1 don't have enough capital to run other things that can generate some money. 1 don't have enough capital. 1 don't have enough income 1 don't have enough income. 2 don't have enough money 2 don't have enough money. 2 don't have enough to misuse. 1 don't have money 1 don't have money. 1 don't have much energy 1 don't have proper generating income 1 don't have savings 1 don't have something stable to do 1 don't have what to sell at the moment 1 don't have where to find money of my own 1 don't have where to get them from 1 don't know 1 don't work 10 don't work alot he is sick 1 don't work so I have limited money 1 don't work. 1 farming expenses took a lot of money 1 farming produce last year were not as expected 1 fishing is in seasons hence we sent have money for now 1 gave my workers 1 get small amount 1 give the money to grandchildren 1 give to people who want to do a shylock 1 given money that only caters for my needs 1 given. it to farmers to later gain some of their. produce 1 goes into farming 1 had a loss 1 had invested in farming 1 had problems. that's why I do not even run my salon. 1 hard to find money 1 has not invested 1 has not started saving yet 1 has not yet started saving 1 hasn't started working yet. 1 have already spent what I had 1 have bought fertilizer 1 have no contract at the moment 1 have no income and it takes time for children to send money(about once in a year) 1 have not done any piece work 1 have not done any piece work at the moment 1 have not gone for business 1 have not sold any thing 2 have not yet got paid because I have not completed the job. 1 have not yet harvested my crops 1 have not yet worked cause am a Chaco burner 1 have nothing to do as at moment. 1 have nowhere to find me. 1 have nowhere to find money. 1 have school expenses for children 1 have to give away money for schools 1 have to wait for a piece work 1 have to wait for crops to grow so that we cn sell and have money 1 have to wait for harvests to get an income and have such money 1 have to wait for piece work and harvesting to have such money 1 have to wait for the harvesting season to get money 1 have to wait till i get piece work to get money 1 haven't been paid yet 2 haven't done any piece work. 1 haven't gone for piece work 1 haven't had any piece work. 1 haven't sold anything products 1 haven't sold anything yet 1 haven't worked yet 1 haven't yet harvest 1 he depends on the father 1 her business got bankrupt 1 household expediture 1 household expenditure 1 how yo find money is hard 1 1 1 i buy food staffs 1 i don't have any business and the only money i denpend onis the money mu husband gives me and its not enough 1 i don't have reason being it difficult to keep my family and myself 1 i don't produce enough crops to sell 1 i dont get a regular income 1 i dont get enough money 1 i dont get paid regulary 1 i have alot of expenditure 1 i have no business of your own 1 i invest whatever is left into farming. 1 i usually have money when i sell my farm produce. thus thats the time i have money for my own. 1 i'm currently keeping most of my earnings for wedding preparations 1 if I don't farm then I can't have money and they are times when business is hard 1 if am not given by my husband I 've no were to get money 1 in farming 1 income is little 1 invest money into other businesses 1 invested In Farming 1 invested all the money in farming 1 invested in farming 2 invested it in the business 1 invested my money 1 invested my money in farming 2 1 it difficult 1 it difficult to find money 1 it is a joint business hence i can not misuse the money 1 it is because I did not finished school 1 it is difficult to find money 1 it is difficulty cause capital is a problem in the business I do 1 it's because I don't work and don't earn an income 1 it's difficult to find money 2 it's difficult to have money 1 it's hard to find money 1 it's little which I get from the fishing and farming 1 it's not enough 2 it's not much to have kept 1 it's the rainy season, money is hard to find. 1 it's very difficult to save 1 its because she doesn't work 1 jobless 1 jobs are very hard to find here so most of the time I am Brock 1 jobs r hard to find because some times I don't work 1 just doesn't have at the moment 1 just got a job 1 just started working 1 just started working yesterday 1 lack of business opportunities 1 lack of piece works 1 lend 1 life is hard all is for food and rent 1 life is hard in the village and money is difficulty to find 1 life is tough going. 1 little money 1 lost all things due to property grabbing after losing husband 1 many expenses 1 money goes to credit 1 money goes to the building of the house and farming inputs 1 money got finished 1 money has gone into farming 1 money is difficult get 1 money is difficult to find 1 money is hard to find 5 money is hard to find in the rainy season 1 money is hard to find these days 2 money is in the fields 1 money is kept for business 1 money is less than expenses 1 money is little 1 money is little. 1 money is not enough 1 money is not enough to save 1 money is now had to find 1 money is nowhere to be seen. 1 money is seasonal 1 money not enough 1 money. went into farming 1 most of the money I have I use it for school 1 most of the money i have is invested in education 1 most of the money she gets is for house expenditures 1 most of the money used to buy farm inputs 1 most of the money was used to buy farming implements 1 most of the money was used to farm implements 1 most of the money we get is mostly used 1 mostly on fertilizer 1 my business has gone down 1 my business. is hard and unpredictable, customers take long to pay. 1 my crops are not yet ready for harvest 1 my crops haven't matured yet 1 my customers have not paid me yet 1 my customers haven't paid me yet 1 my husband doesn't give me money 1 my husband doesnt give me 1 my husband has just died few months 1 my husband has not given me and I depend on him 1 my husband hasn't been paid yet 1 my husband hasn't given me 1 my income is limited 1 my income is not enough 1 my income is too little to use it for any thing I want or wish for 1 my money was stolen 1 my pay. is low 1 my salary is not enough 1 my salary. was delayed 1 my sister hasn't sent yet 1 my sister hasn't yet given me 1 no because I already bought my farming inputs 1 no capital 1 no job yet 1 no jobs 2 no money and the business I do is selling fish 1 no one to give me money 1 no other means to find money 1 no piece work and my husband also doesn't have money. 1 no piece works 4 no piece works as at now 1 no products to sale 1 no proper job yet 1 no reason 3 no reason. 1 no reasonable income 1 no regular income 1 no source 1 no source at the moment 1 no such money to put aside 1 no water for the garden so am just home 1 no ways of how to find money 1 no where to get money 1 no where to get money. 1 no work to found money 1 no working at the moment 1 none works here. 1 not employed 3 not enough 1 not enough money coming in 1 not enough revenue from my farm produce 1 not every time I have money because it hard to find money 1 not in formal employment 1 not making much to save 1 not started the business yet 1 not the right time 1 not working 19 not working full time 1 not yet paid 1 nothing. 2 nowhere to find money, I'm in the village 1 nowhere to get money 1 nowhere today find money and money is difficulty here in the village 1 only find piece works occasionally 1 only have money for business 1 our cops are not yet ready for harvest 1 paid school fees 2 paid school fees for my son 1 paid. for my children's education 1 paying school fees 1 piece work is so hard to do 1 piece works are hard to find this time of the year 1 pieceworks are hard to come by nowadays 1 poverty 5 poverty and money is difficult to find in the village 1 poverty and money is difficulty find in the village 1 poverty and money is difficulty to find in the village 2 poverty i do piecework 1 rely on husband 1 respondent is dependent on spouse 1 right now my business has gone done. 1 right now. I am not working to earn an income 1 run a small business 1 salary is too small 1 saving money for the future 1 school expenses 1 school fees 1 she doesn't have a job 1 she doesn't have any money 1 she doesn't work 3 she has not been given such money by the husband 1 she has through a lot of problems 1 she hasn't given me yet and I used up everything she gave me last month. 1 she is just waiting to harvest 1 she is not employed 1 she is too old to have her own money 1 she uses the money for business 1 she's poor 1 she's said poor 1 sick and can not work 1 since I lost my husband things have been so bad for me 1 since my income is nor regular am waiting for the next season. 1 slow business 1 social events 1 sometimes money given to me is small 1 spend alot of money for school 1 spend for farming 1 spend more in the past months 1 spends it all 1 standard of leaving 1 still a pupil 1 still a school going child 1 still at college 1 still at school 2 still in school 1 still schooling 1 still. waiting for the crops yo be ready 1 stopped business 1 takes to the bank 1 that's wen we starting the business because i had stopped some time back 1 the amount is very small 1 the area is far from the business center 1 the business is very small so she cannot generate a lot of money from it 1 the cost of doing business in Zambia is high 1 the cost of living is to high for save and to have money as i wish 1 the crops are not yet ready 3 the crops are not yet ready for harvest 1 the crops. are not ready 1 the employer doesn't pay me on time 1 the harvest was poor 1 the income is not enough due to many children 1 the income is too little 1 the money I get is for house hold expenses 1 the money I get is just for house hold expenses 1 the money I get is little 1 the money I get is not enough 1 the money I get paid is too small 1 the money from I obtain from farming activities is not enough due to poor yields 1 the money given to me by my husband is what I use for business. 1 the money he gets is not enough 1 the money he used for household expenses 1 the money is get i too little 1 the money is not enough to save 1 the money is used for every day expenses 1 the money isnt enough 1 the money mum gives me is just for school fees and not enough to save 1 the money my husband gives me is not enough 1 the money my husband gives me is too little 1 the money us too litle 1 the money we get from fishing is not constant 1 the money we have is little and it goes in to the things we buy 1 the one who gives me doesn't have money at the moment 1 the problem is that we have no saving facilities here so the money we have we use it all 1 the rainy season. has affected the burning of bricks 1 the salary is not enough 1 the work I do is seasonal 1 1 there are no customers this time of the year 1 there no piece works of late 1 there's no work 1 they had a lot of things pay for so they didn't have money of there on 1 they haven't sent 1 things are difficult 1 things are not well 1 things are really hard 1 things are tough at the moment 2 this is in a remote area so it's difficult to find money 1 this is just when am thinking of opening an account, and most of the money I have I use it for my clothes 1 this is my first appointment so the money I 've I use it to keep my family which is in ndola 1 this is when I started working I didn't have a job of late 1 this time most of the money have been invested in farming implements 1 time 1 time does not permit 1 to get money here is the problem 1 too can't work 1 too old to find enough money 1 too old to work 2 u used it to pay for my son's school and transport 1 use the money to buy farming inputs and expand my business 1 use the money to pay school fees 1 used all the money to buy farming inputs 1 used for farming inputs 1 used in the farming inputs 1 used it for business 1 used it for household expenses 1 used the money for business 1 used the money for farming 1 used the money for medical expenses 1 used the money i had to buy seeds 1 used the money to buy farming inputs 1 used the money. for funeral expenses 1 used to buy farming inputs 1 used to buy inputs 1 used up all my money 2 used up all my money, just waiting for my son to give me some money. 1 uses the money to buy things to use for beer making and to pay for rent 1 various household expences 1 waiting for payments. 1 waiting to be paid 2 was arrested and my business suffered a loss 1 we are building. a house 1 we are new in this area 1 we are poor 1 we are yet to harvest 1 we bought farm implements 1 we did not harvest well 1 we don't cultivate on a large scale 1 we get money per season 1 we have a lot of things to do 1 we have invested in farming first 1 we have not harvested 1 we have not yet reaped what we soar,hence no income 1 we have spent everything on farming 1 we receive money seasonally so no money to save 1 we use for farming 1 we used it to buy fertilizer 1 when it's rain season money is too hard to find 1 when my husband died his relatives grabbed all the assets we had 1 where can i find the money I'm not working 1 with money, she gets food . 1 2.8b. What is the main reason for why you don't have money of your own? [Other (specify)] 3.1 Are you involved in your household's financial decisions? By this I mean who 8479 92 1 Respondent is involved 7289 2 Respondent not involved 1190 Sysmiss 92 3.1 Are you involved in your household's financial decisions? By this I mean who makes decisions about the purchasi 3.2. Who would you go to if you needed financial advice? 8479 92 1 A household member 1093 2 Family member or friend 3241 3 Employer 53 4 Bank 692 5 Microfinance institution such as Finca or Pride 36 6 Savings and credit cooperative (SACCO) 8 7 Financial advisor/consultant 154 8 Farmers association 66 9 Business association 130 10 Chilimba 13 11 Savings group 31 12 Moneylender in community 8 13 Government official 104 14 Village elder/elder in community 101 15 Other specify 468 16 Would not ask anyone for advice 1145 17 Don't know 1136 Sysmiss 92 3.2. Who would you go to if you needed financial advice? [Other (specify)] 468 A Counselor 1 A friend who has done accountancy 1 A local cooperative group 1 A wealthy person 1 An Economist 1 Anyone with the knowledge 1 Ask God for guidance 1 Ba Agricultural experts 1 Bankers 1 Business Associates 1 Business magazines 1 Business men 1 Business people 1 Businessman 1 Catholic church 1 Chanda chansa on radio one ,he teaches on how to manage finances 1 Church 4 Church Members 1 Church Savings Group 1 Church chairlady 1 Church elders 1 Church leaders 1 Church pastor 1 Church people 1 Contractors 1 Dad 1 Depends on the financial problems 1 Doesn't get any money to ask for advice 1 1 Don't have any 1 Don't have anywhere to go 1 Economic Development 1 Elders of the church 1 Entrepreneurship program 1 Financial advisors from the radio 1 Friends at financial services 1 Friends who are doing business 1 From Church 1 From business learning institutions 1 From church elders 1 God 3 God through prayers 1 Headteacher 1 I Have never done that 1 I advise myself 1 I ask myself 1 I ask the chief 1 I can go to business men 1 I can go to church 1 I can go to people that do business 1 I can just go to anyone 1 I do it on my own 1 I don't have anyone at the moment 1 I don't have anyone to advise me 1 I don't have anyone to run to 1 1 I don't have anywhere to run to 2 I don't have anywhere to run to for financial advice 1 I don't have people I can run to 1 I don't have that money I can even ask for advice for 1 I don't know maybe from neighbors 1 I don't know where to find help 1 I don't need an advice we solve our problems with my husband 1 I go to my mother 1 I have a bank account were I save money 1 1 I have never thought about it 1 I have never thought of that.it never crossed my mind 1 I have no one to go to 1 I have nowhere to go 1 I have nowhere to run to 2 I have where to seek advice only yourself advise me 1 I never done it. before 1 I remember I went to the Bank manager and u would go to the same 1 I seek advice to myself 1 I to my husband for help 1 I will listen to financial programs on TV and radio 1 I would go anywhere I hear they are giving advice 1 I would go the older people in the community 1 I would go to God 1 I would go to a group called "sha" where I contribute so that I get help in my agricultural activities 1 I would go to school 2 I would go to some one who does business 1 I would like to get some financial advice but I have anyone in mind 1 I would love to run to a any group that lends money though I never heard of any group. 1 I would pray to God 2 I would seek advice from the elderly 1 I would think on my own 1 I would. go to someone. with experience in financial issues like people at the bank or relatives 1 I wouldn't go anywhere 1 I wouldn't want financial advice because never even have much money 1 1 I'm still new in this place 1 IDE 1 In women groups... 1 Lawyer 1 Local Accountants 1 Looking at my experience as an accountant. I would rather rely on my accountant abilities 1 MOTHER 1 MTN money 1 Mukonde club 1 My Husbanda 1 My Son who is not a household member 1 My school teacher 1 NAPSA 1 Never asked anybody for financial advice 1 Never really though about it 1 No one 3 No one I just strive to earn a living. . I have no one I can rely on for financial assistance 1 No one at the moment. 1 No where 1 None 3 None of the above 1 Nowhere to get advice 1 Nowhere to go 1 Pastor 1 People who has been in any business for a long time 1 People who have done business before 1 Plan international 1 Religious institution such as Adventist development and relief agency. 1 Research on the internet and books 1 Respondent would go to a business owner 1 Rich people 1 She can just go to church 1 She can just plan on her own and think what she can do with money 1 Some who is successful in a particular field 1 Teachers of our vicinity 1 The District commissioner 1 There is no one groups or institutions to ask from in our area 1 There should be someone to take her 1 To the Government 1 Tusungilela radio program. 1 World vision 2 Would go to Jehovah or God 1 Would go to a churchmate 1 Zoona 1 a business person 1 a friend 1 a teacher 1 amongst ourselves 1 any knowledgeable person 1 any one in the community 1 any one who comes to the area 1 any one who looks wise 1 any organisation that teaches how to manage finances 1 any person involved in business 1 any person who has an idea 1 anyone 2 anyone whose doing well in life 1 anywhere 1 ask God for directions in pray 1 ask business owners 1 ask from neighbours 1 ask guidance from the church 1 ask the bank 1 ask those who had gotten money before 1 1 at the scool 1 aunt 1 auntie 1 bank 1 banks 1 bayport 1 borrow from friends. 1 boy scout team 1 brother 2 brother in law 1 church 13 church authority 1 church elder 2 church friends 1 church leader. 1 church member 2 church members 1 church parish 1 church- the preacher 1 city zam 1 class teacher 1 confides in her spouse 1 confides in his wife 1 consultant. 1 cooperate meeting. 1 cooperative group 1 counsellors 1 district commission 1 does not need it now 1 don't consult anyone. 1 don't have anywhere to run to when I need financial advice 1 don't have where to go. 1 don't know. 1 dont have anyone 1 dorcus group. 1 educated people 1 elders from church 1 fellow businessman 1 financial advisor who would give her advise for free 1 financial spiritual canceller 1 former lecturer 1 from Church and I read books 1 from a church member called "Bashi Joyce " 1 from church 1 from my auntie 1 from people who do shylock 1 from savings 1 from the compan I work from 1 from the head master 1 from workshops. 1 go to church members 1 go to dad 1 going to the husband 1 government 2 grandparent 1 guidance and counseling officer 1 he can't go anywhere for financial advice 1 head man 1 her children 1 her husband 1 his spouse 1 his wife 2 human resource manager 1 human right offices 1 husband 5 i seek God 1 i would go to mtn 1 i would go to napsa 1 if those who educate others on financial issues come, I would go to them 1 it is difficult hear 1 just myself 1 just selling what I have. 1 just teacher myself on how I will work on the money 1 landlord 1 loan from madison 1 me (interviewer) 1 money lenders 1 mostly I do talk to my father about it 1 mostly those that are doing fine in terms of business 1 mother 1 mum 3 mum and dad 1 mummy 1 my brother in law does that for me 1 my brother inlaw 1 my childrens 1 my church 1 my church priest 1 my daughter 1 my elder brother 1 my father 1 my friends 1 my grandma 1 my husband 2 my mum 3 my mum and my aunt 1 my neighbors 1 my parents 4 my parents usually helps me 2 my pastor 1 my pastor at church 1 my sister 2 my sister inlaw 1 my son usually helps me 1 my uncle 1 my wife 2 myself 1 neighbor. 1 neighbors . 1 neighbors that are doing fine financially 1 neighbour 3 neighbours 1 neighbours that work mate 1 never asked about any financial advice 1 never. thought. of that but I would. read the Bible 1 no one 23 no one because I don't make much money 1 no one helps us here 1 no one here can help if we find our selves in need of advise 1 no one no money 1 no where 4 no where to ask 1 no-one 1 none 11 none I don't go to anyone for help 1 not applicable 1 nowhere 8 nowhere my husband manages everything 1 nowhere to go. 1 nowhere. 10 older people in the community 1 older people in the the community that seem wise 1 on my own savings 1 other people doing the same line of business 1 own self 1 parents 3 pastor 9 people here that teach things about finances 1 people i get along with 1 people that own big businesses 1 people that teach about business stuff 1 people who are in business 1 people who has a lot of money in the village and knows whay to do with the money 1 people who has money in the community 1 people who owns shops 1 people with big businesses 1 people with money 1 programs on the radio that advise about the same 1 prominent business men 1 reads in the books on how to do balancing budgeting and planning 1 respondents husband 1 rich people 1 school headteacher 1 sister 1 social welfare 1 social welfare. 1 sock brocker 1 some one who has done business before 1 some who already has an account in a bank 1 someone who is already established in business 1 someone with more money 1 spouse 3 successful people in the village 1 talks to his wife 1 teacher 1 teachers from the neighborhood 1 teachers in the community 2 that question i dificout to answer. because it can be to that peson who has the acces to money 1 the bishops wife from our church 1 the council 1 the government 1 the internet 1 the people I can run to also have financial problems 1 the respondent confides in his wife 1 the respondent indicated that she can even ask me for financial advice. 1 there is no-one 1 there's an organization that teaches on finances but I have forgotten its name 1 they get to borrow 1 those involved in businesses 1 those that a doing business 1 those who do business 1 those who go to the bank 1 to a person who has much experience about financial help 1 to be honest I don't even know were to go 1 town 1 truthful person 1 uncle 1 usually its dad 1 we manage with what we have 1 we would go to older people like our aunty 1 where to go we are just the same 1 wife 1 women empowerment clubs 1 women raising club 1 world vision 2 would do it on their own 1 would go to school 1 3.3. You keep track of money that you receive and spend 8479 92 1 Yes 5147 2 No 3332 Sysmiss 92 3.3. You know how much money you spent last week 8479 92 1 Yes 4287 2 No 4192 Sysmiss 92 3.3. You adjust your expenses according to the money you have available 8479 92 1 Yes 7417 2 No 1062 Sysmiss 92 3.3. You often have to spend more money than you have available 8479 92 1 Yes 2041 2 No 6438 Sysmiss 92 3.4.1. Regular expenses - ability to keep up 8479 92 1 Have fallen behind completely 137 2 Always struggle 2008 3 Sometimes struggle 5278 4 Don't struggle at all 967 5 Don't know (Don't read out) 89 Sysmiss 92 3.4.2. Unexpected expenses - ability to keep up 8479 92 1 Have fallen behind completely 186 2 Always struggle 2541 3 Sometimes struggle 4934 4 Don't struggle at all 688 5 Don't know (Don't read out) 130 Sysmiss 92 3.5.1. Perceived most costly life event 8479 92 1 Birth of a child 615 2 Lobola 179 3 Wedding 661 4 Children's education 5179 5 Funeral 1581 6 Does not know (Do not read out) 264 Sysmiss 92 3.5.2. How/where will you get most of the money to pay for perceived most costly 8215 356 1 Savings 2629 2 Rely on savings group social fund 31 3 Borrow from a bank 72 4 Borrow from microfinance institution such as Finca, Pride 14 5 Borrow from microlender such as Blue, Bayport 9 6 Borrow from a savings and credit cooperative (SACCO) 1 7 Borrow from savings group 6 8 Borrow from moneylender/kaloba/shylock 54 9 Borrow from family/friends 726 10 Rely on family and friends for gifts 957 11 Rely on the community for gifts 132 12 Sell something that I bought for this purpose 102 13 Sell something not intentionally bought for this purpose 142 14 Cut back on expenses 197 15 Cut back on meals 8 16 Take children out of school 60 17 Other, specify 2262 18 Don't know 813 Sysmiss 356 3.5.2. How/where will you get most of the money to pay for perceived most costly life event? 3.5.2. How/where will you get most of the money to pay for perceived most costly 60 . 1 I didn't have money to pay anymore 1 I have taken them out of school because I don't have money. 1 I'd I don't find a business 1 If money is a problem you take children out of school 1 She taking out her daughter out of school who passed to grade 8 1 Take Children out of school 2 Take children out of school because neither do I work nor do I have income. 1 Take children out of school. 2 Took children out of school 1 We have no money 1 am old and doing nothing 1 and I don't see myself paying for anyone 1 and wait for government aid 1 awaiting fund's 1 because I don't earn an income 1 because I don't have money to pay 1 because i don't have money to use 1 because i don't have money. 1 because there is no money 1 because there is no money to sponsor any child to school. 1 because they is no money. 1 can't afford to pay school fees 1 can't get earn money to sponsor my children 1 currently respondents children are out of school 1 don't have any money to pay 1 don't have money for school fees 1 due to lack of money 1 from farming 1 he lame, he can't do most of activities. 1 husband pays 1 its difficult to educate a child 1 just take children out of school, nothing to do. 1 just take children out of school. 1 no proper income generating business income 1 no where to find money. 1 nothing to when i don't have money 1 piece works 1 relying from the sales of beans 1 t 1 take a child out of school 1 take child out of school 1 take children out of school 8 take children out of school because they can't afford 1 take the children out of school 1 there is no money 1 they had to take the children out of school as he's still trying to find money 1 to the parents 1 when I do not have enough money to pay for them 1 when am not paid by my debtors on time children stay at home until money comes through that's they go back to school, 1 when there is no money, nothing i can do 1 3.5.2. How/where will you get most of the money to pay for perceived most costly life event? Other - specify 3.6.1. Are you doing anything to make sure that you can deal with such unexpecte 8479 92 1 Yes 2341 2 No 6138 Sysmiss 92 3.6.1. Are you doing anything to make sure that you can deal with such unexpected expenses? 3.6.2. What are you doing about it? 2341 6230 1 Bought an asset to sell when I need the money 55 2 Bought livestock/poultry to sell when I need money 201 3 Saving/putting money aside 1520 4 Have insurance cover 103 5 Other, specify 462 Sysmiss 6230 3.6.2. What are you doing about it? [Other (specify)] 462 Agriculture 1 Am covered by the Church i work for 1 Am in a savings group. 1 Am looking for money to start my business. 1 Am studying hard at school, for school is the rightful investment. 1 Ask for assistment from people. 1 Being self centerz 1 Borrowed 1 Borrowing money from feom someone 1 Bought crops to sell. 1 Brewing local beer 1 Brick Making 1 Business 2 Buy goods for sale 1 Charcoal burning 1 Contributing to Madison Life and Pan African Building Society 1 Depends on the carpentry he does 1 Doing Charcoal. businesses 1 Doing a business have my own shop 1 Doing farming 1 Doing gardening 2 Doing my craft work making washing baskets etc 1 Doing. business 1 Don't know 1 Farming 9 Go to auntie 1 Has a shop that brings him income 1 He can beans 1 He is doing piece works 1 I am a blacksmith. 1 I am keeping livestock 1 I am keeping money 1 I belong to a cooperative where we have saved money 1 I bought a sewing machine that I use 1 I bought some goats and cattle to sale 1 I burn and sell charcoal 1 I can borrow money from the church 1 I do farming. 1 I do gardening. 1 I do niting 1 I got a skill or iam building 1 I have a business 2 I have a garden 1 I have a medical aid policy from work. 1 I have a scheme 2 I have a shop. 1 I have tomotoes that I can sell 1 I join a club called village bank 1 I putting in measures by opening an account for me and my family to lin on in times of hardship 1 I rear live stock 1 I rely on my business 1 I run a business 1 I save my money in my shop 1 I save on myb mobile money and this is where I usually get money when I have an emergency 1 I sell charcoal 1 I sell charcoal in 50kg bags 1 I sell scones 1 I sell things. 1 I started a business 2 I started a new business. 1 I started work 1 I want to start a business 1 I'm doing bissiness 1 I'm doing business 1 In the process of having insurance cover 1 It's unexpected so I just have to use the means I have for me to handle the problem 1 None 1 Nothing 1 Nothing yet 1 On a medical plan 1 Part time business 1 Piece works 1 Planning to invest in real estates and other business 1 Rely on children for help 1 Rely on my business 2 Rely on private projects 1 Respondent gets help from.her child 1 Respondent has a barbershop 1 Respondent has a business 1 Respondent puts money aside from time to time 1 Respondent saves money through chilimba 1 Run a business 1 Saving 1 Sell farm produce 1 Sell my farm produce 1 Sell some farm.produce intended for this purpose 1 Selling Vegetables and groundnuts 1 Selling my crops 1 She can borrow the money from friend. 1 She doesn't know. 1 She doing a small business 1 She is doing Transport business 1 She sells popcorns 1 She's doing business. 1 Small scale business 1 Start a business 1 Started a business 1 Started own business 1 The fish and charcoal business she's doing 1 Through My own business 1 Through chilimba 1 Through own business 1 To go and borrow 1 To look for a job so that am being helped 1 Trying not to die 1 We are building a house 1 Will do something if I have money 1 Will start work when done with the course his doing 1 Work Medical scheme 1 Would borrow from the community 1 Would get help from family 1 am doin business 1 am engaged in farming and am educating my children 1 am husband savings 1 am in group called sicc for women and we meet every Tuesday and contribute a minimum of ten mwachoma and maximum of a hu 1 am into business 1 am into construction so am sure I will be able to get my money from there 1 am just fishing 1 am not doing anything 1 am not worried because my company helps when such arises 1 am on a contract to cut trees which the owner will use to do charcoal burning 1 am planning to go to college 1 am working 1 am working. 1 another source 1 asking for help from a friend 1 because such things happen 1 borrow 3 borrow from friends 1 borrow from other organisations like churches 1 borrow from work place 1 borrow money from friends 1 borrowing 2 borrowing money 5 bought a hammermill 1 bought a plot 2 bought a plote 1 bought millet to sell 1 brewing of munkoyo(local beverage) 1 brothers and sisters can sponsor 1 business 19 business and rental income 1 business for making bread 1 business. 2 buy animal to sell 1 by Working 1 by keeping. money. aside 1 call for a family meeting and each one contributes 1 can ask ma husband to help me 1 can borrow money from church 1 charcoal burning 1 charcoal business 1 chilimba 3 company pays 1 cut down on expenses 1 do piece work 1 do some business 1 doing a business 2 doing a business of brewing. beer 1 doing a hardware business 1 doing business 6 doing business kneeling and selling clothes 1 doing farm business of crops. vegetables. and poultry 1 doing farming 1 doing piece work 2 doing piece works 1 doing small business 1 doing transport business 1 doing vergitable farming 1 don't have money 1 don't know 4 don't work 1 family help 1 family helps 1 farming 30 farming I.e crop growing 1 farming and piece works 1 farming beans and maize 1 farming. 2 for now I'm am not doing anything. we just had a baby 1 from am business money 1 from business 1 from business. 1 from house rentals 1 from my job that is carpentry 1 from the business 1 from the family business 1 gardening 1 get advance from work 1 get from business money 1 get livestock from father and sell 1 get money for head of house 1 getting educated 1 give family members to save for me 1 go to school 1 grow tomatoes 1 growing vegetables-rape 1 have a business 1 have a company policy that helps 1 have a small business(kantemba) 1 have own business 1 he get some allowances from the church 1 he is doing farming 1 he keep money in the house as where of savings 1 husband keeps money aside 1 husband. does not withdraw. everything. when he gets paid he leaves a certain. amount. at the bank but when they run out 1 husbands business 1 i brew some beer sometimes. .... 1 i'm selling vegetables and other stuffs 1 iam doing my small business of selling caterpillars 1 invest in business 1 invested in a business 1 invested in a farm 1 invested in business 1 investing in a shop 1 investing in my business 1 it is the same busness i do tha can provide me with some money 1 just farming 1 just pray about it 1 just working very hard 1 keep some money 1 keep someone. money. in the house 1 keeping chickens 1 keeping some money 2 knitting shawls, tablecloths etc 1 learning how to drive with the intention of becoming a driver 1 lend out money (kaloba) 1 look for piecework 1 looks for money 1 making charcoal. 1 medical insurance 1 money from business 1 money from her rentals 1 my business 1 my husband is working 1 my husband. saves sometimes 1 my own business 1 none 4 not doing any thing. about it 1 not financially stable 1 not involved 3 nothing 23 nothing as at now 1 nothing at all 1 nothing for now 1 nothing right now 1 opened a mobile money account to keep savings 1 part time business 1 peace work 1 piece work 6 piece work. 1 piece working 1 piece works 1 planning to start a business 1 pray 1 praying 1 rely on husband 1 rely on my husband 1 rely on my income 1 rely on relatives 1 relying on farming 1 relying on gardening 1 respondent does not want to disclose what measures they have put in place 1 save some money 1 saved seeds to grow vegetables 1 saving 1 saving from the piece works 1 saving money 1 saving or borrowing 1 savings 1 savings from wage 1 sawing 1 schooling 1 sell a harvest 1 sell charcoal 1 sell clothes and we have a bar that we are renting out 1 sell livestock 1 sell what we have 1 selling charcoal 2 selling fish... 1 selling fritters 1 selling meal meal. 1 selling of beer 1 selling second hand clothes(salaula) 1 selling some door mat 1 sells goods ordered from kamwala 1 she is doing a small business 1 she is doing business 1 she is doing farming 1 she is not doing anything about it 1 she is part of chilimba 1 she would get from her business 1 started a business 7 started a business of carpentry and tailoring 1 started a business out of savings 1 started business 2 started selling clothes 1 starting a business 1 still doing my private jobs of building houses 1 taking people to the boma. 1 the daughter has included her government scheme 1 the district council i work at, helps all the people i have registered 1 the have a business 1 the pieceworks she does 1 the small bussnes i do 1 there is a fundraising committee in the village to help out on such issues 1 there is always a time for everything 1 these things are always happening so one just has to be prepared 1 they are working 1 they have a small business 1 thinking of saving when when I start working or start having money 1 thinking of starting a bussiness 1 through business 1 through children and farming 1 through my farming income 1 through piece work 1 through rental income 1 through the business I own 1 transport officer 1 try to find money 1 u borrow from those who have 1 use some money i have 1 use the money from business 1 use what we have 1 vegetable farming, brew beer and sell 1 vegetable gardening 1 wants to open a shop for groceries. and a welding worshop 1 we have a house 1 we have put some crops for an emergency 1 we sometimes brew local beer 1 we struggle to pay the school. fees 1 work 1 working 3 working at council 1 working hard 1 would get a loan from the savings group 1 3.7.1. Risks experienced - Illness in your household that required medical expen 8479 92 0 3851 1 Yes 4628 2 No 0 Sysmiss 92 3.7.1. Risks experienced - Illness in your household that required medical expenses 3.7.1. Risks experienced - Death of a household or family member resulting in un 8479 92 0 5768 1 Yes 0 2 No 2711 Sysmiss 92 3.7.1. Risks experienced - Death of a household or family member resulting in unexpected costs for you/your household 3.7.1. Risks experienced - Loss of the income of an income earner of the househo 8479 92 0 6368 1 Yes 0 2 No 0 3 2111 Sysmiss 92 3.7.1. Risks experienced - Loss of the income of an income earner of the household 3.7.1. Risks experienced - Unforeseen school expenses) 8479 92 0 5350 1 Yes 0 2 No 0 4 3129 Sysmiss 92 3.7.1. Risks experienced - Unexpected rise in the price of goods such as groceri 8479 92 0 2875 1 Yes 0 2 No 0 5 5604 Sysmiss 92 3.7.1. Risks experienced - Unexpected rise in the price of goods such as groceries etc. 3.7.1. Risks experienced - Harvest/crop failure/loss of livestock 8479 92 0 6130 1 Yes 0 2 No 0 6 2349 Sysmiss 92 3.7.1. Risks experienced - Loss of income as a result of an unexpected drop in t 8479 92 0 6844 1 Yes 0 2 No 0 7 1635 Sysmiss 92 3.7.1. Risks experienced - Loss of income as a result of an unexpected drop in the price you get for produce/harvest/ products you sell 3.7.2. Coping mechanism - Illness in your household that required medical expens 4628 3943 1 Used savings 1432 2 Borrowed money 835 3 Sold an asset/something obtained for this purpose 178 4 Sold asset/something not obtained for this purpose 97 5 Cut down on expense 121 6 Claimed insurance/policy pay-out 29 7 Nothing 482 8 Other 1454 Sysmiss 3943 3.7.2. Coping mechanism - Illness in your household that required medical expenses 3.7.2. Coping mechanism - Death of a household or family member resulting in une 2711 5860 1 Used savings 681 2 Borrowed money 501 3 Sold an asset/something obtained for this purpose 73 4 Sold asset/something not obtained for this purpose 41 5 Cut down on expense 56 6 Claimed insurance/policy pay-out 8 7 Nothing 308 8 Other 1043 Sysmiss 5860 3.7.2. Coping mechanism - Death of a household or family member resulting in unexpected costs for you/your household 3.7.2. Coping mechanism - Loss of the income of an income earner of the househol 2111 6460 1 Used savings 279 2 Borrowed money 299 3 Sold an asset/something obtained for this purpose 42 4 Sold asset/something not obtained for this purpose 24 5 Cut down on expense 223 6 Claimed insurance/policy pay-out 3 7 Nothing 679 8 Other 562 Sysmiss 6460 3.7.2. Coping mechanism - Loss of the income of an income earner of the household 3.7.2. Coping mechanism - Unforeseen school expenses 3129 5442 1 Used savings 801 2 Borrowed money 545 3 Sold an asset/something obtained for this purpose 120 4 Sold asset/something not obtained for this purpose 64 5 Cut down on expense 179 6 Claimed insurance/policy pay-out 2 7 Nothing 569 8 Other 849 Sysmiss 5442 3.7.2. Coping mechanism - Unexpected rise in the price of goods such as grocerie 5604 2967 1 Used savings 795 2 Borrowed money 243 3 Sold an asset/something obtained for this purpose 83 4 Sold asset/something not obtained for this purpose 24 5 Cut down on expense 1789 6 Claimed insurance/policy pay-out 3 7 Nothing 1785 8 Other 882 Sysmiss 2967 3.7.2. Coping mechanism - Unexpected rise in the price of goods such as groceries etc. 3.7.2. Coping mechanism - Harvest/crop failure/loss of livestock 2349 6222 1 Used savings 205 2 Borrowed money 95 3 Sold an asset/something obtained for this purpose 55 4 Sold asset/something not obtained for this purpose 28 5 Cut down on expense 123 6 Claimed insurance/policy pay-out 0 7 Nothing 1271 8 Other 572 Sysmiss 6222 3.7.2. Coping mechanism - Loss of income as a result of an unexpected drop in th 1635 6936 1 Used savings 162 2 Borrowed money 96 3 Sold an asset/something obtained for this purpose 27 4 Sold asset/something not obtained for this purpose 19 5 Cut down on expense 140 6 Claimed insurance/policy pay-out 1 7 Nothing 841 8 Other 349 Sysmiss 6936 3.7.2. Coping mechanism - Loss of income as a result of an unexpected drop in the price you get for produce/harvest/ products you sell 3.8. You have people in the community that you can turn to for help if you need 8479 92 1 Agree 4918 2 Disagree 3561 Sysmiss 92 3.8. You have people in the community that you can turn to for help if you need to 3.8. You would rather turn to strangers than people in the community if you need 8479 92 1 Agree 1881 2 Disagree 6598 Sysmiss 92 3.8. You would rather turn to strangers than people in the community if you need financial help 8479 92 1 Agree 5175 2 Disagree 3304 Sysmiss 92 3.8. There is a strong tendency in your community where you live to form groups 8479 92 1 Agree 4390 2 Disagree 4089 Sysmiss 92 3.8. Being part of the community is important to you 8479 92 1 Agree 7547 2 Disagree 932 Sysmiss 92 3.8. You are a member of a group/association other than a chilimba or savings gr 8479 92 1 Agree 2022 2 Disagree 6457 Sysmiss 92 3.8. You are a member of a group/association other than a chilimba or savings group 3.9. In your community, if someone passes away, who pays most of the funeral cos 8479 92 1 The community 2777 2 The family members 4298 3 The household 294 4 People have insurance/funeral funds 5 5 They belong to a savings group that will cover the costs 16 6 Don't know 580 7 Other, specify 509 Sysmiss 92 3.9. In your community, if someone passes away, who pays most of the funeral costs? 3.9. In your community, if someone passes away, who pays most of the funeral cos 509 , 1 5 star helps if there is a funeral at a household. 1 Area chairman 1 Chairman 1 Church 9 Church Chairman 1 Church Community 1 Church Members 2 Church Members or family members 1 Church members 24 Church members assist 4 Church people 1 Church people help 1 Church. Members and family 1 Church. members 2 Churches 1 Churchs 1 Community and family members 1 Community church members & area Counselor 1 Donations 2 Donations from members of the community 1 Family Members and the church 1 Family and community 2 Family members And the community 1 From the Headman 1 Headman 3 Hospital 1 In most cases, it's the mines 1 It depends on the status of the person. if church Member, the church helps 1 It depends with what church you go to in this area so most of the help comes from the community church 1 Manly its the family and sometimes the church helps 1 Members of the Church 1 Mostly it is church members 1 Mostly it's the church that covers the costs 1 Nakambala 1 Neighbors 1 Only church members help 1 PF and 5 star a member of pf party 1 People from church 4 People from the church 1 Rely on contributions from the community 1 Sometimes Church Members and their relatives 1 Sometimes it depends with what kind of a person he was towards other people,the family might contribute or the community 1 Tazara Company 1 The Church 5 The Church Community 1 The Church members 1 The Headman 1 The Member of parliament of this area helps with the costs 1 The boss. 1 The bosses and the family members. 1 The church 3 The church members 7 The church members. 2 The church of the person. 1 The church that the deceased person or family belonged or belongs to 1 The community and family 1 The community chairman 1 The company pays 1 The councillor 1 The counselor 3 The family and church helps if the person used to go ku church 1 The family and sometimes the church helps if used to go ku church 1 The family and the churches help if that person used to attend church service 1 The headman. 1 The white man who is the owner of the farm is the one who releases the funds when there is a funeral. 1 They church 1 They make that help through the church 1 Unless the church 1 Usually Church Members and family members 1 Ward Chairman 1 Ward Councillor 1 Ward Counsellor 1 Ward chairman and councillor 1 Your. own. or Church. Members 1 Zambia Sugar company 1 Zambia sugar company 2 a committee called section 1 a member of parliament helps us 1 an individual in the community 1 area induna 1 borrowing 1 both the family and the community 1 chair person 1 chairman 11 chief 2 church 71 church and community 1 church groups contribute and the community, then family members aswell 1 church helps 2 church member 1 church members 64 church members and the community 1 church members helps 1 church members. 12 church people 1 church that the deceased belonged 1 church the deceased family belongs to 1 church the family belongs too 1 church were the deceased used yo attend 1 churches 2 churches. and other people 1 community and family members 2 company 6 company pays for the costs 1 company sponsors this every 1 contributions from community 1 contributions from marketeers 1 contributions from the locals 4 council 2 councillor 7 councils 2 counselor 1 employer 2 erea councillor 1 everyone cocontributes 1 family and community 3 family and the community 1 family community and church 1 family members and community 2 family, community and councillors 1 farm owner 1 for those who can't manage the area Counselor and the community assists 1 friends 1 from church 4 from my Boss 1 from the church 4 from the company where they work from 1 from well wishers 1 government 1 group of the club I belong 1 groups of the community 1 groups u belong to 1 have to borrow 1 head man 1 headman 2 help from church 1 here people come together and help one another 1 himself 1 it has never happened. 1 it's teachers compound so the school pays, which is government 1 member of parliament 1 most of the times its the family the community only helps when family can not afford 1 mostly comes from church groups 1 mourners contribution 1 no one 1 no one has died 1 no one we are all the same, poverty 1 owner of the farm 3 people contribute towards the funeral 1 people do donations in the community 1 people from church 1 people from the Church 1 people from the church 1 people from the hospital 1 people. from the Church 1 sometimes family members or The community fundraises 1 sometimes it can be the family sometimes it can be community 1 the Church 8 the Church where the deceased used to congregate from 1 the army 1 the business people 1 the chairman and an association called "tushikane" 1 the chief 2 the church 49 the church and family members 1 the church in which the deceased person was a member of 1 the church members 2 the church members. 1 the church pays most expense if the family belongs to one of them around 1 the church that the deceased belonged to 1 the church they belong to 1 the church where the deceased was attending 1 the community and family members 1 the company 4 the company half and half family and freinds 1 the company pays. 1 the company usually helps 2 the councilor 1 the family and community 1 the family and community members 1 the farm owner 1 the headman 3 the headman. 1 the land lords 1 the np is the one that pays most coast 1 the owner of the farm 1 the people from church 1 the people from the church 1 the women 1 their church 1 through contributions 1 tribal cousin 3 we contribute maize and sell so we can meet our expense 1 we do community donations 1 we do some donations in the community 1 we don't spend on funerals 1 you find your own ways of financing it. 1 3.9. In your community, if someone passes away, who pays most of the funeral costs? [Other (specify)] 3.10.1. Are you doing anything to make sure you have money for the things you wa 8479 92 1 Yes 3327 2 No 5152 Sysmiss 92 3.10.1. Are you doing anything to make sure you have money for the things you want in your future? 3.10.2. What are you doing about it now? 3327 5244 1 Bought an asset to sell later when I need the money 46 2 Bought/started a business to generate money 797 3 Invested in property to rent out 124 4 Saving/putting money aside 1044 5 Other, specify 1316 Sysmiss 5244 3.10.2. What are you doing about it now? [Other (specify)] 1315 After she writes her GCE she hopes to go to collage and get a job there after 1 Agriculture 1 Am a farmer 1 Am at school right now 1 Am attending college now 1 Am cultivating 1 Am currently doing my grade ten at a certain school 1 Am doing my garden work daily 1 Am going to school 3 Am in school 2 Am in the studio's trying to remove an album 1 Am looking for money to establish my business as a sole trader. 1 Am looking. for job 1 Am schooling right now. 1 Am studying 1 Am studying hard at school, for school is the rightful investment. 1 Am trying to work hard in all my farming activities and I keep praying that the should always be sufficient rainful 1 Am upgrading my education qualifications 1 Am upgrading my studies 1 Am working extra hard in my farming activities. 1 Bought a shaving machine 1 Bought farming inputs. 4 Bought land 1 Brick Making 1 Building and farming 1 Building up his Capital 1 Burning Charcoal 1 Business 3 Buying fishing equipments 1 By going to college and start a job in future. 1 By moving door to door in the community to ask for help. 1 By studying hard 1 By working harder now 1 Carpentry and farming 1 Carpentry business 1 Charcoal Burning 2 Charcoal burning 1 Concentrating on farming 1 Cultivation and Selling agriculture produce. 1 Currently Studying 1 Currently harvesting in maize, so that we can be saving money to build a bigger house 1 Currently selling maixe 1 Currently. Renting a land that am using for Maize. cultivation to sell 1 Do some piece work. 1 Doing Agriculture 1 Doing Business 1 Doing Contracts and farming 1 Doing a project 1 Doing farming 2 Doing maize and vegetables to sustain their lives 1 Doing my teaching Education 1 Doing pieace work when available.. 1 Doing piece work 1 Doing school and getting a job after that 1 Doing the business for exchanging clothes with chickens and resale the chickens 1 Doing trading and farming bussiness 1 Education 4 Education am still in school 1 FARMING 1 Farming 84 Farming activities. 1 Farming the sell the produce 1 Farming. 2 Garden 2 Gardening 2 Getting an education 1 Getting educated 1 Going Farming 1 Going For Studies so that i can get employd 1 Going back to school and saving some money to buy cows 1 Going for training on how to be a truck driver 1 Going to School 1 Going to college 1 Going to school 2 Going to school and get a job after 1 Going to school so that I get a job to secure my future 1 Going to school so that i get a job and start saving 1 Going to school, as well as doing a small businesses 1 Growing my gardening business 1 Growing tomato 1 Have gone to school 1 He is studying 1 He's doing a small business. 1 Helps parents with some chores so that they empower him with capital in future 1 Hunting for a job 1 I am a student working towards my dream 1 I am cultivating 1 I am doing agriculture 1 I am doing business 1 I am doing vegetable farming. 1 I am getting serious with farming 1 I am going agriculture 1 I am going to school so that when I finish I can get a job 1 I am in school 1 I am in the process of building a shop. 1 I am in the process of buying shares in a certain co-operative. 1 I am involved in Farming 1 I am looking for employment 1 I am still going to school so that iwil have my own future 1 I am studying at Lusaka trades 1 I am working hard. I Will start serving 1 I applied for my further studies. 1 I bought a farm 1 I bought animals 1 I bought plot to build a house 1 I build houses 1 I burn bricks 1 I cultivate and do charcoal burning for business 1 I did a course in carpentry 1 I do business and investing in school 1 I do chilimba 1 I do farming. 4 I do gardening. 1 I do piece work 1 I do piece works 1 I do work but because am sick I stoped 1 I doing Farming right now 1 I go to school 1 I grow maize and am hoping that things go well 1 I have a business 2 I have a farm. 1 I have a garden. 2 I have a job and we intend to start farming on a large scale 1 I have bought a farm to turn it into a commercial farm 1 I have bought plots and build houses for rent 1 I have cassava in at the farm 1 I have cultivated 1 I have cultivated maize and groundnuts 1 I have invested in farming 2 I have involved myself into vegetable growing 1 I have land in my village 1 I have livestock 1 I have started saving money 1 I help a certain cotton company buy cotton from farmers. 1 I just do farming 1 I keep cattle for people and in future they will pay me out 1 I keep cattle. 1 I keep pigs 1 I planted crops. 1 I pray 1 I recently increased on the scale of my crop farming activities in order to generate more money. 1 I run a business 1 I sell fish 1 I sell fritters 1 I sell kapenta 1 I sell pigs 1 I sell traditional brew 1 I sell vegetables 2 I sometimes do peacework 1 I started a garden. 1 I started some farming activities on one hectare piece of land. 1 I started working extra hard in my farming activities. 1 I want to buy livestock 1 I want to buy some more cows 1 I want to complete my education. 1 I want to invest in properties 1 I want to start farming. 1 I want to work hard 1 I work as a taxi driver 1 I would like to engage myself in poultry farming but at the moment I am doing vegetable farming 1 I would want to do something but I dnt have money 1 I'm concentrating on my studies 1 I'm farming 1 I'm in a club where we pay money and get after 6MONTHS 1 I'm investing in education 1 I'm planning to be a teacher 1 I'm selling fish 1 I'm working 1 In farming 1 In school studying 1 Increased on percentages of growing my maize seeds for a bumper hesvest and more money. 1 Invest in livestock. 1 Invested in Farming 1 Investing in business 1 Just farming 5 Learning how to drive so that he operates a taxi 1 Livestock 1 Looking for a job 1 Looking for a job. 1 Making hoes and bicycle repairing 1 My job 1 My own business 1 Obtaining my education 1 Paying. attention. in school 1 Piece works. 1 Planing to start a business. 1 Planning to buy land 1 Planning to invest n start up a business 1 Planning to open a salon 1 Poultry 1 Preparing my land to put up a house for rent 1 Pursuing my education 1 Recorded a music album 1 Registering a company 1 Respondent is currently in school 1 Respondent is currently investing in education 1 Respondent is going to school 1 Respondent is planning to start a business 1 Respondent joined a chilimba 1 Respondent plans on going back to school 1 Rewinding The Motors 1 Rock Breaking 1 Run a business 2 Saving money in a savings group 1 Saving money so that I can continue my studies 1 School 3 Schooling 3 Sell biscuits 1 Sell charcoal and cassava 1 Sell livestock 1 Selling Kapenta 1 Selling live stock 1 Selling scorns 1 Selling things 1 She has chickens and goats 1 Signed a policy with Zambia States Insurance Company 1 Sometimes saves money from barbershop 1 Started a car hire 1 Started school for computers 1 Started work 1 Study 1 Studying a lot so that I get good grades at grade 12 1 Tailoring 1 The money from the family and friends. 1 The piecework she does at the school 1 Thinking of going into farming like her parents 1 Through Farming 3 Through Farming produce 1 Through my own business 1 Through piece work 1 To expand on our farming activities 1 To get in school have a job and start saving 1 Trying to improve my farming 1 Vegetable. farming 1 Waiting for acceptance in school 1 Waiting for my late husbands benefits 1 Want to open an account with a bank to start saving money 1 We are working hard in the fields. 1 We cultivated beans for sale 1 Will get a job after done with school 1 Will start farming 1 Work hard in school 1 Work hard in the education. 1 Working 1 a plain hair 1 about to start a business 1 advancing my course 1 after farming season I want to sell my farm products and start a shop 1 after harvesting,will use what ever is left from the money that the crops will bring in after been sold to buy livestock 1 agriculture 1 am a driver 1 am a student at school (doing teaching) when am done with my training. I will be a teacher and will be able. to earn an 1 am am money lender so they can return with interest 1 am at college 1 1 am depending on am framing 1 am doing business 1 am doing fish farming 1 am doing framing 1 am farming 1 am furthering my education 1 am furthering my education. 1 am going school 1 am going to college 1 am going to school 5 am going to school and working hard 1 am going to school so that i get educated and have a good future 1 am going to school. 1 am in school 1 am in school, 1 am in school. 2 am in the women arising club where we embark on different business ventures 1 am just farming 2 am planning to university 1 am running a private business besides working 1 am selling charcoal 1 am selling talk time 1 am starting a business 2 am still at school 1 am still going to school 1 am still in school 1 am teacher 1 am thinking of going to school and some investimens 1 am waiting for my husband to give me money 1 am work for the government 1 am working 2 am working hard 2 am working right now 1 am. thinking of starting a business 1 apart from working am upgrading my studies 1 applying for paying job as teacher 1 attending school as well as doing a small businesses 1 baught livestock 1 being trying to do some businesses though they fail at times. 1 bizimis 1 borrowing money 1 bought 1 bought a car 1 bought a cow and I'm keeping the cows 1 bought a cow to sell 1 bought a plot 2 bought blocks and roofing for my future house 1 bought cattle 1 bought cement for building 1 1 bought land 1 bought livestock 3 bought millet for sale 1 bought plot 1 bought shares in CEC,National and Zambia breweries 1 brewing beer 1 brick laying 1 brick making 1 bricklaying 1 bricks making 1 building 1 building a house 3 building houses for business 1 built a house 1 burning charcoal 3 business 19 business and looking for a job so that I can have more money and can be able to save 1 business and rental income 1 business tomatoes 1 business. 3 business/ farming 1 buy vegetables and sale 1 buying a farm 1 by doing piece works 1 by going back to school 1 by working 1 cattle 1 charcoal burning 1 children are helping 1 chilimba 2 consulting people for help 1 continue teac, am a teacher 1 crop farming 1 crop growing 1 cultivate and growing maize for sale in a small way 1 cut down expenses 1 did tailoring am about to start a business 1 do business once in a while. 1 do piece work 1 doing Gardening 1 doing business 6 doing business and planning to get a loan 1 doing business and saving 1 doing bussines 1 doing farming 5 doing farming &others 1 doing farming of cash crops and takes. them to lusaka for sale 1 doing forestry piece works 1 doing piece work 2 doing piece works 3 doing some piece works 1 doing tailoring 1 doing to chilimba 1 doing work 1 doing. business 1 don't know 1 drafted a business plan 1 driving school so as to become a driver 1 education 7 education (going to school) 1 education, studying 1 expand on farming 1 expanding farming activities 1 expanding our investment in farming 1 expanding the business 3 family commtee putting aside money as a family each day.. K10 every day for every adult members of the family 1 farmer land 1 farming 323 farming (rice) 1 farming activities 3 farming and bee keeping 1 farming and business 2 farming and groups 1 farming and groups will help out 1 farming and joining community groups 1 farming and policy 1 farming and selling products then saving 1 farming and upgrading my school 1 farming beans 1 farming beans and maize 2 farming beans for sale 1 farming business and marketeering. 1 farming cassava and other things 1 farming crops and vegetables 1 farming for people who pay me 1 1 farming through piece work 1 farming tomatoes. 1 farming various crops 2 farming with intentions save 1 farming, invested in farming 1 farming. 4 1 finish studies 1 fishing 8 fishing and farming 1 further her education get a job and start saving 1 furthering my education 1 gardening 2 gets some piece work. jobs in construction. and painting 1 getting a degree 1 getting an education 5 getting education 1 getting into the university 1 getting my education 1 go back to school 1 go to school 1 going back to school 3 going to college 3 going to school 24 going to school and getting a job once done with school 1 going to school so that I become someone. in future 1 going to school so that i can get a job 1 going to school so that i have a bright future ahead 1 got a job hoping to secure a better one 1 got a land to start farming 1 got contract to cut trees for charcoal burning 1 growing cabbage for sale 1 growing maize 1 growing vegetables 2 have a sunflower field. 1 have built a shop 1 have going back school 1 have gone back to school 3 have increased on my income. 1 have livestock 1 have money from her rentals 1 have some business sales hair 1 having my own businesse 1 he has engaged himself in music industry 1 he have got some chicken 1 he is doing a small business 1 hopes to buy a house 1 hoping the same bussnes am doing keeps on growing 1 husbands business 1 i have started diverse farming activities 1 iam going to school 1 iam going to school so that I will have money in future 1 iam keeping goats for my future 1 improve my grades 1 improving my business 1 improving my skills to get a better job 1 intending to buy land 1 inventing in education 1 invest in education 1 invest on farming 1 invested in a hammermill 1 invested in birth of the child. 1 invested in education 1 invested in farming 3 invested in farming (cotton) 1 invested in farming and grocery business 1 invested in farming. 1 invested in school. 1 invested in selling charcoal 1 invested through education 1 investing in edication 1 investing in education 3 investing in farming 3 investing in livestock 1 investing in school 1 investing on farming 1 job hunt 1 job hunting 1 just farming 2 just piece works 1 just praying to God 1 just working 2 keep livestock 1 keeping cows 1 keeping goats 1 keeping livestock 3 keeping some domestic animals 1 knitting various garments and working 1 l hava investment plan with ZISC 1 l have a business 1 laying down saving scheme 1 lending money to people. (kaloba) 1 live stock rearing 1 livestock 1 livestock farming 1 look for work 1 looking for a job 3 looking for a job since an done with school. 1 looking for a jok 1 looking for employment 2 looking for land 1 looking work 1 make sure i complete school 1 make sure i finish school 2 making blocks for sell 1 making charcoal 1 making some mat 1 making sure you have served something at the end of the month and trying to do bussiness 1 market trading. 1 my busness 1 my husband has a business 1 nitting 1 none 2 not sure. 1 not yet but headed for the same 1 nothing 5 nothing at the moment 1 own a business 1 part time business~ ~ 1 perusing my diploma 1 perusing my secondary education 1 pice work. 1 piece work 10 piece work and farming 1 piece works 1 planing to open an account when I have money 1 planning 4 planning of going to school 1 planning on a business. 1 planning to buy land for farming. 1 planning to continue my education 1 planning to find something to do 1 planning to go back to school.(college) 1 planning to go to college and have a better future 1 planning to go to school 1 planning to have my own house 1 planning to open a stationery shop 1 planning to start a business 2 planning to start business 1 planning to start working 1 plans are unfolding gradually 1 planting bananas, mangoes, building a shop 1 praying to God for his grace and blessings 1 pursuing a degree in special education and history 1 pursuing my studies 1 put more inputs into various projects example farming 1 raise money to buy a land 1 reinvesting in real estate 1 relaying on husbands job 1 rely on rentals 1 relying on farm product's which he sells 1 relying on farming 1 relying on farming and gives kaloba 1 relying on farming products 1 relying on sells of agriculture products 1 repairing shoes 1 respondent is a second year student 1 respondent is going to school with a view of becoming a teacher 1 rewriting some subjects at school so that she can get a job 1 right now am not but within two day I will start working 1 running a business in a shop 1 running a grocery 1 saloon 1 saving and started a business 1 saving club 2 saving little money 1 school 9 school going child 1 schooling 9 searching for a job 1 searching for a job. 1 seeking employment 1 sell farm produce 1 selling 2 selling Tomatoes and other food stuffs 1 selling charcoal 1 selling clothes 2 selling clothes and food stuffs 1 selling foods 1 selling milk 1 selling products 1 selling samoosas 1 selling second hand clothes and scones 1 selling vegetables and tomatoes 1 send school children to further education 1 she doing business 1 she is doing business 1 she is studying. 1 she owns a saloon 1 she want to start saving the money. 1 she's doing chilimba 1 she's studying very hard 1 shylock 1 slaughter animals 1 so far not yet 1 sourcing for money at the moment 1 1 start a business 3 start farming 1 started a business 2 started business 2 started farming 7 started school 1 started up a small garden to grow vegetables. 1 started working 1 still a pupil 1 still at school 1 still going to school 1 still schooling 1 student 1 study hard at school 1 studying 5 studying at school 1 studying bricklaying 1 studying hard at school 1 studying she still at school 1 studying to get better grades 1 studying. teaching 1 teaching 1 teaching at the community school 1 the are going to school 1 the farming,taxi and block making businesses 1 the same businesses I do 1 they. have a business 1 think of starting a business 1 thinking of going to the farm to start a business 1 through business 3 through education 1 through farming 4 through piece work 1 through the same farming and sell abit of it 1 throw piece work 1 to build a house 1 to educate. my childrn 1 trading 1 trust in God 1 trusting in God 1 trying to do business. 1 trying to farm 1 trying to find a job 1 trying to grow my business 1 trying to raise money for another business 1 trying to shift from the business am doing to another one 1 trying to start business 1 upgrading my education 6 upgrading school 1 vegetable farming 4 vergitable farming and livestock 1 waiting for my pension 1 want to build a house 1 want to change my business 1 want to sell sunflower and ground nuts to buy roofing for house 1 want to start a business 1 want to start business 3 want to start business. 1 want to start selling beer 1 wants to empower his wife with business and wants to invest in his children 1 wants to invest in business 1 wants to start a business 2 we are expanding in our farming 1 we are trying to open up a company so that we can employ brick layers and capenters 1 1 what to go to school so I find a better job 1 when I finish my education 1 will start working when I finish school 1 work 1 work as a bus driver 1 work on progress starting up business 1 working 15 working as a driver to earn money to pay for college 1 working for job 1 working hard 2 working hard at school 2 working hard in school 1 working hard to ensure my business keeps going 1 working in farms 1 working in the field 1 working in transport business 1 working. 1 would rather do farming as securing the future 1 3.11. How will you mainly ensure that you have money to meet your needs when you 3295 5276 1 Savings 521 2 Children 576 3 Land/property 232 4 Own business 238 5 Rental income 134 6 Shares 2 7 Farming/agriculture/livestock 293 8 Pension 45 9 Insurance policy 5 10 Don't know/have no plans 965 11 Other specify 284 Sysmiss 5276 3.11. How will you mainly ensure that you have money to meet your needs when you are old and cannot work? 3.11. How will you mainly ensure that you have money to meet your needs when you 284 0 Already old 2 Am already old 1 Am already old and am relying on farming and children 1 Am already old don't have strength to do things 1 Am already old. 1 Am planning to start saving 1 Am too old 1 Am working on some long term projects 1 Belong to a saving group 1 Building a House 1 Buy Land and build a house for rent 1 Buy land as well as rely on children 1 By God's blessings 1 Depending on the well wishes. 1 Do business 1 Doing piece works. 1 Education 2 Family is keeping me as am already old 1 Family members 1 From Friends 1 God 1 God is the one who knows that 1 God knows 1 Has no money to keep cause they are already old 1 Have got plans 1 I am still looking for employment so that I can start saving money 1 I believe I will find some kind of work to sustain my future needs by find some peice work 1 I bought some goats 1 I do save at home but again take out some when need arises 1 I don't know 1 I don't know because am finding it difficult even now 1 I don't money but I would like to save 1 I don't. know 1 I educated my children 1 I have a plan but financially I can't manage 1 I have plans but I don't have money 1 I have plans to start saving at the bank if all goes right 1 I have to make sure that I work hard 1 I haven't. yet thought. about that or prepared for that 1 I intend to build my own house 1 I trust. God will sustain me 1 I want to build house I can rent out to people 1 I want to have a proper business 1 I want to start a business 1 I will get married 1 I will go yo the village to farm 1 I will invest in houses and business 1 I will rely on family 1 I would start doing piece works. 1 I'll need help from government 1 I'm doing nothing and I'm old 1 I'm planning what to do now 1 I'm thinking getting a driver's license 1 Join clubs to help. 1 Lending out money when i have so that i have enough when am old 1 Living by faith (by God's grace) 1 Napsa 1 Not doing anything but have a plan 1 Nothing 5 Notr 1 Piecework will sustain her 1 Relatives can be helping me 1 Rely on the husband's savings from fishing 1 Respondent wants to start a business 1 She has plans 1 She will struggle the way she's been doing just like this 1 Start a business 1 Still going to school she will get a job afterwards 1 Still planing. 1 Talk to elder siblings to help her with capital to start up a business 1 The Government 1 Through piece work 1 Vegetable trading business 1 Will get help from relatives 1 Will have children 1 Will look for a job 1 Will open an account 1 Will start a business 2 already old 7 am a teacher 1 am about to do this by the end of this year 1 am already old 3 am already old now. 1 am back to school 1 am doing a small family business to meet household needs 1 am pray my children will be there to help me 1 am retired so I use the income from rentals 1 am still at school 1 an old. nothing 1 an uncle 1 as at now nothing 1 ask help from government 1 at this time I don't even know what to do 1 business 3 by working hard 1 chilimba 1 concentrating on my studies 1 continue farming 1 depend on the help from well wishers 1 depends on the community 1 do business 1 do have plans but I don't have finances 1 doing nothing about it 1 don't even think about that I am waiting for my death 1 don't have 1 education 1 family 1 family to take care of har 1 farming 3 fish farming 1 from family members 1 from family. 1 from the Government 1 from the family members 1 further my education 1 get a job 1 go back to my mother's land 1 go to mother's farm 1 going to college 1 government 1 have got no idea yet 1 i Will start a business 1 i bought some goats and cattle 1 i should work hard so that i can have money for use when i completed my education 1 i want to start distance education 1 invest in fixed assets 1 invest in some business 1 invest. 1 investing in children's education 1 investing in education 2 investment in building 1 join the group in the community 1 just has hope 1 just praying 1 just working hard 1 kwina 2 look for things to do 1 making investiments 1 money from some boyfriend 1 my children to help me. 1 my family helps me 1 my wife is doing business 1 needs to work hard 1 never thought of that 1 no money so nothing 1 no money to start anything to ensure that she is provided for when old 1 no where 2 none 2 not certain 1 not doing anything yet 1 not involved 1 nothing 22 nothing and o dint knw 1 nothing as at now 1 nothing but I have livestock I can't rely on them because of diseases 1 nothing to do 1 nothing. 3 old 1 old already 1 only God knows 1 open an account 1 own a salon 1 piece work 4 plan are there but resources 1 planing to buy a plot when when the respondent has money 1 planing to goto school 1 planing to start a business 2 planning to establish a business 1 planning to start business 1 putting money aside 1 putting my house into a guest house 1 rely on government 1 rely on my children 2 rely on my own business 1 rely on well wishers 1 respondent is above 60 year's,question does not apply 1 respondent is already old and can barely work 1 respondent is planning on buying land 1 respondent will start a business 1 retirement package 1 running a shop and keeping chickens 1 sales from small farming 1 sales vegetables 1 school 1 schooling 1 seek help from the government 2 seek support from government 1 shares. in a company 1 she is already old 1 she is planning to go to school 1 she not doing anything about it 1 she will start up a busines 1 she's old already 1 since she is in school when she completes she will build houses and put them on rent. 1 start a business 1 start business 1 still at school 1 still planning 1 still planning for it 1 still planning on what I can do 1 taking children to school 2 teaching my children so that they can help, e when am old 1 that's wen am thinking about it 1 the children I have Will take care of me 1 the church 1 the government can help me 1 the government should help us. 1 the government will be helping 1 thinking of buying a farm 1 thinking of finishing my education and starting a business 1 thinking of starting up her own business 1 through music 1 through the money am saving with chilimba 1 upgrading my education 1 upgrading my education so that i save and rely on my self 1 use a sola panel 1 want to build a house 1 want to get a hammer mill 1 want to join the group to start saving 1 want to rise money so as I can go to school.am sure my future will be okay 1 want to start a business 1 wanting to be a councilor 1 we are creating a farm whose produce will be intended for emergencies 1 we have a truck 1 we want to start farming 1 wife's business 1 will start a business 1 working 1 working hard to establish a strong business 1 working hard. 1 yet to start a business but at now am not doing anything 1 3.11. How will you mainly ensure that you have money to meet your needs when you are old and cannot work? [Other (specify)] 4.1. Respondent's definition of saving 8479 92 1 Putting money somewhere to keep it safe 1547 2 Putting money somewhere to stop you from spending it so that 2755 3 Putting money away so that the total amount increases over t 843 4 Putting money away so that the total amount increases over t 1452 5 Putting money aside for you to use later for something speci 905 6 Savings is the money that is left over from your income afte 518 7 Don't know 459 Sysmiss 92 4.2.You sometimes don't buy things that you want in order to save money 8479 92 1 Agree 5749 2 Disagree 2730 Sysmiss 92 4.2.You save or put money away for a specific purpose and you do not use it for 8479 92 1 Agree 5850 2 Disagree 2629 Sysmiss 92 4.2.You save or put money away for a specific purpose and you do not use it for any other purpose 4.2.You save or put money away for a specific purpose but you end up using it fo 8479 92 1 Agree 5363 2 Disagree 3116 Sysmiss 92 4.2.You save or put money away for a specific purpose but you end up using it for something else before you used it for that purpose 8479 92 1 Agree 3588 2 Disagree 4891 Sysmiss 92 4.3.a. Savings products 8479 92 1 Savings at a bank 1653 2 Savings at a microfinance institution like Finca or Pride 17 3 Savings at a savings and credit cooperative (SACCO) 44 4 Savings that you keep on your mobile phone 109 5 Savings with your employer 37 6 Savings with Chilimba 623 7 Savings with savings group 175 8 Savings with another community group or church 76 9 Savings in the form of cash at home or in a secret hiding pl 1816 10 Savings in the form of cash kept safe by carrying it around 158 11 Savings by means of money given to a household or family mem 313 12 Saving by means of money given to someone else for safe keep 37 13 Savings by means of buying farming/fishing inputs in advance 105 14 Savings by means of buying business stock or materials 86 15 Savings by means of buying building materials to use at a la 15 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 5 18 Shares on the stock exchange 0 19 Pension / NAPSA 27 20 Any other form of savings that I have not mentioned that you 123 21 None 3060 Sysmiss 92 4.3.a. Savings products 1772 6799 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 22 3 Savings at a savings and credit cooperative (SACCO) 29 4 Savings that you keep on your mobile phone 101 5 Savings with your employer 37 6 Savings with Chilimba 248 7 Savings with savings group 62 8 Savings with another community group or church 45 9 Savings in the form of cash at home or in a secret hiding pl 392 10 Savings in the form of cash kept safe by carrying it around 184 11 Savings by means of money given to a household or family mem 175 12 Saving by means of money given to someone else for safe keep 24 13 Savings by means of buying farming/fishing inputs in advance 141 14 Savings by means of buying business stock or materials 118 15 Savings by means of buying building materials to use at a la 29 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 3 18 Shares on the stock exchange 5 19 Pension / NAPSA 126 20 Any other form of savings that I have not mentioned that you 31 21 None 0 Sysmiss 6799 4.3.a. Savings products 676 7895 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 8 5 Savings with your employer 13 6 Savings with Chilimba 38 7 Savings with savings group 13 8 Savings with another community group or church 15 9 Savings in the form of cash at home or in a secret hiding pl 94 10 Savings in the form of cash kept safe by carrying it around 64 11 Savings by means of money given to a household or family mem 93 12 Saving by means of money given to someone else for safe keep 8 13 Savings by means of buying farming/fishing inputs in advance 110 14 Savings by means of buying business stock or materials 77 15 Savings by means of buying building materials to use at a la 41 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 1 18 Shares on the stock exchange 2 19 Pension / NAPSA 85 20 Any other form of savings that I have not mentioned that you 14 21 None 0 Sysmiss 7895 4.3.a. Savings products 293 8278 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 1 6 Savings with Chilimba 4 7 Savings with savings group 5 8 Savings with another community group or church 9 9 Savings in the form of cash at home or in a secret hiding pl 10 10 Savings in the form of cash kept safe by carrying it around 22 11 Savings by means of money given to a household or family mem 35 12 Saving by means of money given to someone else for safe keep 3 13 Savings by means of buying farming/fishing inputs in advance 60 14 Savings by means of buying business stock or materials 47 15 Savings by means of buying building materials to use at a la 35 16 Savings in Treasury Bills or Government Bonds 1 17 Savings in unit trusts 1 18 Shares on the stock exchange 4 19 Pension / NAPSA 50 20 Any other form of savings that I have not mentioned that you 6 21 None 0 Sysmiss 8278 4.3.a. Savings products 132 8439 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 1 9 Savings in the form of cash at home or in a secret hiding pl 4 10 Savings in the form of cash kept safe by carrying it around 2 11 Savings by means of money given to a household or family mem 7 12 Saving by means of money given to someone else for safe keep 1 13 Savings by means of buying farming/fishing inputs in advance 21 14 Savings by means of buying business stock or materials 37 15 Savings by means of buying building materials to use at a la 28 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 3 19 Pension / NAPSA 28 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8439 4.3.a. Savings products 55 8516 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 1 12 Saving by means of money given to someone else for safe keep 1 13 Savings by means of buying farming/fishing inputs in advance 5 14 Savings by means of buying business stock or materials 11 15 Savings by means of buying building materials to use at a la 16 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 19 20 Any other form of savings that I have not mentioned that you 2 21 None 0 Sysmiss 8516 4.3.a. Savings products 15 8556 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 1 14 Savings by means of buying business stock or materials 3 15 Savings by means of buying building materials to use at a la 5 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 4 20 Any other form of savings that I have not mentioned that you 2 21 None 0 Sysmiss 8556 4.3.a. Savings products 3 8568 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 1 15 Savings by means of buying building materials to use at a la 1 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 1 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8568 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products 0 8571 1 Savings at a bank 0 2 Savings at a microfinance institution like Finca or Pride 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 0 5 Savings with your employer 0 6 Savings with Chilimba 0 7 Savings with savings group 0 8 Savings with another community group or church 0 9 Savings in the form of cash at home or in a secret hiding pl 0 10 Savings in the form of cash kept safe by carrying it around 0 11 Savings by means of money given to a household or family mem 0 12 Saving by means of money given to someone else for safe keep 0 13 Savings by means of buying farming/fishing inputs in advance 0 14 Savings by means of buying business stock or materials 0 15 Savings by means of buying building materials to use at a la 0 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 0 18 Shares on the stock exchange 0 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 21 None 0 Sysmiss 8571 4.3.a. Savings products [Other (specify)] 178 0 Airtel money banking 1 An insurance company 1 At home 3 Banki Mukonde Club 1 Barclays 1 Building society 1 Cooperative 1 Family 2 Farmer's association 1 Friends 1 He saves money by means of buying livestock 1 I bought farming products like goat, cattle or vehicle then I sale them 1 I buy cattle 1 I don't have a savings account in my name but my husband does that's where we savge our money 1 I give my husband to put for me in his account. 1 I give out Kaloba to different people 1 I give people in shops to keep for me 1 I have a grocery shop 1 I have bought some goats 1 I keep it my self because I don't trust anyone to keep for me 1 I keep money by myself in this house 1 I keep money by myself. 1 I keep myself 1 I keep savings on my own 1 I lend money to people I trust as a way of saving. when I need the money I just ask for it 1 1 I save by myself. 1 I save money on my phone 1 I save money through buying goats and then resell when I am in trouble. 1 I save money with the building society 1 I save my money by buying assets such as bicycles,radio etc 1 I save with MTN money. 1 In The House 1 Keep money on my own 1 Keep my savings in the house 1 MTN mobile money 1 Mobile money 1 Mobile money account 1 Open account 1 Osawa savings 1 Respondent keeps money at home 1 Respondent saves at home 2 Respondent saves money at home 1 Saves money to the parents 1 Saving from another place (sends the money in Mkushi for safe keeping) 1 Saving in form of cattle 1 Saving in form of livestock 1 Savings at home 19 Savings by means of lending money. 1 Savings in Livestock. 1 Savings in form of money given as kaloba 1 Savings in the house 1 Savings through Assets bought 1 Savings through children's contribution 1 Savings through mobile money 1 Savings with silk 1 Savings with the African insurance 1 Savings with the Pastor 1 Silk, you can save and borrow from this group 1 Siuku 1 Stop orders 1 Tuwafane women's club 1 Using bayport 1 ZSIC Savings. 1 Zambia national building society. 1 barclays bank sometime back. 1 belonged to ichilimba but not any more 1 building society 1 business 1 buying livestock 3 buying livestock like goats 1 buying livestock to keep. 1 by giving out kaloba 1 by keeping money home 1 cows for sell 1 1 fertilizer and seeds cooperative 1 gives someone to hold. 1 gives someone within the hh. 1 has account at mtn 1 he buys animals for sell. 1 he uses barter system 1 i save on my own 1 in a hidden place in the house 1 in business 1 in hidden place at home 1 in my household 1 in the shop 1 kaloba 2 kaloba or shylock 1 keep money on my phone using MTN money 1 keeping at home 1 lending kaloba 2 like buying a fridge in view of selling it 1 livestock 1 mobile money 1 money is in form of cattle 1 mtn 1 mtn money 1 mum keeps it for me 1 my parents help me to save 1 my parents save for me 1 myself 1 national building society 1 order rape vegetable only and sell 1 poultry 1 private savings in a tin 1 save in the house 1 save in the section committee 1 save money by giving kaloba 1 save money using my sister. 1 save on my own 3 save on my own. 3 save on our own in our household 1 saves money on phone with airtel 1 saving at building society 1 saving by means of buying asset with the intention of reselling 1 saving by means of buying livestock 1 saving by means of buying livestock such as chicken and goat 1 saving in business 1 saving in form of farming and livestock 1 saving in means of farm produce after cropping market 1 saving money in livestock 1 saving through our personal business 1 saving with a women's club 1 savings at an insurance company 1 savings at home 1 savings by means of buying animals/livestock (e.g. goats and chikens 1 savings by means of buying livestock 2 savings by means of lending money on kaloba basis ONLY to people engaged in business 1 savings in MTN. money 1 savings in form of lending money to people who latter pay back with interests. 1 savings in form of livestock 2 savings in form of property which i will sale later 1 savings through livestock 1 savings with Zambia state insuarance corporation 1 savings with an insurance company 1 savings with insurance companies also 1 savings with mobile money 1 shares in Cooperative 1 shares in Cooperative (Chinchi wababili) 1 silku 1 support youth group 1 tin 1 workman Compensation fund 1 zisc 1 4.3a (i). You said that you saved with someone in the community, do you pay for 74 8497 1 Yes 7 2 No 67 Sysmiss 8497 4.3a (i). You said that you saved with someone in the community, do you pay for this service? 4.3.b. Frequency of saving - Savings at a bank 1653 6918 1 Less than once a month 305 2 Once a month 985 3 More than once a month 363 Sysmiss 6918 4.3.b. Frequency of saving - Savings at a microfinance institution like Finca or 39 8532 1 Less than once a month 8 2 Once a month 24 3 More than once a month 7 Sysmiss 8532 4.3.b. Frequency of saving - Savings at a microfinance institution like Finca or Pride 4.3.b. Frequency of saving - Savings at a savings and credit cooperative (SACCO) 73 8498 1 Less than once a month 42 2 Once a month 22 3 More than once a month 9 Sysmiss 8498 4.3.b. Frequency of saving - Savings that you keep on your mobile phone 218 8353 1 Less than once a month 59 2 Once a month 93 3 More than once a month 66 Sysmiss 8353 4.3.b. Frequency of saving - Savings with your employer 88 8483 1 Less than once a month 13 2 Once a month 62 3 More than once a month 13 Sysmiss 8483 4.3.b. Frequency of saving - Savings with Chilimba 913 7658 1 Less than once a month 120 2 Once a month 477 3 More than once a month 316 Sysmiss 7658 4.3.b. Frequency of saving - Savings with savings group 255 8316 1 Less than once a month 53 2 Once a month 116 3 More than once a month 86 Sysmiss 8316 4.3.b. Frequency of saving - Savings with another community group or church 146 8425 1 Less than once a month 36 2 Once a month 65 3 More than once a month 45 Sysmiss 8425 4.3.b. Frequency of saving - Savings in the form of cash at home or in a secret 2316 6255 1 Less than once a month 656 2 Once a month 765 3 More than once a month 895 Sysmiss 6255 4.3.b. Frequency of saving - Savings in the form of cash at home or in a secret hiding place that you are not using for everyday living expenses 4.3.b. Frequency of saving - Savings in the form of cash kept safe by carrying i 430 8141 1 Less than once a month 138 2 Once a month 94 3 More than once a month 198 Sysmiss 8141 4.3.b. Frequency of saving - Savings in the form of cash kept safe by carrying it around 4.3.b. Frequency of saving - Savings by means of money given to a household or f 624 7947 1 Less than once a month 223 2 Once a month 220 3 More than once a month 181 Sysmiss 7947 4.3.b. Frequency of saving - Savings by means of money given to a household or family member or friend to keep safe for you 4.3.b. Frequency of saving - Saving by means of money given to someone else for 74 8497 1 Less than once a month 24 2 Once a month 30 3 More than once a month 20 Sysmiss 8497 4.3.b. Frequency of saving - Saving by means of money given to someone else for safe keeping 4.3.b. Frequency of saving - Savings by means of buying farming/fishing inputs i 443 8128 1 Less than once a month 218 2 Once a month 94 3 More than once a month 131 Sysmiss 8128 4.3.b. Frequency of saving - Savings by means of buying farming/fishing inputs in advance 4.3.b. Frequency of saving - Other 178 8393 1 Less than once a month 63 2 Once a month 57 3 More than once a month 58 Sysmiss 8393 4.3c. Approximately how much money do you save every time you save - Savings at 1653 6918 0 10032000 4.3c. Approximately how much money do you save every time you save - Savings at a bank 4.3c. Approximately how much money do you save every time you save - Savings at 39 8532 20 2000 4.3c. Approximately how much money do you save every time you save - Savings at a microfinance institution like Finca or Pride 4.3c. Approximately how much money do you save every time you save - Savings at 73 8498 0 200000 4.3c. Approximately how much money do you save every time you save - Savings at a savings and credit cooperative (SACCO) 4.3c. Approximately how much money do you save every time you save - Savings tha 218 8353 0 5000 4.3c. Approximately how much money do you save every time you save - Savings that you keep on your mobile phone 4.3c. Approximately how much money do you save every time you save - Savings wit 88 8483 0 9000 4.3c. Approximately how much money do you save every time you save - Savings with your employer 4.3c. Approximately how much money do you save every time you save - Savings wit 913 7658 0 8000 4.3c. Approximately how much money do you save every time you save - Savings with Chilimba 4.3c. Approximately how much money do you save every time you save - Savings wit 255 8316 1 9999 4.3c. Approximately how much money do you save every time you save - Savings with savings group 4.3c. Approximately how much money do you save every time you save - Savings wit 146 8425 0 9999 4.3c. Approximately how much money do you save every time you save - Savings with another community group or church 4.3c. Approximately how much money do you save every time you save - Savings in 2316 6255 0 20011 4.3c. Approximately how much money do you save every time you save - Savings in the form of cash at home or in a secret hiding place that you are not using for everyday living expenses 4.3c. Approximately how much money do you save every time you save - Savings in 430 8141 0 2000 4.3c. Approximately how much money do you save every time you save - Savings in the form of cash kept safe by carrying it around (e.g. in waist band/chitenge - not using it for everyday living expenses 4.3c. Approximately how much money do you save every time you save - Savings by 624 7947 0 14000 4.3c. Approximately how much money do you save every time you save - Savings by means of money given to a household or family member or friend to keep safe for you 4.3c. Approximately how much money do you save every time you save - Saving by m 74 8497 0 2800 4.3c. Approximately how much money do you save every time you save - Saving by means of money given to someone else for safe keeping (e.g. money guards 4.3c. Approximately how much money do you save every time you save - Savings by 443 8128 0 400000 4.3c. Approximately how much money do you save every time you save - Savings by means of buying farming/fishing inputs in advance (like seeds or fertiliser 4.3c. Approximately how much money do you save every time you save - Other 178 8393 0 20000 4.3.d. Most recent use - Savings at a bank 1653 6918 1 Yesterday 61 2 In the past 7 days 302 3 In the past 30 days 786 4 In the past 90 days 280 5 More than 90 days ago but less than 6 months ago 101 6 6 months or longer ago 123 Sysmiss 6918 4.3.d. Most recent use - Savings at a microfinance institution like Finca or Pri 39 8532 1 Yesterday 2 2 In the past 7 days 9 3 In the past 30 days 16 4 In the past 90 days 7 5 More than 90 days ago but less than 6 months ago 2 6 6 months or longer ago 3 Sysmiss 8532 4.3.d. Most recent use - Savings at a microfinance institution like Finca or Pride 4.3.d. Most recent use - Savings at a savings and credit cooperative (SACCO) 73 8498 1 Yesterday 1 2 In the past 7 days 7 3 In the past 30 days 22 4 In the past 90 days 19 5 More than 90 days ago but less than 6 months ago 12 6 6 months or longer ago 12 Sysmiss 8498 4.3.d. Most recent use - Savings that you keep on your mobile phone 218 8353 1 Yesterday 22 2 In the past 7 days 43 3 In the past 30 days 87 4 In the past 90 days 46 5 More than 90 days ago but less than 6 months ago 11 6 6 months or longer ago 9 Sysmiss 8353 4.3.d. Most recent use - Savings with your employer 88 8483 1 Yesterday 7 2 In the past 7 days 10 3 In the past 30 days 47 4 In the past 90 days 8 5 More than 90 days ago but less than 6 months ago 5 6 6 months or longer ago 11 Sysmiss 8483 4.3.d. Most recent use - Savings with Chilimba 913 7658 1 Yesterday 127 2 In the past 7 days 256 3 In the past 30 days 413 4 In the past 90 days 75 5 More than 90 days ago but less than 6 months ago 21 6 6 months or longer ago 21 Sysmiss 7658 4.3.d. Most recent use - Savings with savings group 255 8316 1 Yesterday 13 2 In the past 7 days 74 3 In the past 30 days 102 4 In the past 90 days 32 5 More than 90 days ago but less than 6 months ago 14 6 6 months or longer ago 20 Sysmiss 8316 4.3.d. Most recent use - Savings with another community group or church 146 8425 1 Yesterday 7 2 In the past 7 days 39 3 In the past 30 days 44 4 In the past 90 days 24 5 More than 90 days ago but less than 6 months ago 13 6 6 months or longer ago 19 Sysmiss 8425 4.3.d. Most recent use - Savings in the form of cash at home or in a secret hidi 2316 6255 1 Yesterday 348 2 In the past 7 days 665 3 In the past 30 days 755 4 In the past 90 days 307 5 More than 90 days ago but less than 6 months ago 115 6 6 months or longer ago 126 Sysmiss 6255 4.3.d. Most recent use - Savings in the form of cash at home or in a secret hiding place that you are not using for everyday living expenses 4.3.d. Most recent use - Savings in the form of cash kept safe by carrying it ar 430 8141 1 Yesterday 176 2 In the past 7 days 125 3 In the past 30 days 81 4 In the past 90 days 33 5 More than 90 days ago but less than 6 months ago 11 6 6 months or longer ago 4 Sysmiss 8141 4.3.d. Most recent use - Savings in the form of cash kept safe by carrying it around 4.3.d. Most recent use - Savings by means of money given to a household or famil 624 7947 1 Yesterday 34 2 In the past 7 days 106 3 In the past 30 days 226 4 In the past 90 days 134 5 More than 90 days ago but less than 6 months ago 55 6 6 months or longer ago 69 Sysmiss 7947 4.3.d. Most recent use - Savings by means of money given to a household or family member or friend to keep safe for you 4.3.d. Most recent use - Saving by means of money given to someone else for safe 74 8497 1 Yesterday 3 2 In the past 7 days 10 3 In the past 30 days 32 4 In the past 90 days 18 5 More than 90 days ago but less than 6 months ago 4 6 6 months or longer ago 7 Sysmiss 8497 4.3.d. Most recent use - Saving by means of money given to someone else for safe keeping 4.3.d. Most recent use - Savings by means of buying farming/fishing inputs in ad 443 8128 1 Yesterday 5 2 In the past 7 days 21 3 In the past 30 days 74 4 In the past 90 days 134 5 More than 90 days ago but less than 6 months ago 103 6 6 months or longer ago 106 Sysmiss 8128 4.3.d. Most recent use - Savings by means of buying farming/fishing inputs in advance 4.3.d. Most recent use - Other 178 8393 1 Yesterday 5 2 In the past 7 days 31 3 In the past 30 days 59 4 In the past 90 days 34 5 More than 90 days ago but less than 6 months ago 16 6 6 months or longer ago 33 Sysmiss 8393 4.3.e. Reasons for not using more frequently - Savings at a bank 123 8448 1 Didn't have money to save 71 2 Can't get my money when I need it 2 3 Interest not high 0 4 Other 50 Sysmiss 8448 4.3.e. Reasons for not using more frequently - Savings at a microfinance institu 3 8568 1 Didn't have money to save 2 2 Can't get my money when I need it 0 3 Interest not high 1 4 Other 0 Sysmiss 8568 4.3.e. Reasons for not using more frequently - Savings at a microfinance institution like Finca or Pride 4.3.e. Reasons for not using more frequently - Savings at a savings and credit c 12 8559 1 Didn't have money to save 2 2 Can't get my money when I need it 2 3 Interest not high 2 4 Other 6 Sysmiss 8559 4.3.e. Reasons for not using more frequently - Savings at a savings and credit cooperative (SACCO) 4.3.e. Reasons for not using more frequently - Savings that you keep on your mob 9 8562 1 Didn't have money to save 6 2 Can't get my money when I need it 1 3 Interest not high 0 4 Other 2 Sysmiss 8562 4.3.e. Reasons for not using more frequently - Savings that you keep on your mobile phone 4.3.e. Reasons for not using more frequently - Savings with your employer 11 8560 1 Didn't have money to save 1 2 Can't get my money when I need it 1 3 Interest not high 0 4 Other 9 Sysmiss 8560 4.3.e. Reasons for not using more frequently - Savings with Chilimba 21 8550 1 Didn't have money to save 7 2 Can't get my money when I need it 1 3 Interest not high 2 4 Other 11 Sysmiss 8550 4.3.e. Reasons for not using more frequently - Savings with savings group 20 8551 1 Didn't have money to save 2 2 Can't get my money when I need it 0 3 Interest not high 0 4 Other 18 Sysmiss 8551 4.3.e. Reasons for not using more frequently - Savings with another community gr 19 8552 1 Didn't have money to save 3 2 Can't get my money when I need it 2 3 Interest not high 0 4 Other 14 Sysmiss 8552 4.3.e. Reasons for not using more frequently - Savings with another community group or church 4.3.e. Reasons for not using more frequently - Savings in the form of cash at ho 126 8445 1 Didn't have money to save 75 2 Can't get my money when I need it 4 3 Interest not high 0 4 Other 47 Sysmiss 8445 4.3.e. Reasons for not using more frequently - Savings in the form of cash at home or in a secret hiding place that you are not using for everyday living expenses 4.3.e. Reasons for not using more frequently - Savings in the form of cash kept 4 8567 1 Didn't have money to save 1 2 Can't get my money when I need it 1 3 Interest not high 0 4 Other 2 Sysmiss 8567 4.3.e. Reasons for not using more frequently - Savings in the form of cash kept safe by carrying it around 4.3.e. Reasons for not using more frequently - Savings by means of money given t 69 8502 1 Didn't have money to save 33 2 Can't get my money when I need it 7 3 Interest not high 0 4 Other 29 Sysmiss 8502 4.3.e. Reasons for not using more frequently - Savings by means of money given to a household or family member or friend to keep safe for you 4.3.e. Reasons for not using more frequently - Saving by means of money given to 7 8564 1 Didn't have money to save 5 2 Can't get my money when I need it 0 3 Interest not high 0 4 Other 2 Sysmiss 8564 4.3.e. Reasons for not using more frequently - Saving by means of money given to someone else for safe keeping 4.3.e. Reasons for not using more frequently - Savings by means of buying farmin 106 8465 1 Didn't have money to save 17 2 Can't get my money when I need it 3 3 Interest not high 3 4 Other 83 Sysmiss 8465 4.3.e. Reasons for not using more frequently - Savings by means of buying farming/fishing inputs in advance 4.3.e. Reasons for not using more frequently - Other 33 8538 1 Didn't have money to save 12 2 Can't get my money when I need it 3 3 Interest not high 0 4 Other 18 Sysmiss 8538 4.3.f. Which of these suits your savings needs best? 1772 6799 1 Savings at a bank 516 2 Savings at a microfinance institution like Finca or Pride 6 3 Savings at a savings and credit cooperative (SACCO) 21 4 Savings that you keep on your mobile phone 45 5 Savings with your employer 14 6 Savings with Chilimba 252 7 Savings with savings group 58 8 Savings with another community group or church 24 9 Savings in the form of cash at home or in a secret hiding pl 233 10 Savings in the form of cash kept safe by carrying it around 30 11 Savings by means of money given to a household or family mem 134 12 Saving by means of money given to someone else for safe keep 11 13 Savings by means of buying farming/fishing inputs in advance 175 14 Savings by means of buying business stock or materials 110 15 Savings by means of buying building materials to use at a la 31 16 Savings in Treasury Bills or Government Bonds 0 17 Savings in unit trusts 1 18 Shares on the stock exchange 3 19 Pension / NAPSA 80 20 {0} 28 Sysmiss 6799 4.4. Main reason for choosing most suitable savings mechanism 5419 3152 1 Proximity - convenient access 747 2 Easy/simple to use 703 3 Have quick access 1142 4 Know money is safe from theft/fire 980 5 Trust 496 6 Earn good interest 580 7 Because others (family members/community/members/friends) us 61 8 So nobody/a particular person will know about it 55 9 Other, specify 655 Sysmiss 3152 4.4. Main reason for choosing most suitable savings mechanism - Other (Specify) 655 Agriculture brings development 1 Am not aware of any other methods of keeping money 1 Avoid misuse of money 1 Avoiding wastage 1 Banks stop respondent from using money recklessly 1 Banks want a lot of money 1 Because Chilimba helps me with finances whenever I needed help 1 Because I can misuse the money and I trust h 1 Because I can not withdraw the money at any time I want to. 1 Because I don't have a job so it is way of having money 1 Because I don't manage to have a lot money to keep elsewhere 1 Because I only do piece work, I don't work in government to save at the bank. 1 Because I want to avoid misusing money. 1 Because I want to use the money for something later 1 Because I won't be able to spend it often 1 Because Of fixed deposit from government 1 Because funds are insufficient to take to bank 1 Because in this area there are no facilities likes banks for me to keep my savings 1 Because it boosts me in needy times 1 Because it is mandatory by law to do that. 1 Because it's very little 1 Because my husband choose it 1 Because my source of income is not stable 1 Because of difficult access to savings 1 Because she can't manage to keep money by herself 1 Because she earns little money which cannot sustain other saving measures 1 Because the amount is little. 1 Because there is no bank account 1 Because we can't manage to put at the bank 1 Chilimba pays lump sum 1 Complications with ATMs 1 Doesn't want to waste money like he did along time ago when he was saving from home 1 Don't have a bank account 1 Food 1 For eventualities 1 For farming inputs 1 For future use 3 For saving purposes 1 For when I retire 1 Have access to a loan in the future 1 Having too little money 1 He doesn't have enough money 1 He only has insufficient funds 1 He rarely withdraws 1 Helping each other 1 Helps me asset acquisation 1 I am not able to spend the money 1 I am tempted less to use the money that way. 1 I avoid misusing the money 1 I can't access the money anytime I want to but I can access my ATM anytime. and am not disciplined. 1 I can't get any time I fill like. 1 I can't manage bank charges 1 I can't manage to have a bank account 1 I can't take it to the bank it's not enough 1 I can't take to the bank 1 I can't use it anyhow 2 I can't use it at home because it is with someone 1 I can't withdraw at will 1 I do get some interest 1 I don't get a fair share in a group savings 1 I don't have a bank account 1 I don't have a bank account that's why I save in the house 1 I don't have a bank account yet 1 I don't have an account 4 I don't have any means of keeping money 1 I don't have ease access to money 1 I don't have enough money that I can keep anywhere apart from home 1 I don't have enough money to keep at a higher institution so I would rather keep my money on my own 1 I don't have were to save 1 I don't have were to save my money 1 I don't have where to put that's why I save in the house 1 I don't know where to start from 1 I don't mis use the money 1 I don't misuse it 1 I don't misuse the money 1 I don't spend it anyhow 1 I don't spend money anyhow 1 I don't want hunger at home 1 I don't want to waste it 1 I don't what the reason why you the banks 1 I fear to finish 1 I feel the money I save is little that's why I save in the house 1 I feel to keep money in the house atlest it's safe there 1 I get a good profit 1 I have a budget. I don't want to spend it. 1 I have an account but don't use it much because of insufficient funds 1 I have little money 1 I keep money through my phone to avoid the temptation of over withdrawing. 1 I keep stock because I have seasonal businesses that I attend to 1 I keep this money just in case one fell sick and the other money I want to buy cement so that I build a good house 1 I make profit 1 I only do piece work and I have to save 1 I only save small amounts of money 1 I save but they don't give us the money 1 I trust my sister with my money 1 I want to buy mattress for my children 1 I want to keep it myself 1 I want to raise some money so that. I can. open a bank account 1 I was compelled when MTN were doing door to door registration 1 I won't be spending money any how 1 I wouldnt want to waste money. 1 I'm doing mobile work so wh working from I can still access it 1 Incase of an emergency I can rely and access my savings at any time 1 Income is less 1 Interest 1 It comes in a lump sum 1 It forces you to save 1 It has no quick access as compared to savings at home this avoids complacency 1 It helps her in household things and paying rent 1 It is because money is deducted directly from my salary when I get paid. 1 It is difficult for me to withdraw money at the bank, therefore once I deposit I know that I will keep the money for age 1 It is required by law. 1 It was required by law to have one in order to receive pension allowance 1 It will be able to give me back interest when I finish building. 1 It's like salary 1 It's not easy to get it anyhow 1 Its the account i use when my children send me money 1 Lack of income. 1 Money can not be used any how 1 Money for safe keeping to avoid using it for unnecessary things 1 Money is not easily accessible. 2 Money is not enough hence, keeping it in my pockets 1 Money saved is for future use 1 My father keeps my money because he is the oldest 1 No charges 1 No deductions when am keeping from home 1 No reason 1 Not enough money 1 Not knowledge about other saving options 1 Respondent doesn't have a bank account 1 Respondent joined to help finance his wedding 1 SAVING INCASE SOMETHING GOES WRONG 1 She has no better ways of savings 1 She makes little money so its not possible to always be taking to the bank 1 So that I Top up 1 So that I don't use it anyhow 1 So that I may use it later when I need it 1 So that you Can Purchase something valuable like furniture when your time to get paid approaches 1 Stop her from spending it 1 TO HAVE MONEY WHEN THINGS GO WRONG 1 The amount is too small 1 The bank is far away from our community, therefore it keeps me away from spending my money. 1 The money is not enough to save somewhere 1 The money is not enough. 1 The money that I earn is not enough to keep somewhere else 1 The money that I earn is too little I can't save it anywhere else 1 There is loss saving money in livestock 1 There is more profit 1 There long ques at the bank as FBZ is the only bank and sometimes the services are bad 1 There no charge 1 They don't go bad 1 They easily give loans if you save with them 1 They give out a lump sum 1 To avoid misusing the money. 1 To avoid spending money anyhow. 1 To avoid unnecessary expenses 1 To avoid using it for unnecessary needs 1 To finish building. 1 To have money when I harvest my crops 1 To help we need the money 1 To keep away from using it unnecessarily 1 To keep it safe from misuse 1 To prepare for the farming inputs 1 To raise business capital 1 To save money and not spend recklessly 1 To use for emergencies 1 To utilise for big investments later 1 Want to buy Furniture 1 We don't have bank documents 1 We realize little profit. Everything we get we take to household experiences 1 Will sale cattle for children's school fees 1 Will u use it in future when old 1 You are compelled by law 1 You can access your money's at a given time according to my bugdet 1 access to the money is controlled 1 afraid of wasting money.so it's better to buy stock material 1 am a farmer and I invest in farming inputs 1 am afraid of wasting hard cash 1 amount is too small 1 avoiding of misusing money 1 bank 1 bank is far from respondents resident so better there than in his wallet 1 banks are far 1 banks are very far 1 because I don't have an account. 1 because I don't have enough money to save 1 because I don't have enough money to save elsewhere 1 because I don't use the money when ever I want to it helps me save and maintain my budget 1 because I don't want to use it 1 because I get interest on my money daily as opposed to the bank 1 because I have nowhere else to save 1 because I manage to keep it there 1 because I only save small amounts 1 because I profit something when i harvest 1 because I rarely remove money from it it's intact unlike. the one on my mobile phone that I withdraw sometimes 1 because I save little money that's why I save in the house 1 because amounts are too small to take to the bank 1 because he earns little money 1 because he has too little money 1 because i can use the money 1 because i don't have enough money to save 2 because i don't have enough money to save with other groups 1 because i don't have national registration card 1 because i don't save enough money 1 because i know the people who run the group in person, and the group helps me in so many ways. 1 because it can take more time to convert it into cash 1 because it compels u to save 1 because it enables me to save small amount of money. 1 because it sorts out atleast big problems at my lower levels economically 1 because it's far and I know money is safe. 1 because it's little money 1 because its too little for me to give someone to keep for me 1 because money is not usually tempered with 1 because of the kind of business his doing 1 because that's were we get most of the food we bring at home 1 because the company said that we will be getting paid through the account but since then I have never gotten paid 1 because the government now only helps people who are in groups so we also want to be helped 1 because the money is little. 1 because the money is not enough to keep at the bank 1 because the money is to small so can't take any were else 1 because the money that I have is little 1 because there are no charges for the transactions 1 because they allow me to borrow. 1 because we were told to open an account 1 because you can not go there and withdraw anytime 1 because you can not interfere with it 1 because you can save and not use the money after you retire and don't have any job. 1 because you will use it in future and children will benefit 1 believe if someone works they should have a pension 1 better to save in a structure 1 building 1 building a is the most important thing in someones life 1 building keeps money safe 1 business 1 buy things 1 by buying farming inputs it assures respondent that money is safe and can generate interest 1 can get my money borrow at the same time anytime i want 1 can't afford formal banks 1 can't easily spend money on iron sheets 1 can't use it anyhow 1 capital to start a small business or buy something significant 1 cause i save little money 1 company requirements 1 development 1 distance 1 does not have access to the money so he knows it won't be drawn unnecessarily 1 does not have an account anywhere 1 does not have enough money 1 don't get troubled by anyone compared to chilimba were I used to be pressured to pay 1 1 don't have a lot of money to keep with the bank or silimba 1 don't have an account 1 don't have enough money 2 don't have enough money to save with other financial institutions. 1 don't have enough money to save with other institutions or groups 1 don't have enough money to save with other institutions. 2 don't have enough money to use 1 don't have. money 1 don't know how to open an account 1 don't work 1 easy to claim 1 education 1 farming 1 farming helps to feed families 1 fast and efficient 1 fear of missusing the money 1 fear of someone keeping my money 1 for buying a plot 1 for certain unexpected expenses 1 for day to day use 1 for emergence purposes 1 for emergency 3 for emergency purposes 1 for farming 1 for farming purposes 1 for future purpose 1 for future use 18 for future use when i retire 1 for gear of misusing 1 for graduate 1 for her children's education 1 for keeping safe 1 for me not to over send my money 1 for safe keeping 1 for safety 2 for school 2 for the children's school fees. 1 for the purpose of getting pension 1 for the sake of the children 1 for use when I retire 1 for use when I stop working 1 for use when needed. 1 future savings when retires 1 future use 20 future. use 2 get pension when am old and can't work. 1 get the money as a lampsom 1 got interested after they offerer me a loan 1 have assets 1 have no bank account 1 have not yet open an account 1 have to prepare for next farming season 1 he planing to build a house 1 help do what you want 1 help me in future 1 helping me with unexpected household issues 1 helps in future 1 helps me discipline my money 1 helps me not to misuse the money 1 helps me to save 1 household groceries 1 i don't have it at my disposal 1 i dont get to.misuse my money 1 i dont have a bank account 1 i feel that i might use the money if i keep it by my self 1 i have little money 1 i want to have a full package when i retire 1 if I want to misuse is they can't give me 1 if u keep money home up spend a lot then at a bank 1 if you are in need of money you can sell the shares are get cash when in need or you use them as collateral to get a loa 1 in case of any emergency 1 in case of emergence 1 in order to buy household things 1 in order to have a good harvest 1 in order to save 1 income is inadequate 1 intends to complete building project 1 interest rates are low 1 it accumulated from my former place of work 1 it enables her to keep money safe and use it when need arises 1 it forces me to save 1 it gives you cushion for the future 1 it helps her run away from spending it 1 it helps in future 2 it helps me not to use the money for other things 1 it helps me to save money for my family 1 it helps me when I am in need 1 it is given when retired. 1 it is govn't policy 1 it is helpful to those who are in need 1 it is law for government employees 1 it is not always that I keep my savings with my friend 1 it is the only available option 1 it is the only way of saving 1 it is too small 1 it safe with her 1 it stops me from misusing 2 it stops you from spending 1 it will help me in old age or help my children when I die 1 1 it's a way of preventing my from misusing money 1 1 it's cheaper 1 it's easier to buy when you save with chilimba 1 it's good to buy in advance for quick action 1 it's helps me to pay for my problem s 1 it's inconvenient 1 it's mandatory 2 it's not easy to miss use money when its in the account 1 it's not enough 2 it's profitable in future 1 it's safe and profitable 1 it's safe that side 1 it's the choice of the government 1 it's the main business to me 1 it's too little to be kept somewhere 1 it's too little to be put(saved) elsewhere 1 it's. far so u won't be forced to withdraw frequently 1 its a long term so i can get a lump sum of money when i retire 1 its an investment 1 its becomes easy to get other goods such as fertilizer 1 its easy attract business with the materials at hard 1 its more secure 1 its my choice number one 1 its my way of saving 1 just to help each others. 1 just trying to see how it goes 1 just want. 1 keeping money 1 kept safe from spending 1 know my money is safe from misusing 1 lost documents needed to open an account anywhere 1 manageable 1 money I save is too little to give someone to keep for me. I'd rather keep myself 1 money comes from pension,mandatory to have account 1 money coming in lump sum form 1 money is hard to find 1 money is little 1 money is little. 1 money is secure for future use I cannot withdraw from it 1 money isn't enough 1 money kept at home is too accessible 1 money not enough 4 money not enough to take to bank 1 money to little 1 money too little to take to the bank 1 money too little to take to the bank. 1 money too small to be saved elsewhere 1 more profit 1 most of the times I do that wen I don't 've the use for the money. 1 mostly the money I have is just for food.and because we don't have storage facilities I save and buy food one by one 1 my husband refuses me to take to the bank that we should wait until the money is a lot 1 my money is too little to take to the bank 1 need to buy food 1 no account to save from 1 no avoiding access to it 1 no bank account 2 no banks here 1 no charge for book balance 1 no expenses incurred to 'withdraw' money 1 no groups where I can put my shavings 1 no money 1 no one will get it from there 1 no other choice 1 no other good means 1 no other means of saving 1 no other places one can keep money 1 no reason 5 no reasons 1 no specific business 1 no specific reason 1 no specific reason bt help u in future 1 no where to apart from home 1 not certain whether the account is active since he has less money saved 1 not easily spend it 1 not enough money 4 not enough money to be taken to a bank 1 not enough to be taken to a bank 1 not enough to open an account 1 not to spend it on something else 1 nothing 1 nothing. 1 nowhere to keep 1 one way of keeping money 1 own safety 1 pay school fees 1 person does not put money there 1 prefers to save in chilimba 1 reduces the temptation of spending the money 1 requirement by law 1 requirement for government employees 1 rising money for school 1 safety 1 save for future use 1 save for one year 1 savings 1 savings at home is more convenient because she trust herself 1 savings for rent 1 scared to forget where she put it and safe from children's reach 1 scared to use it 1 school 1 school fees 1 security reasons 1 she does not have bank account. 1 she has no reason 1 she is able to receive lump sum 1 she just wanted to put money in the house 1 she thinks its the best 1 since I set a small amount aside I want it to increase with time 1 so I do not misuse it 1 so I have more when my turn comes 1 so that I can buy shoes, books and the latest novel 1 so that I collect more when it's my turn 1 so that I do not have ease access 1 so that I don't misuse my savings 1 so that I don't misuse the money 4 so that he makes capital to start a business 1 so that i buy a maternity dress 1 so that i save rather than keeping the money in my pocket or at home 1 so that it does not get to be used any how 1 so that money is not misused 1 so that money will increase faster 1 so that she can't touch it 1 so that they give me fertilizer when I need it 1 so that u don't chew the money 1 so that you acquire more when your turn comes 1 so that you don't use the money any how only you have an emergency 1 something for school 1 stops me from misusing 2 that is the only way i know 1 that is where I earn an income 1 that's my easy way of saving 1 that's my only way of saving 1 the agent convinced me 1 the bank account was for my late husband,I had to change it to my name when he died. But now it's difficult for me to sa 1 the bank has no limit of how much you can save. 1 the bank is too far 1 the banks are very far 1 the business I do does not allow me to go to the bank most of times 1 the company deducts 1 the company deficits from salary 1 the money I save if I 've to is not Money I can take to the bank 1 the money is Too small 1 the money is not enough to save anywhere 1 the money is not so it's better to keep it at home 1 the money is safe as I can not withdraw whenever I want to 1 the money is still little 1 the money is too small 1 the money is too small to be taken to the bank 1 the money it's too little. l can take. it's bank 1 the money that i keep is not enough for banking 1 the money was to little put in account 1 the money. I save is too little. to put in a financial. institution. like a bank so it's better. to just give it to my p 1 the wife is a key to my money 1 there are no deductions for any transaction 1 there is enough money from chilimba 1 there is no serviceb charge 1 there is no where to keep apart from home 1 they are no charges 1 they are the ones with a bank account 1 through farming you can never go wrong in future 1 to access fertilizer 1 to acquire food ration and also to meet children's education 1 to allow members to have money in form of lump sum 1 to avoid misuse of money 1 to avoid using it for something else 1 to avoid using the money 1 to be comfortable that I have the inputs in advance 1 to be independent. 1 to build a house 1 to buy farming inputs 1 to buy food 1 to buy seeds 1 to buy some shoes 1 to buy something when I want it 1 to complete the rental apartments 1 to earn good interest 1 to enable me to buy farming input without difficulties 1 to ensure you have money for when things go wrong 1 to have a good harvest 1 to have better shelter 1 to have enough food 1 to have money for my farming business (capital) 1 to have personal property 1 to help me buy kitchen utensils 1 to help me in emergencies like helping my mother when she needs help 1 to help me in future 1 to help me sort out certain issues when need arises 1 to help others 1 to help. me get what I want or when there is an emergency. I would use that money 1 to keep for emergencies 1 to keep it away from being abused 1 to keep money safe and invest in farming to harvest in order to earn a profit 1 to overcome unforseen circumstances 1 to pay for school tuitions 1 to pay school fees 1 to safe money 1 to save money 1 to secure for future usage 1 to secure my future 1 to solve the problem at hand 1 to stop from using it carelessly 2 to stop her from using it 1 to stop him from spending it 1 to stop me from misusing 6 to stop me from misusing it 2 to stop respondent from using it 1 to stop them from spending it unnecessarily 1 to use for household things 1 to use for school exepenses 1 to use in futere 1 to use it for emergency 1 to use it for school daily expenses 1 to use when problems arise 1 tries to avoid spending the money and ensure food security when family is in need 1 used to keeping money in the house 1 want to be different from my parents 1 want to invest in a business 1 way of saving 1 way of saving money 1 we don't have a lot of money 1 we don't have banks here so the money we have we put in businesses 1 we want to build a house 1 when am dead my son will use it. 1 worked for it 1 yet to open a bank account 1 you can claim your money at the end 1 you can withdraw your money anytime 1 4.5. What do you mostly put money away for? 5419 3152 1 Medical expenses either planned or emergency 261 2 An emergency other than medical 1084 3 Living expenses for when you do not have money 1894 4 Funeral expenses when needed 32 5 Education or school fees 827 6 A wedding or lobola 8 7 Farming expenses such as seeds or fertiliser 214 8 Business expenses such as additional stock 136 9 Security or cash collateral so that I can borrow money 6 10 Providing something for my family after I die 23 11 Retirement or old age 31 12 Buying land 64 13 Buying or building a house to live in 160 14 Buying a house or land to rent out 26 15 Buying household appliances, goods or furniture 78 16 Buying business equipment 47 17 Buying livestock 19 18 Buying farming equipment or implements/fishing equipment suc 8 19 Buying a bicycle, motorcycle, car, truck or other transport 9 20 Starting or expanding my business 96 21 Putting money or goods into someone else's business 4 22 Other specify 392 Sysmiss 3152 4.5. What do you mostly put money away for? [Other (specify)] 392 999 1 A lot of different use 1 All kinds of emergencies 1 Any emergencies in future be it medical, daily home consumption.... 1 Any future developments 1 Any future need 1 Both household groceries and Child education fee 1 Buying Clothes 1 Buying personal things like clothes... 1 Doing my hair 1 Emergencies that come in the future 1 Food 1 For Safety 1 For buying groceries 1 For expenditure 1 For future purposes 1 For future savings 1 For future use 3 For future use . 1 For future use. 3 For home expenses 1 For project investment 1 For remarriage 1 For solving problems at home. 1 For solving problems. 2 For something I may need in future 1 For the things he will need in future 1 For what will come in future 1 For. paying rent 1 Future emergencies 2 Future emergencies regardless of the nature 1 Future occurences 1 Future use 3 Future use on anything that may arise 1 Future use to avoid misusing 1 General future use 1 General purposes 1 Groceries for the house 1 Helping each other in the group 1 Household expenses 1 Household expenses and emergency 1 Household use 1 I don't 've savings in their 1 I have future plans for the money 1 I keep money in the bank for safety 1 I put money for school purposes 1 I save money so that I can help my parents. 1 I save that I can start a business of my own 1 I want to build a house 1 I want to buy a plot 1 I want to buy mattress for my children 1 I want to buy pots 1 I want to buy some pots 1 I want to start business. 1 I wanted to buy Iron sheets 1 I'm saving for future plans 1 If you need to buy something or something happens you can easily use the money 1 Just for safe keeping 1 Just for the sake of saving, no plans with this money which I do save. 1 Keeping for future occurrences 1 Luxury and finer things in life. Vacations 1 Planning to go back to school. 1 Refused to disclose 1 Saving money for future use whatever situation. that may come 1 School expenses for children 1 Share part after a year 1 She refused to answer 1 She wants to start a business. 1 To buy books to use at school 1 To buy clothes 1 To grow my business 1 To help me have a capital aside when I make a loss on my business 1 To secure my future 1 To solve some problems. 1 To use it for transport when going to Kitwe 1 Use it later in future when need arises 1 Use the money when he really needs it 1 Want to buy a laptop 1 Whatever emergencies or need for the future 1 Whatever problems you face you can use the money 1 When I want something and the money is not enough 1 When she needs to do or buy something she really needs 1 Will are people in the community, weddings, kitchen party 1 You never know when trouble comes so you better off saving 1 a lot of things 1 achieved all expenses need to save something 1 anything I want to buy 1 anything that comes my way 1 anything that may come up 1 asset acquisition 1 because I want to open an account 1 because i have a child sometimes i save for school 1 big projects 1 building a house 2 building a mansion 1 building the house 1 business 2 buy a car 1 buy a maternity dress 1 buy a television 1 buy a touch screen phone 1 buy cement 1 buy plasma tv 1 buy whatever she wants 1 buying building materials 3 buying clothes 1 buying cow 1 buying farm 1 buying food 1 buying goods 1 buying goods for a friend in exchange 1 buying groceries 1 buying iron sheets for the house 1 buying my own clothes 1 buying other things I may need st that time like a memory card or phones 1 buying own needs 1 buying personal things 1 buying property 1 buying property like fridge 1 buying shoes 1 buying things for school 1 buying washing soap 1 child's fees 1 clothes 1 clothes and devices 1 cosmetic 1 course it's safe than home 1 depends on situation respondent is in 1 different items phones, clothes, trip to somewhere and laptop 1 do not put any money aside I just use account to get salary 1 doesn't puts money therw 1 don't have enough 1 don't have enough to make savings 1 don't keep any money in the house 1 dose not put money away 1 expansion of business 1 extend the house 1 farm management 1 farming inputs 1 fear of using unnecessarily 1 fertilizer 1 food 3 food and clothes 1 food purposes 1 food security 1 for December holiday family always travel 1 for a lot of reasons most especially the money is for my children going to school 1 for any emergency 1 for better spending 1 for building 1 for building. 1 for business 1 for business in the future 1 for buying building supplies 1 for buying clothes 1 for buying goods 1 for buying talk time 1 for children's 1 for college 1 for consumption. 1 for family 1 for farming 1 for farming and buy cows for sell 1 for financial help when it is needed 1 for food 1 for furture use or for seeing events 1 for future events 1 for future expenditure 1 for future purpose 1 for future purposes 1 for future use 30 for future use. 1 for graduate 1 for household use 1 for investment 1 for music 1 for my mother 1 for my own expenses 1 for own personal use in case of emergency 1 for personal things 1 for personal use like buying things needed by ladies 1 for rentals and education for his relatives 1 for safety 1 for savings 1 for school 2 for school daily expenses 1 for security purposes 1 for security reasons 1 for something I want to buy 1 for the future 1 for the money to be safe 1 for the things I would want to buy 1 for unexpected costs and for future use 1 for unexpected things 1 for unforeseen events 1 for use when I stop working 1 friends bath days 1 fulture 1 future emergencies 1 future expenses at school 1 future investments 1 future plans 1 future use 9 future use. 1 groceries and bills 1 had to open account to receive salary 1 he wants to build a house 2 he's putting money aside in order to buy roof 1 home use 1 household goods 1 household groceries 1 household usage 1 household use 3 improve my business 1 in case I have problems in my marriage I can fall back on it 1 in case iam not paid on time I can use my savings 1 in case of emergency 1 it is safer than at home 1 it's pension money respondent is not putting this money he gets its instead 1 just for saving 1 just for storage of money 1 just for the things I want 1 just saving 1 just saving it 1 just to save 1 keeping for an emergency 1 keeping money for food 1 keeping money for the future 1 keeping money safe 1 l was using it from receiving money from am. husband 1 medical expenses and other emergency 1 mostly for food 1 not yet started saving 1 only for chilimba 1 only receive through the bank 1 opened the account but never used it 1 pay school fees in the future 1 pension 1 personal needs 1 personal use 1 planning for the future 1 planning to get married 1 provide fo my family 1 providing for family 1 putting money for something you want to buy in future 1 putting money to buy clothes 1 receiving 1 refused to give the reason 1 renovating a house 1 rent payment 1 rental 1 rentals 1 respondent doesn't save money 1 safe keeping 1 safty 1 save money for children 1 saving 1 saving for future use 1 saving for her children. 1 saving to buy a car 1 saving to buy fertilizer for next farming season 1 saving. it for something. I want to buy 1 school stationery 1 securing children's future 1 she doesn't want to spend it carelessly 1 she wants to buy a matress and blanckets 1 she wants to buy a plot 1 she wants to start business 1 so I can buy something I really want in my life. 1 so that I can buy clothes 1 so that I can not use it carelessly 1 so that I can't use that money 1 so that i buy a plot 1 so that i can boost my business when i top up from the chillimba savings 1 so that i may not use it anyhow 1 social events 1 sometimes it's for my contraction and sometimes to make sure you have money for things when they go wrong 1 specific purpose 1 stability in financial 1 talk time 1 talk time and shopping 1 the is no money 1 there is something I want to buy 1 tith,church tith 1 1 to accumulate money to invest in farming in future 1 to avoid mismanagement of money 1 to avoid spending to much 1 to be safe 1 to build a house 1 to buy clothes 1 to buy cows 1 to buy education materials 1 to buy kitchen utensils 1 to buy some shoes 1 to buy something like farm inputs 1 to buy things that i want 1 to earn good interest 1 to earn interest 1 to ensure that there is money ready to spend when needs arise 1 to ensure you have money for when things go wrong 1 to ensure you have money when things go wrong 1 to help in paying for rent and also to pay for school fees 1 to help me finish building my house 1 to help me in future 2 to help when there is a problem 1 to keep the safe 1 to make sure I have something for when things go wrong 1 to not use it now 1 to open a bank account 1 to purchase household requirements 1 to raise money for bussiness 1 to sought out problems. that May arise 1 to start a business 1 to use it he wants. to buy house. goods 1 to use it when I am off job since am a temporary worker 1 unexpected things like school and medication 1 use it to buy food and groceries 1 use it when any need arises 1 want to be disciplined on how to put money away 1 want to build 2 want to build a house 1 want to buy a plot 2 want to buy cattle 1 wants to buy a farm 1 wants to buy beddings 1 wants to get a plot 1 wants. to go back to school 1 whatever she wishes to buy at that time 1 when I want to buy what I want to buy 1 when she needs it 1 when you are feeling excited you buy bread and sugar you have some tea 1 you can get you retire 1 you don't put you get 1 4.6. Approximately how much money do you currently have saved or put away? 5419 3152 1 Click here to enter the ammount in ZMW 4038 2 Refused 518 3 Don't know 863 Sysmiss 3152 4.6. Approximately how much money do you currently have saved or put away? [Othe 4038 4533 0 10032000 4.6. Approximately how much money do you currently have saved or put away? [Other (specify)] 4.7.1. In the past 12 months, have you bought/built/started anything with the in 8479 92 1 Yes 1580 2 No 6899 Sysmiss 92 4.7.1. In the past 12 months, have you bought/built/started anything with the intention to sell in the future for a profit? 4.7.2. What was the last thing you bought/built/started for this purpose? 1580 6991 1 Bought land/farm/property 139 2 Bought/built house 134 3 Bought household appliance such as a fridge/TV/stove 135 4 Bought/started a business 440 5 Bought livestock 293 6 Bougt jewellery/coins 6 7 Other, specify 433 Sysmiss 6991 4.7.2. What was the last thing you bought/built/started for this purpose? [Other 433 0 A Laptop 1 Agriculture. Planting Potatoes 1 BOUGHT SHOES 1 Bags of rice 1 Bicycle 2 Bought Charcoal for Sale 1 Bought Chickens 1 Bought Curtins 1 Bought Hair dryers 1 Bought a Bicycle 1 Bought a TV 1 Bought a bag salt 1 Bought a bicycle 4 Bought a book 1 Bought a car 2 Bought a car battery 1 Bought a car. 2 Bought a computer 1 Bought a desktop, laptop, and phones 1 Bought a grinding Meal 1 Bought chickens 1 Bought farm inputs 1 Bought farming inputs. 4 Bought fertilizer 1 Bought fertilizer. 1 Bought fish and sold it all at once for profit 1 Bought maize 3 Bought maize to resell 1 Bought maize. 2 Bought seed to sell 1 Bought shoes 1 Bought speakers 1 Brick Making 1 CROPS (maize) 1 Car 1 Charcoal 1 Chitenge 1 Chitenge Materials 1 Clothes 1 Crop farming 1 Farming 8 Farming inputs. 2 Farming, 1 Fertilizer 1 Fridge 1 He has cultivated two Limas of maize 1 Honda 1 I bought a bicycle 3 I bought a bicycle that I sold 1 I bought a motor vehicle 1 I bought a phone and the time I will need money I will sell it 1 I bought a plot 1 I bought a plot to build a house 1 I bought brakables such as glass plays and cups 1 I bought livestock 1 I bought maize. 1 I bought millet 1 I bought seeds 1 I burned charcoal 1 I have bought a cow 1 I have grown soyabean 1 I planted maize. 1 1 I sale kapenta 1 I sell vegetables and keep chicken 1 I was selling charcoal 1 Land 1 Laptop 1 Lending money kaloba 1 Maize and sugar cane 1 Mattress 1 Motor vehicle 1 Naught flour for resale 1 Online purchase or phones and clothes 1 Pool table 1 Salt. Lotion etc 1 She has cultivated two hectares of maize 1 Shoes 1 Shop 1 Solar panel 2 Started a business 1 Started a business of selling food and other groceries 1 Started farming 1 Started how to make hand bags 1 TV Stand 1 Tried to buy rice to sell but business didn't go anywhere 1 Vehicle 1 Was selling curtens 1 a car 1 a machine to use for my business 1 a maize shelling machine 1 a phone 2 a plot 1 a vehicle 1 am selling at the market 1 beans business 1 beens and maize 1 bicycle 5 bicycles 3 books 1 bought a bicycle 8 bought a bike 1 bought a bus 1 bought a car 10 bought a car and sold it 1 bought a car for sale 1 bought a compunter 1 bought a container of cooking oil and a bag of flour. 1 bought a cow 1 bought a fridge 2 bought a laptop 1 bought a light truck 1 bought a mobile phone 1 bought a motor vehicle 1 bought a motor vehicle to sell 1 bought a phone 3 bought a plot land 1 bought a radio 2 bought a truck battery to resell 1 bought a tv to re-sell 1 bought a vehicle 2 bought and assembled an electric wheel chair 1 bought backets 1 bought beans 1 bought beans, millet to be sold 1 bought cassava 1 bought caterpillars 1 bought chairs 1 bought chicken 1 bought chickens 2 bought chickens and ducks 1 bought clothes 1 bought clothes and polish 1 bought clothes for sale 1 bought clothing materials 1 bought cows 1 bought dish washes 1 bought ducks to raise for future sell 1 bought farming equipment 1 bought farming inputs for December farming season 1 bought fertiliser 1 bought fertilizer 1 bought fertilizer for resale 1 bought fish 1 bought fringes for resale 1 bought goats 1 bought groceries 1 bought iron sheets 2 bought jeans for sale 1 bought kitchen utensils 1 bought maize 3 bought maize for selling 1 bought millet 1 bought pots and other things. 1 bought poultry 1 bought rice 3 bought second hand clothing salaula 1 bought shears with airtel 1 bought shoes and clothing 1 bought some laptops 1 bought some trousers for resale 1 bought sum crops to sell 1 bought tomato 1 bought two car batteries for resell 1 bought wrappers chitenge 1 brick making 2 bricks moulding 1 brought car 1 brought maize 1 build houses 1 building a shop 1 building materials 1 built a canoe for sale 1 built a shop 1 built a shop for business purposes 1 built a shop to rent out 1 built a shop were i sale groceries 1 built wall fence 1 burned some charcoal 1 burning charcoal 1 burnt bricks 1 burnt bricks for sale 1 business 5 business and we sell a number of things such as chacoal 1 buy nets for fishing 1 buying farming inputs 1 camera 1 car 8 cell phone 1 cement 1 cement and bricks. 1 chairs 1 chicken 2 chicken. 1 chilimba 1 clothes 4 clothes and groceries 1 clothes and shoes for selling 1 clothing material 1 computer 1 cooking pots. 1 cosmetic's 1 crop farming 1 cultivate and growing maize for sale 1 cultivated maize to sell 1 curtains 1 domestic animals 1 door 1 farm produce 1 farm products 1 farming 20 farming activities 1 farming cassava 1 farming inputs 1 farming maize 1 farming products 1 farming. 1 fertilizer 2 fertilizer for resale 1 fertilizer for the farm i rent. 1 fertliser 1 fish 2 fish business 1 furniture 1 gardening 1 goats 1 got goods to sell 1 grew maize and sold it 1 growing cabbage for sale 1 growing rice 1 growing vegetables 1 harvested in maize 1 he has cultivated cassava. 1 household goods 1 i bought a big battery. 1 i bought groceries 1 i built a small house and my busness gives me little profit 1 i buy and resale the goods 1 increase in farming inputs 1 inputs 1 invested money in my personal business kantemba.. 1 iron sheets 1 just piece works 1 kaloba I give money to people 1 kichen unit 1 knitting various garments 1 laptop 2 laptops 1 last weeky 1 made blocks 1 made blocks. 1 magenta business 1 maize 5 maize seed 1 maize which I was buying per kg and sold to kazenene 1 make an oxcut and I exchange for cattle 1 make building blocks 1 making bricks 1 materials for making garments 1 matresss 1 mattress 2 milisi 1 millet 1 moded bricks for sale 1 motor vehicle 1 motor vehicles 1 music materials for the business 1 my husband got a loan. 1 no 1 none 2 nothing 1 our business is seasonal and we make a profit when we start selling sugar cane 1 paraffin 1 phone 5 phones and clothes 1 photocopier 1 planted maize 1 planted maize for resell 1 planted soya beans 1 plates 1 playstation 1 pots 1 poultry business 1 radio 1 radio and battery 1 recorded some songs 1 rice 2 rice and Millet 1 sausages for sale 1 saved money 1 sawing machine 1 school 1 seeds 1 sell cassava 1 sell of brooms 1 selling Food 1 selling curtains and clothings 1 sewingmachine 1 shoes and clothes 1 shop stock 1 soccer boots 1 sofa 1 solar panel 1 sold my maize to food Reserve Agency 1 started a poultry bussinesd 1 started a shop business 1 started buying cement for building 1 started farming 3 started selling fish 1 started the successful group for women 1 stock 1 t.v. 1 tailoring machine 1 upgrading my education 1 utencils 1 vegetable 1 vegetable farming 1 vegetable garden 1 vegetable seed 1 vehicle 2 water pump 1 we bought some goats 1 we bought things we will be using for our saloon although it is not yet in operation 1 went to order boxes of cigarettes and airtime for selling 1 4.7.2. What was the last thing you bought/built/started for this purpose? [Other (specify)] 4.8.1. In the past 12 months, have you bought/built/started anything with the in 8479 92 1 Yes 1573 2 No 6906 Sysmiss 92 4.8.1. In the past 12 months, have you bought/built/started anything with the intention of using it to earn an income? 4.8.2. What was the last thing you bought/built/started for this purpose? 1573 6998 1 Bought a car/vehicle 47 2 Bought/built ouse/flat/apartment to rent out 177 3 Bought land/farm to rent out 102 4 Bought/started a business 645 5 Bought equipment/machinery/tools such as sewing machine, sto 80 6 Bought livestock 150 7 Other, specify 372 Sysmiss 6998 4.8.2. What was the last thing you bought/built/started for this purpose? [Other 372 0 A cow 1 Agricultural business 1 Appliances 1 Bags for resell 1 Bee keeping for honey 1 Bicycle 1 Block Moulder 1 Bought Farming inputs 1 Bought Maize 1 Bought a TV to use it for business 1 Bought a bicycle to rent out 1 Bought a car and use it as a taxi 1 Bought a genset and a radio 1 Bought a plough to use with my live stock 1 Bought a radio 1 Bought a radio. 1 Bought a shaving machine 1 Bought bicycle 1 Bought building material 1 Bought farming inputs. 1 Bought fertilizer 1 Bought maize 1 Bought maize. 1 Bought poultry 1 Bought shaving machine 1 Bought studio equipment 1 Bought timber for my business 1 Bought vegetable seeds in advance. 1 Building Materials 1 Building a depot 1 Bus 1 Chitenge Business 1 Clothes 1 Did up a restaurant in Sikongo but closed it due to lack of business 1 Does piece work 1 Farming 4 Farming vegetables 1 Fertilizer 1 Fridge 2 Fridge for rent 1 Goods 1 Had started a business last year but didn't go further 1 Hammer mill 1 He has a farm to be using 1 I bought a TV 1 I bought a bicycle 2 I bought a farm in Mukushi 1 I bought a fridge for my bar 1 I bought a motorcycle 1 I bought agriculture produce 1 I bought some goats 1 I bought. a welding. machine 1 I built a make shift shop (Kantemba). 1 I built a shop 1 I buy shoes then sell them 1 I give out kaloba 1 I have a garden. 1 I have bought a small place to build a house 1 I make fritters. 1 I started a garden. 1 I started blowing peoples hair. 1 1 I started selling popcorns 1 I was selling small fish(kapenta) 1 I'm building a house 1 Maize 1 Maize to resell 1 Making Fritters 1 Millet 1 Music Album 1 Naught plot not on rent 1 Radio 1 Refrigerator 1 Respondent is building a hardware shop 1 Selling Alcohol 1 Selling Fish 1 Selling fish 1 Selling traditional brew 1 Selling various vegetables 1 Selling women clothes (chitenge ) 1 Started Farming 1 Started a Kankole ntemba but it didn't go anywhere 1 Started a small garden of maize last year december 1 Started farming 1 Started own business 1 Started playing soccer 1 Started selling fish but stopped due to illness and other problems 1 Stove,radio etc 1 Studio Equipment 1 Television 1 Was doing bricklaying last year till he became a taxi driver and stopped 1 We buy maize and resale. 1 Working 1 a biyscle for booking 1 a chicken 1 agricultural inputs 1 am a money lender 1 am building 1 bakes fritters and sells 1 baking scones to sell 1 bicycle 5 bicycles 1 block making 1 boats 1 bought a SIM card 1 bought a bicycle 4 bought a bicycle for transportation business 1 bought a boat 2 bought a boat for hiring 1 bought a canoe 1 bought a car 1 bought a fridge 1 bought a house 1 bought a house only 1 bought a phone 1 bought a plot 2 bought a popcorn machine 1 bought a shop 1 bought a solar panel 1 bought bicycle 1 bought biscle 1 bought blankets for sell 1 bought blocks and cement 1 bought breeks. 1 bought chairs 1 bought chitenge materials for business purpose 1 bought clothes 1 bought computers 1 bought cooking oil making machine 1 bought cows 1 bought dish washes 1 bought electrical tools 1 bought electronics and cement to build housing units 1 bought fertilizer 1 bought fishing nets 1 bought freezer to store food stuffs for sale 1 bought land 1 bought land to rent out 1 bought maize 1 bought millet that will be sold 1 bought motor gor his boat yo ease fishing 1 bought popcorn machine with a view to generate an income 1 bought rice 1 bought roofing material to build a house to rent out when finished 1 bought roofing sheets 1 bought sewing machine 1 bought shop appliances like fridges etc to help in the business 1 bought some crops to sell 1 bought some machines 1 bought till lamp 1 bought. a Miller 1 bought. jewelry and cosmetics for selling 1 bought. sausages and started selling. them 1 brick making 1 brick making business 1 build a poultry 1 building 2 building a house 2 building a house which will rent out upon completion 1 building a house. 1 building material 1 building shop with intention to give monthly income 1 built a canoe for sale 1 built a house 3 built a house for poultry which I intend to start as a business 1 built a shop 2 built shop for business purposes 1 built wall fence 1 business 4 business baking 1 buying and selling millet 1 buying building materials 1 buying different fruits and resell 1 car 3 cement 2 charcoal burning 1 chicken 1 chicken to keep. 1 chicken. 1 chilimba 1 cloth 1 clothes 1 clothes and groceries 1 clothes. to sell 1 coaching footballers 1 computer 2 construction works 1 cosmetics 1 cows 1 crop farming 1 door Mart knitting 1 dvd 1 expanded in farming 1 farm inputs 1 farming 26 farming crop 1 farming inputs 1 farming rice and maize 2 fertiliser 1 fertilizer 1 fish 1 fish and orther farm produce 1 fishing 1 fishing nets. 1 football boot 1 fridge and land 1 fritas 1 ginie pigs 1 given a land for farming 1 got a driver's license with prospects of getting a job 1 grew maize for reselling 1 grinding meal and bicycle 1 groceries 1 groceries for bussiness 1 hammer mill 1 hand sewing babies clothes 1 have started building the house 1 house 1 house for rent 1 invested in farming 1 invested in farming inputs but due to bad rainfall investment had been wasted 1 invested in fishing nets 1 iron for making pot 1 just farming 1 just invested in farming 1 kapenta business 1 knitting food covers 1 land 1 laptops 1 lending out money 1 machine for the car.wash 1 made blocks. 1 magrim rims(car spares) 1 maize 2 maize,millet and groundnuts 1 makin kachasu beer 1 making bricks 1 making building blocks 1 marriage counseling 1 motorcycle 1 my job 1 only had to grow maize 1 opened a grocery shop 2 opened a shop 1 pan bricks 1 phone 1 phone's and clothes 1 piece work 2 piece works 2 planing on renting out my shop 1 planted cassava 1 plants hair 1 poultry 3 project 1 rape farming 1 recorded some songs 1 refused 1 run a tackle shop 1 running and renting a small shop 1 sales vegetables 2 school 1 sell cassava 1 sell maize 1 selling carpenter and fish 1 selling charcoal / salaula(second hand clothes) 1 selling chlothing 1 selling cooking oil 1 selling fired wood 1 selling fish and groceries 1 selling fritas 1 selling iceblocks 1 selling samoosas 1 selling snacks 1 selling text books for reading 1 selling. of brooms 1 she bought shoes for resale 1 she has started farming as to sell farm product's 1 shoes 1 shop 2 shop for rent out 1 sold my maize so that the difference could used for such 1 sold only our maize crop 1 started a corner shop(katemba) 1 started a garden 2 started a saloon 1 started business 2 started business of sell electricity 1 started doing charcoal but there was no business so she stopped 1 started farming 3 started selling bricks 1 started selling cassava but the business fell apart 1 started selling traditional drink 1 started work 1 started working again 1 started. Kaloba 1 stock 1 stove 1 tailoring machine 1 taking my children to school 1 talk time 1 tv 1 tv stand 1 used it to buy some 1 vegetable farming 2 walldrop 1 was saving for when things go wrong 1 working in the farms 1 4.8.2. What was the last thing you bought/built/started for this purpose? [Other (specify)] 5.1 You avoid borrowing money if you can) 8479 92 1 Yes 6454 2 No 1766 3 Don't know 43 4 Not applicable 216 Sysmiss 92 5.1 You prefer to save money for something rather than borrow to pay for it 8479 92 1 Yes 7161 2 No 1000 3 Don't know 111 4 Not applicable 207 Sysmiss 92 5.1 If you borrow money it is okay to pay it a bit later than agreed 8479 92 1 Yes 1415 2 No 6683 3 Don't know 98 4 Not applicable 283 Sysmiss 92 5.1 It is okay to borrow money to pay back outstanding debt 8479 92 1 Yes 1452 2 No 6651 3 Don't know 111 4 Not applicable 265 Sysmiss 92 5.1 It is better to remain with debt than to sell something to pay it 8479 92 1 Yes 2492 2 No 5532 3 Don't know 154 4 Not applicable 301 Sysmiss 92 5.1 It is better to keep savings than to use it to pay off debt 8479 92 1 Yes 2147 2 No 5847 3 Don't know 183 4 Not applicable 302 Sysmiss 92 5.1 Without borrowing you would not be able to feed your family 8479 92 1 Yes 1003 2 No 6809 3 Don't know 132 4 Not applicable 535 Sysmiss 92 5.1 You don't mind borrowing money to get something you really need 8479 92 1 Yes 3111 2 No 4809 3 Don't know 171 4 Not applicable 388 Sysmiss 92 5.1 Being able to borrow money when you need it is more important than the amoun 8479 92 1 Yes 1666 2 No 5932 3 Don't know 371 4 Not applicable 510 Sysmiss 92 5.1 Being able to borrow money when you need it is more important than the amount you have to pay back when interest is charged 5.2.1a. Did you borrow money from anybody or any institution during the past 12 8479 92 1 Yes 2486 2 No 5993 Sysmiss 92 5.2.1a. Did you borrow money from anybody or any institution during the past 12 months? 5.2.1b. How much money did you borrow the last time you borrowed? 2486 6085 1 Click here to enter the ammount in ZMW 2407 2 Refused 30 3 Don't know 49 Sysmiss 6085 5.2.1b. How much money did you borrow the last time you borrowed? [Other (specif 2407 6164 0 200000 5.2.1b. How much money did you borrow the last time you borrowed? [Other (specify)] 5.2.2. Have you, in the past 12 months, been paying back money that you borrowed 8479 92 1 Yes 2039 2 No 6440 Sysmiss 92 5.2.2. Have you, in the past 12 months, been paying back money that you borrowed from anybody or any institution before the past 12 months? 5.2.3. During the past 12 months, did you get any goods/services in advance and 8479 92 1 Yes 1452 2 No 7027 Sysmiss 92 5.2.3. During the past 12 months, did you get any goods/services in advance and had to pay for them later? 5.2.4a. Do yo currently owe any money? 3657 4914 1 Yes 1649 2 No 2001 3 Refused 7 Sysmiss 4914 5.2.4b. Approximately how much money do you currently owe? 1660 6911 1 Click here to enter the ammount in ZMW 1582 2 Refused 31 3 Don't know 47 Sysmiss 6911 5.2.4b. Approximately how much money do you currently owe? [Other (specify)] 1582 6989 0 800000 5.2.5a. Do you use money that you get from farming activities to pay back the mo 781 7790 1 Yes 603 2 No 178 Sysmiss 7790 5.2.5a. Do you use money that you get from farming activities to pay back the money you owe? 5.2.5b. Do you use money that you get from your business to pay back the money y 657 7914 1 Yes 513 2 No 144 Sysmiss 7914 5.2.5b. Do you use money that you get from your business to pay back the money you owe? 5.3. What is the main reason why you have not borrowed money? 5993 2578 1 Didn't need to borrow money, my income is enough to cover al 1099 2 Don't want to borrow money/don't believe in borrowing money 809 3 Worried would not be able to pay back the money 2923 4 Interest charged on borrowed money is too high 117 5 Do not know where to borrow money from 163 6 Do not know how to apply for a loan 16 7 Do not have security or collateral 28 8 Cannot get a loan because of my credit history 3 9 Do not have the right documentation 15 10 Not allowed to borrow money by spouse, by family or other 74 11 Tried to borrow, but have been refused 27 12 Other, specify 719 Sysmiss 2578 5.3. What is the main reason why you have not borrowed money? [Other (specify)] 719 A Christian is not suppose to follo 1 Afraid of borrowing money 1 All the expenses are paid my. mum 1 Am afraid of borrowing 2 Am afraid of debts 1 Am sacred. of being taken to the police 1 Am scared of being embarrassed and going to the police 1 Am scared of being pressure 1 Am scared of being put in prison 1 Am scared of borrowing money 1 Am still a school boy so no need for me 1 Am still owing 1 Am. a pupil don't earn an income 1 Avoiding credits. 1 Banks don't give out loans 1 Because I don't work to pay back the debt 1 Because I have my own source of getting my own fund 1 Borrowing can draw you back 1 Borrowing is not good so I would rather not borrow money 1 Debts are so inconveniencing 1 Did not want to borrow 1 Didn't have to borrow money as his just been kept by the parents 1 Didn't need to borrow money 1 Didn't see any reason to 1 Do not have income 1 Do not have stable income 1 Doesn't believe in borrowing, she's scared of borrowing 1 Doesn't want to be put in pressure in case he fails to pay the money 1 Don't have expenses 1 Don't have money to pay back 2 Don't have money to pay back. 1 Don't have where to borrow from 1 Don't like borrowing 1 Don't want 1 Don't want problems with people 1 Don't want to be trobled 1 Fear of where to get the money to pay back 1 God provides for my needs 1 Had a debt that they were still paying back 1 Have nowhere to get the money to pay back. 1 He didn't any any institution to borrow money from 1 He doesn't have money to pay back! 1 I Dont think its good to borrowing money 1 I am afraid of debts 1 I am just kept by my parents so they provide all my needs 1 I am not used to borrowing money. 1 I am scared of being jailed 1 I am scared of borrowing 1 I am scared of borrowing because I would not be able to pay back because I don't work 1 I am scared of talking to people 1 I am still paying back the other loan 1 I avoid quarrels with the owner of the money 1 I can end up in jail 1 I can only borrow when I am facing a problem 1 I can't borrow. I dnt know how to pay it back 1 I can't manage to pay back my debt if I borrowed 1 I cant 1 I did borrow money 1 I did not just want to borrow money. 1 I did not want to borrow money 1 I didn't have money 1 I didn't have problems and no where to borrow money 1 I didn't need any money for me to borrow 1 I didn't want to borrow 1 I didn't want to borrow money 1 I didn't want to credit 1 1 I difficulty to pay back borrowed money 1 I dnt like borrowing 1 I dnt work 1 I do borrow when I have a challenge 1 I do not feel good to borrow money 1 I do not work so I can't 1 I do piece works 1 I don't Like Borrowing money 1 I don't believe in borrowing 1 I don't believe much in borowing 1 I don't borrow money when I'm able go buy cash 1 I don't have a reason 1 I don't have a reason. 1 I don't have a source for me to pay back credit so I would rather not borrow 1 I don't have a source of income 1 I don't have a source of income that would help me pay back 1 I don't have a source of income which can assist pay back 1 I don't have a source to help me pay back 1 I don't have a stable job 1 I don't have a strong business for me to pay debts if I was to borrow money 1 I don't have an income am just a dependant 1 I don't have an income to pay back if I borrow money 1 I don't have any problems that can cause me to borrow 1 I don't have anyone to borrow from and if my sister doesn't give me money on time I would fail to pay it back if I borro 1 I don't have emergencies to take of 1 I don't have enough money 1 I don't have interest to borrow 1 I don't have money 1 I don't have money to pay back 1 I don't have money to pay back because I don't work 1 I don't have money to pay back debt 1 I don't have much use of the money I can borrow 1 I don't have plans to use that borrowed money 1 I don't have use of money that I would get on credit 1 I don't have were to get the money to pay back 1 I don't have where to borrow 2 I don't have where to borrow from 1 I don't have where to borrow money 1 I don't have where to get money when I borrow to pay back 1 I don't have. a job so I can't borrow money 1 I don't have. income 1 I don't know 1 I don't know where I can borrow from 1 I don't like borrowing 2 I don't like borrowing and no one to lend me money here 1 I don't like borrowing and people don't lend money here 1 I don't like borrowing and use se the money i have 1 I don't like borrowing because I was not brought up like that 1 I don't like borrowing i have no means to pay back the money 1 I don't like borrowing it disturbs my plan 1 I don't like borrowing when i can buy cash 1 I don't like credit 1 I don't like debts 1 I don't like having debt 1 I don't like it 1 I don't like that habit 1 I don't like to borrow. 1 I don't make enough money 1 I don't manage to pay on time due to lack of money when tje payment period is due 1 I don't need to unless I want to invest the money 1 I don't need to, I get money from my aunt 1 I don't trust or believe in getting money on credit 1 I don't want problems 1 I don't want to argue with the owner of the money 1 I don't want to be arrested by the owner of the money if I fail to pay 1 I don't want to be arrested for failure of payments 1 I don't want to be embarrassed by the owner of the money 1 I don't want to be embraced when it's due and I don't money to pay 1 I don't want to be in problems 1 I don't want to be jailed 2 I don't want to be troubling people 1 I don't want to borrow 1 I don't want to burden myself with debts 1 I don't want to have unfulfilled debts 1 I don't want to put my self in problems 1 I don't want to put pressure on myself because I can't manage to pay back debts 1 I don't want to start quarrel with the owner of the money incase I fail to pay 1 I don't work 4 I dont want to be in problems. 1 I dont work 1 I engage myself in diverse farming activities so i rarely fall short to the extent of borrowing 1 I fear getting arrested incase I don't manage to pay back in time 1 I fear to be taken to courts because of debts 1 I fear to borrow money 1 I get enough money from my business 1 I had already had outstanding debt the previous year after last year and I had enough money to sustain me so I opted not 1 I had enough money to buy whatever I wanted 1 I had money there was no need of dorrowing 1 I had no expenses in the past 12 months 1 I had nothing in need to borrow money for 1 I had nowhere to go. 1 I hate borrowing because I'm forgetful 1 I hate to be bothered 1 I have a business which sustains my needs 1 I have a loan running 1 I have been controlling my needs 1 I have been using the money that I had 1 I have enough for my exspense 1 I have enough money for my own 1 I have money 2 I have money to pay back 1 I have never borrowed 1 I have never. experienced such financial. problems to the extent if borrowing 1 I have no constant supply of money, so I can't borrow money 1 I have no income 1 I have no job 1 I have no money to pay back 1 I have no one to borrow from. 1 I have no reason 2 I have not encountered any problem which requires borrowing money. 1 I have not yet found the right conditions for me to borrow in terms of repayment terms 1 I have nothing to use it for 1 I have nowhere to get the money to pay back 1 I have other resources i get money from 1 I have seen a lot of people suffer when they get loans from certain institutions people lose a lot of property if they f 1 I is difficult to find someone to lend you money 1 I just didnt want to 1 I just don't like borrowing 1 I just don't. want 1 I know i don't have income so i can't borrow 1 I might be arrested if I fail to pay 1 I might be jailed if I fail to pay 1 I must have big reason why am want to borrow money 1 I never faced any problem that required me to borrow money 1 I not involved in households finational expenses 1 I owe money 1 I rely more on my business than getting money from people 1 I scared of being put in jail 1 I scared of borrowing because am afraid I might fail to pay back 1 I scared of problems that come with borrowing, cause I don't have a consistent cashflow 1 I sold my cow. 1 I use my savings. 1 I want. pay. back. the money. I owe someone 1 I wanted peace of mind 1 I was ill 1 I was scared of borrowing 1 I was still owing 1 I was working and I was saving money 1 I weighed my self wether I should borrow or not 1 I'm a student 1 I'm able to feed my family with the money i get 1 I'm able to manage my expenses 1 I'm able to manage my exspense with the money i have 1 I'm cared to pay back 1 I'm doing my own business 1 I'm not working 2 I'm not working and no money of my own 1 I'm not working and not where you borrow money 1 I'm not working and still at school 1 I'm poor 2 I'm scared of borrowing 1 I'm scared to pay back 1 It depends with how your day is because I get money from piecework and I am managing on my own at the moment 1 It's better to look for money than borrowing. 1 It's hard to pay back money after getting a debt and just doesn't like borrowing money 1 Just don't want to borrow money from anyone 1 Looking at my level I can't manage to borrow money cause of my struggles 1 No any reason 1 No capacity to pay back 1 No income 1 No reason 6 No specific reason..I've learned to live within my means 1 Not a good idea 1 Not allowed to pay interest according to his religion It'd forbidden 1 Not interested 4 Not interested. 2 Nothing 4 Our status is better now 1 People around don't give money they would rather give goods then u pay later than money 1 People don't lend money to others in her community 1 People don't respect persons who borrow money from them. 1 Refused to tell 1 Respondent avoids borrowing at all costs 1 Respondent does not like to borrow 1 Respondent doesn't like borrowing 1 Respondent has debt in terms. of money she has to give to a business partner for a deal gone wrong. but has not borrowed 1 Respondent is being supported by her parents so she can't afford to borrow 1 Scared of borrowing money just 1 Scared of borrowing. 1 Secured of being pressured when paying back 1 Secured of harassment. 1 Sometimes I manage to get the things I want than borrowing money 1 The interest is too much when paying back. 1 The last time i borrowed i got into a fight with the person i borrowed money from 1 The need is not for 1 The owner may want the money when you don't have 1 There are things that are involved in terms of collaterral 1 To avoid quarreling with the owner of the money 1 Was not interested. 1 Will sell property if I want money 1 Would fall to pay back 1 afraid 2 afraid could not pay back 1 afraid of being jailed 1 afraid of borrowing 2 afraid of the disgrace of borrowing 1 all my needs are being provided to me by my brother inlaw 1 always gets from parents when in need 1 am able to manage most things 1 am afraid I might fail to pay back 1 am afraid because i might not have when the time comes for me to pay back 1 am afraid may fail to pay back 1 am afraid of accumulating debts. 1 am afraid of borrowing 1 am afraid of getting arrested when I fail to repay money 1 am afraid of trouble 1 am afraid the person am owing money can embarance 1 am aged. 1 am alone I manage 1 am not a fan. if borrowing money 1 am not used to borrow money from anyone 1 am not working am still at school 1 am not working and don't have an income, my parents cover all my expenses 1 am not working still attending school 1 am not young to borrow 1 am scared 3 am scared of being in debt 1 am scared of borrowing 6 am scared of borrowing money 2 am scared of borrowing, 1 am scared of failing to pay back 2 am scared of failing to payback 2 am scared of problems 1 am still at attending school 1 am still in school 1 am still paying back the loan got from a lending institution 1 am still young and am at school 1 am too old to borrow money 1 am trying to build and save up money and borrowing is more expensive than saving 1 am used to borrowing 1 an afraid of borrowing 1 avoid problems 2 avoiding problems 1 avoids what comes next of fail to pay 1 because I do not have my own income 1 because I do things at my own ability 1 because I don't work 1 because I have outstanding debt that am paying for 1 because I save 1 because I started working 1 because am not working 1 because his brother peovides for him 1 because i don't earn an income 1 because i don't work 2 because i had money 1 because i save money if any happens that need money to be sorted out 1 because of sickness that I have 1 because she hasn't done any big project that will need a lot of money for borrowing. 1 because there was nobody to lend us money 1 blacklisted 1 borrow only when I have priblems 1 borrowed and paid back last year 1 borrowing 1 borrowing deprives people of their freedom 1 borrowing does not solve your problems 1 borrowing is a pull back 1 borrowing is bad. 1 borrowing is embarrassing at times 1 borrowing makes you poor 1 borrowing money always brings problems because when you go to a microfinance institution they ask for an asset to hold o 1 borrowing money brings about shame 1 business sometimes is hard so when you borrow it becomes a problem to pay 1 by then he was working 1 can manage with what I have 1 can not manage to pay back 1 can't get because I don't have. an income to pa back 1 can't manage to pay back 1 cannot borrow because he is in school 1 cause am currently in school . 1 credit is for people who work. 1 credits can be embrancing 1 debt is very embarrassing and it puts people under pressure 1 did not have a lot of pressures which needed money 1 did not have any emergency at home in order for me to borrow money 1 did not have any emergency that needed money. 1 did not have any emergency which needed me to borrow money. 1 did not have any serious emergency at home that needed me to borrow money 1 did not have pressure to borrow 1 did not need it 2 did not need to borrow money 1 did. not need to borrow 1 didn't did to borrow 1 didn't have anything to use it for 1 didn't have major expenses that needed a lot of money 1 didn't have plans to use the money for. 1 didn't know where to get money 1 didn't not want 1 do not need to borrow any money because I do not have a use for me to generate an income 1 does not earn any income is still at school 1 does not have an income 1 does not like borrowing money 1 does not want 2 doesn't fancy borrowing 1 doesn't have a reason to borrow money 1 doesn't have a source of income to pay back 1 doesn't like being troubled by other people when debt is due 1 doesn't like borrowing 2 don't 1 don't believe in borrowing 1 don't believe in borrowing money 1 don't borrow because my husband gives me 1 don't fill comfortable 1 don't have enough money 3 don't have money to pay back 3 don't have where to borrow 1 don't have where to borrow. 1 don't have. an income 1 don't know 1 don't know when they will have money to pay back 1 don't know where to borrow money. 1 don't like borowing 1 don't like borrowing 1 don't like borrowing and its hard to pay back 1 don't like borrowing and l avoid problems 1 don't like. 1 don't need the money 1 don't need to borrow have my own money 1 don't really have expenses that needs a lot of money 1 don't trust people 1 don't want to be embarrassed 1 don't want to borrow 1 don't want to lose their pride 1 don't want to put myself in the same state. 1 don't work 2 dont have money to pay back 1 dont know what to use the money for 1 dont like borowing 1 every thing is provided to me so there is no need of me borrowing 1 everything is provided no need to borrow 1 facilities are too far 1 fair 1 fear of being arrested and harassed 1 fear of being harrased 1 fear of not being able to pay back 1 fear of what can happen If she can't pay back 1 fear to be jailed. 1 fear to pay back 1 fears not being able to pay back 1 for family purposes 1 for peace of mind 1 for the sake of peace 1 had a house project to complete so did not have enough money to return if I had to borrow 1 had money from farming input. 1 had money to cover expenses. 1 had no job security 1 had no money 1 had nothing pressuring me. 1 had nothing to do with it 1 had people to help him do had no need to borrow 1 had saved some money for emergency purposes already . 1 had savings to cover up expenses. 1 had savings to help him,that's why didn't borrow. 1 have no use for the money I can borrow 1 have nothing pressing me. 1 have nothing that want money 1 have nowhere to borrow from. 1 have nowhere to borrow money from. 1 have nowhere to go. 1 have own money 1 have savings at the bank 1 have some money we keep 1 he borrowed 1 he dint have plans to borrow 1 he doesn't work 1 he wants. to pay back the money. he owes. someone 1 her husband gives her money 1 here in my village people don't give money unless u get goods 1 here people the don't like to lend money 1 i do have my own money sometimes. so i don't rush to borrowing 1 i don't have income 1 i don't know 1 i don't want trouble 1 i dont like borowing for fear of being unable to pay back on time 1 i dont like borrowing 2 i had access to cash 1 i just trust my farming business which keeps me and my family 1 i usually have 1 i' ve borrowed money 1 i'm still young 1 if I borrowed I would have no guaranty of paying back 1 if I keep borrow ing I won't be able to save 1 if u borrow u may end up flossing the money u have worked for and I am content with the money I have 1 it better to borrow where you know that you will find big interest. 1 it brings a lot of problems 1 it brings embarancement 1 it brings enemity 1 it brings enmity 1 it brings so many problems 1 it can be difficult at times 1 it is currently unnecessary for Me to do that 1 it is hard to pay back 1 it pulls us behind. because the money is not usually used for the intended purpose 1 it saves me from pressure 1 it's embarrassing 1 it's less expensive to pay for something than to borrow 1 it's no good to borrow money that ,i can not pay back 1 it's to have my own means than. to borrow 1 just avoiding 1 just didn't think of 1 just didn't want 1 just doesn't like it 1 just doesn't want to 1 just don't want 1 just don't want borrow 1 just given wat we need 1 know reason 7 know reasons 1 kubvutika kwa munthu 1 l Don,t like borrowing 1 l Don,t like borrowing money 1 l hand money to use in the pass 12months 1 manage without borrowing 1 money is not used much in this area 1 my brother inlaw does everything for me 1 my elder brother usually helps me 1 my grandma provides for me 1 my husband provides every thing 1 my income is not enough to sustain these institutions 1 my parents give me money so if I borrow and they don't give me, I might not be able to pay 1 my salary takes long to come 1 needed to pay off debt to be relieved off old debt 1 no NRC 1 no financial. access 1 no interest in borrowing 1 no means of paying back 1 no means of paying back. 1 no money 1 no money to pay off the debt , it's difficult to find money in the village 1 no need 3 no need to 1 no need to borrow money. money has to be borrowed when there's need 1 no need to do that cause dad covers all my expenses 1 no one can give me 1 no one lends money in my area 1 no one to borrow from 1 no paying back means 1 no permanent source income to meet debts deadlines 1 no reason 12 no reason at all 1 no reason, I just didn't borrow 1 no source of income to be sure of paying back 1 no time for that 1 no urgent issue to sort out 1 no use for borrowed money 1 no use of it 1 no where to borrow 1 no where to borrow from 2 no where to borrow money here we they same 1 not enough pressure to push me to borrow 1 not have money to pay for the things 1 not interested. 1 not the right habit 1 not used 2 not used to borrowing 1 not working 3 nothing 17 nothing. 1 nowhere to borrow money and people here don't lend money 1 nowhere to borrow money people here are poor 1 only borrowed from farming company NWK but has paid back and is managing through selling of livestock 1 other people want to grab your properties if you have not paid back the debt, I don't want to be embarrassed 1 others don't know how to talk. 1 people don't give money unless u get goods 1 people don't lend here 1 people don't lend money here 2 people don't lend money here poverty 1 people don't lend money someone who's not working like me 1 people here don't lend money 1 people refuse in this area to assist me 1 people to give me credit are not applicable 1 people who lends money are aggressive 1 person you borrowing money and when paying back they want interest 1 poverty 2 rely on the money I recieve 1 respondent fears to be heavy in debt 1 scared 5 1 scared of been arrested 2 scared of being harrased if she doesn't pay back 1 scared of being locked by the police wn I fell to pay 1 scared of borrowing 3 scared of borrowing money 1 scared of divisions 1 scared of not being able to pay back 1 scared of paying back. I dnt have money the money I get is very little 1 scared of problems 2 scared of tentions 1 scared wouldn't be able to pay back 1 she borrowed. 1 she couldn't borrow because she had the money she needed at that particular moment 1 she did not want to borrow 1 she does work 1 she doesn't get a salary 1 she doesn't know 1 she doesn't like borrowing. 1 she doesn't to borrow money 1 she doesn't want not interested 1 she doesn't want to borrow from any one 1 she doesn't work 1 she doesn't work so she can't borrow 1 she don't need it 1 she has no where to borrow from 1 she is scared of owing money 1 she just dont like to borrow money 1 she would rather work for the money than borrow it 1 she's able to meet her need 1 she. keeps. her. savings 1 some people have bad manners such that they can disclose you when you miss a date 1 sometime it really hates when you can't pay at an agreed date 1 still a pupil 1 still at school 2 still have outstanding debt. 1 still owe people money 1 still pay. some loan I got 1 still paying other loan 1 still schooling 1 still servicing debt borrowed before last 12 months 1 the end result of paying back 1 the fear of paying back they will take me to the police 1 the is not enough to be borrowing 1 the little I find is able to manage me 1 the main reason is that we have savings so we don't need to borrow. 1 the money i get from my selling is enough for me 1 the process delays 1 then was getting an income 1 there IS no need to borrow as i had things under control 1 there are no pressing issues for me to borrow 1 there is no money in my village 1 there is no one to borrow from 1 there is no respect. in borrowing 1 there is not much security 1 there was no need of borrowing 1 there was no one to lend me money 1 these days unless you top up. 1 they do not have anyone who they cab borrow from or help them 1 they is a delayment in paying our salarys 1 they just don't. want to borrow 1 thinks borrowing is not good. 1 to avoid embarancement 1 to avoid misunderstanding 1 to avoid problems 1 trying to avoid debts 1 used her holding money in the house 1 used to get from FINCA but not anymore because someone on her group still owes 1 was busy schooling 1 1 we don't know were to borrow money to use to generate more profit 1 we mostly get money from our own farm produce 1 where I was supposed to borrow. is not around 1 would rather rely on savings than borrow money 1 wouldn't be able to pay back 2 you can borrow if you know where to get money to pay back 1 you dont like borrowing 1 you find that the owner of the money will want his or her money when you don't have 1 5.4.a Lenders used 2486 6085 1 Borrowed money from a bank 110 2 Borrowed money from a microfinance institution such as Finca 68 3 Borrowed money from a microlender such as Blue, Bayport 52 4 10 5 Got a loan from a Government Scheme/Institution 7 6 Borrowed money from your employer 73 7 Borrowed money from family/friends that you had to pay back 1699 8 Got money from family/friends that you did not have to pay b 156 9 Borrowed money from savings group 43 10 Borrowed money from someone in the community who lends money 165 11 Borrowed money from a church or other community based organi 32 12 Did you borrow money or get goods in advance from any other 71 Sysmiss 6085 5.4.a Lenders used 245 8326 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 5 3 Borrowed money from a microlender such as Blue, Bayport 13 4 1 5 Got a loan from a Government Scheme/Institution 4 6 Borrowed money from your employer 2 7 Borrowed money from family/friends that you had to pay back 50 8 Got money from family/friends that you did not have to pay b 78 9 Borrowed money from savings group 12 10 Borrowed money from someone in the community who lends money 42 11 Borrowed money from a church or other community based organi 18 12 Did you borrow money or get goods in advance from any other 20 Sysmiss 8326 5.4.a Lenders used 46 8525 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 1 4 0 5 Got a loan from a Government Scheme/Institution 2 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 7 8 Got money from family/friends that you did not have to pay b 12 9 Borrowed money from savings group 2 10 Borrowed money from someone in the community who lends money 11 11 Borrowed money from a church or other community based organi 4 12 Did you borrow money or get goods in advance from any other 7 Sysmiss 8525 5.4.a Lenders used 7 8564 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 0 4 0 5 Got a loan from a Government Scheme/Institution 0 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 1 8 Got money from family/friends that you did not have to pay b 2 9 Borrowed money from savings group 1 10 Borrowed money from someone in the community who lends money 2 11 Borrowed money from a church or other community based organi 0 12 Did you borrow money or get goods in advance from any other 1 Sysmiss 8564 5.4.a Lenders used 2 8569 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 0 4 0 5 Got a loan from a Government Scheme/Institution 0 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 0 8 Got money from family/friends that you did not have to pay b 0 9 Borrowed money from savings group 1 10 Borrowed money from someone in the community who lends money 1 11 Borrowed money from a church or other community based organi 0 12 Did you borrow money or get goods in advance from any other 0 Sysmiss 8569 5.4.a Lenders used 0 8571 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 0 4 0 5 Got a loan from a Government Scheme/Institution 0 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 0 8 Got money from family/friends that you did not have to pay b 0 9 Borrowed money from savings group 0 10 Borrowed money from someone in the community who lends money 0 11 Borrowed money from a church or other community based organi 0 12 Did you borrow money or get goods in advance from any other 0 Sysmiss 8571 5.4.a Lenders used 0 8571 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 0 4 0 5 Got a loan from a Government Scheme/Institution 0 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 0 8 Got money from family/friends that you did not have to pay b 0 9 Borrowed money from savings group 0 10 Borrowed money from someone in the community who lends money 0 11 Borrowed money from a church or other community based organi 0 12 Did you borrow money or get goods in advance from any other 0 Sysmiss 8571 5.4.a Lenders used 0 8571 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 0 4 0 5 Got a loan from a Government Scheme/Institution 0 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 0 8 Got money from family/friends that you did not have to pay b 0 9 Borrowed money from savings group 0 10 Borrowed money from someone in the community who lends money 0 11 Borrowed money from a church or other community based organi 0 12 Did you borrow money or get goods in advance from any other 0 Sysmiss 8571 5.4.a Lenders used 0 8571 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 0 4 0 5 Got a loan from a Government Scheme/Institution 0 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 0 8 Got money from family/friends that you did not have to pay b 0 9 Borrowed money from savings group 0 10 Borrowed money from someone in the community who lends money 0 11 Borrowed money from a church or other community based organi 0 12 Did you borrow money or get goods in advance from any other 0 Sysmiss 8571 5.4.a Lenders used 0 8571 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 0 4 0 5 Got a loan from a Government Scheme/Institution 0 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 0 8 Got money from family/friends that you did not have to pay b 0 9 Borrowed money from savings group 0 10 Borrowed money from someone in the community who lends money 0 11 Borrowed money from a church or other community based organi 0 12 Did you borrow money or get goods in advance from any other 0 Sysmiss 8571 5.4.a Lenders used 0 8571 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 0 4 0 5 Got a loan from a Government Scheme/Institution 0 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 0 8 Got money from family/friends that you did not have to pay b 0 9 Borrowed money from savings group 0 10 Borrowed money from someone in the community who lends money 0 11 Borrowed money from a church or other community based organi 0 12 Did you borrow money or get goods in advance from any other 0 Sysmiss 8571 5.4.a Lenders used 0 8571 1 Borrowed money from a bank 0 2 Borrowed money from a microfinance institution such as Finca 0 3 Borrowed money from a microlender such as Blue, Bayport 0 4 0 5 Got a loan from a Government Scheme/Institution 0 6 Borrowed money from your employer 0 7 Borrowed money from family/friends that you had to pay back 0 8 Got money from family/friends that you did not have to pay b 0 9 Borrowed money from savings group 0 10 Borrowed money from someone in the community who lends money 0 11 Borrowed money from a church or other community based organi 0 12 Did you borrow money or get goods in advance from any other 0 Sysmiss 8571 5.4.a Lenders used [Other (specify)] 99 0 Agola. Small loaning firms. 1 Am Member of a farmerd cooprative 1 BUSINESS PERSON 1 Borrowed from a different village 1 Borrowed from the church. 1 Borrowed money from a different village 1 Borrowed. money from other farmers and goods in advance such as fertilizer 1 FROM FAMILY MEMBER 1 From a trader 1 From traders 1 Gola 1 Got a curtain on kaloba 1 Got from a friend. 1 Got goods to pay back with kaloba 1 HAS BORROWED FROM IZWE LOANS 1 I borrowed from lubuto jump start an organization. 1 I borrowed money from Vision Fund. 1 I didn't borrowing money from any of these 1 I got charcoal and salt which I will pay later 1 I got money from my friend which I will pay after harvest 1 I got shoes 1 Kangulube Cooperative 1 Local Business man 1 Madison Finances 1 My neighbor 1 Nothing 1 Respondent has debts at children's schools 1 Siliza 1 Small local micro lender called Agola 1 T.V. 1 Zanaco 1 a mat 1 alliance ginery 1 an acquaintance 1 borrowed charcoal 1 borrowed from someone 1 borrowed from the neighbor 1 borrowed from the neighbor! 1 borrowed money from Zambia national building society 1 borrowed money from friends and paid back 1 cooperative 1 family member 1 family members 1 friend 3 friends 3 friends from my community 1 from Local traders who sells washing dishes and plates 1 from a friend 1 from a friend who owns a shop 1 from a savings and credit cooperative 1 from a shop near by..... 1 from am landlord l get some sheo 1 from friend 1 from friends 1 from my father. 1 from the head master. 1 got a mobile phone on credit 1 got an umbrella 1 got beans on credit from my in laws shop 1 got clothes on credit from friend 1 got fuel on credit 1 he didn't borrowing 1 he just borrowing money from church 1 izwe 2 izwe loan lender 1 madison 1 money from a friends 1 money from someone in our locality 1 my child's dress 1 my fellow villager 1 my friend 1 neighbor 1 none 4 nothing 2 nowhere 1 other people 1 respondent has not borrowed. 1 school tuition fees 1 sellers or shop owners 1 shop 1 shop owner 1 silk 1 someone in the community 1 to a friend 1 traders 2 vision fund 3 world vision 1 5.4.b. Repayment method - Borrowed money from a bank 110 8461 1 Regular payments over time 89 2 Had/have to pay everything back at once (lump sum) within a 14 3 Payment in kind (goods/services) 4 4 Other 3 Sysmiss 8461 5.4.b. Repayment method - Borrowed money from a microfinance institution such as 73 8498 1 Regular payments over time 58 2 Had/have to pay everything back at once (lump sum) within a 7 3 Payment in kind (goods/services) 3 4 Other 5 Sysmiss 8498 5.4.b. Repayment method - Borrowed money from a microfinance institution such as Finca or Pride 5.4.b. Repayment method - Borrowed money from a microlender such as Blue, Baypor 66 8505 1 Regular payments over time 60 2 Had/have to pay everything back at once (lump sum) within a 3 3 Payment in kind (goods/services) 0 4 Other 3 Sysmiss 8505 5.4.b. Repayment method - Borrowed money from a microlender such as Blue, Bayport 11 8560 1 Regular payments over time 5 2 Had/have to pay everything back at once (lump sum) within a 5 3 Payment in kind (goods/services) 1 4 Other 0 Sysmiss 8560 5.4.b. Repayment method - Got a loan from a Government Scheme/Institution 13 8558 1 Regular payments over time 11 2 Had/have to pay everything back at once (lump sum) within a 0 3 Payment in kind (goods/services) 0 4 Other 2 Sysmiss 8558 5.4.b. Repayment method - Borrowed money from your employer 75 8496 1 Regular payments over time 37 2 Had/have to pay everything back at once (lump sum) within a 30 3 Payment in kind (goods/services) 3 4 Other 5 Sysmiss 8496 5.4.b. Repayment method - Borrowed money from family/friends that you had to pay 1757 6814 1 Regular payments over time 584 2 Had/have to pay everything back at once (lump sum) within a 1032 3 Payment in kind (goods/services) 39 4 Other 102 Sysmiss 6814 5.4.b. Repayment method - Borrowed money from family/friends that you had to pay back 5.4.b. Repayment method - Borrowed money from savings group 59 8512 1 Regular payments over time 28 2 Had/have to pay everything back at once (lump sum) within a 25 3 Payment in kind (goods/services) 2 4 Other 4 Sysmiss 8512 5.4.b. Repayment method - Borrowed money from someone in the community who lends 221 8350 1 Regular payments over time 60 2 Had/have to pay everything back at once (lump sum) within a 140 3 Payment in kind (goods/services) 11 4 Other 10 Sysmiss 8350 5.4.b. Repayment method - Borrowed money from someone in the community who lends money to others 5.4.b. Repayment method - Borrowed money from a church or other community based 54 8517 1 Regular payments over time 16 2 Had/have to pay everything back at once (lump sum) within a 36 3 Payment in kind (goods/services) 0 4 Other 2 Sysmiss 8517 5.4.b. Repayment method - Borrowed money from a church or other community based organisation that you belong to 5.4.b. Repayment method - Other 99 8472 1 Regular payments over time 38 2 Had/have to pay everything back at once (lump sum) within a 36 3 Payment in kind (goods/services) 3 4 Other 22 Sysmiss 8472 5.4.c. Who did you borrow the most money from? 245 8326 1 Borrowed money from a bank 29 2 Borrowed money from a microfinance institution such as Finca 16 3 Borrowed money from a microlender such as Blue, Bayport 13 4 3 5 Got a loan from a Government Scheme/Institution 5 6 Borrowed money from your employer 16 7 Borrowed money from family/friends that you had to pay back 104 8 Got money from family/friends that you did not have to pay b 0 9 Borrowed money from savings group 9 10 Borrowed money from someone in the community who lends money 29 11 Borrowed money from a church or other community based organi 8 12 {0} 13 Sysmiss 8326 5.5. Main reason for borrowing from lender (biggest loan) 2486 6085 1 Proximity - convenient access 365 2 Easy/simple to use 299 3 Quickest access to the money 592 4 Repayment terms suits me 278 5 Trust 557 6 Interest rates are low 82 7 Have to be able to ensure nobody knows about it 9 8 Other, specify 304 Sysmiss 6085 5.5. Main reason for borrowing from lender (biggest loan) [Other (specify)] 304 A friend took me there. 1 All alternatives failed 1 Because I dont work. 1 Because I had enough money 1 Because I liked the clothes 1 Because my friend wont trouble me too much 1 Because of their good relationship 1 Building project is big. They give big loan 1 Comfortable 1 Don't know the terms and conditions of other lenders. 1 Food 1 For an emergency 1 For emergency use so I quickly withdrew. money when I need some 1 For home use 1 For medical expenses 1 For paying school fees. 1 For. Transport to go to a funeral 1 Funeral Expenses 1 Had experienced a problem and I needed fast money to help me go through my problems 1 Had to get something for my family 1 He is very understanding 1 I didn't have enough money so I borrowed some from my friend because I trust him 1 I didn't have enough so I needed extra 1 I didn't have money 1 I didn't have money for household use 1 I didn't have money to buy cash 1 I don't know where to borrow from. 1 I don't. have. food 1 I got something from her which I had to pay for it 1 I had a lot of problems 1 I had a small problem to sought out 1 I had an emergency 1 I had an emergency so I needed fast money 1 I had interest to use the goods 1 I had no one in mind. 1 I had no other places to borrow from 1 I had not yet joined the institutions like banks or Finca 1 I had to order some stocks 1 I just needed money at that time 1 I needed to sort school fees for school going children. 1 I overspend my salary so got forced to borrow from family members. 1 I wanted a lot of money that friends could not give 1 I wanted to but my clothes 1 I wanted to buy a dress 1 I wanted to buy fertilizer 1 I wanted to buy food and other stuffs for my house household 1 I wanted to go for further study 1 I wanted to pay for my medical expenses 1 I wanted to pay for my school fees 1 I wanted to pay school fees for My children 1 I wanted to raise money for a Chillimba contributions 1 I wanted to something when I had run of money 1 I wanted. to use it at home because I had. no money 1 I was going through problems so wanted fast money 1 I was in need of money 1 I was in pressures 1 I was licking farming inputs 1 I wash short of money 1 Just helped me 1 None 1 Not applicable 1 Nothing 1 Saving group's constitution says everyone must borrow. 1 She borrows small amounts so she can't got to the bank or others 1 They are very helpful 1 They don't allow getting credit from the Bank. 1 To boost production and to pay of outstanding debts 1 To build 1 To buy building materials 1 To expand the business 1 To start a business 1 Top up money to buy some goods 1 Tried all the villages the only person who was willing to give them stays "mwa Bulozi" so they had no choice but to walk 1 a form of fundraising at church 1 adding on rentals 1 am familiar with the person 1 because I was in need of it 1 because I work there and they understood my situation 1 because he knows me 1 because of poverty 1 because she is my close friend 1 because that is where i save 1 because we live in the same community we can help each other 1 bought food 1 building 1 business 1 buy fertilizer 1 can borrow a lot of money 1 capital for business 1 cause no interest was charged 1 daily needs 1 domestic problem 1 domestic problems 1 don't have money for business 1 don't know 1 don't know how to get a loan from the bank 1 don't know where else to borrow 1 don't know where else to borrow money. 1 exam fees 1 fair lending rates 1 favorite. 1 fineral 1 for construction of the house 1 for farming purposes 1 for funeral expenses 1 for home consumption such as food and groceries. 1 for home use 1 for household use 2 for lotion 1 for personal use 1 for school expenses 1 for school fees 4 for school tutions 1 for the business 1 for transport money 1 for. personal use 1 friends always helps respondents family 1 funeral expenses 1 get a plot 1 good relationship 1 had a funeral 1 had a problem 1 had a problem to solve 1 had a problem to sort out 1 had an emergency so I needed fast money 1 had no food stuffs at home 1 had no money 1 had no options but borrow from kaloba. 1 had no other choice 1 had nothing at home 2 had to go to church camp meetings 1 hard no were to get money from 1 have a relationship with the lender 1 have to pay for my younger brothers school 1 he can't really trouble me when it comes to paying 1 he don't have money 1 he gives me enough time to pay back the money 1 he is kind and he would understand if I have a problem 1 he is my relative 1 he is the only person who had the amount of money I wanted 1 he wanted to buy a tv 1 he was the only one I could run to 1 he was the only one who can help 1 he was the only one willing to lend me money 1 he's the one who had the money 1 her husband got sick 1 his good hearted 1 home use 1 house use 1 household expenses 1 1 i wanted to pay for the plot in chibombo 1 i wanted to top up pay for school 1 i wanted to use as transport 1 i was sick so i used for treatment 1 in order to pay sofas and school fees 1 it is common here, that's where we borrow money from. 1 it wad used as transport for someone who came to visit us I didn't have ready cash 1 it was faster as i did not have to apply 1 it was school fees for my child 1 it was used from transport 1 it's a very helpful organization that helps its members 1 it's safe 1 its the only source in our village were i can get money on credit 1 just for home consumption 1 just to get by with 1 lacked some necessities 1 left some balance to pay to chilimba where I belonged 1 medication 1 mpindu 1 my brother is helpful 1 my child was sick 1 my family member was sick 2 my friends understand my needs 1 needed money to pay for something 1 needed to buy something.. 1 needed to get somethings 1 needed to use at home 1 no good reason but because of living hardships 1 no reason just wanted money 1 none 4 nothing 3 onot one available at the time 1 paid rental 1 pay for bride price 1 paying school fees for the nephew 1 poverty 2 problems 1 quickest access to goods 1 really wanted the good she had to pay for later 1 rent 2 school fees 8 school payment 1 she didn't borrowing 1 she was sick 1 sick mother inlaw 1 something unexpected came up 1 that is what was available 1 that's the only source of getting money on credit that I I know in this area 1 that's what he wanted 1 thats where mummy gets money 1 the bank had to give me the amount I wanted 1 the friend had the money. 1 the friend is lenient 1 the general of the brother 1 the money i needed was to small 1 the money i wanted too small 1 the need was high.. I had borrow huge sums of money 1 the one I know 1 the relationship is good 1 there was no food at home 1 there was something I wanted to buy 1 they are the one's who had money 1 they don't get property when we fail to pay 1 they had no food in the house 1 they had the items which impressed them 1 they just brought then I borrowed 1 they knew we had a problem 1 they the ones that could help at that time 1 they understand my needs 1 they wanted to solve some problems 1 they were the only ones available 1 they were the only ones who could assist me 1 things became taff at home. 1 to add on to the purchasing of my fertilizer 1 to buy a plot 1 to buy charcoal 1 to buy charcoal and mealie meal 1 to buy clothes 1 to buy clothing 1 to buy food 3 to buy food for my house hold 1 to buy lotion 1 to buy seed 2 to expand my business 1 to gets floor mats from him 1 to help me do my wedding 1 to help us get get empowered financially 1 to invest in the business 1 to invest in the farming business 1 to me with my farming activities 1 to pay for education 1 to pay for school fees 2 to top up on school fees 1 to use it for something 1 to use it to clear rentals 1 to use the borrowed money as my transport 1 transport 2 transport money 1 transportation 2 trying to see how it works 1 understanding 1 uniforms for children 1 urgent need 1 use it for transportation 1 wanted to buy a pen 1 wanted to buy a phone 1 wanted to buy a vehicle for transport 1 wanted to buy seed 1 wanted to buy something 1 wanted to buy something when had no money 1 wanted to raise wedding contributions 1 was brock 1 was building a house 1 was in a group that was with finca 1 was stranded 1 was the only available source 1 wasn't working 1 we buying something 1 we credit our selves 1 we didn't have transport money to go to the hospital when i was due 1 we don't borrow because our parents provide for us 1 we had a funeral our relative died 1 we had nothing at home 1 we had some family financial pressure 1 we have a better understanding 1 we know and understand each other 1 we were in need of cash 1 5.6. Thinking about the money you borrowed from .... {biggest loan} what was thi 2486 6085 1 Medical expenses/medical emergencies 201 2 An emergency other than medical 167 3 Living expenses when you did not have money 593 4 To take care of a sick relative/relatives 14 5 For another person to use 62 6 Paying off another debt 11 7 Chilimba contribution 8 8 Savings group contribution 2 9 A wedding or lobola 9 10 Funeral expenses 89 11 Education or school fees (self or others) 389 12 To pay water/electricity/telephone bills 3 13 Business expenses such as stock, stationary, packaging 138 14 Farming expenses such as seeds, fertiliser or land preparati 128 15 To buy household goods such as fridge, stove, etc. 41 16 Buying land 20 17 Buying or building a house for you to live in 57 18 Buying a house or land to rent out 18 19 Improving or renovating your house 12 20 Buying livestock 9 21 Buying farming equipment or implements/fishing equipment suc 21 22 Buying a bicycle, motorcycle, car, truck or other transport 21 23 Starting or expanding your business 59 24 Putting money or goods into someone else's business 1 25 To take care of a sick relative/relatives 5 26 For another person to use 33 27 Other, specify 375 Sysmiss 6085 5.6. Thinking about the money you borrowed from .... {biggest loan} what was this money for? 5.6. Thinking about the money you borrowed from .... {bggest loan} what was this 375 Bought food 1 Bought logs 1 Bought second hand clothes for selling 1 Building materials. 1 Bus fair 1 Business 1 Buying a phone 1 Buying clothes.. 1 Clothes for the child 1 Committed a crime 1 Didn't have a book for school so he got money from his friend because he was at school and couldn't wait till he came ba 1 Don't wish to disclose..it was confidential 1 Education purposes 1 Food 4 Food groceries 1 Food ran out and to buy some more 1 For building his house 1 For food 1 For household use 1 For my capital 1 For my grade12examination fees 1 For paying off outstanding debts and boosting production in farming 1 For radio repairing 1 For transport 1 For transport for my son. He was going to school in Kasempa 1 For transport when coming back from.orders 1 Gave the Relative who was going to the Village as Money for Transport 1 Got perfume for myself 1 Graduation fees 1 Had a church trip to Livingstone 1 Had to travel 1 I borrowed money to pay Zesco to bring electricity in my house 1 I bought a barbing machine and a battery 1 I bought a memory card for my phone 1 I bought a phone 1 I bought a trousers 1 I got goods which I have to pay back later 1 I got some clothes 1 I had a lot of things to settle at a goal. 1 I invested that money and used the profit to pay back money 1 I paid yo have my hair cut 1 I used it to take a passport size photo which was taken to the social warfare when I wanted to be a member 1 I used money to transport furniture that I bought 1 I used the money for transport 1 I want to clear my car at the border 1 I wanted a top up for my capital 1 I wanted to buy a mattress 1 I wanted to buy charcoal 1 I wanted to top up on the money o had so that I can buy a phone 1 I wanted. to buy food and other. groceries 1 I was given some ones money but I eat it 1 I was traveling 1 Licence 1 Nothing 1 Paying house rentals 1 Personal usage 1 Respondent borrowed money to fix his car 1 Respondent used money for transport expenses 1 She bought a goat 1 She started a business. 1 Talk time 1 The child to Lusaka to take things for selling 1 They bought bicycle tires kitchen ustenils etc 1 To buy a pocket of cement 1 To buy clothes 1 To buy fuel for the car 1 To buy uniform materials for sale 1 To have more capital fo my business 1 To pay people who helped him with farm chores 1 To repair my bicycle 1 To sustain the order of goods. 1 Transportation. 1 Used for my Alchols 1 Vacation to Ntumbachushi 1 Was not money 1 Window Frames 1 a form of fundraising at church 1 add on rentals 1 add on the money for fertilizer 1 adding on my business 1 airtime 1 boarding house rental fees 1 bond fees 1 borrowed for my brother in lusaka 1 borrowed money to buy fertilizer 1 borrowing for a brother 1 bought a phone 1 bought a radio 1 bought a suit 1 bought food 4 bought lotion 1 bought shoes 1 brewing liquor 1 build a chicken land 1 building materials 1 building the house 1 bus fair 2 business 1 business expenses 1 business that am doing 1 buy a fone 1 buy a pen 1 buy a phone 1 buy clothes 1 buy food 1 buy household needs 1 buy meali meal 1 buy shoes for the daughter 1 buy soap 1 buying Vaseline 1 buying a land 1 buying cows 1 buying farm produce such as sweet potatoes 1 buying food 1 buying food for my baby 1 buying food for the family 1 buying goods at home 1 buying grains 1 buying house hold requirements 1 buying household goods 1 buying of my clothes 1 buying shoes for my daughter 1 buying village chickens and goats to go and sell in solwezi 1 can't remember 1 can't remember because it has been long 1 capital boosting in business 1 church contribution 1 clothes for personal use 1 clothing 1 cosmetics 1 daily use 1 didn't borrow 1 don't remember 1 donations at church 1 exam fees 1 farming 1 1 farming group contribution 1 farming purposes 2 fixed the phone 1 food 4 food for school 1 for a business 1 for a function and party 1 for airtime. 1 for brewing beer 1 for business 3 for buying a church uniform 1 for buying a dress 1 for children's school fees 1 for clothes 2 for food 1 for food and others 1 for food. 1 for fun 1 for going for a church meeting out side our community 1 for household groceries 1 for households use 1 for lotion 1 for meali meal 1 for my granddaughter school fees 1 for other personal use 1 for own use 1 for paying Rent 1 for releasing someone who was incarcerated 1 for rental 1 for salon 1 for school fees 1 for school use 1 for the feneral 1 for transport 6 for transport, i was travelling to mporokoso 1 for transportation 1 for transportation of farming produce 1 for unforseen medical and school expenses 1 for. buying family groceries 1 forgot the reason 1 forgoten what it was for 1 forgotten 1 fuel for the car 1 funeral expense 1 funeral expenses 1 goats 1 good only 1 got building material had to pay for later 1 got clothes 1 got something from pep store's 1 got the money and used to take my farm produce to the market 1 had some case to pay for 1 had to go to camp meetings 1 he wants to buy a tv 1 helping my parents to build a house 1 home use 1 household food groceries 1 household groceries 1 household problems 1 household. and food expenses 1 i had to use it for transport 1 invest in my bussiness 1 it is personal I can't reveal 1 it was a material that I got 1 it was for my school fees 1 it was for transport 1 it was for transport to travel outc 1 it was the clothes i got 1 it wasn't money but table clothes. 1 it wasn't the money they borrowed but the pots and clothes which they paid for later 1 it's an emergency 1 it's was not money that l borrowed but shoes 1 just got a ward robe on credit 1 just something 1 just something else 1 l hand shot of from ma business 1 money was for transport 1 mpindu 1 my business went low so I wanted capital to start something else 1 my mother nedeed to go to the funeral and there was no money ay home so i had to borrow 1 my son was imprisoned so I had to pay for him 1 need to add on my business 1 needed to buy a phone 1 needed to get somethings 1 none 4 nothing 1 1 other needs 1 paid for customs duty 1 pay rent 1 pay rentals 1 paying back things i got from a shop 1 paying for school fees 1 paying my rentals 1 paying rentals 2 paying school fees 1 personal 2 personal use 2 phone repair 1 poultry 1 poverty 1 refused 2 rent 3 rental 2 rentals 1 respondent has not borrowed money 1 school 1 school books 1 school fees 1 self use 1 she borrowed because she needed the money to buy relish 1 she bought a chintenge material 1 she bought sugar and cooking oil 1 she can't remember 1 she didn't borrowing 1 she get some food 1 she got goods in advance 1 she wanted to buy uniforms for her daughter 1 she wanted to property that got burnt 1 slippers 1 so that we can corrupt someone to help us get a job 1 something personal 1 sons birthday party 1 spare part for a bicycle 1 started a business 1 talktime 1 the charcoal we used it for cooking 1 they wanted to solve the problem 1 to attend funeral when respondents father passed away 1 to buy a SIM card. 1 to buy a trousers 1 to buy clothes 2 to buy clothing 1 to buy fishing nets 1 to buy food 6 to buy food stuffs. 1 to buy groceries 1 to buy household goods 1 to buy household goods such as meal meal and relish 1 to buy lotion 1 to buy meat. 1 to buy my child food for school 1 to buy my self a bag 1 to buy shoes 2 to buy the wig/hair 1 to buy. chitenge 1 to deal with other problems financially 1 to get car out of impound 1 to get maize for mealie meal 1 to maintain my bussnes 1 to pay for the processing of a driver's license 1 to pay household rentals 1 to pay rates 1 to pay rentals 1 to pay the rent 1 to purchase a coffin 1 to repair the fridge 1 to support her business 1 to top up on rentals 1 transport 7 transport costs 1 transport for money for transporting business items 1 transport for my children to go back to school. 1 transport going to Lusaka 1 transport money 2 transport to come to Luanshya from Luwingu 1 transport to monze to vote 1 transportation 4 tried to start a business but failed 1 used it for transport money 1 used it to buy food 1 used to buy food 1 used to material for the house been constructed 1 vehicle 1 want to pay tithe at Church 1 wanted to buy a phone 2 wanted to buy shoes for school 1 wanted to buy shoes. 1 wanted to buy slippers 1 wanted to plait hair 1 wanted. to buy a phone 2 wanted. to buy airtime 1 was going somewhere 1 was mugged after payday and thieves went away with his salary and other possessions he had that night so had to borrow 1 was very broke 1 washing powder 1 we were buying something 1 wedding expenses 1 wedding expenses for my child 1 weddings gifts 1 5.6. Thinking about the money you borrowed from .... {bggest loan} what was this money for? [Other (specify)] 5.7. Formal loans - You were given a written contract 240 8331 1 Yes 220 2 No 20 Sysmiss 8331 5.7. Formal loans - The loan agreement was explained to you 240 8331 1 Yes 238 2 No 2 Sysmiss 8331 5.7. Formal loans - You were told about all the costs before you took the loan 240 8331 1 Yes 234 2 No 6 Sysmiss 8331 240 8331 1 Yes 231 2 No 9 Sysmiss 8331 5.7. Formal loans - The regular instalment was about the amount you thought it w 240 8331 1 Yes 210 2 No 30 Sysmiss 8331 5.7. Formal loans - The regular instalment was about the amount you thought it would be 5.7. Formal loans - You could easily get the documents needed to apply for the l 240 8331 1 Yes 215 2 No 25 Sysmiss 8331 5.7. Formal loans - You could easily get the documents needed to apply for the loan 5.7. Formal loans - You were required to provide security/collateral 240 8331 1 Yes 149 2 No 91 Sysmiss 8331 5.7. Formal loans - You were required to make a deposit before you got the loan 240 8331 1 Yes 72 2 No 168 Sysmiss 8331 5.8.1. In the past 12 months have you missed making a payment when it was due? 2246 6325 1 Yes 671 2 No 1575 Sysmiss 6325 5.8.2. What was the main reason for you missing a payment? 672 7899 1 The provider of the loan did not contact me to receive payme 4 2 I had unexpected expenses and could not pay 126 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 wo 0 6 I could not get transport 2 7 My employer did not give me my salary 22 8 People/institution I supply goods to did not pay me 3 9 I lost my job 9 10 I lost my crop/harvest/livestock 2 11 I did not get a good price for my crop/harvest 7 12 My business was not doing well/failed 38 13 I was looking after a family member who was sick 3 14 I was sick 5 15 I did not have the money 396 16 Other specify 51 17 Refused 2 Sysmiss 7899 5.8.2. What was the main reason for you missing a payment? [Other (specify)] 51 0 I Used the money I was supposed to return for fertilizer 1 I couldn't find any piece works 1 I couldn't raise the money on the due date 1 I didn't have money at that moment 1 I had no money at that moment and being in the village 1 I had to pay for my husband feneral expenses 1 I had to pay school fees for my children 1 I received my salary late 1 I was away 1 I was away from the place where I borrowed 1 I was away of the time of settlement 1 I was delayed a payment at work 1 I was out of town 1 I wasn't present the time I had to repay the debt 1 Late income coming in to justify my reason 1 My expected source delayed to to give me money 1 My husband's salary wasn't due 1 Respondent did not have enough money to pay back 1 She doesn't have money yet. 1 The owner of the money didn't come on time 1 The person who was supposed to come get the all money did not come 1 We had to at rent. first 1 agreed to pay off debt after getting my father`s pension. 1 due to fish banning 1 expenses are too high 1 holped to receive money from someone and didn't bring. 1 husband's salary. came in late 1 i could not send money were i was 1 i was not allowed, i was out of town. 1 i was not around 1 it was per agreed 1 money ia hard to find 1 money is not yet enough as agreed. 1 my employer gave me some time to pay off the debt 1 my friend told me not to pay 1 my harvest was poor 1 my tenants paid their rentals late 1 no money 1 over spent 1 paid school fees 1 she experienced a huge loss in her business 1 the money I got from the salary was paid for school fees 1 1 the money took long to mature 1 the money was not enough 1 the network was bad buy time l wanted to xapit 1 the owner of the money told me not to pay 1 was not around 1 wasn't around 2 we both were away 1 5.9.1. Have you ever applied for a loan from any of the following? (Bank) 8479 92 1 Yes 386 2 No 8093 Sysmiss 92 5.9.1. Have you ever applied for a loan from any of the following? (Microfinance 8479 92 1 Yes 196 2 No 8283 Sysmiss 92 5.9.1. Have you ever applied for a loan from any of the following? (Microfinance institution such as Finca or Pride) 5.9.1. Have you ever applied for a loan from any of the following? (Microlender 8479 92 1 Yes 169 2 No 8310 Sysmiss 92 5.9.1. Have you ever applied for a loan from any of the following? (Microlender like Blue or Bayport) 5.9.1. Have you ever applied for a loan from any of the following? (Savings and 8479 92 1 Yes 57 2 No 8422 Sysmiss 92 5.9.1. Have you ever applied for a loan from any of the following? (Savings and credit cooperative (SACCO)) 5.9.2. Have you been refused a loan by ..... ? (Bank) 386 8185 1 Yes 102 2 No 284 Sysmiss 8185 5.9.2. Have you been refused a loan by ..... ? (Microfinance institution such as 196 8375 1 Yes 43 2 No 153 Sysmiss 8375 5.9.2. Have you been refused a loan by ..... ? (Microfinance institution such as Finca or Pride) 5.9.2. Have you been refused a loan by ..... ? (Microlender like Blue or Bayport 169 8402 1 Yes 25 2 No 144 Sysmiss 8402 5.9.2. Have you been refused a loan by ..... ? (Microlender like Blue or Bayport) 5.9.2. Have you been refused a loan by ..... ? (Savings and credit cooperative ( 57 8514 1 Yes 9 2 No 48 Sysmiss 8514 5.9.2. Have you been refused a loan by ..... ? (Savings and credit cooperative (SACCO)) 5.9.3. What was the main reason given for the refusal? (Bank) 102 8469 1 Did not have a down payment 3 2 Did not have the right documentation 2 3 No security/collateral 16 4 Income too low 12 5 Too much debt 7 6 No credit history 3 7 Other, specify 45 8 Don't know 14 Sysmiss 8469 5.9.3. What was the main reason given for the refusal? (Microfinance institution 43 8528 1 Did not have a down payment 3 2 Did not have the right documentation 4 3 No security/collateral 6 4 Income too low 3 5 Too much debt 1 6 No credit history 1 7 Other, specify 17 8 Don't know 8 Sysmiss 8528 5.9.3. What was the main reason given for the refusal? (Microfinance institution such as Finca or Pride) 5.9.3. What was the main reason given for the refusal? (Microlender like Blue or 25 8546 1 Did not have a down payment 0 2 Did not have the right documentation 6 3 No security/collateral 2 4 Income too low 3 5 Too much debt 3 6 No credit history 0 7 Other, specify 9 8 Don't know 2 Sysmiss 8546 5.9.3. What was the main reason given for the refusal? (Microlender like Blue or Bayport) 5.9.3. What was the main reason given for the refusal? (Savings and credit coope 9 8562 1 Did not have a down payment 0 2 Did not have the right documentation 1 3 No security/collateral 0 4 Income too low 1 5 Too much debt 0 6 No credit history 0 7 Other, specify 5 8 Don't know 2 Sysmiss 8562 5.9.3. What was the main reason given for the refusal? (Savings and credit cooperative (SACCO)) 5.9.3.O. Specify other main reason for the following (Bank) 45 .net pay was bad 1 Because the retirement age of my husband is due 1 I did not have enough money or property for them to get incase I failed to pay back the loan 1 I had an account with another bank but I wanted a loan from another bank but I was refused because I did not have an account with them 1 I had not with the bank 1 I wanted more cash than I earn 1 I was told the loans given where for business people 1 Need approval form from employer 1 She was told the bank doesn't give loans to people who want to run a chicken run at a residential place 1 The Bank had internal issues and so they had stopped issuing loans 1 The channel was very long 1 The. amount I wanted to borrow was to high 1 They had stopped giving loans 1 They never got back to me, I never. got a response. after applying 1 They said that by that time, they not processing loans 1 We're supposed To be in a group of 6 but was alone 1 already had a loan with a bank 1 applied for more than expected 1 because she had already gotten a loan from another bank 1 change of pay point. 1 change pay point 1 could only offer loans to those that accounts with the same bank 1 had been paying back a loan from bayport so the bank did not what people who owed money to other lending institutions 1 had credit history. 1 i was ob probation at work 1 just did not respond after doing up an application 1 not saving with that bank 1 nothing 1 other loan was running 1 remained with very few months before stopped the work 1 required me to open account with them 1 required me to open an account 1 she is old. Banks don't give loans to old age. 1 the bank had issued a lot of loans by then 1 the do not give loans to civil servants 1 the government said that they are giving out the loans in phases 1 the group needed too much money and the bank didn't have enough 1 there was not much money to give me. I wanted to buy 6 cows 1 there was still a pending balance 1 they did not get back 1 1 two loans were appearing at once 1 wanted to get for third tome 1 was given the loan not refused 1 was told they had not started giving loans in my area 1 5.9.3.O. Specify other main reason for the following (Microfinance institution s 17 I didn't get a response as to why my application was refused 1 I was told I can only apply for a loan when we went there as group e.g Company or a number of people 1 I was told to apply for loan unless I went there as a group 1 Terms and conditions were not favourable 1 The people he was to get the loan with were called crooks 1 The process took long. so i changed my mind 1 They were told their papers got lost so couldn't give them the money and also that they couldn't reapply because there was no money 1 because we were in a group I think the people who heading the group were not serious 1 conditionality of the loans were too much 1 family member had commitment with them 1 the money I wanted was beyond my level 1 the money I wanted was more than what they where offering 1 the procedure was too long and I got fade up. waited for two months before I could get the money. 1 they did not get back to me after I applied 1 they don't allow individuals unless the group 1 they don't give money to self employ 1 they. just asked me to wait and in the corse I just gave up 1 5.9.3.O. Specify other main reason for the following (Microfinance institution such as Finca or Pride) 5.9.3.O. Specify other main reason for the following (Microlender like Blue or B 9 They were told to come up with a huge sum of money to do up a certificate so they had nowhere to find that kind of money and so they we're not given the loan 1 because I was about to retire. but the past years I used to get loans without facing any challenges 1 i was given the loan 1 it was beyond the percentage which was allowed to borrow 1 retirement age of my husband is due 1 the company instructed them not to give out the loan 1 they only give civil sevent 1 they wanted surety and they wanted us to be in groups 1 wanted to get more than what was offered 1 5.9.3.O. Specify other main reason for the following (Microlender like Blue or Bayport) 5.9.3.O. Specify other main reason for the following (Savings and credit coopera 5 0 No response 1 did not meet their requirements 1 late repayments 1 the group was not in collaboration 1 was Given the loan not refused 1 5.9.3.O. Specify other main reason for the following (Savings and credit cooperative (SACCO)) 1491 7080 1 Items such as food, sugar, flour, cooking ingredients 490 2 Clothing 377 3 Personal services (hair care, massages, etc.) 44 4 Farming inputs 40 5 Farming produce such as vegetables, maize, beans 13 6 Farming equipment/fishing equipment 15 7 Ploughing/harvesting services 6 8 Stock for business 23 9 Bicycle/motorcycle/car 17 10 Appliances such as a fridge, stove, furniture 125 11 Building materials such as cement, tiles, bricks 18 12 Transport services e.g. taxi 4 13 Motor vehicle repair/servicing 4 14 Something not specified here, specify 315 Sysmiss 7080 88 8483 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 35 3 Personal services (hair care, massages, etc.) 11 4 Farming inputs 4 5 Farming produce such as vegetables, maize, beans 1 6 Farming equipment/fishing equipment 1 7 Ploughing/harvesting services 0 8 Stock for business 3 9 Bicycle/motorcycle/car 2 10 Appliances such as a fridge, stove, furniture 5 11 Building materials such as cement, tiles, bricks 2 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 1 14 Something not specified here, specify 23 Sysmiss 8483 7 8564 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 2 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 1 7 Ploughing/harvesting services 0 8 Stock for business 1 9 Bicycle/motorcycle/car 1 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 2 Sysmiss 8564 2 8569 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 2 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8569 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 0 8571 1 Items such as food, sugar, flour, cooking ingredients 0 2 Clothing 0 3 Personal services (hair care, massages, etc.) 0 4 Farming inputs 0 5 Farming produce such as vegetables, maize, beans 0 6 Farming equipment/fishing equipment 0 7 Ploughing/harvesting services 0 8 Stock for business 0 9 Bicycle/motorcycle/car 0 10 Appliances such as a fridge, stove, furniture 0 11 Building materials such as cement, tiles, bricks 0 12 Transport services e.g. taxi 0 13 Motor vehicle repair/servicing 0 14 Something not specified here, specify 0 Sysmiss 8571 340 0 A Carpet 1 A basin for washing clothes 1 A big dish 1 A dish 1 A sofa set 1 African Broom 1 Airtime 1 Alcohol 1 Batteries 1 Battery 1 Bed cover 1 Beddings 1 Blancket 1 Blanket 2 Books and Shoes and uniforms 1 Bought floor polish for the house 1 Carpet . 1 Chemicals for the business 1 Chitenge materials 1 Cooking material 1 Cooking utensils 2 Cups. 1 Curtains 1 DID NOT BORROW. 1 DID NOT BUY GOODS ON CREDIT 1 Dish to use for storing water 1 Dishes and plates 1 Dishes to pack plates 1 Duvet blanket 1 Electrical wheel chair 1 Fertilizer 1 Floor mat 1 Flour polishing (cobra) 1 Fuel 1 Fuel for the car 1 Furniture 1 Goats. 1 Got nothing in advance 1 Got some meat 1 HE DID NOT GET THINGS ON CREDIT 1 Hand Basin 1 He did not get any goods in advance but this question has come up 1 He didn't get anything. 1 Household goods e.g. pots 1 Household goods like pots,plates and dishes 1 I did not get any goods 1 I got money 1 I got plets 1 I got pots 1 Kitchen Dishes 1 Kitchen utensils 3 Laptop 1 Lotion 1 Mattress 1 Mealiemeal 1 Medical Services 1 Medical services 1 Money 1 Music studio hybrid speakers 1 Plates 2 Plates and basins. 1 Plates and dishes 1 Plates and washing dishes 1 Plates,Cups. 1 Pots 1 Pots and plates 1 Radio 2 Respondent got a bed on loan 1 Shoes 1 Soap And Lotion 1 T.V 1 TV 1 Tablet 1 Television 1 Tv 1 Washin Dishes and plates 1 Washing paste. 1 a bucket 1 a dish. 1 a mat 2 a red mat 1 a tool used for shaping and smoothing wood 1 a washing dish 1 air time 1 basin 1 basins 1 bathing and washing dishes 1 bathing tab. 1 bathing tube 1 batteries 1 battery 2 bed 2 bed cover 1 bed, kitchen unit 1 beddings 2 bedings 1 bedsheets 1 blanket 2 blankets 4 blankets only 1 books 1 books and pencils 1 books and pens 1 books for my brothers 1 books for school 1 bought a tyre for the bycicle 1 bucket 2 bucket for storing water 1 building material such as roofing sheets 1 business inputes 1 buttery 1 buy food 1 buying shares in the company. Ken movies 1 car tyres 1 carpet 6 chairs 1 chairs. 1 charcoal 1 chickens 1 cigarette 1 collection of my money from my customers 1 computer 2 cooking pot 1 cosmetic 1 cosmetics 1 couch 1 cups 1 curtain 1 curtains 14 did not get any goods or start any services 1 didn't go there 1 dish 2 dish for washing hands 1 dish we use to wash 1 dishes 3 don't. borrow from anywhere 1 door mats 1 drum 1 duvet 1 education 1 electrical wire 1 food 1 fruit stand 1 generator 1 glass cups 1 goats 1 got a bucket also on credit 1 got a dish to use to bath in 1 got lotion, soap on credit 1 got plates. 1 got pots. 1 groceries 1 has forgotten 1 he buys sofas 1 he got meat 1 house materials for building like grass and poles 1 household things 1 i had gotern a dish for my wife 1 inverter 1 iron bars 1 irrelevant question 1 kitchen intensils 2 kitchen pots 2 kitchen utensils 4 kitchen ware 2 laptop 1 livestock 1 lotion, soap 1 m 1 matress 2 mattress 1 mattress. 1 meal mill 1 medical purposes 1 mirror and curtains 1 mobile phone 3 money 3 never borowed 1 never got any goods on credit 1 nothing 2 nursing textbook 1 pants for her children 1 paper 1 perfume 1 phone 4 planks 1 plasma TV 1 plastic bucket 1 plates 9 1 plates and slippers 1 plates for household use 1 plates. 1 pots 11 pots and other things. 1 pots and plates 2 pots, 1 puma blanket 1 radio 3 radio and tv 1 rat trap 1 rentals 1 rice 1 school books 1 school exercise books and bags 1 school items like bags and uniforms 1 school shoes for the children 1 shaving machine for barbershop 1 she did not 1 she did not get a loan 1 she did not get any goods in the past 12months 1 she got a bucket 1 shoes 7 shoes, other clothes 1 shoes. 1 slippers (shoes) 1 soap 7 soap and lotion 1 soap and lotion. 1 sofa 1 solar 1 solar panel 1 speakers 1 stationary school equipment. 1 stock Grocerie shop 1 stove 2 t.v. 2 t.v. radio 1 t.v. unit 1 table and tv's stand 1 table clothes. 1 text books 1 the people who built har house. 1 to take my younger sister to school 1 trey. 1 tv 2 tv and matres 1 vehicle 1 wardrobe 1 warmers 1 wash basins 4 washing dish 2 washing paste 1 washing tab 1 water dispenser 1 window curtains 1 wiring of the house 1 workshop materials 1 5.10.b. What was this mostly used for? (Items such as food, sugar, flour, cookin 490 8081 1 Personal/household use 462 2 To do business/make money 24 3 Farming/fishing 0 4 Other 4 Sysmiss 8081 5.10.b. What was this mostly used for? (Items such as food, sugar, flour, cooking ingredients) 5.10.b. What was this mostly used for? (Clothing) 412 8159 1 Personal/household use 392 2 To do business/make money 6 3 Farming/fishing 0 4 Other 14 Sysmiss 8159 5.10.b. What was this mostly used for? (Personal services (hair care, massages, 0 8571 1 Personal/household use 0 2 To do business/make money 0 3 Farming/fishing 0 4 Other 0 Sysmiss 8571 5.10.b. What was this mostly used for? (Personal services (hair care, massages, etc.)) 5.10.b. What was this mostly used for? (Farming inputs) 0 8571 1 Personal/household use 0 2 To do business/make money 0 3 Farming/fishing 0 4 Other 0 Sysmiss 8571 5.10.b. What was this mostly used for? (Farming produce such as vegetables, maiz 0 8571 1 Personal/household use 0 2 To do business/make money 0 3 Farming/fishing 0 4 Other 0 Sysmiss 8571 5.10.b. What was this mostly used for? (Farming produce such as vegetables, maize, beans) 5.10.b. What was this mostly used for? (Farming equipment/fishing equipment) 0 8571 1 Personal/household use 0 2 To do business/make money 0 3 Farming/fishing 0 4 Other 0 Sysmiss 8571 5.10.b. What was this mostly used for? (Ploughing/harvesting services) 0 8571 1 Personal/household use 0 2 To do business/make money 0 3 Farming/fishing 0 4 Other 0 Sysmiss 8571 5.10.b. What was this mostly used for? (Stock for business) 0 8571 1 Personal/household use 0 2 To do business/make money 0 3 Farming/fishing 0 4 Other 0 Sysmiss 8571 5.10.b. What was this mostly used for? (Bicycle/motorcycle/car) 20 8551 1 Personal/household use 15 2 To do business/make money 5 3 Farming/fishing 0 4 Other 0 Sysmiss 8551 5.10.b. What was this mostly used for? (Appliances such as a fridge, stove, furn 130 8441 1 Personal/household use 124 2 To do business/make money 6 3 Farming/fishing 0 4 Other 0 Sysmiss 8441 5.10.b. What was this mostly used for? (Appliances such as a fridge, stove, furniture) 5.10.b. What was this mostly used for? (Building materials such as cement, tiles 20 8551 1 Personal/household use 15 2 To do business/make money 3 3 Farming/fishing 0 4 Other 2 Sysmiss 8551 5.10.b. What was this mostly used for? (Building materials such as cement, tiles, bricks) 5.10.b. What was this mostly used for? (Transport services e.g. taxi) 4 8567 1 Personal/household use 4 2 To do business/make money 0 3 Farming/fishing 0 4 Other 0 Sysmiss 8567 5.10.b. What was this mostly used for? (Motor vehicle repair/servicing) 5 8566 1 Personal/household use 4 2 To do business/make money 1 3 Farming/fishing 0 4 Other 0 Sysmiss 8566 5.10.b. What was this mostly used for? (Other) 340 8231 1 Personal/household use 276 2 To do business/make money 30 3 Farming/fishing 2 4 Other 32 Sysmiss 8231 5.10.c. Which of the following describes how you paid for .....? (Items such as 490 8081 1 You got ... and then paid in instalments 197 2 You got ... and then paid the full amount later 271 3 You got ... and used it to generate money sold it and paid bac 4 4 You paid back in kind 18 Sysmiss 8081 5.10.c. Which of the following describes how you paid for .....? (Items such as food, sugar, flour, cooking ingredients) 5.10.c. Which of the following describes how you paid for .....? (Clothing) 412 8159 1 You got ... and then paid in instalments 279 2 You got ... and then paid the full amount later 128 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 5 Sysmiss 8159 5.10.c. Which of the following describes how you paid for .....? (Personal servi 55 8516 1 You got ... and then paid in instalments 33 2 You got ... and then paid the full amount later 21 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 1 Sysmiss 8516 5.10.c. Which of the following describes how you paid for .....? (Personal services (hair care, massages, etc.)) 5.10.c. Which of the following describes how you paid for .....? (Farming inputs 46 8525 1 You got ... and then paid in instalments 18 2 You got ... and then paid the full amount later 24 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 4 Sysmiss 8525 5.10.c. Which of the following describes how you paid for .....? (Farming inputs) 5.10.c. Which of the following describes how you paid for .....? (Farming produc 16 8555 1 You got ... and then paid in instalments 5 2 You got ... and then paid the full amount later 9 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 2 Sysmiss 8555 5.10.c. Which of the following describes how you paid for .....? (Farming produce such as vegetables, maize, beans) 5.10.c. Which of the following describes how you paid for .....? (Farming equipm 17 8554 1 You got ... and then paid in instalments 13 2 You got ... and then paid the full amount later 4 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 0 Sysmiss 8554 5.10.c. Which of the following describes how you paid for .....? (Farming equipment/fishing equipment) 5.10.c. Which of the following describes how you paid for .....? (Ploughing/harv 6 8565 1 You got ... and then paid in instalments 2 2 You got ... and then paid the full amount later 3 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 1 Sysmiss 8565 5.10.c. Which of the following describes how you paid for .....? (Ploughing/harvesting services) 5.10.c. Which of the following describes how you paid for .....? (Stock for busi 27 8544 1 You got ... and then paid in instalments 12 2 You got ... and then paid the full amount later 11 3 You got ... and used it to generate money sold it and paid bac 2 4 You paid back in kind 2 Sysmiss 8544 5.10.c. Which of the following describes how you paid for .....? (Stock for business) 5.10.c. Which of the following describes how you paid for .....? (Bicycle/motorc 20 8551 1 You got ... and then paid in instalments 17 2 You got ... and then paid the full amount later 3 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 0 Sysmiss 8551 5.10.c. Which of the following describes how you paid for .....? (Bicycle/motorcycle/car) 5.10.c. Which of the following describes how you paid for .....? (Appliances suc 130 8441 1 You got ... and then paid in instalments 113 2 You got ... and then paid the full amount later 17 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 0 Sysmiss 8441 5.10.c. Which of the following describes how you paid for .....? (Appliances such as a fridge, stove, furniture) 5.10.c. Which of the following describes how you paid for .....? (Building mater 20 8551 1 You got ... and then paid in instalments 14 2 You got ... and then paid the full amount later 6 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 0 Sysmiss 8551 5.10.c. Which of the following describes how you paid for .....? (Building materials such as cement, tiles, bricks) 5.10.c. Which of the following describes how you paid for .....? (Transport serv 4 8567 1 You got ... and then paid in instalments 1 2 You got ... and then paid the full amount later 3 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 0 Sysmiss 8567 5.10.c. Which of the following describes how you paid for .....? (Transport services e.g. taxi) 5.10.c. Which of the following describes how you paid for .....? (Motor vehicle 5 8566 1 You got ... and then paid in instalments 2 2 You got ... and then paid the full amount later 3 3 You got ... and used it to generate money sold it and paid bac 0 4 You paid back in kind 0 Sysmiss 8566 5.10.c. Which of the following describes how you paid for .....? (Motor vehicle repair/servicing) 5.10.c. Which of the following describes how you paid for .....? ({0}) 340 8231 1 You got ... and then paid in instalments 205 2 You got ... and then paid the full amount later 113 3 You got ... and used it to generate money sold it and paid bac 2 4 You paid back in kind 20 Sysmiss 8231 6.1.1. Have you ever heard about insurance? 8479 92 1 Yes 1224 2 No 7255 Sysmiss 92 6.1.2. Do you have insurance cover? 8479 92 1 Yes 243 2 No 8236 Sysmiss 92 6.2. Insurance is a way of saving) 1224 7347 1 Agree 848 2 Disagree 180 3 Don't know 196 Sysmiss 7347 6.2. Insurance is expensive and unaffordable for the majority of people 1224 7347 1 Agree 554 2 Disagree 408 3 Don't know 262 Sysmiss 7347 1224 7347 1 Agree 871 2 Disagree 158 3 Don't know 195 Sysmiss 7347 6.2. You understand how insurance works 1224 7347 1 Agree 724 2 Disagree 296 3 Don't know 204 Sysmiss 7347 6.2. You trust insurance companies to pay out when something does go wrong 1224 7347 1 Agree 742 2 Disagree 235 3 Don't know 247 Sysmiss 7347 6.2. Insurance is for people with more money and valuable assets 1224 7347 1 Agree 408 2 Disagree 618 3 Don't know 198 Sysmiss 7347 6.2. Insurance is for everyone and you are aware of products that can be accesse 1224 7347 1 Agree 730 2 Disagree 253 3 Don't know 241 Sysmiss 7347 6.2. Insurance is for everyone and you are aware of products that can be accessed by everyone 6.3.1. Insurance products 243 8328 1 Motor vehicle insurance 92 2 Travel insurance 2 3 Domestic/household Insurance 3 4 Funeral insurance 53 5 All risks insurance 2 6 Medical insurance 10 7 Health cover 6 8 Agricultural insurance 1 9 Life assurance 47 10 Personal injury/accident Insurance 1 11 Property insurance 3 12 Money insurance 4 13 Insurance that covers a loan/Credit life insurance 2 14 Any other insurance product not mentioned here 17 Sysmiss 8328 6.3.1. Insurance products 104 8467 1 Motor vehicle insurance 0 2 Travel insurance 12 3 Domestic/household Insurance 3 4 Funeral insurance 18 5 All risks insurance 3 6 Medical insurance 24 7 Health cover 7 8 Agricultural insurance 1 9 Life assurance 19 10 Personal injury/accident Insurance 1 11 Property insurance 0 12 Money insurance 4 13 Insurance that covers a loan/Credit life insurance 5 14 Any other insurance product not mentioned here 7 Sysmiss 8467 6.3.1. Insurance products 52 8519 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 5 4 Funeral insurance 5 5 All risks insurance 0 6 Medical insurance 13 7 Health cover 8 8 Agricultural insurance 1 9 Life assurance 7 10 Personal injury/accident Insurance 5 11 Property insurance 1 12 Money insurance 0 13 Insurance that covers a loan/Credit life insurance 5 14 Any other insurance product not mentioned here 2 Sysmiss 8519 6.3.1. Insurance products 31 8540 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 3 5 All risks insurance 1 6 Medical insurance 5 7 Health cover 6 8 Agricultural insurance 0 9 Life assurance 9 10 Personal injury/accident Insurance 1 11 Property insurance 2 12 Money insurance 1 13 Insurance that covers a loan/Credit life insurance 2 14 Any other insurance product not mentioned here 1 Sysmiss 8540 6.3.1. Insurance products 23 8548 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 1 6 Medical insurance 2 7 Health cover 4 8 Agricultural insurance 0 9 Life assurance 4 10 Personal injury/accident Insurance 1 11 Property insurance 4 12 Money insurance 1 13 Insurance that covers a loan/Credit life insurance 5 14 Any other insurance product not mentioned here 1 Sysmiss 8548 6.3.1. Insurance products 12 8559 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical insurance 1 7 Health cover 2 8 Agricultural insurance 1 9 Life assurance 3 10 Personal injury/accident Insurance 1 11 Property insurance 1 12 Money insurance 1 13 Insurance that covers a loan/Credit life insurance 2 14 Any other insurance product not mentioned here 0 Sysmiss 8559 6.3.1. Insurance products 8 8563 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical insurance 0 7 Health cover 1 8 Agricultural insurance 0 9 Life assurance 1 10 Personal injury/accident Insurance 3 11 Property insurance 1 12 Money insurance 2 13 Insurance that covers a loan/Credit life insurance 0 14 Any other insurance product not mentioned here 0 Sysmiss 8563 6.3.1. Insurance products 7 8564 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical insurance 0 7 Health cover 0 8 Agricultural insurance 0 9 Life assurance 1 10 Personal injury/accident Insurance 0 11 Property insurance 2 12 Money insurance 1 13 Insurance that covers a loan/Credit life insurance 2 14 Any other insurance product not mentioned here 1 Sysmiss 8564 6.3.1. Insurance products 4 8567 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical insurance 0 7 Health cover 0 8 Agricultural insurance 0 9 Life assurance 0 10 Personal injury/accident Insurance 1 11 Property insurance 0 12 Money insurance 0 13 Insurance that covers a loan/Credit life insurance 2 14 Any other insurance product not mentioned here 1 Sysmiss 8567 6.3.1. Insurance products 1 8570 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical insurance 0 7 Health cover 0 8 Agricultural insurance 0 9 Life assurance 0 10 Personal injury/accident Insurance 0 11 Property insurance 1 12 Money insurance 0 13 Insurance that covers a loan/Credit life insurance 0 14 Any other insurance product not mentioned here 0 Sysmiss 8570 6.3.1. Insurance products 0 8571 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical insurance 0 7 Health cover 0 8 Agricultural insurance 0 9 Life assurance 0 10 Personal injury/accident Insurance 0 11 Property insurance 0 12 Money insurance 0 13 Insurance that covers a loan/Credit life insurance 0 14 Any other insurance product not mentioned here 0 Sysmiss 8571 6.3.1. Insurance products 0 8571 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical insurance 0 7 Health cover 0 8 Agricultural insurance 0 9 Life assurance 0 10 Personal injury/accident Insurance 0 11 Property insurance 0 12 Money insurance 0 13 Insurance that covers a loan/Credit life insurance 0 14 Any other insurance product not mentioned here 0 Sysmiss 8571 6.3.1. Insurance products 0 8571 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical insurance 0 7 Health cover 0 8 Agricultural insurance 0 9 Life assurance 0 10 Personal injury/accident Insurance 0 11 Property insurance 0 12 Money insurance 0 13 Insurance that covers a loan/Credit life insurance 0 14 Any other insurance product not mentioned here 0 Sysmiss 8571 6.3.1. Insurance products 14 8557 1 Motor vehicle insurance 1 2 Travel insurance 0 3 Domestic/household Insurance 1 4 Funeral insurance 0 5 All risks insurance 0 6 Medical insurance 0 7 Health cover 0 8 Agricultural insurance 0 9 Life assurance 0 10 Personal injury/accident Insurance 0 11 Property insurance 0 12 Money insurance 0 13 Insurance that covers a loan/Credit life insurance 0 14 Any other insurance product not mentioned here 0 15 12 Sysmiss 8557 6.3.1. Insurance products [Other (specify)] 29 0 Child insurance 1 Dream Builder Plan. 1 Education Insurance 1 Education policy 1 Education policy for my children 1 Insurance cover for furniture 1 Loan Cover insurance 1 Respondent doesn't know what cover she has under her husband 1 School fees 1 Swift Save 1 Switf save 1 building insurance 1 civil insurance 1 classic investment and education policy 1 education insurance 3 education insurance policy 1 legal representation. insurance 1 madson insurance 1 motorcycle 1 package for family just in case you die the insurance company ill give money to children 1 saving insurance 1 school insurance 2 swift save 1 swift save insurance 1 third party insurance 1 zesic cat money her salary from children so when they grow up. that when they start using 1 6.3.2. Is this in your name or are you covered by someone else's insurance? (Mot 92 8479 1 Own insurance 65 2 Someone else's insurance 27 Sysmiss 8479 6.3.2. Is this in your name or are you covered by someone else's insurance? (Motor vehicle insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Tra 14 8557 1 Own insurance 11 2 Someone else's insurance 3 Sysmiss 8557 6.3.2. Is this in your name or are you covered by someone else's insurance? (Travel insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Dom 11 8560 1 Own insurance 9 2 Someone else's insurance 2 Sysmiss 8560 6.3.2. Is this in your name or are you covered by someone else's insurance? (Domestic/household Insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Fun 79 8492 1 Own insurance 66 2 Someone else's insurance 13 Sysmiss 8492 6.3.2. Is this in your name or are you covered by someone else's insurance? (Funeral insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (All 7 8564 1 Own insurance 4 2 Someone else's insurance 3 Sysmiss 8564 6.3.2. Is this in your name or are you covered by someone else's insurance? (All risks insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Med 55 8516 1 Own insurance 42 2 Someone else's insurance 13 Sysmiss 8516 6.3.2. Is this in your name or are you covered by someone else's insurance? (Medical insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Hea 34 8537 1 Own insurance 26 2 Someone else's insurance 8 Sysmiss 8537 6.3.2. Is this in your name or are you covered by someone else's insurance? (Health cover) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Agr 4 8567 1 Own insurance 2 2 Someone else's insurance 2 Sysmiss 8567 6.3.2. Is this in your name or are you covered by someone else's insurance? (Agricultural insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Lif 91 8480 1 Own insurance 73 2 Someone else's insurance 18 Sysmiss 8480 6.3.2. Is this in your name or are you covered by someone else's insurance? (Life assurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Per 14 8557 1 Own insurance 9 2 Someone else's insurance 5 Sysmiss 8557 6.3.2. Is this in your name or are you covered by someone else's insurance? (Personal injury/accident Insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Pro 15 8556 1 Own insurance 13 2 Someone else's insurance 2 Sysmiss 8556 6.3.2. Is this in your name or are you covered by someone else's insurance? (Property insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Mon 14 8557 1 Own insurance 13 2 Someone else's insurance 1 Sysmiss 8557 6.3.2. Is this in your name or are you covered by someone else's insurance? (Money insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Ins 25 8546 1 Own insurance 21 2 Someone else's insurance 4 Sysmiss 8546 6.3.2. Is this in your name or are you covered by someone else's insurance? (Insurance that covers a loan/Credit life insurance) 6.3.2. Is this in your name or are you covered by someone else's insurance? (Oth 30 8541 1 Own insurance 19 2 Someone else's insurance 11 Sysmiss 8541 6.3.2. Is this in your name or are you covered by someone else's insurance? (Other) 6.3.3. How did you get this insurance? (Motor vehicle insurance) 92 8479 1 Insurance broker/agent 67 2 Mobile phone 1 3 Bank 4 4 Employer 8 5 Input suppler 1 6 Other specify 11 Sysmiss 8479 6.3.3. How did you get this insurance? (Travel insurance) 14 8557 1 Insurance broker/agent 6 2 Mobile phone 1 3 Bank 0 4 Employer 6 5 Input suppler 0 6 Other specify 1 Sysmiss 8557 6.3.3. How did you get this insurance? (Domestic/household Insurance) 11 8560 1 Insurance broker/agent 7 2 Mobile phone 1 3 Bank 0 4 Employer 1 5 Input suppler 0 6 Other specify 2 Sysmiss 8560 6.3.3. How did you get this insurance? (Funeral insurance) 79 8492 1 Insurance broker/agent 51 2 Mobile phone 2 3 Bank 5 4 Employer 13 5 Input suppler 0 6 Other specify 8 Sysmiss 8492 6.3.3. How did you get this insurance? (All risks insurance) 7 8564 1 Insurance broker/agent 4 2 Mobile phone 0 3 Bank 1 4 Employer 1 5 Input suppler 0 6 Other specify 1 Sysmiss 8564 6.3.3. How did you get this insurance? (Medical insurance) 55 8516 1 Insurance broker/agent 23 2 Mobile phone 1 3 Bank 1 4 Employer 20 5 Input suppler 1 6 Other specify 9 Sysmiss 8516 6.3.3. How did you get this insurance? (Health cover) 34 8537 1 Insurance broker/agent 13 2 Mobile phone 1 3 Bank 1 4 Employer 13 5 Input suppler 1 6 Other specify 5 Sysmiss 8537 6.3.3. How did you get this insurance? (Agricultural insurance) 4 8567 1 Insurance broker/agent 3 2 Mobile phone 0 3 Bank 0 4 Employer 0 5 Input suppler 1 6 Other specify 0 Sysmiss 8567 6.3.3. How did you get this insurance? (Life assurance) 91 8480 1 Insurance broker/agent 63 2 Mobile phone 5 3 Bank 4 4 Employer 14 5 Input suppler 1 6 Other specify 4 Sysmiss 8480 6.3.3. How did you get this insurance? (Personal injury/accident Insurance) 14 8557 1 Insurance broker/agent 2 2 Mobile phone 0 3 Bank 1 4 Employer 10 5 Input suppler 0 6 Other specify 1 Sysmiss 8557 6.3.3. How did you get this insurance? (Property insurance) 15 8556 1 Insurance broker/agent 8 2 Mobile phone 0 3 Bank 3 4 Employer 2 5 Input suppler 0 6 Other specify 2 Sysmiss 8556 6.3.3. How did you get this insurance? (Money insurance) 14 8557 1 Insurance broker/agent 9 2 Mobile phone 0 3 Bank 3 4 Employer 1 5 Input suppler 0 6 Other specify 1 Sysmiss 8557 6.3.3. How did you get this insurance? (Insurance that covers a loan/Credit life 25 8546 1 Insurance broker/agent 6 2 Mobile phone 0 3 Bank 12 4 Employer 2 5 Input suppler 1 6 Other specify 4 Sysmiss 8546 6.3.3. How did you get this insurance? (Insurance that covers a loan/Credit life insurance) 6.3.3. How did you get this insurance? (Other) 30 8541 1 Insurance broker/agent 19 2 Mobile phone 0 3 Bank 0 4 Employer 3 5 Input suppler 0 6 Other specify 8 Sysmiss 8541 6.3.3.O. Specify other ways you got the following... (Motor vehicle insurance) 11 0 From the salary the time he was working 1 My husband got it for me. 1 The person that got the car is the one paying for the motor vehicle insurance 1 am husband does that 1 doesn't know 1 from husband respondent not sure 1 just went to the insurance and insured the vehicle 1 personal line 1 post office 1 she does not know 1 1 6.3.3.O. Specify other ways you got the following... (Travel insurance) 1 0 personal line 1 6.3.3.O. Specify other ways you got the following... (Domestic/household Insuran 2 0 from husband respondent not sure 1 personal line 1 6.3.3.O. Specify other ways you got the following... (Domestic/household Insurance) 6.3.3.O. Specify other ways you got the following... (Funeral insurance) 8 0 From finca 1 I got it through my employer. 1 don't know 1 i dont know how my husband got it 1 i just pay the premium 1 personal line 1 the company were am working 1 they followed us at work 1 6.3.3.O. Specify other ways you got the following... (All risks insurance) 1 0 personal line 1 6.3.3.O. Specify other ways you got the following... (Medical insurance) 9 0 I got it through my employer. 1 advised by friend to register with Saka health center 1 am husband 1 doesn't know 1 from my working place 1 herself 1 hospital 1 registration 1 went there on my own 1 6.3.3.O. Specify other ways you got the following... (Health cover) 5 0 doesn't know 1 from working place 1 my parents 1 the company were am working 1 through registration 1 6.3.3.O. Specify other ways you got the following... (Agricultural insurance) 0 0 6.3.3.O. Specify other ways you got the following... (Life assurance) 4 0 Through FINCA 1 don't know 1 through finca 1 through registration 1 6.3.3.O. Specify other ways you got the following... (Personal injury/accident I 1 0 doesn't know 1 6.3.3.O. Specify other ways you got the following... (Personal injury/accident Insurance) 6.3.3.O. Specify other ways you got the following... (Property insurance) 2 0 insured by store 1 personal line 1 6.3.3.O. Specify other ways you got the following... (Money insurance) 1 0 From Finca. when I was getting a loan. 1 6.3.3.O. Specify other ways you got the following... (Insurance that covers a lo 4 0 It was part of the repayment for the loan 1 Through Bayport. 1 bank,money lender 1 i just pay the premium 1 6.3.3.O. Specify other ways you got the following... (Insurance that covers a loan/Credit life insurance) 6.3.3.O. Specify other ways you got the following... (Other) 8 0 Got it from Finca when I was getting the loan. 1 I dont have insurance 1 Meanwood insurance 1 Through furniture shop by Madison 1 Zambia state insurance 1 madson insurance company 1 the government 1 they came to my work place 1 6.4. Main reason for having insurance 243 8328 1 Cannot afford to lose the thing that is covered 25 2 The cost is low compared to the consequences of loss 9 3 Being insured stops you worrying about losing things 36 4 Have to make provision for my old age 5 5 It is required by law to have it 13 6 It is better to be safe than sorry later 38 7 Have to make provision for when things go wrong 40 8 To cover my loan when something happens to me 3 9 To make sure my family has money to cover expenses in the ev 37 10 Other specify 31 11 Does not know 6 Sysmiss 8328 6.4. Main reason for having insurance (Other, specify) 31 Because I travel. a lot 1 Because the law demands that 1 For eventualities 1 For health 1 In the event of death 1 Incase of death,sickness sometimes you can't rely on the company you are working for that there is guarantee you covered 1 It's automatic for airtel 1 Just saving. 1 To assist me and also it is part of saving 1 agents convinced me 1 am covered by my mother's insurance policies 1 different incidents which may occur 1 for my children's education 1 for saving purpose 1 for saving purposes 1 in case of any emergency 1 it was offered by the store 1 it's a must to have insurance 1 no knowledge about the benefits 1 not to inconvenience other people. 1 requirements by conpany 1 saving and security purposes 1 savings 1 the reason is security 1 to get a loan you need that type of insurance 1 to have peace of mind 1 to help me when i want to build and also to save 1 wanted to use it to build 1 was convinced by agents 1 was given by my employer 1 was just a mandatory for tax 1 6.5. Main reason for not having insurance 8236 335 1 Does not know the benefits of insurance 87 2 Does not know how it works 199 3 Does not know how to get it/where to get it 60 4 Does not trust it or the companies that provide 40 5 Protects self in other ways - don't need it 18 6 Does not want to think about bad things happening 8 7 Cannot afford it 255 8 They don't want to pay out when you claim 28 9 Other specify 286 10 Has never heard of insurance 7255 Sysmiss 335 6.5. Main reason for not having insurance (Other, specify) 286 Am about to get insurance 1 Am not yet ready to use it 1 Cause of the economy. 1 Do not know the reason why I just do not have 1 Doesn't know why she has 1 Doesn't not need it. 1 Don't have anything to insure 1 Don't have assets such houses cars etc 1 Don't have interest in insurance. 1 Don't know 1 Don't know where to find it 1 Feels she doesn't have things to insure 1 Had applied but was not pick applying was not free. 1 Had one but he had some queries with the company and had to stop paying premiums 1 1 Have never thought of it as a serious issue. 1 Haven't really given it a thought 1 He earns little salary 1 He is not owing to any bank or lending institution 1 I already got my insurance money through retirement benefits 1 I am always busy with work and I have no time to go to broker or their offices 1 I am currently unemployed 1 I am not ready to start it. 1 I am still looking at the conditions 1 I am still young 1 I am yet to start 1 I can't afford it 1 I cancelled my insurance policies with zsic because it takes time, I preferred saving with a bank. e 1 I could be expensive 1 I dint want to have extra costs 1 I dnt trust them 1 I do no know 1 I do not want to have insurance 1 I don't feel it's important. 1 I don't get enough money 1 I don't get enough money to justify me getting insurance 1 I don't have a reason 1 I don't have any thing to insure 1 I don't have anything to insure 2 I don't have assets to insure 1 I don't have assets to insure. 1 I don't have big assets 1 I don't have enough money for insurance 1 I don't have interest and knowledge 1 I don't have money 2 I don't have money or anything to ensure 1 I don't have money to contribute 1 I don't have money to pay for insurance 1 I don't have money to pay for their services 1 I don't have money to take there 1 I don't have valuable assets and I am not working. 1 I don't have valuable assets for me to get insured. I believe 1 I don't have what to cover 1 I don't have what to insure 1 I don't just want 1 I don't just want it 1 I don't just want to have insurance. 1 I don't know it 1 I don't like it 1 I don't money 1 I don't need it 1 I don't pay much attention to it 1 I don't want to 1 I don't work 2 I don't work hence I can't get insured 1 I don't work. 1 I don't. no how. it works 1 I dont have anything big to insure 1 I dont work so i cannot have insurance 1 I finished my insurance cover for funeral cover which I had for myself.. I was given a 5 year period of which I complete 1 I had insurance but because am stopping work next year that is the main reason I don't have insurance 1 I had insurance cover before I relocated from Lusaka. 1 I had to get the benefits from these companies 1 I have a scheme for Medical expenses. 1 I have insufficient money 1 I have just heard about it i don't know how it works 1 I have never really thought of having it 1 I have not registered 1 I have not tried it yet 1 I have not tried to yet 1 I have nothing to insure 1 I have other things to accomplish first 1 I just don't want 1 I need more information about it before I ensure myself 1 I was once registered on insurance by my employer without my consent and there were deductions every month so I went and 1 I will have it in future 1 I'm not prepared for it 1 1 Just hasn't thought about it 1 Lack of money 1 Maybe you have nothing to ensure 1 Need someone from insurance company to help me understand... 1 No access 1 No insurance company in Kasempa 1 Not applicable. 1 Not aware 1 Not enough money to justify it 1 Not interested but I know it's good. 1 Not ready 1 Not ready to start 1 Nothing 1 Prior to getting a new job, respondent didn't know benefits of insurance 1 Respondent doesn't see the need of getting insurance as of noe 1 Respondent has never thought about getting insurance 1 Respondent has not bothered finding out about how it works 1 Respondent has nothing valuable to ensure 1 Respondent is not sure of what to insure yet 1 Respondent's current income cannot support it 1 She doesn't really know how it works 1 She has no interest of having insurance 1 She's not ready to have. 1 Their policies are not good 1 There are no insurance companies here in Chikanzaya, 1 Will get later 1 afraid that only the rich can be insured 1 am about to have one 1 am income is too little to add insurance 1 am not yet prepared the join 1 am not yet ready to get it 1 am still too young to get insurance. I don't have valuable assets 1 because I dont know how it works 1 because I got sick 1 because he doesn't have durable assets 1 because i don't work. 1 because i have too much expenditure to cover 1 because they don't have a good job to have insurance 1 becouse I don't work 1 didn't think of it in the first place, am now old so I can't do it. 1 disappointment 1 do not have collateral 1 does nit work 1 does not have enough money to engage myself in the same 1 does not have property to insure against 1 does not understand how insurance works 1 does not want to pay premiums 1 don't 've good conditions 1 don't any valuable asset to insure 1 don't have a car 1 don't have an an asset like a car to insure 1 don't have anything to insure 2 don't have anything valuable to insure 1 don't have assets 1 don't have goods to insure 1 don't have money 4 don't have money to insure things 1 don't have money to save 1 don't have money. 1 don't have what to take for insurance 1 don't know 4 don't know it works 1 don't know more about them. 1 don't know why 1 don't know. 2 don't trust them 1 don't work 1 dont have enough to save with insurance companies 1 dont have source of income 1 have know better reason. 1 have no interest 1 have no reason 1 have not just set myself 1 have not thought of having insurances 1 have nothing to insure 1 have stopped work 1 have vehicle insurance 1 haven't given it a thought 2 he don't have bigger things to ensure 1 i currently don't have assets to insure 1 i don't 've insurance cause I don't 've assets I can insure 1 i dont have a car or a house to insure 1 i dont know much about it and i dont have enough money 1 i dont think the benefits of insurance are good enough 1 i dont work 1 i had a loan to pay and cannot be paying insurance at the same time 1 i have no fixed salary 1 i have not just developed interest 1 i havent reached that stage yet 1 ignorance 1 insurance companies are far 1 insurance companies are not available 1 insurance companies are too far 1 insurance companies are very far 2 insurance is for people who work, the company provides it for you 1 insurance is for people with vehicles 1 it needs a lot of paper work 1 it takes too long for them to pay 1 it's a loss 1 it's expensive 1 it's for people who work 1 it's not yet in his plan 1 it's people with more money 1 its for mature people 1 its very difficult to get ur benefits after the the policy has matured. 1 its very expensive 1 just don't have it 1 just don't want 1 just don't want but knows the benefits 1 just feels lazy for such 1 just find out about 1 just have not bothered 1 just not interested 1 just not yet 1 just reluctant 1 know reason 1 know reasons 2 lack of infromation 2 lack of interest. 1 lack of knowledge 1 location of issurance companies in my area 1 luck of information and not accessible in places 1 maybe i can do it in future 1 maybe it's because I don't have anything to insure for. 1 my husband has 1 my husband who used do insurance covers passed away 1 no benefits for me 1 no interest 4 no interest. 1 no money 1 no reason 3 no valuable assets to insure 1 not having more infromation about 1 not ready cause I don't have a job yet 1 not sure of what to insure yet 1 not yet registered 1 not yet settled to have insurance policy 1 nothing 7 nothing I don't want 1 nothing that he needs to be insured 1 nothing to insure 1 nothing. 1 school boy 1 she doesn't have money 1 sometimes you insure something like a car and you find that your has not been damaged and you lose out because it's non 1 still at school 1 still researching about it 1 the respondent says that money is not enough for him to have insurance 1 the system is not the way people expects it to be 1 the take too long to process the things 1 the time i was working i wanted to do liife insurance but the conditions were bad 1 their policies aren't good 1 there are no insurance companies here 1 there is no specific reason why I don't have insurance 1 there no insurance companies in our area. 1 there no such companies here 1 they are so many dedication with insurance 1 they are too far 1 they don't exist here 1 they is nothing I can insure 1 too young to have insurance cover i don't have an income 1 waiting for business to expand 1 waiting to sort out some problems 1 we Will have later not now 1 we don't have insurance companies here 1 we don't have means to sustain insurance policy 1 we don't have things to insure 1 we don't want 1 we have savings 1 we never thought of that 1 we still planning for it 1 when i had it they did not pay me off when i had a problem so i decided to cut it off. 1 7.1. In the past 12 months, have you sent money to someone in a different place 8479 92 1 Yes 1984 2 No 6495 Sysmiss 92 7.1. In the past 12 months, have you sent money to someone in a different place within the country or outside of Zambia? 7.2.1. Who did you send money to in the past 12 months? 1984 6587 1 Spouse 91 2 Child 320 3 Parent 494 4 Other family member 893 5 Friend 114 6 Business I got goods/services from 14 7 Someone I borrowed money from 0 8 School/university/college 3 9 Other, specify 55 Sysmiss 6587 7.2.1. Who did you send money to in the past 12 months? 154 8417 1 Spouse 0 2 Child 7 3 Parent 19 4 Other family member 82 5 Friend 18 6 Business I got goods/services from 1 7 Someone I borrowed money from 0 8 School/university/college 10 9 Other, specify 17 Sysmiss 8417 7.2.1. Who did you send money to in the past 12 months? 20 8551 1 Spouse 0 2 Child 0 3 Parent 3 4 Other family member 6 5 Friend 4 6 Business I got goods/services from 1 7 Someone I borrowed money from 0 8 School/university/college 0 9 Other, specify 6 Sysmiss 8551 7.2.1. Who did you send money to in the past 12 months? 4 8567 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 1 5 Friend 2 6 Business I got goods/services from 0 7 Someone I borrowed money from 0 8 School/university/college 0 9 Other, specify 1 Sysmiss 8567 7.2.1. Who did you send money to in the past 12 months? 1 8570 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 1 6 Business I got goods/services from 0 7 Someone I borrowed money from 0 8 School/university/college 0 9 Other, specify 0 Sysmiss 8570 7.2.1. Who did you send money to in the past 12 months? 1 8570 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business I got goods/services from 0 7 Someone I borrowed money from 0 8 School/university/college 1 9 Other, specify 0 Sysmiss 8570 7.2.1. Who did you send money to in the past 12 months? 0 8571 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business I got goods/services from 0 7 Someone I borrowed money from 0 8 School/university/college 0 9 Other, specify 0 Sysmiss 8571 7.2.1. Who did you send money to in the past 12 months? 0 8571 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business I got goods/services from 0 7 Someone I borrowed money from 0 8 School/university/college 0 9 Other, specify 0 Sysmiss 8571 7.2.1. Who did you send money to in the past 12 months? 0 8571 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business I got goods/services from 0 7 Someone I borrowed money from 0 8 School/university/college 0 9 Other, specify 0 Sysmiss 8571 7.2.1. Who did you send money to in the past 12 months? (Other, specify) 79 0 Agents 1 Church 1 Fiance 1 Girlfriend 2 I sent money for rentals 1 Landlord 1 Mother in law 1 Personal things 1 Someone I bought a plot from. 1 Workmates in Ndola 1 and brother 1 bishop 1 brother 2 brother inlaw 1 brother who was sick 1 cant say,its my secret 1 colleagues 1 cousin 1 creditors 1 fience 1 fierce 1 grand child 1 grand parent 1 grandma 1 grandmother 1 household member 1 kid sister 1 landlord 4 mother in law 3 mother inlow 1 my Grandparents 1 my brother 3 my brother inlaw 1 my grandchildren 1 my mother inlaw 2 my mum 1 my niece 1 my sister 4 my uncle 2 my young sister 1 my young sister. 1 nephew 1 niece 1 other relatives 1 parents in law 1 school going relatives 1 sister 9 sister in law and father 1 sisters in law 1 the one who rents us a house 1 to my account at home in South Africa 1 to my brother 1 to my nephew 1 to the pastor and parents 1 traditional doctor 1 workers 1 workers at our farm 1 7.2.2. Where did you send the money to for ..........? (Spouse) 91 8480 1 Rural village 19 2 Urban community 71 3 Outside of Zambia 1 Sysmiss 8480 7.2.2. Where did you send the money to for ..........? (Child) 327 8244 1 Rural village 65 2 Urban community 258 3 Outside of Zambia 4 Sysmiss 8244 7.2.2. Where did you send the money to for ..........? (Parent) 516 8055 1 Rural village 243 2 Urban community 266 3 Outside of Zambia 7 Sysmiss 8055 7.2.2. Where did you send the money to for ..........? (Other family member) 982 7589 1 Rural village 251 2 Urban community 706 3 Outside of Zambia 25 Sysmiss 7589 7.2.2. Where did you send the money to for ..........? (Friend) 139 8432 1 Rural village 24 2 Urban community 102 3 Outside of Zambia 13 Sysmiss 8432 7.2.2. Where did you send the money to for ..........? (Business I got goods/ser 16 8555 1 Rural village 0 2 Urban community 9 3 Outside of Zambia 7 Sysmiss 8555 7.2.2. Where did you send the money to for ..........? (Business I got goods/services from) 7.2.2. Where did you send the money to for ..........? (Someone I borrowed money 0 8571 1 Rural village 0 2 Urban community 0 3 Outside of Zambia 0 Sysmiss 8571 7.2.2. Where did you send the money to for ..........? (Someone I borrowed money from) 7.2.2. Where did you send the money to for ..........? (School/university/colleg 14 8557 1 Rural village 4 2 Urban community 10 3 Outside of Zambia 0 Sysmiss 8557 7.2.2. Where did you send the money to for ..........? (School/university/college) 7.2.2. Where did you send the money to for ..........? (Other) 79 8492 1 Rural village 22 2 Urban community 51 3 Outside of Zambia 6 Sysmiss 8492 7.2.3. How often did you send money to ............? (Spouse) 91 8480 1 Weekly 1 2 Fortnightly 5 3 Monthly 24 4 Seasonally 7 5 Several times a year 9 6 Only once/once a year 16 7 When you can 7 8 When they ask you to/in an emergency 22 Sysmiss 8480 7.2.3. How often did you send money to ............? (Child) 327 8244 1 Weekly 1 2 Fortnightly 3 3 Monthly 70 4 Seasonally 50 5 Several times a year 48 6 Only once/once a year 44 7 When you can 46 8 When they ask you to/in an emergency 65 Sysmiss 8244 7.2.3. How often did you send money to ............? (Parent) 516 8055 1 Weekly 1 2 Fortnightly 2 3 Monthly 87 4 Seasonally 58 5 Several times a year 72 6 Only once/once a year 71 7 When you can 145 8 When they ask you to/in an emergency 80 Sysmiss 8055 7.2.3. How often did you send money to ............? (Other family member) 982 7589 1 Weekly 4 2 Fortnightly 11 3 Monthly 104 4 Seasonally 100 5 Several times a year 94 6 Only once/once a year 214 7 When you can 182 8 When they ask you to/in an emergency 273 Sysmiss 7589 7.2.3. How often did you send money to ............? (Friend) 139 8432 1 Weekly 3 2 Fortnightly 0 3 Monthly 10 4 Seasonally 9 5 Several times a year 16 6 Only once/once a year 36 7 When you can 28 8 When they ask you to/in an emergency 37 Sysmiss 8432 7.2.3. How often did you send money to ............? (Business I got goods/servi 16 8555 1 Weekly 0 2 Fortnightly 2 3 Monthly 4 4 Seasonally 2 5 Several times a year 3 6 Only once/once a year 2 7 When you can 3 8 When they ask you to/in an emergency 0 Sysmiss 8555 7.2.3. How often did you send money to ............? (Business I got goods/services from) 7.2.3. How often did you send money to ............? (Someone I borrowed money f 0 8571 1 Weekly 0 2 Fortnightly 0 3 Monthly 0 4 Seasonally 0 5 Several times a year 0 6 Only once/once a year 0 7 When you can 0 8 When they ask you to/in an emergency 0 Sysmiss 8571 7.2.3. How often did you send money to ............? (Someone I borrowed money from) 7.2.3. How often did you send money to ............? (School/university/college) 14 8557 1 Weekly 0 2 Fortnightly 2 3 Monthly 3 4 Seasonally 6 5 Several times a year 2 6 Only once/once a year 0 7 When you can 0 8 When they ask you to/in an emergency 1 Sysmiss 8557 7.2.3. How often did you send money to ............? (School/university/college) 7.2.3. How often did you send money to ............? (Other) 79 8492 1 Weekly 0 2 Fortnightly 0 3 Monthly 17 4 Seasonally 8 5 Several times a year 9 6 Only once/once a year 9 7 When you can 11 8 When they ask you to/in an emergency 25 Sysmiss 8492 7.2.4. How do you mostly send the money to.......? (Spouse) 91 8480 1 Bank transfer/Pay into bank account 12 2 Through the Post Office 21 3 Through Western Union/Money gram/Swift cash 5 4 Through mobile phone 28 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver takes it there 1 7 Friends or family takes it there 5 8 Other 19 Sysmiss 8480 7.2.4. How do you mostly send the money to.......? (Child) 327 8244 1 Bank transfer/Pay into bank account 49 2 Through the Post Office 71 3 Through Western Union/Money gram/Swift cash 22 4 Through mobile phone 64 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver takes it there 8 7 Friends or family takes it there 57 8 Other 56 Sysmiss 8244 7.2.4. How do you mostly send the money to.......? (Parent) 516 8055 1 Bank transfer/Pay into bank account 65 2 Through the Post Office 113 3 Through Western Union/Money gram/Swift cash 23 4 Through mobile phone 80 5 Send cell phone top-up/airtime vouchers 3 6 Bus/taxi driver takes it there 32 7 Friends or family takes it there 96 8 Other 104 Sysmiss 8055 7.2.4. How do you mostly send the money to.......? (Other family member) 982 7589 1 Bank transfer/Pay into bank account 165 2 Through the Post Office 204 3 Through Western Union/Money gram/Swift cash 50 4 Through mobile phone 224 5 Send cell phone top-up/airtime vouchers 3 6 Bus/taxi driver takes it there 42 7 Friends or family takes it there 101 8 Other 193 Sysmiss 7589 7.2.4. How do you mostly send the money to.......? (Friend) 139 8432 1 Bank transfer/Pay into bank account 27 2 Through the Post Office 13 3 Through Western Union/Money gram/Swift cash 15 4 Through mobile phone 42 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver takes it there 2 7 Friends or family takes it there 14 8 Other 26 Sysmiss 8432 7.2.4. How do you mostly send the money to.......? (Business I got goods/service 16 8555 1 Bank transfer/Pay into bank account 9 2 Through the Post Office 1 3 Through Western Union/Money gram/Swift cash 2 4 Through mobile phone 2 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver takes it there 2 7 Friends or family takes it there 0 8 Other 0 Sysmiss 8555 7.2.4. How do you mostly send the money to.......? (Business I got goods/services from) 7.2.4. How do you mostly send the money to.......? (Someone I borrowed money fro 0 8571 1 Bank transfer/Pay into bank account 0 2 Through the Post Office 0 3 Through Western Union/Money gram/Swift cash 0 4 Through mobile phone 0 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver takes it there 0 7 Friends or family takes it there 0 8 Other 0 Sysmiss 8571 7.2.4. How do you mostly send the money to.......? (Someone I borrowed money from) 7.2.4. How do you mostly send the money to.......? (School/university/college) 14 8557 1 Bank transfer/Pay into bank account 4 2 Through the Post Office 2 3 Through Western Union/Money gram/Swift cash 0 4 Through mobile phone 2 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver takes it there 2 7 Friends or family takes it there 2 8 Other 2 Sysmiss 8557 7.2.4. How do you mostly send the money to.......? (Other) 79 8492 1 Bank transfer/Pay into bank account 16 2 Through the Post Office 13 3 Through Western Union/Money gram/Swift cash 5 4 Through mobile phone 14 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver takes it there 2 7 Friends or family takes it there 9 8 Other 20 Sysmiss 8492 7.2.5. What is most of the money intended for that you send to .....? (Spouse) 91 8480 1 Household use (food/clothing) 45 2 Education (school fees, transport, uniforms, books) 15 3 Farming expenses 1 4 Business expenses 7 5 Building/renovation/expansion 1 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 3 9 Funeral expenses 1 10 Social event 0 11 Other 18 Sysmiss 8480 7.2.5. What is most of the money intended for that you send to .....? (Child) 327 8244 1 Household use (food/clothing) 56 2 Education (school fees, transport, uniforms, books) 245 3 Farming expenses 3 4 Business expenses 2 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 4 9 Funeral expenses 1 10 Social event 0 11 Other 16 Sysmiss 8244 7.2.5. What is most of the money intended for that you send to .....? (Parent) 516 8055 1 Household use (food/clothing) 280 2 Education (school fees, transport, uniforms, books) 31 3 Farming expenses 110 4 Business expenses 15 5 Building/renovation/expansion 10 6 Purchase of land 2 7 Purchasing a house 2 8 Hospital/medical expenses 21 9 Funeral expenses 2 10 Social event 0 11 Other 43 Sysmiss 8055 7.2.5. What is most of the money intended for that you send to .....? (Other fam 982 7589 1 Household use (food/clothing) 303 2 Education (school fees, transport, uniforms, books) 327 3 Farming expenses 78 4 Business expenses 38 5 Building/renovation/expansion 9 6 Purchase of land 2 7 Purchasing a house 0 8 Hospital/medical expenses 39 9 Funeral expenses 6 10 Social event 12 11 Other 168 Sysmiss 7589 7.2.5. What is most of the money intended for that you send to .....? (Other family member) 7.2.5. What is most of the money intended for that you send to .....? (Friend) 139 8432 1 Household use (food/clothing) 36 2 Education (school fees, transport, uniforms, books) 26 3 Farming expenses 2 4 Business expenses 19 5 Building/renovation/expansion 2 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 6 9 Funeral expenses 0 10 Social event 3 11 Other 45 Sysmiss 8432 7.2.5. What is most of the money intended for that you send to .....? (Business 0 8571 1 Household use (food/clothing) 0 2 Education (school fees, transport, uniforms, books) 0 3 Farming expenses 0 4 Business expenses 0 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 0 9 Funeral expenses 0 10 Social event 0 11 Other 0 Sysmiss 8571 7.2.5. What is most of the money intended for that you send to .....? (Business I got goods/services from) 7.2.5. What is most of the money intended for that you send to .....? (Someone I 0 8571 1 Household use (food/clothing) 0 2 Education (school fees, transport, uniforms, books) 0 3 Farming expenses 0 4 Business expenses 0 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 0 9 Funeral expenses 0 10 Social event 0 11 Other 0 Sysmiss 8571 7.2.5. What is most of the money intended for that you send to .....? (Someone I borrowed money from) 7.2.5. What is most of the money intended for that you send to .....? (School/un 0 8571 1 Household use (food/clothing) 0 2 Education (school fees, transport, uniforms, books) 0 3 Farming expenses 0 4 Business expenses 0 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 0 9 Funeral expenses 0 10 Social event 0 11 Other 0 Sysmiss 8571 7.2.5. What is most of the money intended for that you send to .....? (School/university/college) 7.2.5. What is most of the money intended for that you send to .....? (Other) 24 8547 1 Household use (food/clothing) 5 2 Education (school fees, transport, uniforms, books) 4 3 Farming expenses 1 4 Business expenses 2 5 Building/renovation/expansion 2 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 0 9 Funeral expenses 0 10 Social event 0 11 Other 10 Sysmiss 8547 7.3.1. The last time you sent money outside Zambia, which country did you send t 63 8508 1 South Africa 13 2 Other, specify 50 Sysmiss 8508 7.3.1. The last time you sent money outside Zambia, which country did you send the money to? 7.3.1. The last time you sent money outside Zambia, which country did you send t 50 0 Angola 1 Botswana 1 China 2 Congo 1 Congo DR 1 Congo dr 1 DR Congo 1 Democratic Republic of Congo 1 Dubai 1 France 1 Germany 1 India 2 Japan 1 Kenya 3 Malawi 4 Mozambique 1 Namibia 4 Russia 1 Senegal 1 Sri Lanka 1 Tanzania 3 Uganda 1 Uk and China 1 United Kingdom 1 United States of America 1 United kingdom 1 Zimbabwe 2 china 1 congo 1 india 1 kenya 1 malawi 1 senegal 1 tanzania 1 usa 1 zambambwe 1 zimbabwe 1 7.3.1. The last time you sent money outside Zambia, which country did you send the money to? [Other (specify)] 7.3.2a. Which currency did you send? 1984 6587 1 zmw 1895 2 zar 5 3 Other, specify 59 4 Don't know 13 5 Refused 12 Sysmiss 6587 7.3.2a. Which currency did you send? [Other (specify)] 59 0 Dollar 3 Dollars 1 Kwacha 6 Malawian Kwacha 1 Namibian Dollars 1 US dollars 1 US dollars. 1 USA dollar 1 ZMK 3 ZMK to Pound and Dollar 1 Zambian Kwacha ZMK 1 Zmk 1 did not send money out side Zambia 1 dollar 3 dollars 3 kwacha 4 kwaza 1 mk 1 rand 1 shilling 1 us dollar 3 us dollars 1 zmk 19 7.3.2b. How much money did you send? (ZMW) 1895 6676 0 2000400 7.3.2b. How much money did you send? (ZAR) 5 8566 500 7000 7.3.2b. How much money did you send? (Other) 59 8512 0 100000 7.4. In the past 12 months, have you received money from someone in a different 8479 92 1 Yes 2207 2 No 6272 Sysmiss 92 7.4. In the past 12 months, have you received money from someone in a different place within the country or from outside the country? 7.5.1. Who did you receive money from in the past 12 months? 2207 6364 1 Spouse 135 2 Child 324 3 Parent 212 4 Other family member 1187 5 Friend 173 6 Business customer 39 7 Someone who borrowed money from you 7 8 Other specify 130 Sysmiss 6364 7.5.1. Who did you receive money from in the past 12 months? 60 8511 1 Spouse 0 2 Child 2 3 Parent 1 4 Other family member 29 5 Friend 19 6 Business customer 5 7 Someone who borrowed money from you 1 8 Other specify 3 Sysmiss 8511 7.5.1. Who did you receive money from in the past 12 months? 3 8568 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business customer 1 7 Someone who borrowed money from you 0 8 Other specify 2 Sysmiss 8568 7.5.1. Who did you receive money from in the past 12 months? 0 8571 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business customer 0 7 Someone who borrowed money from you 0 8 Other specify 0 Sysmiss 8571 7.5.1. Who did you receive money from in the past 12 months? 0 8571 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business customer 0 7 Someone who borrowed money from you 0 8 Other specify 0 Sysmiss 8571 7.5.1. Who did you receive money from in the past 12 months? 0 8571 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business customer 0 7 Someone who borrowed money from you 0 8 Other specify 0 Sysmiss 8571 7.5.1. Who did you receive money from in the past 12 months? 0 8571 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business customer 0 7 Someone who borrowed money from you 0 8 Other specify 0 Sysmiss 8571 7.5.1. Who did you receive money from in the past 12 months? 0 8571 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business customer 0 7 Someone who borrowed money from you 0 8 Other specify 0 Sysmiss 8571 135 0 Brother 2 Business Partner 1 Client 1 FIRST HUSBAND 1 Food Reserve agency FRA 1 Former neighbor who lives in a different location 1 Former spouse and the person renting the shop 1 From business partners 1 From my boss 1 From my sister 1 From my tenant 1 From my uncle 1 My Child's father 1 My Elder brother 1 My Former Employer 1 My employers to be 1 My in law 1 My tenant 1 Napsa 1 One of my subjects 1 The Child's father 1 The children's father 1 The father to my child. 1 boss 1 boyfriend 4 boyfriend. 1 brother 13 brother (The other option takes the sister's role) 1 brother in law 1 business partner 1 charity organizations 1 church members 1 clients 1 cousin 1 daughter 1 donor 1 donors 1 employee from my farm 1 farm manager 1 father 1 father of my child 2 father of my children 1 father of my son 1 father to child 1 former employer 1 friend 1 friends & Relatives 1 from employer 2 from her boss 1 from my fiancee 1 from rentals 1 from zisc insurance company 1 girl friend 1 government 1 grand children 1 grand daughter 1 grandma 1 guy in my house for rent 1 inlaw 1 inlaws 1 lecturer 1 ministry of education 1 mums ternant 1 my Boss 1 my aunt 2 my aunt's 1 my boyfriend 1 my brother 1 my brother from Livingston 1 my child 1 my children 2 my cousin 1 my dad 1 my daughter 1 my elder brother 1 my elder brother usually helps me 1 my employer 1 1 my mother inlaw 1 my mum 1 my sister 1 my uncle 1 my young sister and Brother from kabwe 1 people who owe me money deposit in my account 1 sister 4 sister in law 1 sister inlaw 1 sisters and brothers 1 social cast transfer 1 social welfare 1 some tenant in the family house 1 spiritual father 1 sponsored 1 tenant 4 tenants 2 tenants of my shops 1 tenants. 1 tennants 1 the boss 1 the father of the children 1 the father to my child 1 the government 1 the man who impregnated but he is not my current husband 1 uncle 1 work partners 1 world vision 1 young brother 2 7.5.2. Where did .... send the money from? (Spouse) 135 8436 1 Rural village 11 2 Urban community 113 3 Outside of Zambia 11 Sysmiss 8436 7.5.2. Where did .... send the money from? (Child) 326 8245 1 Rural village 23 2 Urban community 291 3 Outside of Zambia 12 Sysmiss 8245 7.5.2. Where did .... send the money from? (Parent) 213 8358 1 Rural village 52 2 Urban community 158 3 Outside of Zambia 3 Sysmiss 8358 7.5.2. Where did .... send the money from? (Other family member) 1216 7355 1 Rural village 109 2 Urban community 1031 3 Outside of Zambia 76 Sysmiss 7355 7.5.2. Where did .... send the money from? (Friend) 192 8379 1 Rural village 23 2 Urban community 148 3 Outside of Zambia 21 Sysmiss 8379 7.5.2. Where did .... send the money from? (Business customer) 45 8526 1 Rural village 4 2 Urban community 38 3 Outside of Zambia 3 Sysmiss 8526 7.5.2. Where did .... send the money from? (Someone who borrowed money from you) 8 8563 1 Rural village 3 2 Urban community 5 3 Outside of Zambia 0 Sysmiss 8563 7.5.2. Where did .... send the money from? (Someone who borrowed money from you) 7.5.2. Where did .... send the money from? (Other) 135 8436 1 Rural village 18 2 Urban community 106 3 Outside of Zambia 11 Sysmiss 8436 7.5.3. How often does ... send you money? (Spouse) 135 8436 1 Weekly 7 2 Fortnightly 3 3 Monthly 42 4 Seasonally 13 5 Several times a year 7 6 Once a year 15 7 When they can 19 8 When you ask them/in an emergency 29 Sysmiss 8436 7.5.3. How often does ... send you money? (Child) 326 8245 1 Weekly 0 2 Fortnightly 2 3 Monthly 53 4 Seasonally 30 5 Several times a year 32 6 Once a year 42 7 When they can 97 8 When you ask them/in an emergency 70 Sysmiss 8245 7.5.3. How often does ... send you money? (Parent) 213 8358 1 Weekly 3 2 Fortnightly 2 3 Monthly 41 4 Seasonally 21 5 Several times a year 17 6 Once a year 36 7 When they can 35 8 When you ask them/in an emergency 58 Sysmiss 8358 7.5.3. How often does ... send you money? (Other family member) 1216 7355 1 Weekly 2 2 Fortnightly 4 3 Monthly 93 4 Seasonally 116 5 Several times a year 95 6 Once a year 237 7 When they can 278 8 When you ask them/in an emergency 391 Sysmiss 7355 7.5.3. How often does ... send you money? (Friend) 192 8379 1 Weekly 1 2 Fortnightly 3 3 Monthly 19 4 Seasonally 19 5 Several times a year 23 6 Once a year 36 7 When they can 39 8 When you ask them/in an emergency 52 Sysmiss 8379 7.5.3. How often does ... send you money? (Business customer) 45 8526 1 Weekly 3 2 Fortnightly 2 3 Monthly 11 4 Seasonally 6 5 Several times a year 9 6 Once a year 5 7 When they can 5 8 When you ask them/in an emergency 4 Sysmiss 8526 7.5.3. How often does ... send you money? (Someone who borrowed money from you) 8 8563 1 Weekly 0 2 Fortnightly 0 3 Monthly 1 4 Seasonally 0 5 Several times a year 1 6 Once a year 4 7 When they can 1 8 When you ask them/in an emergency 1 Sysmiss 8563 7.5.3. How often does ... send you money? (Someone who borrowed money from you) 7.5.3. How often does ... send you money? (Other) 135 8436 1 Weekly 4 2 Fortnightly 1 3 Monthly 16 4 Seasonally 15 5 Several times a year 18 6 Once a year 25 7 When they can 24 8 When you ask them/in an emergency 32 Sysmiss 8436 135 8436 1 Bank transfer/Pay into bank account 20 2 Through the Post Office 18 3 Through Western Union/Money gram/Swift cash 11 4 Through mobile phone 42 5 Send cell phone top-up/airtime vouchers 1 6 Bus/taxi driver brings it 2 7 Friends or family bring it 15 8 Other 26 Sysmiss 8436 326 8245 1 Bank transfer/Pay into bank account 50 2 Through the Post Office 86 3 Through Western Union/Money gram/Swift cash 23 4 Through mobile phone 44 5 Send cell phone top-up/airtime vouchers 1 6 Bus/taxi driver brings it 14 7 Friends or family bring it 43 8 Other 65 Sysmiss 8245 213 8358 1 Bank transfer/Pay into bank account 25 2 Through the Post Office 41 3 Through Western Union/Money gram/Swift cash 12 4 Through mobile phone 30 5 Send cell phone top-up/airtime vouchers 1 6 Bus/taxi driver brings it 13 7 Friends or family bring it 47 8 Other 44 Sysmiss 8358 1216 7355 1 Bank transfer/Pay into bank account 149 2 Through the Post Office 279 3 Through Western Union/Money gram/Swift cash 94 4 Through mobile phone 223 5 Send cell phone top-up/airtime vouchers 3 6 Bus/taxi driver brings it 47 7 Friends or family bring it 148 8 Other 273 Sysmiss 7355 192 8379 1 Bank transfer/Pay into bank account 49 2 Through the Post Office 27 3 Through Western Union/Money gram/Swift cash 17 4 Through mobile phone 40 5 Send cell phone top-up/airtime vouchers 1 6 Bus/taxi driver brings it 6 7 Friends or family bring it 10 8 Other 42 Sysmiss 8379 45 8526 1 Bank transfer/Pay into bank account 20 2 Through the Post Office 3 3 Through Western Union/Money gram/Swift cash 4 4 Through mobile phone 4 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver brings it 0 7 Friends or family bring it 5 8 Other 9 Sysmiss 8526 8 8563 1 Bank transfer/Pay into bank account 3 2 Through the Post Office 0 3 Through Western Union/Money gram/Swift cash 0 4 Through mobile phone 3 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver brings it 0 7 Friends or family bring it 2 8 Other 0 Sysmiss 8563 135 8436 1 Bank transfer/Pay into bank account 25 2 Through the Post Office 23 3 Through Western Union/Money gram/Swift cash 10 4 Through mobile phone 15 5 Send cell phone top-up/airtime vouchers 0 6 Bus/taxi driver brings it 6 7 Friends or family bring it 18 8 Other 38 Sysmiss 8436 7.5.6. What do you use most of the money you receive for? (Spouse) 135 8436 1 Household use (food/clothing) 100 2 Education (school fees, transport, uniforms, books) 19 3 Farming expenses 2 4 Business expenses 1 5 Building/renovation/expansion 1 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 1 9 Funeral expenses 0 10 Social event 2 11 Other 9 Sysmiss 8436 7.5.6. What do you use most of the money you receive for? (Child) 326 8245 1 Household use (food/clothing) 199 2 Education (school fees, transport, uniforms, books) 41 3 Farming expenses 45 4 Business expenses 1 5 Building/renovation/expansion 8 6 Purchase of land 1 7 Purchasing a house 0 8 Hospital/medical expenses 11 9 Funeral expenses 3 10 Social event 3 11 Other 14 Sysmiss 8245 7.5.6. What do you use most of the money you receive for? (Parent) 213 8358 1 Household use (food/clothing) 79 2 Education (school fees, transport, uniforms, books) 73 3 Farming expenses 10 4 Business expenses 11 5 Building/renovation/expansion 3 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 5 9 Funeral expenses 0 10 Social event 5 11 Other 27 Sysmiss 8358 7.5.6. What do you use most of the money you receive for? (Other family member) 1216 7355 1 Household use (food/clothing) 563 2 Education (school fees, transport, uniforms, books) 266 3 Farming expenses 85 4 Business expenses 59 5 Building/renovation/expansion 23 6 Purchase of land 3 7 Purchasing a house 1 8 Hospital/medical expenses 35 9 Funeral expenses 17 10 Social event 16 11 Other 148 Sysmiss 7355 7.5.6. What do you use most of the money you receive for? (Friend) 192 8379 1 Household use (food/clothing) 85 2 Education (school fees, transport, uniforms, books) 20 3 Farming expenses 1 4 Business expenses 23 5 Building/renovation/expansion 2 6 Purchase of land 1 7 Purchasing a house 0 8 Hospital/medical expenses 4 9 Funeral expenses 2 10 Social event 6 11 Other 48 Sysmiss 8379 7.5.6. What do you use most of the money you receive for? (Business customer) 0 8571 1 Household use (food/clothing) 0 2 Education (school fees, transport, uniforms, books) 0 3 Farming expenses 0 4 Business expenses 0 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 0 9 Funeral expenses 0 10 Social event 0 11 Other 0 Sysmiss 8571 7.5.6. What do you use most of the money you receive for? (Someone who borrowed 0 8571 1 Household use (food/clothing) 0 2 Education (school fees, transport, uniforms, books) 0 3 Farming expenses 0 4 Business expenses 0 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 0 9 Funeral expenses 0 10 Social event 0 11 Other 0 Sysmiss 8571 7.5.6. What do you use most of the money you receive for? (Someone who borrowed money from you) 7.5.6. What do you use most of the money you receive for? (Other) 135 8436 1 Household use (food/clothing) 49 2 Education (school fees, transport, uniforms, books) 26 3 Farming expenses 9 4 Business expenses 11 5 Building/renovation/expansion 2 6 Purchase of land 1 7 Purchasing a house 1 8 Hospital/medical expenses 7 9 Funeral expenses 1 10 Social event 4 11 Other 24 Sysmiss 8436 7.6.1. The last time you received money from outside Zambia, which country did y 137 8434 1 South Africa 25 2 Other, specify 112 Sysmiss 8434 7.6.1. The last time you received money from outside Zambia, which country did you receive it from? 7.6.1. The last time you received money from outside Zambia, which country did y 112 0 America 6 American 2 Angola 2 Australia 6 Belgium 1 Botswana 7 Britain 2 Canada 5 Congo Dr 1 DRC 2 Dubai 1 England 2 Europe 1 Finland 1 Germany 1 India 1 Ireland 1 Kasumbalesa, DRC 1 London 2 MALAWI 2 Malawi 3 Mozambique 3 Namibia 6 New Zealand 1 New york 1 Nigeria 1 Norway 2 Russia 1 Saudi Arabia 1 Sweden 2 Tanzania 8 The United Kingdom 1 UK 3 USA 3 United Kingdom 2 United Kingdom. 1 United States 2 United States of America 1 United kingdom 4 Zambia 1 Zimbabwe 2 angola 1 antlanta 1 australia 2 bahrani 1 bostwana 1 britern UK 1 congo 1 england 1 london 1 malawi 1 namibia 1 not sure of the country 1 sweden 1 taxes 1 uk 1 7.6.1. The last time you received money from outside Zambia, which country did you receive it from? [Other (specify)] 7.6.2a. Which currency did you receive? 2207 6364 1 zmw 2065 2 zar 13 3 Other, specify 91 4 Don't know 15 5 Refused 23 Sysmiss 6364 7.6.2a. Which currency did you receive? [Other (specify)] 91 0 British pound 1 Canadian dollar 1 Dollar 3 Dollars 2 Dollars USD 1 Euro 2 Kwacha 3 MALAWIAN KWACHA 2 Malawian Kwacha 1 Malawian kwacha 1 Namibian Dollar 1 Namibian dollar 1 Namibian dollars 1 Norway 1 Pound 1 Pounds 1 Pounds. 1 Pula 2 Rand 1 Shilling 1 Shillings 1 U.S. Dollars 1 US Dollar 2 US Dollars. 1 US dollar 1 US dollars 1 USA dollars 1 UsDollars 1 ZMK 5 Zmk 1 cheque 1 depends on what I ask 1 dolar 1 dollar 7 dollars 3 kwacha 5 pound 4 pounds 2 rand 1 rands 1 rupe 1 shilling 2 us dollars 1 zmk 18 7.6.2b. How much money did you receive? (ZMW) 2065 6506 0 20005000 7.6.2b. How much money did you receive? (ZAR) 13 8558 1 40000 7.6.2b. How much money did you receive? (Other) 91 8480 1 150000 7.7.1. Have you ever heard about mobile money ? 8479 92 1 Yes 4610 2 No 3869 Sysmiss 92 7.7.2. What is mobile money? 4610 3961 1 Sending/receiving money using a mobile phone 2963 2 An account on you phone where you can save money 276 3 You can buy things using your phone 38 4 You can pay bills using your phone 52 5 Other, specify 1281 Sysmiss 3961 7.7.2. What is mobile money? 630 7941 1 Sending/receiving money using a mobile phone 0 2 An account on you phone where you can save money 398 3 You can buy things using your phone 67 4 You can pay bills using your phone 115 5 Other, specify 50 Sysmiss 7941 7.7.2. What is mobile money? 154 8417 1 Sending/receiving money using a mobile phone 0 2 An account on you phone where you can save money 0 3 You can buy things using your phone 74 4 You can pay bills using your phone 77 5 Other, specify 3 Sysmiss 8417 7.7.2. What is mobile money? 53 8518 1 Sending/receiving money using a mobile phone 0 2 An account on you phone where you can save money 0 3 You can buy things using your phone 0 4 You can pay bills using your phone 51 5 Other, specify 2 Sysmiss 8518 7.7.2. What is mobile money? 0 8571 1 Sending/receiving money using a mobile phone 0 2 An account on you phone where you can save money 0 3 You can buy things using your phone 0 4 You can pay bills using your phone 0 5 Other, specify 0 Sysmiss 8571 7.7.2. What is mobile money? (Other, specify) 1336 0 999 10 A transaction of money. through. the phone 1 Am disturbing have heard of it 1 Am not sure 1 Borrowing money on the phone 1 Didn't really pay attention to what was been talked about she just heard about it 1 Dk 1 Do not exactly 2 Do not know 4 Do not know exactly 7 Do not know exactly what it is 1 Do not know exavtly 1 Do not know it exactly 1 Do not know what it is 1 Do not really know it just heard about 1 Does not know what it is 1 Does not know what it means 1 Doesn't know 4 Doesn't know because just heard from people 1 1 Doesn't know what mobile money is. 1 Doesn't really understand how it works 1 Don't Know 11 Don't Know just heard 1 Don't have an idea on how the services operate 1 Don't know 24 Don't know how it works 8 Don't know it heard of if 1 Don't know just heard of it 1 Don't know much about it 1 Don't know what it is 6 Don't know what it is but have heard of it 1 Don't know what it's all about. 1 Don't kwon 1 Don't kwon how it work 1 Don't kwon how it works 7 Don't kwon it 1 Don't no how it works 1 Don't really know what it is 1 Don't. really know how it works or the services that are offered 1 Dont Know how it works 1 Dont know 2 Dont know how it work 1 Dont know how it works 2 Dont kwon how it works 4 For purchasing airtime 1 Has heard but doesn't know how to explain 1 Has just heard about but doesn't know what it is 1 Has just heard of it but doesn't know what it is 1 Have heard. about it but am not sure about it 1 Have just heard about it but don't know what it is 1 Have not paid attention to it 1 Have only heard about it don't know what it's all about 1 He Doesn't know 1 He doesn't know 1 He doesn't know what it is but he only hears about it 1 He doesn't what it is but he just hears about it 1 He had forgotten 1 He has just heard of it 1 He just hears about it 2 He just hears about it but he doesn't know what it is 1 He says it cheaper to receive and send money 1 Heard about it but doesn't know exactly what it is 1 I am yet to know what it is used for 1 I can't explain because I have never used it 1 I can't remember what it is used for 1 I didn't pay much attention 1 I dnt how to say it 1 I dnt know it I only know the name 1 I do not even pay attention to such 1 I do not have enough information 1 I do not know 6 I do not know as I do not pay much attention 1 I do not know but I just sms's on the phone 1 I do not know what it is used for 1 I do not pay attention to the adverts 1 I don't have any detailed information 1 I don't have much information about it 1 I don't how it works 2 I don't knock 1 I don't know 116 I don't know I just hear people saying 1 I don't know I just heard 1 I don't know anything about mobile money but I have heard about it 1 I don't know because I have never used it before 1 I don't know but I just hear about it 2 I don't know exactly what it is. 1 I don't know for sure,I have just heard of it 1 I don't know have just heard of it 1 I don't know how it works 8 I don't know how it works but I have heard about that 1 I don't know how it works, just heard the name. 1 I don't know how it works. 2 I don't know how to define it 1 I don't know it 20 I don't know it . 1 I don't know it I just heard about it 2 I don't know it i just heard about it 1 I don't know it is. 1 I don't know it very well 1 I don't know it very well. I just heard of it 1 I don't know just hear people talk about it 1 I don't know much 1 I don't know the meaning 2 I don't know them 1 I don't know them, I've just heard the name. 1 I don't know understand it 1 I don't know very much 1 I don't know what is. 1 I don't know what it does. 1 I don't know what it is 6 I don't know what it is I just hear about it 1 I don't know what it is I just hear people saying mobile money 1 I don't know what it is all about 1 I don't know what it is but I have heard of it 1 I don't know what it is exactly 1 I don't know what it is used for 4 I don't know what it is. 4 1 I don't know what it is. I have not paid attention 1 I don't know what it isn't 1 I don't know what it means 1 I don't know what it means but I have heard of it before. 1 I don't know what it's all about 1 I don't know what mobile money is. 1 I don't know what they deal with 1 I don't know. 2 I don't konw 1 I don't pay attention 2 I don't really know 5 I don't really know because I have never used it 1 I don't really know but I hear about it on radio 1 I don't really know cause I just hear about it 1 I don't really know how it works 1 I don't really know it 2 I don't really know it properly, I just hear that there's mobile money 1 I don't really know what it is 1 I don't really know what it means 1 I don't really know what it means I just heard 1 I don't really know. 1 I don't really understand what it means 1 I don't understand it 1 I don't what happens I just hear it 1 I don't. know 1 I don't. know it I have just. heard of it 1 I don't. know well 1 I don't. know what it is 1 I don't. know what it is I just hear on the radio someone mentioning mobile money 1 I dont 2 I dont know 2 I dont know it well 1 1 I have heard about it but I don't know how it works 1 I have heard about it but I don't know what is is. 1 I have heard about it but I don't know what it is. 3 I have heard about it but I don't know what it means 1 I have heard about it but I have no idea about how it works 1 I have heard about it though I don't really know how to use it 1 I have heard about mobile money but I don't know what it means 1 I have heard but I don't know what it is 1 I have heard but don't know much about it 2 I have heard but i don't no much 1 I have heard of it but I do not know exactly what it is 1 I have heard of it but I do not know the particular details about it or what it is exactly 1 I have heard of it but I don't know their services and what it is 1 I have heard of it but I don't know what it is used for 1 I have heard of it but I don't really know what it is 1 I have heard of it but I know what it is 1 I have just he about mobile money but am not aware of services offered 1 I have just heard about but i don't understand how it works 1 I have just heard about it 1 I have just heard about it I don't know what it is or what it means 1 I have just heard but I do not know how it works 1 I have just heard it but I don't know it 1 I have just heard of it but I don't know the services they offer 1 I have just heard of it but I don't know what it's used for 1 I have just heard of it but have no idea as to what it is used for 1 I have just heard their existence but am not aware of the services offered 1 I have just of it but I don't know what it's used for 1 I have no idea 1 I have of it but don't know it in detail 1 I have only head of it 1 I have only heard about it but don't know how it works 1 I have only heard about it,but i don't know how it works 1 I have only heard of it 2 I haven't bothered to find out what it really is 1 I heard about it but I don't know how it is used 1 I heard from the radio but I don't know the services offered 1 I just from friends 1 I just head but I don't know how it works 1 I just head it I don't know how it works 1 I just hear I don't know what it is 2 I just hear about it 2 I just hear about it I don't. know what it is 1 I just hear about it but I don't really know what it is 1 I just hear about it but I know nothing 1 I just hear about it but what can I use it for when I don't get an income 1 I just hear about it on tv that it is a way of keeping money 1 I just hear about it, but I don't know how it works 1 I just hear any it 1 I just hear it but I don't know what it is 1 I just hear of it but don't know how it works 1 I just hear people talking about it but I don't know it 1 I just hear the name 1 I just hear them say but I dnt know what it does 1 I just heard I don't know what it is 1 I just heard about it but I don't know what it is 1 I just heard about it but I don't know what it is. 1 I just heard about it but i don't know what it is 1 I just heard but I did not pay much attention to hear how it is used and services offered 1 I just heard but I don't know what it is 1 I just heard but don't know what it is used for 1 I just heard it on radio so I didn't pay much attention 1 I just heard that mobile money I don't know how it works. 1 I just heard the name but I don't know what it is 1 I just heard the name. 1 I just here it 1 I just know that it is there but I don't know what it is used for 1 I just know that mobile money is money 1 I just saw a text on my phone I did not pay much attention to it 1 I know nothing about it 1 I really don't have much information 1 I really don't know 1 I really don't know how it works 1 I've heard about it but I don't really know what it is 1 I've just heard the name. 2 I've just heard,I don't know how it works. 1 It's an account for a network like MTN or Airtel 1 It's sending money through post office 1 Just heard of it 1 Just heard of it but don't know what it's all about 1 Just know that its mobile money 1 Just know that its mobile money. 1 Money on the phone 1 Money sent from the phone. 1 No idea 2 Not sure 2 Not sure about it 1 Not sure how it works 2 Not sure what it is 1 Not sure.I just heard of it from an aunt. 1 Not too sure 1 Only hear about it 1 Respondent cannot recall clearly what he has heard about mobile money 1 Respondent does not know what it means literally 1 Respondent does not know what mobile money is used for 1 Respondent does not pay attention to adverts 1 Respondent does not pay attention to it 1 Respondent doesn't know anything about mobile money 1 Respondent doesn't know exact services offered 1 Respondent doesn't know how it works 1 Respondent doesn't know specific services offered 1 Respondent doesn't know the services 1 Respondent doesn't know the specifics for mobile money 1 Respondent doesn't know the specifics of mobile money 1 Respondent doesn't know what exact services are offered 2 Respondent doesn't know what it is used for 1 Respondent doesn't knows what services are offered 1 Respondent doesn't pay attention to messages received 1 Respondent doesn't remember 1 Respondent has heard but doesn't know of it 1 Respondent has just heard about it but doesn't know what it is 1 Respondent has just heard of but knows nothing about it 1 Respondent has just heard of it through the grapevine 1 Respondent isn't aware of services offered 1 Respondent just heard mentions of it 1 Respondent knows that one can win money 1 Respondent wasn't interested in knowing more 1 Saving money 1 Send airtime 1 She doesn't know 3 She doesn't know how it works. 1 She doesn't know the meaning 1 She doesn't know well she has just being hearing about 1 She doesn't know. 1 She has just heard of it 1 She has no idea but she just hears about it 1 She just hears about it 4 The money you get from associations to help you boost your business. 1 They just advertise phones 1 To make financial access easy 1 To save money on a phone 1 We just hear the name. 1 Winning money 1 a place of winning money 1 all I know is sending and receiving 1 am by sure of that 1 am not so sure what happens they 1 am not sure 1 am not sure what it is about 1 banking 1 banking money 1 borrowing money 1 borrowing money from a phone 1 borrowing money from mobile phone. 1 borrowing money from your friends 1 buy talk time 1 buying airtime using a phone 1 buying airtime using the phone 1 can not tell what it is 1 can't define mobile money 1 can't describe it 2 can't describe what it is. 1 can't know 1 can't really explain or rather don't know 1 can't remember 2 can't remember what it is 1 cant remember exactly what the advert said mobile money does or what it is 1 dk 1 do know for sure,just heard an advert 1 1 do not know how it works 1 do not know what it is 1 do not know what mobile Money does 1 do not know what they do 9 do not know what they dob 1 do not no how it works 1 do not understand it well 1 does not know 8 does not know about it 1 does not know clearly how it works 1 does not know it's usage 1 does not know really 1 does not know what it is 1 does not know what it means 1 does not know, just heard of it 1 doesn't 1 doesn't have enough information about it. 2 doesn't know 13 doesn't know how it works 5 doesn't know how it works but has heard about it 1 doesn't know how it works though 2 doesn't know how it works,I have just heard about it 1 doesn't know really 1 doesn't know the exact definition she just knows it's mobile money 1 doesn't know what it is 3 doesn't know what it is but has heard it before 1 doesn't know what it is. 1 doesn't know what it means 1 doesn't know, just heard of the service 1 doesn't really know 1 doesn't really know what it is 1 doesn't understand how it works but has heard about it 1 doesn't what it is 1 doesn't. know 1 doesn't. know. what it means 1 don't 1 don't exactly know 1 don't have enough information 1 don't have enough information about it 1 don't how it works 3 don't just hear about it 1 don't know 218 don't know I just hear about it 1 don't know I only hear mobile money 1 don't know about it 1 don't know about it. 1 don't know about its 1 don't know any 1 don't know anything 4 don't know anything about it 1 don't know exactly what it is 2 don't know exactly what it is. 1 don't know exactly what it is. but I have heard of it.l 1 don't know fully what it is 1 don't know how it operates 9 don't know how it works 25 don't know how it works jus hear about 1 don't know how it works. 4 don't know in detail but have heard of it 1 don't know in details 1 don't know it 9 don't know it but have just heard it 1 don't know it more. 1 don't know it very well. 1 don't know it well 1 don't know it works 1 don't know it works. 1 don't know it's use 1 don't know it. 2 don't know just hear about 2 don't know just hear about it 4 don't know just hear hear 1 don't know just hear of it. 1 don't know just heard about it 1 don't know much about it 1 don't know much about it. 1 don't know much about mobile money 1 don't know the definition 1 don't know the services that come with mobile money 1 don't know the use of mobile money 1 don't know their services 1 don't know them, I just heard. 1 don't know them...just heard the name. 2 don't know they're used for. 1 don't know what is 1 don't know what is mobile money just heard about it 1 don't know what it is 25 don't know what it is used for 2 don't know what it is,I have just heard about it 1 don't know what it is. 2 don't know what it is. Just heard about it. 1 don't know what it means 2 don't know what mobile is 1 don't know what mobile money is 1 don't know what they do 13 don't know what they dob 1 don't know what theye do 1 don't know what theye dob 1 don't know what u can use it for 1 don't know. 11 don't know. just heard there's mobile money 1 don't pay attention to it 1 don't really know 3 don't really know about it 1 don't really know it 1 don't really know what is 1 don't really know what it is 3 don't really know what it is just hear people talk about it 1 don't really. know 1 don't understand it 1 don't. know 1 don't. know what it is 1 don`t know what mobile money is 1 dont 1 dont have much information 1 dont know 1 dont know how it works 6 dont know it 1 dont know just heard about it 1 dont know much 1 dont know what it is 2 dont know what it means 1 dont know what it really is 1 dont know what its all about but is aware of the mobile money provider 1 dont know what mobile money is ,just heard about it 1 dont understand how it works 1 easiest way to save money 1 electronic money 1 font really know what it is 1 forgotten 2 getting money after you win something 1 getting money instantly 1 had just heard about it but doesn't know it 1 has heard about it but doesn't know what it is 1 has heard of mobile money but dont know what it is 1 have hand about but it,but l Don,t know all about 1 have head of it but I dnt know what it us and what it does 1 have heard of it but don't know he it works 1 have just heard about it but can't describe it. 1 have just heard the name mobile money. 1 have just heard. 1 have no idea what it is 1 haven't understood what it really is 1 he doesn't have an idea what mobile money z used for 1 he has just heard about it.he doesn't know anything 1 he just head about mobile money but he don't know how it works 1 he said it's a way of sending airtime to someone using your phone 1 heard about it but not come across to know how it works 1 heard adverts but don't know what it is 1 heard but don't know what it is 1 heard just the name not sure what it is 1 help with business capital 1 helping people banks 1 i I don't know 1 i I don't really know how it works 1 i cant explain 2 i don't actually know what mobile money is 1 i don't know 4 i don't know it 3 i don't know much. I just know there's it's a way of saving money 1 i don't know. 2 i dont know 7 i dont know exactly what its all about 1 i dont know it 1 i dont know what it means 1 i dont understand it but i have just heard about it 1 i dont what it is 1 i have heard about it but i don't know much about it 1 i have heard about mobile money but i don't know much, 1 i have heard but don't pay much attention 1 i have just heard but i dont really know what it is 1 i heard about dont realy know how it works 1 i just head about it but i dont know what it is 1 i just hear about the word mobile money but i dont know what it is 1 i just heard of it 1 it 's money that is readily available 1 it is just used to save money 1 it is moving from one place to another 1 it is sending money to someone very far 1 it is talktime 1 it is the money you receive when you win something. 1 it is the transfer of money from one account to another by a mobile service 1 it is where you can keep your money safe 1 it means mobile money 1 it means to get help 1 it sending of money from any where 1 it's about savings, you get the money and save through mtn 1 it's money sent through electronic means 1 it's where you buy talk time 1 it's. cheap to open an account 1 just being hearing about it don't really know what it is 1 just hear 1 just hear about it 1 just hear about it but don't know how it works 1 just hear like that 1 just hear of it 2 just heard about but no interest to know more. 1 just heard about it but doesn't know what it is 2 just heard about it but don't know how it works 2 just heard an advert 1 just heard an advert but dont know what it is 1 just heard but don't know it 1 just heard but dont know what is 1 just heard it on radio,don't really know what it is 1 just heard it that's all 1 just heard not sure it's use 1 just heard of it 3 just heard of it but don't know what it is. 1 just heard of it but have never used it 1 just heard of it don't know what it is 1 just heard of it,don't know what is 1 just heard of mobile money but don't know what it is for sure 1 just heard people mention the name. I don't know what it is. 1 just heard the advert but dont know what it really is 1 just heard the words mobile money 1 just hearing about it but don't know how it works 1 just it but does not know how it works 1 keeping money 2 keeping money on he phone 1 know ideal 1 knows it but doesn't know how it works 1 kuntu kufikila indalama 1 l Don,t know 1 l Don,t understand how mobile money works 1 l Dont know 1 lack of infromation 1 lack of infromation on mobile phone 1 mobile money is associated with the bank 1 mobile money is how to use money 1 money from the bank 1 money that is not dealing with accounts 1 money that saved on the phone 1 money transactions through the phone 1 money you can receive or send any where or any time 1 money you can use over the mobile 1 more money 1 no idea 25 no idea about what mobile money is 1 no idea but she's heard of mobile money 1 no idea of what mobile mobile is 1 no idea of what mobile money is 17 no proper information about mobile money 1 no u idea of what mobile money is 1 not much knowledge about it 1 not so sure 1 not sure 22 not sure what it is 2 not sure what it is but has head of it 1 not sure what it is. 1 not sure what they do 1 not sure, just heard of iit 1 not sure,just hear people talking about it. 1 not to sure how it work's 1 not very sure 2 not very sure. 2 nothing 2 really dont 1 really dont know 1 respondent doesn't know. 1 respondent not fully aware of what mobile money is 1 respondent not sure what it is about but has heard about it 1 respondent sure on how to define mobile money 1 save money 1 1 saving money 2 saving money in any account 1 saving money through a phone 1 saving through mobile money 1 sending and receiving of money 1 sending letters 1 sending money 2 sending money through a viecle 1 sending money using an NRC 1 sending money. 1 sending of money where they are no banks 1 sending talktime 1 serving or putting money away 1 she doesn't know 3 she doesn't know what it is but she is just seen hearing about 1 she doesn't. know really she thinks it's just an advert 1 she doesnt know 1 she don't know 1 she has forgotten 1 she has head about it but she does not kwon how it works 1 she just head she don't know how it works 1 talk time 1 that register for mobile money 1 the don't no 1 the have heard about mobile money what it is 1 they. don't. no 1 to buy talk time 1 to buy talk time. 1 to get credit\ 1 top up airtime 1 transactions that can be accessed using a mobile phone 1 transfer of money 1 using a phone to transfer money 1 when u win they give you money 1 when you send you are charged 1 where you can borrow money 1 win houses 1 you can do transaction on the mobile phone 1 7.8.1. How did you first learn about mobile money? 4610 3961 1 Television 1666 2 Radio 775 3 Bank 33 4 Newspaper 29 5 sms 314 6 Family/friend 1008 7 Mobile money agent 341 8 Mobile money operator/Cell phone company 191 9 Billboards 53 10 Internet 1 11 Road shows 26 12 Colleages/co-workers 35 13 Other 138 Sysmiss 3961 7.8.1. How did you first learn about mobile money? 1121 7450 1 Television 0 2 Radio 412 3 Bank 2 4 Newspaper 46 5 sms 141 6 Family/friend 222 7 Mobile money agent 82 8 Mobile money operator/Cell phone company 85 9 Billboards 50 10 Internet 23 11 Road shows 13 12 Colleages/co-workers 16 13 Other 29 Sysmiss 7450 7.8.1. How did you first learn about mobile money? 319 8252 1 Television 0 2 Radio 0 3 Bank 11 4 Newspaper 44 5 sms 60 6 Family/friend 72 7 Mobile money agent 46 8 Mobile money operator/Cell phone company 21 9 Billboards 34 10 Internet 9 11 Road shows 10 12 Colleages/co-workers 2 13 Other 10 Sysmiss 8252 7.8.1. How did you first learn about mobile money? 65 8506 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 5 5 sms 10 6 Family/friend 15 7 Mobile money agent 6 8 Mobile money operator/Cell phone company 3 9 Billboards 13 10 Internet 6 11 Road shows 1 12 Colleages/co-workers 1 13 Other 5 Sysmiss 8506 7.8.1. How did you first learn about mobile money? 13 8558 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 0 5 sms 2 6 Family/friend 4 7 Mobile money agent 4 8 Mobile money operator/Cell phone company 0 9 Billboards 2 10 Internet 0 11 Road shows 0 12 Colleages/co-workers 1 13 Other 0 Sysmiss 8558 7.8.1. How did you first learn about mobile money? 8 8563 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 0 5 sms 0 6 Family/friend 2 7 Mobile money agent 1 8 Mobile money operator/Cell phone company 0 9 Billboards 2 10 Internet 1 11 Road shows 1 12 Colleages/co-workers 1 13 Other 0 Sysmiss 8563 7.8.1. How did you first learn about mobile money? 2 8569 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 0 5 sms 0 6 Family/friend 0 7 Mobile money agent 1 8 Mobile money operator/Cell phone company 0 9 Billboards 0 10 Internet 1 11 Road shows 0 12 Colleages/co-workers 0 13 Other 0 Sysmiss 8569 7.8.1. How did you first learn about mobile money? 1 8570 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 0 5 sms 0 6 Family/friend 0 7 Mobile money agent 0 8 Mobile money operator/Cell phone company 1 9 Billboards 0 10 Internet 0 11 Road shows 0 12 Colleages/co-workers 0 13 Other 0 Sysmiss 8570 7.8.1. How did you first learn about mobile money? 1 8570 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 0 5 sms 0 6 Family/friend 0 7 Mobile money agent 0 8 Mobile money operator/Cell phone company 0 9 Billboards 1 10 Internet 0 11 Road shows 0 12 Colleages/co-workers 0 13 Other 0 Sysmiss 8570 7.8.1. How did you first learn about mobile money? 1 8570 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 0 5 sms 0 6 Family/friend 0 7 Mobile money agent 0 8 Mobile money operator/Cell phone company 0 9 Billboards 0 10 Internet 1 11 Road shows 0 12 Colleages/co-workers 0 13 Other 0 Sysmiss 8570 7.8.1. How did you first learn about mobile money? 1 8570 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 0 5 sms 0 6 Family/friend 0 7 Mobile money agent 0 8 Mobile money operator/Cell phone company 0 9 Billboards 0 10 Internet 0 11 Road shows 1 12 Colleages/co-workers 0 13 Other 0 Sysmiss 8570 7.8.1. How did you first learn about mobile money? 1 8570 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 0 5 sms 0 6 Family/friend 0 7 Mobile money agent 0 8 Mobile money operator/Cell phone company 0 9 Billboards 0 10 Internet 0 11 Road shows 0 12 Colleages/co-workers 1 13 Other 0 Sysmiss 8570 7.8.1. How did you first learn about mobile money? 0 8571 1 Television 0 2 Radio 0 3 Bank 0 4 Newspaper 0 5 sms 0 6 Family/friend 0 7 Mobile money agent 0 8 Mobile money operator/Cell phone company 0 9 Billboards 0 10 Internet 0 11 Road shows 0 12 Colleages/co-workers 0 13 Other 0 Sysmiss 8571 7.8.2. Which mobile money providers are you aware of? 4610 3961 1 Airtel Money 2804 2 MTN Money 638 3 Zamtel 28 4 Xapit/Zanaco 30 5 Zoona 255 6 Other, specify 855 Sysmiss 3961 7.8.2. Which mobile money providers are you aware of? 2130 6441 1 Airtel Money 0 2 MTN Money 1801 3 Zamtel 61 4 Xapit/Zanaco 33 5 Zoona 199 6 Other, specify 36 Sysmiss 6441 7.8.2. Which mobile money providers are you aware of? 666 7905 1 Airtel Money 0 2 MTN Money 0 3 Zamtel 269 4 Xapit/Zanaco 70 5 Zoona 303 6 Other, specify 24 Sysmiss 7905 7.8.2. Which mobile money providers are you aware of? 108 8463 1 Airtel Money 0 2 MTN Money 0 3 Zamtel 0 4 Xapit/Zanaco 17 5 Zoona 73 6 Other, specify 18 Sysmiss 8463 7.8.2. Which mobile money providers are you aware of? 17 8554 1 Airtel Money 0 2 MTN Money 0 3 Zamtel 0 4 Xapit/Zanaco 0 5 Zoona 12 6 Other, specify 5 Sysmiss 8554 7.8.2. Which mobile money providers are you aware of? 1 8570 1 Airtel Money 0 2 MTN Money 0 3 Zamtel 0 4 Xapit/Zanaco 0 5 Zoona 0 6 Other, specify 1 Sysmiss 8570 7.8.2. Which mobile money providers are you aware of? (Other, specify) 939 0 .none 1 999 3 Bank and other companies 1 Bank,Bayport, 1 Barclays 3 Bayport 1 Bayport and Shoprite 1 Can't remember 3 Cant remember 1 Didn't pay attention 1 Didn't pay attention she just heard there's mobile money been talked about on the radio 1 Do not know exactly 3 Do not quite remember 1 Doesn't know 5 Doesn't know any 1 Doesn't know any company thats offers mobile money 1 Doesn't know any providers 1 Doesn't know the companies that provide mobile money service 1 Doesn't know the providers she only knows there's mobile money 1 Don't Know 4 Don't know 21 Don't know about any 1 Don't know any 1 Don't know it 1 Don't know them 1 Don't know. 1 Don't kwon 5 Don't kwon them 2 Don't kwon. 1 Dont kwon 6 Dont kwon them 1 Dont kwon. 1 FINCA and Bayport 1 FNB 3 First National Bank. FnB 1 Fnb 1 Go Tv,Zesco 1 Has forgotten the names 1 Have about it but am not sure of the company that provides it... 1 He doesn't know 1 He doesn't know any 1 He doesn't know any company 1 He doesn't know any mobile providers 1 He has no idea but he just see them on tv 1 He knows no provider 1 He thinks mobile is receiving free minutes 1 I 1 I Dont pay much attention.I just heard the word mobile money because I was busy 1 I am not aware of any companies that provided these services. 1 I am not aware of any mobile providers 1 I am not aware of any. 2 I can't remember 1 I can't remember them 1 I can't remember which network 1 I didn't hear much about the providers 1 I do not 1 I do not know 1 I do not know any 5 1 I don't know 91 I don't know I just hear people talking about it 1 I don't know I just hear them 1 I don't know any 32 I don't know any as am haven't paid any particular attention to their adverts 1 I don't know any company 1 I don't know any of the mobile money providers. 1 I don't know any of the providers. 4 I don't know any of them. 1 I don't know any providers but I just know that you can send and receive money using a mobile phone. 1 I don't know any. 2 I don't know but I just hear about it from tv 1 1 I don't know the names of mobile money providers 1 I don't know them 6 I don't know who provides mobile money 1 I don't know. 4 I don't konw 1 I don't pay much attention I don't know 1 I don't pay much attention to it 1 I don't really know and like I said I just hear about it on radio that "mobile money ". 1 I don't remember any 1 I don't understand it 1 I don't. know 1 I don't. remember 1 I dont know 1 I have forgotten 2 I have forgotten it has been a while 1 I have forgotten what they said. 1 I have just remembered hearing about mobile money but I didn't know the providers 1 I have never paid attention 1 I have no interest 1 I just hear mobile money that's all. I don't pay much attention. 1 I just heard people talking about it 1 I know non 1 I know the service providers 1 I may lie 1 I only know mobile money as a provider 1 I've forgotten 1 Invest trust 1 Kazang 1 Knows there's mobile money but don't know the providers 1 Mazhandu bus and at the post office 1 Natsave 1 No idea 1 No idea of. any mobile provider 1 None 13 None of the above 2 None. 1 Not sure 2 Not sure of what providers are there 1 Post, Shoprite 1 Respondent cannot remember what providers were mentioned on the advert on radio 1 Respondent doesn't know 2 Respondent doesn't remember 1 Respondent has forgotten 2 Respondent has forgotten what mobile tv advert she saw 1 Respondent has forgotten what she heard 1 Respondent has not bothered finding out 1 Respondent is not too sure 1 Respondent paid no mind to the providers 1 She doesn't know 1 She doesn't know any 1 She doesn't know any company that deals with mobile money 1 She doesn't know the companies 1 She has no idea 1 She knows no provider 1 She's just heard about mobile money but doesn't know exactly how mobile money works and the types 1 Shoprite 4 Standard Chatered, Shoprite 1 Trade Kings 1 We just hear it like that. we don't know. 1 Zampost 1 Zamtel 1 alumni banking at finance bank 1 am not really sure 1 am not so sure 1 am not sure 1 banks 2 banks. 1 bayport 2 can not remember 1 can't remember 7 cannot remember. 1 cant remember who provides mobile money 1 did not hear who who provides mobile money 1 did not pay attention 1 didn't pay much attention to know the service providers 1 dint know just hear 1 do not know 3 do not know any 5 does not know 11 does not know any 1 does not know any mobile mobile providers but he has head about them 1 does not know any mobile money operates 1 does not know any mobile money providers 1 does not know any of the mobile money providers 1 does not know at all 1 does not know of any 1 does not know them 1 doesn't know 12 doesn't know any 2 doesn't know any mobile money providers 1 doesn't know mobile mobile providers 1 doesn't know mobile money providers 1 doesn't know the mobile money providers 1 doesn't know the networks 1 doesn't really know any 1 doesn't. know 4 don't any mobile money providers 1 don't exactly know the network 1 don't know 164 don't know any 44 don't know any just heard about it 1 don't know any mobile money providers 10 don't know any network 1 don't know any of the mobile money providers 2 don't know any providers 1 don't know any providers just heard they is mobile money 1 don't know can't remember 1 don't know for sure who provides mobile money 1 don't know it 2 don't know just hear of it but don't know the providers 1 don't know many provider of mobile money 1 don't know mobile money providers 1 don't know much 1 don't know the mobile money providers 8 don't know the mobile money providers. 1 don't know the name. Not able to read. 1 don't know the names. 2 don't know the service providers 1 don't know them 4 don't know them...just heard the name. 2 don't know who provides mobile,don't pay attention to adverts 1 don't know who provides,haven't paid attention to the advert 1 don't know. 5 don't no any 1 don't pay much attention 1 don't remember 1 don't. know 9 don't. know what it meant 1 don't. know. any 1 dont know 3 dont know any 1 dont know the name of provider. i just hear about mobile money 1 dont know the types 1 dont know who provides mobile money 1 dont know who provides mobile money but i have heard an advert 1 dont know who provides mobile money, 1 1 dstv, zesco 1 econet 1 finca 2 first national bank and all banks 1 forgot 1 forgoten 1 forgotten 1 has just heard about mobile money but does not know any providers 1 has no idea 1 have forgotten 1 have forgotten the mobile money providers 1 he doesn't know 1 he don't know 1 i don't know 15 i dont knoe 1 i dont know 10 i dont know any of them 1 i dont know of any 1 i forgot 1 it's been long when he heard about mobile money he has forgotten the name of the provider 1 just hear of mobile money don't know the providers 1 just heard about it but have no idea about any providers 1 just heard nothing in particular 1 just heard that there is mobile money services I don't know the providers 1 just saw dat there is mobile but I have forgoten 1 kazang 1 know one. 1 l Do not know what services they offer 1 l Don,t know any, l just hear them on radio 1 makumbi money providers 1 makumbi under finance bank 1 napsa 1 natsave 1 no 1 no idea 23 no idea at all 1 no idea of mobile money providers 1 no idea of service providers 1 no idea of who the mobile money providers is/are 1 no knowledge of mobile money providers 1 no one. 1 no particular type known to respondent 1 non 5 non. Just hear the word mobile money 1 none 57 nono 2 noo 1 not any in particular 1 not any particular 1 not any particular service known to me 1 not aware of any 1 not aware of who provides this service 1 not know exactly 1 not sure 8 not sure of providers 1 not sure who provides these services 1 nothing 7 nothing. 1 on one 1 post office 12 post office. 1 post offices and shoprites 1 really not sure 1 she does not know any mobile money proved 1 she doesn't 1 she doesn't know 2 she doesn't know the providers but just heard about it 1 she don't know any Mobil money 1 shop rite and post office 1 shop rite money 1 shop rite,Bayport 1 shop rite,post office 1 shoprite 12 shoprite, post office 1 social welfare 1 standard chartered bank 1 stoprite 1 swift cash 9 swift cash and post 1 swift cash. 1 swiftcash 1 the post 1 there is is an agent 1 tried to probe but still doesn't know 1 u don't know 1 user money 1 western Union 2 zampost 2 zampost/swift cash 1 zavico 1 7.8.3. You would like to use a mobile phone to pay for goods and services 4610 3961 1 Agree 3105 2 Disagree 1097 3 Don't know 408 Sysmiss 3961 7.8.3. You would like to use a mobile phone to put money away so you can use it 4610 3961 1 Agree 2990 2 Disagree 1198 3 Don't know 422 Sysmiss 3961 7.8.3. You would like to use a mobile phone to put money away so you can use it later 7.8.3. You would like to use a phone to pay utility bills such as water bill 4610 3961 1 Agree 3262 2 Disagree 895 3 Don't know 453 Sysmiss 3961 7.8.3. One can easily lose money if you send/receive using a mobile phone 4610 3961 1 Agree 1037 2 Disagree 2605 3 Don't know 968 Sysmiss 3961 7.8.3. If you save money on your phone and your phone is lost you cannot get bac 4610 3961 1 Agree 1300 2 Disagree 2141 3 Don't know 1169 Sysmiss 3961 7.8.3. If you save money on your phone and your phone is lost you cannot get back your money 7.9.1. Have you ever used mobile money? 4610 3961 1 Yes 1142 2 No 3468 Sysmiss 3961 7.9.2. Are you currently using mobile money? 1142 7429 1 Yes 749 2 No 393 Sysmiss 7429 7.9.3. Are you registered to use mobile money? 3861 4710 1 Yes 413 2 No 3448 Sysmiss 4710 7.9.4. What is the main reason why do you not use mobile money? 7730 841 1 I do not know what it is 962 2 I do not know how to get it 510 3 I do not have the required documents 68 4 There is no point-of-service/agent close to where I live 110 5 I do not need it, I do not make any transactions 375 6 Registration is too complicated 26 7 Registration fee is too high 20 8 Using it is difficult 41 9 Fees for using this service are too high 38 10 No one among my friends or family use this service 44 11 I do not understand this service; I do not know what I can u 178 12 I do not have a smartphone 61 13 I do not trust that my money is safe on a mobile money accou 75 14 My spouse, family, in-laws do not approve of me having a mob 5 15 It is against my religion 0 16 I don't use it because all agents are men 0 17 Mobile money does not provide anything better/any advantage 43 18 Other, specify 1305 19 Have never heard of mm 3869 Sysmiss 841 7.9.4. What is the main reason why do you not use mobile money? [Other (specify) 1305 , 1 A bank is enough for my financial savings and money transfer services. 1 Am getting the service somewhere else! 1 Am not prepared. to use it 1 Am not registered. 1 Am not yet registered 1 Am still attending school 1 Because I already use Chilimba saving. 1 Because I do not have a mobile phone. 1 Because I don't have a specific job 1 Because I don't work now 1 Because I have not registered to use the service. 1 Do not have funds to deposit 1 Doesn't have a phone 2 Doesn't have a phone to use it for 1 Doesn't have bills to pay and money to send 1 Doesn't have money to use it for 1 Doesn't have money to use mobile money 1 Doesn't offer financial security 1 Doesn't see any use because she doesn't have money to save on the phone and its not done here 1 Doesn't trust it 1 1 1 Don't have an income 1 Don't have an income for such activities.. 1 Don't have enough 1 Don't have enough money 2 Don't have enough money to save 1 Don't have money to save 4 Don't have money to save. 1 Don't have money to send... 1 Don't have money to start using it 1 Don't have people to send me money or who send money to me 1 Don't have the money to send or someone to send to 1 Don't have whom to send or receive from 1 Don't know how its 4 Don't kwon it 1 Don't need it 1 Dont any money to save 1 Dont have any one to send me money or to receive from anyone 1 Dont have the send or recieve 1 Dont know how it work 1 Dont know how it works 1 Have a new SIM card. 1 Have not had the time to 1 Have not tried it before... 1 Haven't paid attention to it's 1 Haven't paid it much mind 1 He doesn't have a phone 2 He doesn't have enough money 1 He doesn't have enough time 1 He doesn't have money 2 He doesn't have people to send money to 1 He doesn't know how it works 1 He doesn't know how to use it 1 He doesn't really know how it works 1 He has no access 1 He has no money 1 He has no money to send or save 1 He has no phone 1 He is registered in the lost SIM card but the Question still asks Why He is not registered. 1 He say he doesn't have for him to be using it 1 He uses commercial banks 1 His currently not on phone and the place is far were to get access too 1 I always lose fones 1 I am afraid that I might lose my phone and I can lose my money 1 I am always busy these days but am yet to use the service again 1 I am disturbed with the environment here. We have network problems. 1 I am just used to zoona 1 I am not in use of it right now 1 I am not interested 1 I am not used to use mobile money 1 I am pregnant so I fail to move 1 I am pregnant. I don't go there to deposit. I will start later. 1 I am scared to use it 1 I am yet to register 1 I believe using mobile money you can lose money 1 I can't get back my money if the phone get lost 1 I did not 've Monet to save in there 1 I didn't know how to use it 1 I dint have money to use such services 1 I dint use just 1 I dnt have a phone 1 I do not have a phone 1 I do not have an income 1 I do not have money 1 I do not have money for me to use it 1 I do not have money to send 1 I do not have money to use it 1 I do not have money to use through mobile money 2 I do not have money yet 1 I do not have time 1 I do use it but not often because I use the services when I need to 1 I don't 've money to save 1 I don't feel comfortable to use it. 1 I don't find it necessary to use it 1 I don't gave money to send 1 I don't have a chance to send to any one 1 I don't have a mobile phone 2 I don't have a mobile phone. 3 I don't have a phone 22 I don't have a phone and interest 1 I don't have a phone as well as money 1 I don't have a phone. 2 I don't have a reason 1 I don't have a reason for not using it 1 I don't have a reason for not using mobile money. 1 I don't have a sted income 1 I don't have an account there no such facilities here 1 I don't have an interest. 1 I don't have any one to send money to 1 I don't have anyone to send me money 1 I don't have anything with that as at now 1 I don't have cash. 1 I don't have enough income 1 I don't have enough information about it 1 I don't have enough money 2 I don't have enough money and I lost my phone and I can't remember my account number . 1 I don't have enough money currently 1 I don't have enough money to deposit in my mobile money account 1 I don't have enough money to save 1 I don't have enough money to save. 1 I don't have enough money to use the service 1 I don't have enough money to use this service. 1 I don't have enough money. 3 I don't have interest 4 I don't have interest in the service. 1 I don't have internet. 1 I don't have money 21 I don't have money and I don't have any one to send me money using mobile money 1 I don't have money and I'm not working 1 I don't have money for me to use mobile money 1 I don't have money to do that 1 I don't have money to put in my account due to unemployment situation. 1 I don't have money to save 4 I don't have money to save because every money I have goes straight to things for the house 1 I don't have money to save moreover I am still schooling 1 I don't have money to save with them 1 I don't have money to save. 1 I don't have money to send 5 I don't have money to send or anyone to send me money 1 I don't have money to send or receive 1 I don't have money to send or save 1 I don't have money to send/receive 1 I don't have money to start saving 1 I don't have money to start using it 1 I don't have money to that am still attending school 1 I don't have money to use 1 I don't have money to use for 1 I don't have money to use mobile money 1 I don't have money to use. 1 I don't have money to use. for it 1 I don't have money, 1 I don't have money. 2 I don't have money. many if I started working 1 I don't have money...so I can't use it 1 I don't have more details on mobile money 1 I don't have much cash 1 I don't have much information about it 3 I don't have much information about that 1 I don't have much knowledge about it 1 I don't have never used it 1 I don't have people to send money to 1 I don't have the money 1 I don't have the money to take there 1 I don't have time 1 I don't have time because I get so busy 1 I don't have time but I might use in the future 1 I don't have time for it 1 I don't have time for the service. 1 I don't have time to go and get enough information because I don't have an account 1 I don't have use for it at the moment 1 I don't have what to take there 1 I don't how to use it am still attending school 1 I don't just want to 1 I don't just want to use it. 1 I don't know 3 I don't know about it. I need someone to educate me 1 I don't know how it operates 1 I don't know how it works 1 I don't know how they operate 2 I don't know how to use it 3 I don't know how to use it but I received money through someone who use mobile my neighbor 1 I don't know how to use it. 1 I don't know it 2 I don't know it and I don't have a mobile phone. 1 I don't know much about it 2 I don't know much about it. 1 I don't know them 1 I don't know them and I don't have a phone 1 I don't know very well 1 I don't know what to do with it 1 I don't know. 1 I don't like it 1 I don't money to put in there 1 I don't money to save 1 I don't need it 2 I don't need it at the moment 1 I don't need it for now 1 I don't pay attention to it 1 I don't pay attention to it cause I don't have a tv 1 I don't pay much attention I don't know 1 I don't really know about 1 I don't really know about it 1 I don't really know how it works 2 I don't really know it 1 I don't really no how it works 1 I don't really pay attention to the details concerning mobile money 1 I don't trust it 1 I don't trust mobile money and it's not accurate to use 1 1 I don't understand how it works 1 I don't want 3 I don't want it 1 I don't want it. 1 I don't want to. 1 I don't. have any reasons 1 I don't. have enough money 1 I don't. have enough money to save 1 I don't. have money 1 I dont have a phone. no one can send me money. .am suffering 1 I dont have enough knowledge 1 I dont like it,. 1 I dont like using it 1 I dont not intended to use it yet 1 I dont own a phone aa yet 1 I find banks more convenient 1 I forget that I have mobile money 1 I forgot my pin 1 I forgot my pin number 1 I forgot the pin number 1 I get financial services from banks 1 I give my sister the SIM card she is the one using it 1 I had been unregistered 1 I had on phone 1 I have a new phone and simcard 1 I have an account 1 I have been busy 1 I have don't have money 1 I have just heard about it 1 1 I have just not taken the time to know how it works 1 I have know interest 1 1 I have never seen them 1 I have never thought about it 1 I have never tried it 2 I have never tried it because I don't have time 1 I have never tried to 1 I have never tried to do that 1 I have never used it 1 I have no fixed income 1 I have no interest 2 I have no intrest 1 I have no me to send money to or to send me money 1 I have no money 1 I have no money for such 1 I have no money to put in my mobile money acciunt 1 I have no money to use 1 I have no money to use for such 1 I have no need for it 1 I have no reason 7 I have no resources 1 I have nobody to send me money 1 I have not been educated to use it and I don't have a personal phone 1 I have not fully understood the benefits of it 1 I have not opened yet 1 I have not registered 2 I have not registered to use this service 1 I have not started 1 I have not taken keen interest to know about it 1 I have not tried 1 I have not tried it 1 I have not tried to use it or to find out about this services 1 I have not yet opened an account 1 I have nothing to save 1 I have relatives who are very far that I need to sent money for 1 I have very few people that I can send or receive using the service because most of them are near and others are not fam 1 I have yet started making more money 1 I haven't gone to register 1 I haven't had the need too 1 I haven't joined 1 I haven't paid particular attention 1 I haven't put money 1 I haven't put money there because money is hard to find 1 I haven't registered 1 I haven't thought much about using it 1 I haven't yet made an effort 1 I haven't yet registered 1 I haven't. yet had anyone. to send money. to 1 I just didn't register. No specific reasons. 1 I just don't have Interest in mobile money services 1 I just don't have a reason 1 I just don't have time but I intend to join son 1 I just don't like it 1 I just don't like it,its not efficient 1 I just don't want 7 I just don't want it 1 I just don't want to 2 I just don't want to use mobile money 1 I just don't want... 1 I just feel lazy 1 I just feel lazy to register because I like using Zoona 1 I just have no interest 1 I just have not started 1 I just know it but I don't have a full idea of what it really is 1 I just stopped using it because my uncle who sends me money is using the bank now to send me money 1 I just. don't want 1 I lost my PIN code. 1 I lost my SIM card. 1 I lost my phone 2 I lost my phone for now 1 I lost my pin number 2 I lost my secret pin 1 I lost my sim card which i was using for mobile money 1 I lost the SIM card 1 I lost the SIM card and I did not replace it 1 I never had use for the service not until recent when my friends shared to me the benefits of mobile money 1 I no longer receive money through this way 1 I normally don't have income 1 I rarely have money 1 I see no need to use it 1 I think I don't have interest 1 I use it one day 1 I use other services 1 I used to but i lost my SIM card 1 I used to but i lost the pin number 1 I used too much money or airtime 1 I want to open but just feel lazy 1 I was away in the bush 1 I was just delaying to register 1 I will do in the near futures 1 I will start when I have money 1 1 I would like to open an account but I don't have time 1 I would like to register for mobile money but most of the money I have is for rent and household expenses 1 I would like to use mobile money but I don't have money to deposited in the account. 1 I you are working for a company than doing piece works. 1 I'd registered but I couldn't make a transaction 1 I'm currently not stable financially 1 I'm not currently in the capacity to sustain it 1 I'm not registered 2 I'm not registered, but thinking of starting to use it in the near future 1 I'm not sending or receiving money at the moment 1 I'm not used to it 1 I'm not very much informed about it 1 I'm not working and I'm a student 1 I'm thinking of registering 1 I've just started getting an income I plan to use it 1 If need araises I will start using it 1 In due time, respondent will start using it 1 In my area we don't have mobile money 1 Insufficient funds to save 1 It encourages me to misuse my money on talk time 1 It has no benefits to me 1 It used with it. 1 Just Nothing 1 Just doesn't want to 1 Just don't use it 1 Just don't want to use it 1 Just dont want too 1 Just heard about it but doesn't know the details 1 Just saw a post in the shop with details but doesn't really know how to go about it 1 Lack of cash 1 Little information about it 1 Lost the password 1 My SIM card is blocked. 1 My income is not enough 1 My registered SIM card got damaged 1 NOT familiar to it 1 Network failure 1 New put it into consideration 1 Nina mali 1 1 1 No GSM network. 1 No any reason 1 No interest 3 No money 2 No money to put 1 No money to receive or send using it 1 No network coverage here 1 No one to send money to 1 No particular reason. 1 No reason 4 No reason at all 1 No specific reason 1 1 Not available in the community 1 Not having enough Money to save or someone to send to 1 Not in the community. 1 Not interested 2 Not interested in using it 1 Not interested in using mobile money 1 Not interested. 4 Not ready 1 Not ready join 1 Not ready to join. 1 Not ready to register 1 Not registered 2 Not registered yet 1 Not reliable 1 Not yet ready 2 Not yet ready to join 1 Not yet registered 2 Nothing 11 Nothing I just having registered 1 Respondent does not have enough money to deposit 1 Respondent does not trust mobile money 1 Respondent doesn't have enough money to save 1 Respondent failed to respond 1 Respondent feels lazy to use it because depositing will require her to go into town 1 Respondent hasn't paid it much mind 2 Respondent hasn't taken interest 1 Respondent is not interested 1 Respondent is registered but isn't currently using it 1 Respondent is waiting. to get an Airtel SIM to register 1 Respondent just doesn't want to use mobile money 1 Respondent just hasn't paid any mind to mobile money services 1 Respondent just hasn't tried 1 Respondent prefers services offered by the bank 1 Respondent registered yesterday and is waiting for it to be activated 1 Respondent stopped using m.m services cause she used to misuse her money 1 Respondent will try it out in the days to come 1 Respondent's SIM card went missing together with phone 1 SIM card blocked 1 SIM card needs replacement 1 Sending you an sms telling that you won something that you did not win 1 She doesn't have a phone 2 She doesn't have a reason. 1 She doesn't have enough knowledge about it 1 She doesn't have enough money 1 She doesn't have intrest. 1 She doesn't like it. 1 She doesn't need it for now. 1 She doesn't really know how it works 1 She has Xapit so she doesn't see the need to join mobile money 1 She has no enough money to save 1 She has no handset 1 She has no interest 1 She has no money to transact with them 1 She has no phone 1 Sight Challenged 1 Source of income leaves no money to put into mobile money account 1 Such services are new in this area and I would like to use them soon 1 That she doesn't have money 1 The don't have the service in the community. 1 The facilities are not available here 1 The need is not there 1 The network is poor in this area. 1 The outlet close to where I live was closed because an agent who was working on the man mobile money outlet was killed a 1 The services are not yet inefficient. 1 There are no such services been offered on this area 1 There is network problem in Chikanzaya(Here where I live) 1 There is no network where I am found. 1 There nature of what I am doing doesn't allow me to do that 1 There's no one to send money to of late 1 There's no reason 1 They can still my money 1 U don't feel comfortable to use it. 1 U don't have money 1 Wants to start now since he, makes little that he can save 1 Was not interested at first 1 We are in the village and it's not available here 1 We don't have mobile money providers here. 1 Will do it some other time. 1 Will sart later 1 Will start if i have enough money 1 Will start later 1 Will use in future 1 Will use it when I complete school 1 Will use with the right time 1 You don't have money to use the service 1 You were just trying 1 afraid i may lose my phone 1 agents are too far from my locality 1 already has a bank account 1 am afraid the money might get lost 1 am comfortable with capital account 1 am just lazy at registering for the sam 1 am just not interested 1 am just used to sending through the post office 1 am not financially okay 1 am not interested 2 am not interested because I will be miss using money 1 am not ready to use it 1 am not used to it 1 am not very much educated about how to use it 1 am not well informed about it 1 am still attending school i can not afford that 1 am still too young to use mobile money 1 am still young 1 am used to other money services like using the post office 1 am very far to were the services are provided 1 am yet to try it 1 another 1 be doesn't have a reason. 1 because I don't have a phone 1 because I don't have an account. at the bank 1 because I have other accounts 1 because I use another service 1 because i don't have money to send to any person 1 because i don't know them and it's hard to trust them 1 because i have other ways of saving than mobile money 1 because i prefer using my bank account 1 because of network problems 1 because of the place where she is where there is no network 1 1 been just reluctant to open one 1 1 comfatable with the bank but if i have enough eanings i can have my own mobile 1 decided. to stop 1 did not have a phone 1 do not have interest on mobile money 1 do not have money 2 do not have the money to use it for 1 do not own a phone. 1 does bot have anyone to send money to or received from. 1 does not exactly what it is 1 does not feel safe using mobile money 1 does not have a mobile phone 1 1 does not have enough information about it 1 does not have money to save 1 does not have the money to use for the same 1 does not just want 1 does not know how it operates 1 does not really understand what it is and havent put in much interest to learn more 1 does not trust the sytem 1 doesn't have a recipient to send to 1 doesn't have an account 1 doesn't have an nrc 1 doesn't have enough money 1 doesn't have money 1 doesn't have stable income 1 doesn't see the need 1 doesn't trust them 1 don't feel like 1 don't have a mobile p 1 don't have a mobile phone 1 don't have a phone 6 don't have a working mobile phone at the moment 1 don't have an account 1 don't have anyone to send me money 1 don't have anyone to send money to me 1 don't have enough information on how to use it 1 don't have enough money 11 don't have enough money to engage myself in such 1 don't have enough money to register 1 don't have enough money to save 4 don't have enough money to save also on mobile money 1 don't have enough savings. 1 don't have enough. money 1 don't have funds to meet mobile money requirements 1 don't have interest 3 don't have money 19 don't have money for it 1 don't have money for me to use it 1 don't have money to maintain 1 don't have money to put in the account 1 don't have money to put there 1 don't have money to register 1 don't have money to save 6 don't have money to save with mobile money. 1 don't have money to send 1 don't have money to send or receive 1 don't have money to send or save using mobile money 1 don't have money to use 3 don't have money to use for mobile money. 1 don't have money to use it 1 don't have money to use it for 1 don't have more information about it 1 don't have most of the requirements I can get from it.. 1 don't have much income to save with mobile money service. 1 don't have much income to save with mobile money. 1 don't have much information 1 don't have much money to start using it 1 don't have phone 1 don't have stable income 1 don't have sufficient credit to use . 1 don't have sufficient money to transact the mobile money 1 don't have sufficient money to use mobile money 1 don't have the income to put in there 1 don't have time 1 don't have time to open it 1 don't have use for it at the moment 1 don't it know it well 1 don't know 8 don't know how it works 2 don't know how to register 1 don't know how to use 1 don't know it 2 don't know it. 2 don't like using mobile money 1 don't no how it works 1 don't no how the work 1 don't pay much attention to it 1 don't send or receive money using mobile money. 1 don't they don't have anyone to send them money 1 don't trust it 1 don't trust the phone and the service 1 don't trust them 3 don't want 1 don't want to 4 don't want to use mobile money 2 don't. have enough money 1 don't. have money. 1 don't. remember the mobile money pin 1 dont have a mobile phone 1 dont have a phone 3 dont have money to save in the mobile account 1 dont have money,phone and dont know how to use it 1 dont pay any attention to it 1 dont trust them 1 dont want to use mobile money 1 fear that money can get lost 1 feel lazy to register with mobile money 1 feel lazy to use mobile money 1 feels Sesheke is in a Bush and has network problems 1 feels insecure 1 financial constraints 1 financial indiscipline. it's like having money in my pocket 1 had no interest as I use the bank 1 has no enough money 1 has no phone 1 has not thought about it 1 hasn't taken keen intetest 1 have already an account. 1 have chosen to use it some other time later 1 have know money. 1 have never thought about it 1 have no idea 1 have no income to use 1 have no income to use it 1 have no interest 3 have no money 1 have no money to deposit 1 have no money to use mobile money 1 have not money 1 have one to send money to 1 haven't had a chance to register 1 haven't studied it very well 1 haven't yet sent money to anyone. will probably use it when I have a phone in future. 1 he doesn't have interest 1 he doesn't have money 1 he don't have money to send 1 he say network failures and mostly when u lose a phone 1 he thinks its difficult to use 1 he use bank 1 i Have a bank account 1 i am yet to start using it. i just registered 1 i can use it if i usually have a stable income 1 i did not have enough money 1 i didn't have a phone 1 i do not need it as at now 1 i do not use mobile money because there is nobody to send money to 1 i don't have a phone 1 i don't have a zamtel SIM 1 i don't have enough money to save 1 i don't have enough time to register 1 i don't have enough to save 1 i don't have interest 3 i don't have money that i can send or even receive 1 i don't have money to deposit 1 i don't have money to justify it 1 i don't have the interest 1 i don't know how to use it. 1 i don't know the importance of it yet 1 i don't know why am not registered 1 i don't like it 1 i don't no what to do 1 i dont have a phone 1 i dont have cash 1 i dont have enough money 3 i dont have interest in using it 1 i dont have money 4 i dont have money at the moment 2 i dont have money to save 2 i dont have money to save on it 1 i dont have money to save with mobile money 1 i dont have money to send 2 i dont have much information 1 1 i dont know how it works 1 i dont send or receive money often 1 i dont trust it 1 i dont use because i can be using my savings easily 1 i dont want 1 i dont want to 1 i dont. have. enough time to get. familiar 1 i have been ignorant 1 i have never had interest in the mobile money arrangements 1 i have never had time to get much information regarding mobile money 1 i have never just tried it 1 i have never tried it 1 i have no account 1 i have no interest 2 i have no interest in using mobile money 1 i have no reason 1 i have not opened account yet 1 i have not registered yet 1 i have not yet started working 1 i just dont want 1 i just dont want to 1 i lost my Sim Card 1 i need someone to explain for me 1 i never took it so serious 1 i travel alot and to some other areas that i visit there is no such a service 1 i tried to register but nothing happened, they haven't responded yet 1 i use othservices like zapit 1 i'm comfortable with other service's I use 1 iam suppose to use it now. 1 iam used with a bank 1 ignorance 1 in his condition he says he can't. he is physically challenged and cannot see 1 insufficient. funds 1 interest. 1 it does not provide proper documentation 1 it has never crossed my mind to register 1 it is not lirayebo 1 it is too far 1 it should skip 1 it was just a one time thing when the brother sent him money 1 it was making me abuse my money 1 it's far from here 1 it's for educated people 1 it's for young ones 1 it's not efficient 1 it's not efficient in terms of the network 1 it's not every time will have money. to use mobile 1 it's not good 1 it's not safe 1 it's only for those who have more money 1 it's risk 1 it's very far 1 its difficult to get the details in my home village when one loses their phone 1 just Dont want to use it 1 just doesn't want 1 just don't want 2 just don't want to use it 1 just don't want to use mobile. money 1 just dont want to use 1 just have not yet registered no other reason 1 just not 2 just stopped 1 just use zooms agents to send money 1 just used with post office 1 just want to 1 know reason 18 know reasons 5 l Don,t have money that l can take mobile money 1 l Don,t send money as now 1 l don't work. 1 l have a bank account 4 l use the bank 1 lack of money 1 lack. of money 1 laziness 1 less knowledgeable 1 long queues 1 losing money 1 lost SIM card 1 lost confidence with some providers 1 lost my SIM card and the replacement process is very complicated 1 lost my phone 1 lost my pin 1 lost phone 1 lost pin number 1 lost tegistered simcarf 1 lost the SIM card 1 lost the registered SIM card 1 luck of interest 1 many people are crafty 1 medical condition eye sight can't see clearly wouldn't want to be cheated 1 mobile agents are very far from were we are 1 mobile money provider's are very far from my village 1 money is little 1 money isnt enough 1 most of the time when i try to use it there is no network 1 mostly use my bank account 1 my SIM got lost so I haven't yet registered on this new SIM am using. 1 my age I don't think it's worth it 1 my phone is new 1 my phone is not functional 1 my phone is not working 1 my phone is not working properly once it starts working I 'll start using mobile money 1 network failure 1 network is very bad 1 never had the opportunity 1 never tried 1 no access to it 1 no agents near by. 1 no enough money 2 no enough money to save 1 no enough money. to use mobile money 1 no idea 1 no interest 19 no interest in it 1 no interestc 1 no money 4 no money in her account 1 no money is there to save 1 no money to put 1 no money to put in 1 no money to save 8 no money to send 3 no money to send or receive 1 no money to send, no one to send to 1 no money to send/ save. 1 no money to use it for 2 no money to use it for. 1 no money to use mobile money services 1 no need, I'm old 1 no network 1 no network coverage 1 no network in our area 1 no one can send money to me 1 no one sends money for him 1 no one to send me money 1 no one to send money to 1 no one to send to currently 1 no one use mobile money in our family 1 no opportunity yet 1 no particular reason 2 no particular reason have used other means 1 no people send money to 1 no reason 40 no reason I just. haven't used it before 1 no reason at all 3 no reason, I just don't want 1 no reason, it's just a matter of time I might start using it 1 no reason. 1 no reason. it's just time Wil start when I wish 1 no reasons 2 no reson 1 no savings at all 1 no time 2 no time to open an account 1 not allowed by the the mobile providers to register 1 not comfortable 1 not convenient, but will start in due time 1 not currently interested 1 not enough income to sum aside for such 1 not enough money to register for this 1 not enough money to save 2 not has been locked and respondent waits until can buy a new phone to use mobile money 1 not having enough money 1 not interested 15 not intrested 1 not now 1 not registered 1 not registered to use mobile money 1 not safe 1 not used. 1 not yet decided 1 not yet prepared 1 not yet ready 1 not yet ready to start using it 1 nothing 27 nothing to use at the moment 1 nothing. 2 only used it once because it wad an emergence. at the moment in so not need it. 1 phone is not working 1 planning to do so 1 planning to do so very soon 1 poverty 1 registered by never used it 1 respondent does not have any one to send and receive money from 1 respondent does not have sufficient information about mobile money but intends to register 1 respondent hadn't had the time to register 1 respondent hadn't paid much attention to learn more about mobile money 1 respondent has little information therefore no interest in the services 1 respondent has no access to mobile money services 1 respondent has no interest 1 respondent has no money to save at the moment 1 same method is been used by banks so I would rather rely on the bank 1 satisfied with the banking services 1 scared of cyber crime 1 she didn't have a mobile phone 1 she didn't need it back then coz she didn't have enough money to save. 1 she didn't no how to use it 1 she does have money to send through mobile money 1 she does not kwon how it works 1 she doesn't have a phone 2 she doesn't have enough money 1 she doesn't have money to use for mobile. money 1 she doesn't have phone 1 she doesn't want 2 she don't mobile money. 1 she has never used mobile money 1 she has no money to save 1 she is registered but don't use it and the reason is nothing 1 she just has not taken it seriously 1 she not payed much attention 1 she using Mobil money 1 simcard blocked 1 slightly inconveniencing 1 some other time 1 someone does it for me 1 sufficient funds 1 the bank account I have is enough to do all the transactions 1 the boma(town) is too far. from here 1 the frist time l used mobile phone to sent money was just sent. 1 the nature of my work can't allow 1 the phone is damaged . 1 the will use it in the future 1 there are few how send useing mobile money 1 there is no network 1 there is no network coverage 1 there's no one to send to her 1 these facilities does not exist here 1 these no mobile money in my village 1 they are not there in my location now 1 they don't have who's to send to 1 they have nothing to do with it 1 they just use mobile money 1 they send me money through zampost zoona 1 they steal money 1 they. don't. how it works 1 think the transactions are complicated 1 thought she was underage 1 too busy 1 too busy with work 1 too busy. to register 1 too far 1 too far to access these services 1 too incovienece 1 too many projects that respondent has not put much effort to know more about such services 1 trust 1 u don't cash 1 unless if I had more information about it 1 unstable financial status 1 use other means 1 use postofice 1 used to zoona 1 uses the bank 1 uses xapit 1 using a faulty 1 was busy and did not have a phone 1 was disappointed cause the money did not get to me cause of network failure. 1 we are used to using banks 1 we dnt have such services here because its very far 1 we do not have it in our community 1 we don't have agents here 1 we don't have such services here 1 we don't have them here. 1 we don't. have it here 1 we have just been taught recently by Dunavant how to use mobile money 1 when he wants to withdraw a lot there is a situation of insufficience 1 when we need it we will use it.. 1 will try it in future 1 you can only use you have a lot of money but I don't have money 1 you do not work 1 you need to be more sensitised 1 7.9.4. What is the main reason why do you not use mobile money? [Other (specify)] 749 7822 0 137 1 95 2 73 3 44 4 28 5 32 6 54 7 34 8 44 9 56 10 41 11 44 12 67 Sysmiss 7822 7.10.1. When did you first start using mobile money? Year 749 7822 2006 9999 7.10.2. When did you first start using mobile money? 138 8433 1 Up to six months ago 22 2 Between 6 months and a year ago 28 3 Over a year ago, but less than 2 years ago 12 4 2 years or more ago but less than 5 years ago 54 5 5 years ago or more 7 6 Don't know/Can't remember (Don't read) 15 Sysmiss 8433 7.11. What is the main reason you started using mobile money? 749 7822 1 I had to send money to another person 188 2 I had to receive money from another person 181 3 Somebody/a person requested I opened an account 18 4 I had to send money to an organization/government agency: e. 18 5 I had to receive money from an organization/government agenc 3 6 An organization/government agency requested I signed up for 2 7 An agent or sales person convinced me 15 8 I saw posters/billboards/radio/TV advertising that convinced 11 9 A person I know, who uses mobile money, recommended I use mo 17 10 I saw other people using it and wanted to try by myself 7 11 I wanted to start saving money with an m-money account 49 12 I wanted a safe place to store my money 35 13 I got a discount on airtime 3 14 I got a promotional amount of money to spend if I start usin 1 15 Most my friends/family members are already using it 10 16 Other, specify 191 Sysmiss 7822 7.11. What is the main reason you started using mobile money? [Other (specify)] 191 0 Because it's safe and easier to send and receive money 1 Because of good services e.g easy to buy talk time 1 Charges are reasonable. 1 Cheap 1 Convenience 1 Convenience when paying utility bills 1 Easy access 1 Easy and convenient 1 Fast and easy transactions. 1 For paying water bills and electricity 1 Had to open so that she pays utility bills because where she was paying from was far 1 I can easily access my money even when I want to get air time 1 I did it for convenience purposes 1 I don't have an Account at bank hence use mobile money 1 I had to pay bills 1 I had to receive money from my husband 1 I hate standing in a Que 1 I just got interested to use it 1 I just wanted 1 I started because I wanted to pay bills 1 I started using mobile money because people said that it was good. 1 I think it's one of the easiest way to keep and send money 1 I thought it us a quicker way of paying for bills 1 I used to over spend 1 I wanted other means of saving money 1 I wanted to buy air time 1 I wanted. to save money 1 I was doing business 1 I was encouraged that you can buy air time using mobile money 1 I was interested in incentives offered 1 I was using to sell talk time 1 I was wasting money too much so I needed to be saving money 1 I would have extra money like five mwachoma and decide to save with mobile money. 1 It assists me to buy electricity 1 It easy to use than any other means 1 It has made things easy for respondent to send money 1 It is fast 1 It is quicker to use 1 It is the easiest way to send money 1 It's convenient 1 It's easier for me to use such as paying electricity bills,send money and saving some money 1 It's easier to use 1 It's easy and less costly to use 1 It's easy to pay bills such as water and electricity 1 It's fast when sending money. 1 It's the cheapest way of sending money 1 Its easier and cheap 1 Less convience 1 Quick access when checking for my balance. 1 Respondent wanted to save money with it 1 The bank advertised and he thought he could try out the E Wallet 1 To have easy access to the money 1 To save money 1 because I wanted to save money 1 because it had products that were easily accessible 1 because it is easier to send and receive using mobile money 1 because it's easy and it's near my place 1 because it's fast to send money and u don't waste time 1 because the agent's are near to were I stay. 1 because. am their customer 1 buy airtime 1 buying electricity 1 cheap and fast 1 convenient 1 easier and affordable 1 easier to pay electricity bills 1 easy access 1 easy access to buy things 1 easy access to money even in places without banks. 1 easy access. 1 easy to pay utility bills and it is time saving 1 easy to send and receive 1 easy to use 1 easy way to withdraw money 1 fast and efficient. 1 fast and quick 1 fastest mode of money transfer 1 for buying air time 1 for easy access 1 for easy access to travel 1 for easy money transaction 1 for easy paying of utility bills 1 for easy payment of bills 1 for safe keeping 1 for saving purposes 1 had to go receive money on family members behalf 1 i had to pay bills 1 i had to pay for dstv 1 i just use mtn 1 i wanted to start saving 2 i wantend to just try it out 1 in case i don't have cash hand 1 in order that send and receive 1 interested in the product 1 it is an easy way of sending money 1 it is better than lining up at a bank 1 it is cheaper 1 it is convenient 1 it is easier to use than banks 1 it is easy they are no lines 1 it is easy to access my money and use it any time 1 it is easy to send and receive 1 it is easy to use 2 it makes thing easy to do 1 it was convenient to receive money when respondent was in a rural area 1 it was easier for me to pay bills 1 it was easy to send 1 it was faster 1 it was near and convenient to use due to the small amount I was sending 1 it's a cheapest 1 it's accurate and it saves time 1 it's affordable 1 it's cheap 1 it's cheap and fast 1 it's cheaper 1 it's cheaper and easier and fast 1 it's cheaper and faster 1 it's cheaper and safer 1 it's cheaper to use 1 it's convenient 4 it's convenient and faster 1 it's convenient. 1 it's easier than 1 it's easy and cheap to use 1 it's easy and cheaper to send money. 1 it's easy and quick 1 it's easy fast and safe. 1 it's easy to get money 1 it's easy to use 4 it's easy to use and cheap 1 it's efficient and quick 1 it's fast 1 it's faster 2 it's instant and convinient 1 it's is to use 1 it's quick and safe 1 it's reliable and you can translate 24hrs, seven days a week 1 it's very fast to use 1 it's. cheap. to open. and account. and you can withdraw from anywhere 1 its an easy way of transacting 1 its convinient 1 its easy to use and access it 1 its faster 1 keep money safe 1 lts faster 1 my money was too little to save in a bank and this was the only. way I could. save my money 1 needed an easy way to send or receive money 1 paying billd 1 paying of Bills 1 quick and easy to use 1 quick way of sending money 1 save money 1 saving 2 sending and recieving 1 the money is received quickly 1 the only reason we use it for is for sending money not saving 1 the services are good. their charges are fair 1 the. nature. of my work. it's convenient 1 there is no expenses 1 to avoid congestion from the bank 1 to buy airtime 1 to have that account for paying my bills, 1 to pay bills 1 to pay utility bills 1 to save money 3 to save on time 1 to save. money. so that I can use it in future 1 to use for power purchasing 1 to use it to keep money 1 using it to buy talktime 1 very fast 1 wanted to buy talk time 1 wanted to keep money 1 wanted to pay for bills 1 wanted to try 1 was easy to.receive 1 was out of lusaka 1 was told it enables one to send money fast 1 you can save any amount of money 1 7.12.1. Which of the following statements applies to you? 749 7822 1 51 2 95 3 You are registered to use mobile money 603 Sysmiss 7822 7.12.2. What is the main reason why you are not registered? 146 8425 1 I do not have a state ID or other required documents 10 2 There is no mobile money agent close to where I live/work 5 3 Fees for using such account are too high 1 4 I can have all the services through an agent, I do not need 12 5 Registration fees are too high 1 6 I prefer that agents perform transactions for me, they will 1 7 I do not trust my money is safe in a mobile money account 3 8 I prefer to keep money in cash and use mobile money only to 5 9 I have heard of fraud on mobile money 0 10 Agent can help me use the service I do not know how to use i 6 11 Do not see any advantages in registering 21 12 Other, specify 81 Sysmiss 8425 7.12.2. What is the main reason why you are not registered? [Other (specify)] 81 0 Am not concerned of it 1 Am still looking at it 1 Do not have income to use it for 1 Do not have time to register 1 Don't have enough money to save 1 Don't know 2 Don't know if I can open an account on my own 1 I am not aware of there is registration 1 I did not have interest to register 1 I don't have a phone 2 I don't have a reason 1 I don't have time 1 I don't know 3 I don't know how to open an account. 1 I don't know how to use it 1 I don't think I need to register that at times I can use someone's NRC to receive the money 1 I don't want to register but I use it 1 I had no phone when they were registering for mobile money 1 I have no reason 1 I just don't know I feel bored 1 I just feel lazy 1 I mostly use my brothers account 1 I need. to. have. money knowledge about mobile money 1 I used zoona 1 I'm not very much informed. I usually do transactions urgently 1 I'm still planning to register 1 I. don't have money 1 No Reason 1 No particular reason 1 You do not have information about it 1 am a busy person 1 am always busy 1 am not yet ready to register due to lack of enough money to save 1 because I only have a lot money sometimes which I can send to someone 1 because I use one of my family members mobile money services 1 did not know how to register 1 didn't see the advantage but I will now register. 1 didn't that one need to register 1 does not know how and when to register 1 doesn't have interest to register 1 don't have a phone 1 don't have enough money to do that 1 don't have time to register 1 don't know 2 don't know how to register 1 don't know the procedure to register 1 don't no how to register 1 due to luck of funds. 1 has not had time to do it 1 i don't have a national registration card 1 it's fair from here 1 know reason 7 know reasons 1 l Don,t see any importance for 1 laziness 1 no reason 3 no reasons 1 no specific reason 1 not interested 1 not working at the moment,still going to School 1 nothing 1 nothing really 1 security reasons 1 she cannot send money to anyone 1 she doesn't have information 1 the agent failed to register me because of my phone 1 there is no need to register for Zoona 1 they is a problem of network 1 7.13.1. How did you register? 603 7968 1 At a mobile money agent 486 2 Through your bank 53 3 Through your phone 44 4 Through the internet 1 5 Other, specify 19 Sysmiss 7968 7.13.1. How did you register? 17 8554 1 At a mobile money agent 0 2 Through your bank 4 3 Through your phone 8 4 Through the internet 1 5 Other, specify 4 Sysmiss 8554 7.13.1. How did you register? 2 8569 1 At a mobile money agent 0 2 Through your bank 0 3 Through your phone 2 4 Through the internet 0 5 Other, specify 0 Sysmiss 8569 7.13.1. How did you register? 1 8570 1 At a mobile money agent 0 2 Through your bank 0 3 Through your phone 0 4 Through the internet 1 5 Other, specify 0 Sysmiss 8570 7.13.1. How did you register? 0 8571 1 At a mobile money agent 0 2 Through your bank 0 3 Through your phone 0 4 Through the internet 0 5 Other, specify 0 Sysmiss 8571 7.13.1. How did you register? (Other, specify) 23 0 Agents came here to register me 1 I went to mtn 1 MTN MAIN OFFICE IN KATETE 1 MTN mpika branch 1 My brother registered for me. 1 Through MTN main office 1 Through MTN office 1 agent came home 1 agents were going through to regiester 1 airtel outlet 2 at main branch Airtel 1 by the main office for Mtn 1 door to door registration 1 network provider directly 1 sent my husband 1 she uses zoona but the husband is registered to use airtel money. 1 someone registered for me 1 the agents came to me 1 they came at my place 1 through Nortel it was automatic 1 when replacing SIM card that's when I registered 1 zoona outlet 1 7.13.2. With which networks are you registered to use mobile money? 603 7968 1 Airtel Money 271 2 MTN Money 280 3 Zamtel 2 4 Xapit/Zanaco 17 5 Zoona 28 6 Other, specify 5 Sysmiss 7968 7.13.2. With which networks are you registered to use mobile money? 109 8462 1 Airtel Money 0 2 MTN Money 87 3 Zamtel 1 4 Xapit/Zanaco 8 5 Zoona 13 6 Other, specify 0 Sysmiss 8462 7.13.2. With which networks are you registered to use mobile money? 12 8559 1 Airtel Money 0 2 MTN Money 0 3 Zamtel 6 4 Xapit/Zanaco 1 5 Zoona 4 6 Other, specify 1 Sysmiss 8559 7.13.2. With which networks are you registered to use mobile money? 0 8571 1 Airtel Money 0 2 MTN Money 0 3 Zamtel 0 4 Xapit/Zanaco 0 5 Zoona 0 6 Other, specify 0 Sysmiss 8571 7.13.2. With which networks are you registered to use mobile money? 0 8571 1 Airtel Money 0 2 MTN Money 0 3 Zamtel 0 4 Xapit/Zanaco 0 5 Zoona 0 6 Other, specify 0 Sysmiss 8571 7.13.2. With which networks are you registered to use mobile money? 0 8571 1 Airtel Money 0 2 MTN Money 0 3 Zamtel 0 4 Xapit/Zanaco 0 5 Zoona 0 6 Other, specify 0 Sysmiss 8571 7.13.2. With which networks are you registered to use mobile money? (Other, spec 6 0 Barclays 1 Invest Trust Bank 1 Uses E Wallet with FNB and uses his Airtel and MTN lines 1 Vodacom Tanzania 1 mtn 1 shoprite 1 7.13.2. With which networks are you registered to use mobile money? (Other, specify) 7.14. What do you use mobile money for? 749 7822 1 Send money to family/friends 419 2 Receive money from family/friends 136 3 Send money to suppliers of goods/services to my business 7 4 Receive money from my customers 3 5 Store/save money 84 6 Buy airtime 36 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 46 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 2 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 2 18 Purchasing fuel/gas 0 19 Check account balances 1 20 13 Sysmiss 7822 7.14. What do you use mobile money for? 390 8181 1 Send money to family/friends 0 2 Receive money from family/friends 223 3 Send money to suppliers of goods/services to my business 1 4 Receive money from my customers 2 5 Store/save money 41 6 Buy airtime 65 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 51 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 1 16 Pay for health/medical services 1 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 1 20 4 Sysmiss 8181 7.14. What do you use mobile money for? 164 8407 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 8 4 Receive money from my customers 10 5 Store/save money 35 6 Buy airtime 52 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 51 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 2 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 2 18 Purchasing fuel/gas 0 19 Check account balances 4 20 0 Sysmiss 8407 7.14. What do you use mobile money for? 65 8506 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 4 5 Store/save money 5 6 Buy airtime 18 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 30 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 1 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 1 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 5 20 1 Sysmiss 8506 7.14. What do you use mobile money for? 25 8546 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 3 6 Buy airtime 6 7 Receive salary/wages 1 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 8 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 1 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 2 18 Purchasing fuel/gas 0 19 Check account balances 4 20 0 Sysmiss 8546 7.14. What do you use mobile money for? 9 8562 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 3 7 Receive salary/wages 1 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 4 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 1 20 0 Sysmiss 8562 7.14. What do you use mobile money for? 7 8564 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 4 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 1 15 Pay school fees 1 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 1 20 0 Sysmiss 8564 7.14. What do you use mobile money for? 5 8566 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 2 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 1 18 Purchasing fuel/gas 0 19 Check account balances 2 20 0 Sysmiss 8566 7.14. What do you use mobile money for? 1 8570 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 1 20 0 Sysmiss 8570 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? 0 8571 1 Send money to family/friends 0 2 Receive money from family/friends 0 3 Send money to suppliers of goods/services to my business 0 4 Receive money from my customers 0 5 Store/save money 0 6 Buy airtime 0 7 Receive salary/wages 0 8 Receiving social welfare money/grant from Government 0 9 Pay bills like ZESCO, DSTV, water bill 0 10 Pay wages of other people 0 11 Repayment of loans 0 12 Insurance payments 0 13 Contributions to savings group 0 14 Contributions/donations to social events 0 15 Pay school fees 0 16 Pay for health/medical services 0 17 Purchasing household goods like food and groceries 0 18 Purchasing fuel/gas 0 19 Check account balances 0 20 0 Sysmiss 8571 7.14. What do you use mobile money for? [Other (specify)] 18 0 I just save money 1 I use it for receiving and sending money but mostly I receive money from a colleague 1 1 Less costly. 1 airtime 1 1 because where my brother is there is no money transfer service 1 borrowing talk time 1 just saving money 1 just to have it 1 never used it but is registered 1 not using it now 1 paying rents 1 purchasing 1 receive money from church members 1 to deposit money for buying talk time 1 when am broke I withdraw so that I can use the money 1 you can share money with family and friends 1 7.15. How often do you use mobile money? 749 7822 1 Daily 29 2 At least once a week 78 3 Not every week but several times a month 173 4 Less than once a month 340 5 Other, specify 129 Sysmiss 7822 7.15. How often do you use mobile money? [Other (specify)] 129 0 After 3 months 1 After two months 1 I just opened an account 1 I last used last year 1 Monthly 3 Occasionally 2 Once a month 1 Once a month. 1 Once in a while 1 Respondent is no longer actively using mobile money 1 When ever I have 1 When she just receiving the money. 1 When someone asks for money 1 Whenever money is sent to account 1 Whenever the need arises 1 a month 1 a year ago 1 after 3 months or so 1 after 3months 1 after a month 1 after a while 1 after four months 1 after several months 1 after three months 2 after. three months 1 am registered with mobile money but the last time I used it I used my friends account 1 didn't use it because i just opened the day before yesterday 1 don't know 1 every after 5months. some times 1 every after two weeks 1 every month 2 for air time its almost daily. 1 four months ago 1 has used it only twice 1 have no money saved. 1 have used twice 1 in emergencies only 1 intervals 1 is dependent on respondents travel arrangements 1 it could be more than 3 months 1 it depends with what I want 1 it was only once 1 its been long since i used it 1 just once in a while 2 just registered and never use for anything 1 just when they want money 1 just yesterday 1 last 4month's ago 1 last year I used mobile money monthly but this year I haven't used mobile money 1 last year december 1 less than six months 1 long time 1 monthly 2 more than four months ago 1 more than one month 1 more than six months 1 more than two months 1 need are risen 1 never uses 1 no particular schedule 1 no particular schedule. 1 no regular interval 1 no specific date. 1 no specific schedule 1 no specific time... 1 not all the time 1 not every time 1 not often 1 not very often 1 occasional 1 occasionally 5 occasionally as need arises 1 occasionally when needs arises 1 1 once 1 once a month 5 once a month. 1 once a year 2 once in a month 1 once in a while 2 once in a while. 1 once in while 1 once per year 1 one or two times a year 1 only once 1 only when I have to receive money 1 only. used it once 1 rarely 1 seasonal 1 seasonally 1 sometimes 3 this was her first time. 1 three months or less 1 twice a year 1 twice per week 1 when am receiving or sending 1 when even l have money 1 when i can 1 when l have 1 when need arise 1 when need rise 1 when needs arises 1 when she receives money 1 when they decide to send money 1 when they just send me money when i need money 1 when they send me money 1 when we can manage to send money 1 whenever I have money 1 whenever i want to send money 1 whenever someone sends me money 1 7.16. Do you usually do mobile money transactions yourself or does somebody else 749 7822 1 Do transactions myself 575 2 Somebody helps me 108 3 Somebody does it on my behalf 66 Sysmiss 7822 7.16. Do you usually do mobile money transactions yourself or does somebody else do them on your behalf? 7.17.1. When last did you use mobile money? 749 7822 1 Yesterday 62 2 In the past 7 days 149 3 In the past 30 days 284 4 In the past 90 days 152 5 More than 90 days ago but less than 6 months ago 54 6 6 months or longer ago 48 Sysmiss 7822 7.17.2. What is the main reason for not using mobile money more often? 254 8317 1 Didn't need it 58 2 Doesn't suit/meet my needs 8 3 Too expensive 7 4 Service is not good 6 5 Other 175 Sysmiss 8317 7.18.1. In the past 12 months have you experienced any of the following when you 749 7822 1 Network failure 418 2 Agent absent/not available 24 3 Agent didn't have enough cash 36 4 Agent overcharged for transactions 5 5 Lost money 2 6 Agent wanted you to reveal your PIN number 9 7 Have you experienced any other problems which I did not ment 5 8 None 250 Sysmiss 7822 7.18.1. In the past 12 months have you experienced any of the following when you wanted to use mobile money? 7.18.1. In the past 12 months have you experienced any of the following when you 229 8342 1 Network failure 0 2 Agent absent/not available 109 3 Agent didn't have enough cash 95 4 Agent overcharged for transactions 5 5 Lost money 2 6 Agent wanted you to reveal your PIN number 13 7 Have you experienced any other problems which I did not ment 5 8 None 0 Sysmiss 8342 7.18.1. In the past 12 months have you experienced any of the following when you wanted to use mobile money? 7.18.1. In the past 12 months have you experienced any of the following when you 83 8488 1 Network failure 0 2 Agent absent/not available 0 3 Agent didn't have enough cash 59 4 Agent overcharged for transactions 9 5 Lost money 4 6 Agent wanted you to reveal your PIN number 8 7 Have you experienced any other problems which I did not ment 3 8 None 0 Sysmiss 8488 7.18.1. In the past 12 months have you experienced any of the following when you wanted to use mobile money? 7.18.1. In the past 12 months have you experienced any of the following when you 23 8548 1 Network failure 0 2 Agent absent/not available 0 3 Agent didn't have enough cash 0 4 Agent overcharged for transactions 11 5 Lost money 0 6 Agent wanted you to reveal your PIN number 11 7 Have you experienced any other problems which I did not ment 1 8 None 0 Sysmiss 8548 7.18.1. In the past 12 months have you experienced any of the following when you wanted to use mobile money? 7.18.1. In the past 12 months have you experienced any of the following when you 4 8567 1 Network failure 0 2 Agent absent/not available 0 3 Agent didn't have enough cash 0 4 Agent overcharged for transactions 0 5 Lost money 0 6 Agent wanted you to reveal your PIN number 2 7 Have you experienced any other problems which I did not ment 2 8 None 0 Sysmiss 8567 7.18.1. In the past 12 months have you experienced any of the following when you wanted to use mobile money? 7.18.1. In the past 12 months have you experienced any of the following when you 0 8571 1 Network failure 0 2 Agent absent/not available 0 3 Agent didn't have enough cash 0 4 Agent overcharged for transactions 0 5 Lost money 0 6 Agent wanted you to reveal your PIN number 0 7 Have you experienced any other problems which I did not ment 0 8 None 0 Sysmiss 8571 7.18.1. In the past 12 months have you experienced any of the following when you wanted to use mobile money? 7.18.1. In the past 12 months have you experienced any of the following when you 0 8571 1 Network failure 0 2 Agent absent/not available 0 3 Agent didn't have enough cash 0 4 Agent overcharged for transactions 0 5 Lost money 0 6 Agent wanted you to reveal your PIN number 0 7 Have you experienced any other problems which I did not ment 0 8 None 0 Sysmiss 8571 7.18.1. In the past 12 months have you experienced any of the following when you wanted to use mobile money? 7.18.1. In the past 12 months have you experienced any of the following when you 0 8571 1 Network failure 0 2 Agent absent/not available 0 3 Agent didn't have enough cash 0 4 Agent overcharged for transactions 0 5 Lost money 0 6 Agent wanted you to reveal your PIN number 0 7 Have you experienced any other problems which I did not ment 0 8 None 0 Sysmiss 8571 7.18.1. In the past 12 months have you experienced any of the following when you wanted to use mobile money? 7.18.1. In the past 12 months have you experienced any of the following when you 16 And most problem is that the agents don't 've money to give out if one is receiving money 1 Bought airtime but wasn't sent to her number but deductions where made 1 I forgot my pin number 1 I sent the money but they told me that the one who opened an account I was sending to did not qualify to receive a huge 1 She lost airtime after doing the transaction 1 Some agents refuse customers from withdrawing 1 The agents are rude 1 When sending talktime to another number it fails to go. 1 it took long for me to get the money 1 it took long to get the cash 1 lack of forms when you want to deposit money 1 long queues whereby the would be about five to six queues 1 my pin number was blocked 1 receiving money a day after it was sent instead of the actual day 1 some agents are very stubborn 1 you cannot send someone to withdraw money for you, 1 7.18.1. In the past 12 months have you experienced any of the following when you wanted to use mobile money? [Other (specify)] 7.18.2. What did you do when you experienced these problems? 499 8072 1 Complained at customer services desk 58 2 Went to the agent/Complained with agent 32 3 Did nothing 316 4 Other, specify 93 Sysmiss 8072 7.18.2. What did you do when you experienced these problems? 12 8559 1 Complained at customer services desk 0 2 Went to the agent/Complained with agent 7 3 Did nothing 0 4 Other, specify 5 Sysmiss 8559 7.18.2. What did you do when you experienced these problems? 0 8571 1 Complained at customer services desk 0 2 Went to the agent/Complained with agent 0 3 Did nothing 0 4 Other, specify 0 Sysmiss 8571 7.18.2. What did you do when you experienced these problems? 0 8571 1 Complained at customer services desk 0 2 Went to the agent/Complained with agent 0 3 Did nothing 0 4 Other, specify 0 Sysmiss 8571 7.18.2. What did you do when you experienced these problems? (Other, specify) 98 Called them to complain 1 He had to wait for the network to stabilise 1 I called my network agents 1 I did my payments directly 1 I didn't experience any negative 1 I exercised patience 1 I had to go back until I found the network was there 1 I had to wait 1 I had to wait for other people to deposit so i could get the cash 1 I had wait until the agent and network is back 1 I just to wait 1 I kept on trying 1 I kept trying still went through 1 I waited 1 I waited for it 1 I waited for the network to stabilize 1 I was told to wait. so I waited for an hour till the money came 1 I went and reported to police 1 I went to the other agent 1 I went to withdraw somewhere 1 Just had to wait for network to be restored 1 Just waited for network to come back 1 Looked for a different agent 1 Went to Zoona 1 came back 1 changed an outlet 1 custom service said it was network falling 1 didn't have this problem. 1 had move from one agent from another 1 had to send son the following day when agent didn't have enough money 1 had to wait 1 had to wait for network to come back 1 had to wait for the network to be restored and left and went back the other day when the agent was not available 1 i complained with the police 1 i just had to wait for the network to come back then continue with the transaction 1 i went to another outlet 1 just came back with the money and went back the following day 1 just tried to use It some other time 1 just waited 1 just went somewhere 1 kept on trying 1 kept on waiting 1 l called custom care 1 l wanted 1 moved on to another outlet 1 never complained anywhere 1 1 nothing went back home got back to the agent the following day 1 one good thing about these agents is that they will always inform you about a problem 1 they asked me to go back after sometime which I did 1 tried again 1 tried later 1 tried to access after some time and it worked 1 usually waited for the network. to get back 1 wad told to wait for the network to normalise 1 wait 1 wait for some cash to be brought in 1 waited 5 waited for a while 1 waited for agent to bring money 1 waited for details agent 2kam 1 waited for him 1 waited for network 1 waited for network to be restored 1 waited for network to come 1 waited for network to come back 1 waited for network to normalise 1 waited for the network 1 waited for the network to normalise before I bought talktime 1 waited until network was restored 1 waited until the network normalised 1 waited until the network normalised, agent came 1 waited until the network was restored 1 waited untill the network normalised 1 walked away 1 warned the agents 1 was preferred to other branches 1 was waiting for network to come 1 we had to wait until we the network came back 1 we went to do the transaction in another town which we had to spend money on transportation 1 went back home 2 went back home and went to try the following day 1 went back to agent later 1 went home and tried next day. 1 went somewhere else 1 went the next day 1 went to another agent 4 went to another agent somewhere elsr 1 went to look for another agents in town 1 went to the other one 1 7.19.1. Have you ever used a mobile money agent? 749 7822 1 Yes 584 2 No 165 Sysmiss 7822 7.19.2. What did/do you use mobile money agents for? 584 7987 1 Registration 248 2 Cash-in/deposits 71 3 Cash-out/withdrawals 34 4 Paying bills 14 5 Buying airtime 4 6 Sending money 146 7 Receiving money 53 8 Other 14 Sysmiss 7987 7.19.2. What did/do you use mobile money agents for? 266 8305 1 Registration 0 2 Cash-in/deposits 91 3 Cash-out/withdrawals 42 4 Paying bills 8 5 Buying airtime 5 6 Sending money 33 7 Receiving money 84 8 Other 3 Sysmiss 8305 7.19.2. What did/do you use mobile money agents for? 98 8473 1 Registration 0 2 Cash-in/deposits 0 3 Cash-out/withdrawals 50 4 Paying bills 7 5 Buying airtime 3 6 Sending money 12 7 Receiving money 25 8 Other 1 Sysmiss 8473 7.19.2. What did/do you use mobile money agents for? 33 8538 1 Registration 0 2 Cash-in/deposits 0 3 Cash-out/withdrawals 0 4 Paying bills 5 5 Buying airtime 9 6 Sending money 13 7 Receiving money 6 8 Other 0 Sysmiss 8538 7.19.2. What did/do you use mobile money agents for? 15 8556 1 Registration 0 2 Cash-in/deposits 0 3 Cash-out/withdrawals 0 4 Paying bills 0 5 Buying airtime 4 6 Sending money 5 7 Receiving money 6 8 Other 0 Sysmiss 8556 7.19.2. What did/do you use mobile money agents for? 9 8562 1 Registration 0 2 Cash-in/deposits 0 3 Cash-out/withdrawals 0 4 Paying bills 0 5 Buying airtime 0 6 Sending money 4 7 Receiving money 5 8 Other 0 Sysmiss 8562 7.19.2. What did/do you use mobile money agents for? 3 8568 1 Registration 0 2 Cash-in/deposits 0 3 Cash-out/withdrawals 0 4 Paying bills 0 5 Buying airtime 0 6 Sending money 0 7 Receiving money 3 8 Other 0 Sysmiss 8568 7.19.2. What did/do you use mobile money agents for? 1 8570 1 Registration 0 2 Cash-in/deposits 0 3 Cash-out/withdrawals 0 4 Paying bills 0 5 Buying airtime 0 6 Sending money 0 7 Receiving money 0 8 Other 1 Sysmiss 8570 7.19.3. Do you tend to use the same agent most of the time? 584 7987 1 Yes 323 2 No 261 Sysmiss 7987 7.19.4. What is the main reason you are using this agent regularly? 323 8248 1 Out of courtesy 20 2 The agent is fast 84 3 I trust this agent 74 4 Reliability: the agent is always present during work hours 27 5 Reliability: the agent always has e-float and/or cash to hel 3 6 Proximity to where I live 47 7 Proximity to places where I go - market, school, retail stor 7 8 Agent is knowledgeable/helpful 15 9 Agent is friendly and engaged 6 10 This agent is my personal friend, family member or a relativ 3 11 My family members, friends or workmates use this agent 5 12 Agent was recommended to me 1 13 Other (Specify) 31 Sysmiss 8248 7.19.4. What is the main reason you are using this agent regularly? [Other (spec 31 0 Because its the only agent she knows 1 I just happen. to go to the same agent-coincidence 1 Is the only one found in my area 1 Sending money for school fees 1 The only agent available in this area 1 Their charges are minimal 1 agent is the only one available 1 am used to this particular. agent 1 am used with that agent 1 because that is where the money is sent to 1 because that where l can dispose 1 cheaper 1 easy to use 1 he is the only agent in our area. 1 he's the only one we have in town 1 i have never tried the others 1 it is the nearest 1 its Cheap 1 its because i have an mtn sim card 1 its the only one i know 1 know reason 1 no main reason 1 no specific reason 1 only have one agent in the area 1 only one around the area 1 respondent used a mobile money agent only once 1 that's the only agent I know 1 that's the only. agent. available. in my area 1 there's only one agent in the area 1 we only have one agent 1 you would find some some of the agents not working but these are usually open 1 7.19.4. What is the main reason you are using this agent regularly? [Other (specify)] 7.20 You do not like carrying cash 8479 92 1 True 4008 2 Not true 4336 3 Don't know 135 Sysmiss 92 7.20 You would rather deal with people face to face than with machines such as A 8479 92 1 True 4407 2 Not true 3429 3 Don't know 643 Sysmiss 92 7.20 You would rather deal with people face to face than with machines such as ATMs even if the machines are quicker 7.20 You are prepared to learn how to use new technology 8479 92 1 True 7291 2 Not true 906 3 Don't know 282 Sysmiss 92 7.20 You prefer to pay for goods and services in cash rather than using electron 8479 92 1 True 5509 2 Not true 2320 3 Don't know 650 Sysmiss 92 7.20 You prefer to pay for goods and services in cash rather than using electronic means 7.21. In the past 12 months, about how often did you use the following for purch 8479 92 1 Never 144 2 Daily 4310 3 Weekly 1851 4 Monthly 1531 5 Less often than monthly 643 Sysmiss 92 7.21. In the past 12 months, about how often did you use the following for purchases? (Cash) 7.21. In the past 12 months, about how often did you use the following for purch 8479 92 1 Never 7512 2 Daily 20 3 Weekly 133 4 Monthly 586 5 Less often than monthly 228 Sysmiss 92 7.21. In the past 12 months, about how often did you use the following for purchases? (ATM / Debit card) 7.21. In the past 12 months, about how often did you use the following for purch 8479 92 1 Never 8353 2 Daily 5 3 Weekly 14 4 Monthly 63 5 Less often than monthly 44 Sysmiss 92 7.21. In the past 12 months, about how often did you use the following for purchases? (Credit card) 7.21. In the past 12 months, about how often did you use the following for purch 8479 92 1 Never 8090 2 Daily 7 3 Weekly 19 4 Monthly 183 5 Less often than monthly 180 Sysmiss 92 7.21. In the past 12 months, about how often did you use the following for purchases? (Bank transfer) 7.21. In the past 12 months, about how often did you use the following for purch 8479 92 1 Never 7897 2 Daily 18 3 Weekly 85 4 Monthly 209 5 Less often than monthly 270 Sysmiss 92 7.21. In the past 12 months, about how often did you use the following for purchases? (Mobile money services) 7.22.1. Do you have utility bills such as water, property rates, Muvi TV, DSTV e 8479 92 1 Yes 2482 2 No 5997 Sysmiss 92 7.22.1. Do you have utility bills such as water, property rates, Muvi TV, DSTV etc. that you have to pay on a regular basis? 7.22.2. In the past 12 months, about how often did you use the following for pay 2483 6088 1 Never 45 2 Daily 182 3 Weekly 64 4 Monthly 2094 5 Less often than monthly 98 Sysmiss 6088 7.22.2. In the past 12 months, about how often did you use the following for paying bills? (Cash) 7.22.2. In the past 12 months, about how often did you use the following for pay 2483 6088 1 Never 2239 2 Daily 1 3 Weekly 23 4 Monthly 171 5 Less often than monthly 49 Sysmiss 6088 7.22.2. In the past 12 months, about how often did you use the following for paying bills? (ATM / Debit card) 7.22.2. In the past 12 months, about how often did you use the following for pay 2483 6088 1 Never 2424 2 Daily 3 3 Weekly 5 4 Monthly 36 5 Less often than monthly 15 Sysmiss 6088 7.22.2. In the past 12 months, about how often did you use the following for paying bills? (Credit card) 7.22.2. In the past 12 months, about how often did you use the following for pay 2483 6088 1 Never 2350 2 Daily 3 3 Weekly 4 4 Monthly 75 5 Less often than monthly 51 Sysmiss 6088 7.22.2. In the past 12 months, about how often did you use the following for paying bills? (Bank transfer) 7.22.2. In the past 12 months, about how often did you use the following for pay 2483 6088 1 Never 2249 2 Daily 4 3 Weekly 11 4 Monthly 150 5 Less often than monthly 69 Sysmiss 6088 7.22.2. In the past 12 months, about how often did you use the following for paying bills? (Mobile money services) 8.1.1a. Do you currently belong to a Chilimba? 8479 92 1 Yes 1122 2 No 7357 Sysmiss 92 8.1.2a. Did you belong to a Chilimba before? 7357 1214 1 Yes 1376 2 No 5981 Sysmiss 1214 8.2a. What is the main reason you don't belong to a Chilimba? 7357 1214 1 I get the services they offer from financial institutions su 98 2 I save money on my mobile phone 17 3 Don't have any money to save 1469 4 Don't have enough money to save 1061 5 Share amount/share price is too high 20 6 Share amount is too low 23 7 There are no such groups in the community 1555 8 Their activities are too time consuming 106 9 Don't trust them 1009 10 I see no benefits for me in what they have to offer 437 11 Other, specify 1562 Sysmiss 1214 8.2a. What is the main reason you don't belong to a Chilimba? [Other (specify)] 1562 8.3.1a. What is the main reason why you belong to a chilimba? 1122 7449 1 To socialise or meet friends/to network 22 2 They give financial advice 15 3 They give information on matters such as education, health, 2 4 Can turn to them when in financial need 59 5 Can get access to money in case of loss or emergency/access 50 6 To borrow money 24 7 To save money 797 8 I trust the members with my money 24 9 Inherited membership 1 10 It is compulsory/expected of me 0 11 It forces me to save 29 12 Other, specify 99 Sysmiss 7449 8.3.1a. What is the main reason why you belong to a chilimba? [Other (specify)] 99 Atleast I manage to save money to use it later than to misuse it 1 I belong to a chilimba so that I have more money when it my turn to get paid. 1 I do not Belong to a saving group but only chilimba 1 I to money when am in need or an emergency 1 I want to buy something big in the house 1 It Helps 1 It makes me earn alot of money that i can use to start up my own business 1 It's business 1 Just started it with her groups of friends 1 Respondent uses it for saving for when she is lacking 1 Saving money for future use 1 The amount u get is alot 1 They money we give each other is helpful in certain things 1 To help each other with money when in need 1 To help me pay my children's school fees. 1 To help me when I need something 1 To help one another in terms of money 1 To lend to each other and save money 1 To pay school fees and buying food. 1 To raise. money 1 To save money and earn interest 1 affordable and quick access 1 business 1 can have enough money at once 1 do not have any other source that can help me better. 1 earn good interest 1 earn interest 1 for entertainment 1 for giving and receiving gifts 1 for the children to get education 1 get money at once in bulk 1 get some enough money 1 he was just forced to join 1 help my husband to pay sum of the needs 1 helps me to get more money.and. also borrow. from 1 helps me to keep money 1 helps to raise money 1 it gives me enough money 1 it has an advantage over banking because you have easy access to cash because people contribute toban agreed amount 1 it helps if you want to buy things for the house 1 it helps in paying debt 1 it helps me pay school fees for my children, 1 it helps me to buy assets 1 it helps me with my business 1 it helps to get household goods 1 it helps to save money 1 it is a fast way of making money 1 it's one way of help me meet my other challenges 1 its a hood thing to do 1 keep money for school fees 1 keep my own money 1 my salary is not enough 1 no charges it's free 1 one way of earning more money 1 saving some money so that you receive a big amount at the end of the month 1 so my money earns interest 1 so that I buy the things I want 1 so that I can get a bit. more when. its. my turn rather. than. keeping at home. were. its not generatiy 1 so that can be able to use when I want 1 so that can manage to buy big things 1 so that money earns interest 1 so that my money earns interest after sometime 1 solve. financial. problems 1 the interest is more 1 the money I get is enough it helps me 1 the money increases 2 to build a house 1 to earn good interest 1 to earn interest 2 to earn more, when turn comes to get from chilinba 1 to enable me raise money to buy property in the house 1 to expand my business 1 to get money to take to the bank 1 to get more wen my turn comes 1 to have money of your own. 1 to have more money 3 to help me boost my business 1 to help me realise money to bust my business 1 to help me save money until it accumulates to a certain amount 1 to help my wife to organize something's at home 1 to help one another when unexpected events occur 1 to invest when you turn comes you something valuable 1 to keep money 1 to make some money to survive 1 to raise money 3 to raise money if I want to purchase something 1 to save money 2 to save money and get it as a lump sum 1 to start business 1 when I want to get something big 1 when it's your turn you get a lot of money 1 you get alot of money at a goal 1 8.3.2. Are there any other reasons why you belong to a chilimba? 1122 7449 1 none 343 2 To socialise or meet friends/to network 22 3 They give financial advice 33 4 They give information on matters such as education, health, 3 5 Can turn to them when in financial need 46 6 Can get access to money in case of loss or emergency/access 48 7 To borrow money 46 8 To save money 337 9 I trust the members with my money 24 10 Inherited membership 1 11 It is compulsory/expected of me 0 12 It forces me to save 46 13 Other, specify 173 Sysmiss 7449 8.3.2. Are there any other reasons why you belong to a chilimba? 82 8489 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 5 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 1 6 Can get access to money in case of loss or emergency/access 5 7 To borrow money 4 8 To save money 41 9 I trust the members with my money 8 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 8 13 Other, specify 10 Sysmiss 8489 8.3.2. Are there any other reasons why you belong to a chilimba? 18 8553 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 1 5 Can turn to them when in financial need 1 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 1 8 To save money 7 9 I trust the members with my money 5 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 2 13 Other, specify 1 Sysmiss 8553 8.3.2. Are there any other reasons why you belong to a chilimba? 6 8565 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 1 7 To borrow money 0 8 To save money 2 9 I trust the members with my money 1 10 Inherited membership 0 11 It is compulsory/expected of me 1 12 It forces me to save 1 13 Other, specify 0 Sysmiss 8565 8.3.2. Are there any other reasons why you belong to a chilimba? 4 8567 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 1 9 I trust the members with my money 1 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 2 13 Other, specify 0 Sysmiss 8567 8.3.2. Are there any other reasons why you belong to a chilimba? 2 8569 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 1 10 Inherited membership 0 11 It is compulsory/expected of me 1 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8569 8.3.2. Are there any other reasons why you belong to a chilimba? 2 8569 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 2 13 Other, specify 0 Sysmiss 8569 8.3.2. Are there any other reasons why you belong to a chilimba? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a chilimba? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a chilimba? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a chilimba? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a chilimba? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a chilimba? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a chilimba? (Other, specify 184 0 Because a lot of my family members are in this group. 1 Chilimba group 1 Doesn't belong to a savings group 1 Dont belong to any group 1 Dont belong to any savings group apart from chilimber 1 Earn good interest rates 1 For business purposes 1 For future use. 1 Helps to acquire assets, 1 I can't manage to be in a lot of groups 1 I don't belong to a savings group 1 I don't belong to any savings group apart from chilimba 1 I don't belong to it 1 I don't belong to savings group 1 I don't know about it 1 I get fertilizer from members 1 I have no other reason 1 I have programs to consider 1 I'm just with chilimba 1 It helps me to expand my business 1 Just gave one reason 1 N/A 1 No 1 No other reason 1 No reason 1 Nothing 3 Nothing. Else 1 Only to pay school fees plus other financial needs 1 There are no other reasons 1 To Pay For Rentals 1 To make business networks 1 To pay school fee 1 1 buy something big. 1 buy something for the house 1 can get money from there instead of going to the bank 1 chilatwala pantanshi 1 do not belong to a savings group 1 does not belong to a savings group only chilimba 1 does not belong to saving group 1 doesn't belong to any Saving group 1 doesn't belong to any saving group 1 doesn't belong to any savings group only chilimba 1 doesn't know it 1 don't belong tis savings club 1 don't belong to any 1 don't belong to any savings group rather than chilimba 1 don't belong to savings club 1 don't belong to savings group only belong to a chilimba 1 don't belong to such groupd 1 don't know 1 easy acess and they can understand my problem better because they live in the same area with me. 1 for household use 1 for living expenses 2 for my own personal use 1 for the children to get education 1 help my family 1 helps me 1 i get more interest when am the one collecting 1 in case of anything 1 in order to solve some problems 1 interest is more 1 it adds onto my salary 1 it allows me to save small amounts of money 1 it helps alot 1 it helps me do other things 1 it helps to improve my business. 1 1 just chilimba and its for easy access if need be 1 just forced to join 1 just incase of emergency 1 know 1 l do not know how to join 1 l don't belong there. 1 money increases as you save 1 my money earns interest 1 no 9 no any other reason 1 no money to save 1 no other 2 no other group 1 no other reason 3 no other reason apart from saving 1 no other reasons 2 no other. reasonsw 1 no reason 3 no saving group 1 no savings group 1 no savings group only chilimba 1 no.the question is irrelevant 1 non 4 none 15 not applicable 3 not at all 1 not in a savings group 2 not in any savings group apart from chilimba 1 not in savings group 2 nothing 17 nothing else just one 1 only belongs to chilimba 1 only chilimba no saving groups 1 quick access to money 1 save money to acquire larger house hold items 1 saving money 1 school fees 1 she doesn't belong to a savings group only chilimba 1 so that I don't misuse my money 1 so that can save the to a certain amount 1 so that the money i aquire from Chillimba can be used to purchase something 1 so that the too amount I put increases as put more 1 solve unexpected expenses 1 there's good interest 1 they give interest 1 they promised to help with financial needs 1 this area does not have such groups 1 to have bigger amount 1 to help 1 to help get what ever she wants 1 to help me boost my business 1 to help start a business 1 to help unforeseen events 1 to live better 1 to make it easier to make a budget 1 to make sure some needs on my construction are met 1 to pay for children education 1 to purchase valuable things 1 to save money so that you can do something meaninfull 1 to start a business 1 to tackle unexpected expenses 1 you are able to buy big things 1 8.3.2. Are there any other reasons why you belong to a chilimba? (Other, specify) 8.4.1. Which of the following do you do with the chilimba(s) you belong to? 1122 7449 1 Save with the group 968 2 Borrow from the group - with interest 45 3 Borrow from the group - without interest 81 4 Access the social fund 28 Sysmiss 7449 8.4.1. Which of the following do you do with the chilimba(s) you belong to? 191 8380 1 Save with the group 0 2 Borrow from the group - with interest 81 3 Borrow from the group - without interest 82 4 Access the social fund 28 Sysmiss 8380 8.4.1. Which of the following do you do with the chilimba(s) you belong to? 14 8557 1 Save with the group 0 2 Borrow from the group - with interest 0 3 Borrow from the group - without interest 6 4 Access the social fund 8 Sysmiss 8557 8.4.1. Which of the following do you do with the chilimba(s) you belong to? 2 8569 1 Save with the group 0 2 Borrow from the group - with interest 0 3 Borrow from the group - without interest 0 4 Access the social fund 2 Sysmiss 8569 8.4.2. At Chilimba, do you ....? (Contribute towards funerals or other emergenci 1122 7449 1 Yes 456 2 No 666 Sysmiss 7449 8.4.2. At Chilimba, do you ....? (Contribute towards funerals or other emergencies of group members and their families) 8.4.2. At Chilimba, do you ....? (Contribute towards social events of group memb 1122 7449 1 Yes 380 2 No 742 Sysmiss 7449 8.4.2. At Chilimba, do you ....? (Contribute towards social events of group members e.g. weddings, birth of a child) 8.4.2. At Chilimba, do you ....? (Have a joint income generating activity e.g. b 1122 7449 1 Yes 97 2 No 1025 Sysmiss 7449 8.4.2. At Chilimba, do you ....? (Have a joint income generating activity e.g. brick making, basket making) 8.4.2. At Chilimba, do you ....? (Buy assets for the group/individual members) 1122 7449 1 Yes 185 2 No 937 Sysmiss 7449 8.5.4. Does the Chilimba use mobile money to receive money? 1122 7449 1 Yes 19 2 No 1085 3 Don't know 18 Sysmiss 7449 8.5.5. Do you use mobile money to make your contribution to the Chilimba? 1122 7449 1 Yes 22 2 No 1100 Sysmiss 7449 8.5.6. How many Chilimba do you belong to? 1122 7449 1 100 8.6.1. Thinking about all the chilimbas you belong to and all the contributions 8479 0 -1 7357 0 19 00 5 000 1 1 7 1.500 2 10 9 10.0000 1 100 85 1000 57 10000 1 1050 1 1060 1 1100 2 1170 1 120 7 1200 6 125 1 126 1 13 1 130 1 1300 3 1320 1 135 2 140 3 1400 1 15 2 150 60 1500 19 160 5 1600 2 165 1 170 1 1700 2 180 5 1800 2 184 1 2 1 20 15 200 101 2000 10 2100 1 220 3 225 1 2300 1 240 10 2400 1 25 4 250 41 260 1 2600 1 270 1 293 1 3 1 30 10 300 91 3000 5 310 1 3100 1 320 1 330 1 335 1 34 1 340 4 350 14 3500 1 36 1 360 1 380 2 3800 1 4 1 40 9 400 52 400000 1 415 1 420 1 440 1 45 1 450 12 460 1 480 1 5 4 50 40 500 97 5000 2 510 1 540 1 55 2 550 2 580 1 6 1 60 8 600 18 6000 2 65 1 650 8 680 2 7 1 70 5 700 8 7300 1 75 4 750 7 755 1 780 1 784 1 80 14 800 23 8000 1 840 1 85 1 850 2 90 5 900 4 960 1 980 1 999 95 9999 1 k100 4 k1000 2 k1200 1 k200 5 k220 1 k250 1 k30 1 k3300 1 k430 1 k50 2 k500 2 k60 1 k600 1 k999 1 8.6.1. Thinking about all the chilimbas you belong to and all the contributions you have made to these, what is the total amount you contributed last month? 8.6.2. How often do you contribute to chilimbas? 1122 7449 1 Every week 367 2 Twice a month 113 3 Once a month 642 Sysmiss 7449 8.1.1b. Do you currently belong to a Savings group? 8479 92 1 Yes 527 2 No 7952 Sysmiss 92 8.1.2b. Did you belong to a Savings group before? 7952 619 1 Yes 298 2 No 7654 Sysmiss 619 8.2b. What is the main reason you don't belong to a Savings group? 7952 619 1 I get the services they offer from financial institutions su 152 2 I save money on my mobile phone 22 3 Don't have any money to save 1439 4 Don't have enough money to save 1034 5 Share amount/share price is too high 17 6 Share amount is too low 15 7 There are no such groups in the community 2227 8 Their activities are too time consuming 103 9 Don't trust them 724 10 I see no benefits for me in what they have to offer 427 11 Other, specify 1792 Sysmiss 619 8.2b. What is the main reason you don't belong to a Savings group? [Other (speci 1792 8.2b. What is the main reason you don't belong to a Savings group? [Other (specify)] 8.3.1b. What is the main reason why you belong to a Savings group? 527 8044 1 To socialise or meet friends/to network 25 2 They give financial advice 23 3 They give information on matters such as education, health, 14 4 Can turn to them when in financial need 42 5 Can get access to money in case of loss or emergency/access 34 6 To borrow money 31 7 To save money 279 8 I trust the members with my money 15 9 Inherited membership 2 10 It is compulsory/expected of me 1 11 It forces me to save 7 12 Other, specify 54 Sysmiss 8044 8.3.1b. What is the main reason why you belong to a Savings group? [Other (speci 54 Get farming inputs 1 I get a lot of interest on my savings 1 I just decided to such 1 I use the money to buy fertilizer 1 I want to buy big things e.g car 1 It helps me to get farming inputs on credit 1 She gains interest on savings 1 They give us fertilizer and seed 1 This group looks at the welfare of orphans. Borrowing money has just been introduced recently. When we borrow we pay wit 1 To access farming inputs 1 To assist one another 1 To get Farming inputs 1 To secure money 1 Wanted to try it out and see what goes on there 1 We buy each things for the house 1 access to farming inputs 1 because I gain interest on my savings 1 because of poverty 1 for investing 1 help my husband meet sum of the needs 1 it a way of getting farming inputs for my farming activities 1 it gives interest 1 it helps when when buying fertiliser some times I buy cash some ttimes they use the money we put every season to give us 1 it's cheaper to buy fertilizer as a savings group than as an individual 1 1 it's good to be there because the money increases. 1 its easier to save with the group 1 mother's committee to help children in time of need like marriage 1 respondent belongs to a savings group known as Village Banking under CHAZ which is a lending and savings group guided wi 1 she usually send money to them to buy fertilizer for her 1 so I have enough 1 the cooperative group called ichilimba helped members with fertilizer inputs 1 they give advices on farming 1 they help me purchase fertiliser 1 they help us with fertiliser 1 they save money for graduate 1 to access the farming inputs 1 to assist needy people in the community 1 to bring development to women in the community 1 to buy church books 1 to empower women like me 1 to get farming equipment 1 to get interest 1 to have access to cheap fertilizer 1 to help each other 3 to help me access farming imputs 1 to help others 1 to save money for fertilizer 1 to save money to start business 1 was just chosen 1 we invest our money in business and share the profit 1 we work together as a group 1 8.3.1b. What is the main reason why you belong to a Savings group? [Other (specify)] 8.3.2. Are there any other reasons why you belong to a savings group(s)? 527 8044 1 none 124 2 To socialise or meet friends/to network 27 3 They give financial advice 28 4 They give information on matters such as education, health, 11 5 Can turn to them when in financial need 48 6 Can get access to money in case of loss or emergency/access 21 7 To borrow money 60 8 To save money 130 9 I trust the members with my money 9 10 Inherited membership 0 11 It is compulsory/expected of me 1 12 It forces me to save 12 13 Other, specify 56 Sysmiss 8044 8.3.2. Are there any other reasons why you belong to a savings group(s)? 92 8479 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 9 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 5 6 Can get access to money in case of loss or emergency/access 9 7 To borrow money 12 8 To save money 42 9 I trust the members with my money 7 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 3 13 Other, specify 5 Sysmiss 8479 8.3.2. Are there any other reasons why you belong to a savings group(s)? 24 8547 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 6 5 Can turn to them when in financial need 2 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 4 8 To save money 9 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 2 13 Other, specify 1 Sysmiss 8547 8.3.2. Are there any other reasons why you belong to a savings group(s)? 12 8559 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 4 6 Can get access to money in case of loss or emergency/access 1 7 To borrow money 1 8 To save money 3 9 I trust the members with my money 2 10 Inherited membership 0 11 It is compulsory/expected of me 1 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8559 8.3.2. Are there any other reasons why you belong to a savings group(s)? 5 8566 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 3 7 To borrow money 1 8 To save money 1 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8566 8.3.2. Are there any other reasons why you belong to a savings group(s)? 5 8566 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 3 8 To save money 1 9 I trust the members with my money 1 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8566 8.3.2. Are there any other reasons why you belong to a savings group(s)? 4 8567 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 2 9 I trust the members with my money 1 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 1 13 Other, specify 0 Sysmiss 8567 8.3.2. Are there any other reasons why you belong to a savings group(s)? 3 8568 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 2 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 1 13 Other, specify 0 Sysmiss 8568 8.3.2. Are there any other reasons why you belong to a savings group(s)? 2 8569 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 2 13 Other, specify 0 Sysmiss 8569 8.3.2. Are there any other reasons why you belong to a savings group(s)? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a savings group(s)? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a savings group(s)? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a savings group(s)? 0 8571 1 none 0 2 To socialise or meet friends/to network 0 3 They give financial advice 0 4 They give information on matters such as education, health, 0 5 Can turn to them when in financial need 0 6 Can get access to money in case of loss or emergency/access 0 7 To borrow money 0 8 To save money 0 9 I trust the members with my money 0 10 Inherited membership 0 11 It is compulsory/expected of me 0 12 It forces me to save 0 13 Other, specify 0 Sysmiss 8571 8.3.2. Are there any other reasons why you belong to a savings group(s)? (Other, 62 0 Borrowing at very low interest 1 I get fertilizer from it 1 I put my money there cause I want it to have interest 1 No 1 Nothing 1 The government only recognizes groups. 1 They add interest when you save with them 1 They also help ophans and widows 1 To Improve my business 1 To earn high interest. 1 To share ideas and do business as a group 1 Wanted to save money 1 We buy farming inputs through it. 1 access to farming inputs 1 also has an interest 1 and making profit 1 because they r benefits after the end 1 blessings 1 buy farming inputs through savings group 1 buy something big 2 buying farming inputs through the group 1 flexible conditions 1 get farming inputs such as fertilizer 1 get inputs like fertilizer 1 good interest 1 help members in need of finances as it encourages people to join with a contribution charge of k20 1 household use 1 it can bring development in the future 1 no 1 no other reason 2 no reason 1 none 8 nothing 4 receiving farming inputs 1 so that I can get interest on my savings 1 they buy fertilizer for us 1 they give us other facilities like fertilizer 1 they is even interest 1 to buy things that I want 1 to expand operations 1 to gain farming inputs like fertilizer 1 to get an interest 1 to get farming inputs 1 to help each member in case of a need 1 to help in funerals 1 to help people that are in need 1 to help the church with uniforms when they need them 1 to secure money 1 to try the new way of savings in the community 1 will also get framing inputs 1 8.3.2. Are there any other reasons why you belong to a savings group(s)? (Other, specify) 8.4.1. Which of the following do you do with the group(s) you belong to? 527 8044 1 Save with the group 449 2 Borrow from the group - with interest 43 3 Borrow from the group - without interest 21 4 Access the social fund 14 Sysmiss 8044 8.4.1. Which of the following do you do with the group(s) you belong to? 247 8324 1 Save with the group 0 2 Borrow from the group - with interest 177 3 Borrow from the group - without interest 49 4 Access the social fund 21 Sysmiss 8324 8.4.1. Which of the following do you do with the group(s) you belong to? 50 8521 1 Save with the group 0 2 Borrow from the group - with interest 0 3 Borrow from the group - without interest 5 4 Access the social fund 45 Sysmiss 8521 8.4.1. Which of the following do you do with the group(s) you belong to? 3 8568 1 Save with the group 0 2 Borrow from the group - with interest 0 3 Borrow from the group - without interest 0 4 Access the social fund 3 Sysmiss 8568 8.4.2. At Savings group, do you ....? (Contribute towards funerals or other emer 527 8044 1 Yes 344 2 No 183 Sysmiss 8044 8.4.2. At Savings group, do you ....? (Contribute towards funerals or other emergencies of group members and their families) 8.4.2. At Savings group, do you ....? (Contribute towards social events of group 527 8044 1 Yes 219 2 No 308 Sysmiss 8044 8.4.2. At Savings group, do you ....? (Contribute towards social events of group members e.g. weddings, birth of a child) 8.4.2. At Savings group, do you ....? (Have a joint income generating activity e 527 8044 1 Yes 124 2 No 403 Sysmiss 8044 8.4.2. At Savings group, do you ....? (Have a joint income generating activity e.g. brick making, basket making) 8.4.2. At Savings group, do you ....? (Buy assets for the group/individual membe 527 8044 1 Yes 125 2 No 402 Sysmiss 8044 8.4.2. At Savings group, do you ....? (Buy assets for the group/individual members) 8.5.1. Are any of the groups you belong to registered? 527 8044 1 Yes 292 2 No 207 3 Don't Know 28 Sysmiss 8044 8.5.2. Does any of the groups you belong to have a bank account? 527 8044 1 Yes 204 2 No 289 3 Don't Know 34 Sysmiss 8044 8.5.3. Does any of the groups you belong to use mobile money to store money? 527 8044 1 Yes 17 2 No 463 3 Don't know 47 Sysmiss 8044 8.5.4. Does the Savings group use mobile money to receive money? 527 8044 1 Yes 21 2 No 466 3 Don't know 40 Sysmiss 8044 8.5.5. Do you use mobile money to make your contribution to the Savings group? 527 8044 1 Yes 9 2 No 518 Sysmiss 8044 8.5.6. How many Savings group do you belong to? 527 8044 1 69 8.6.1. Thinking about all the groups you belong to and all the contributions you 8479 0 -1 7952 0 33 0.0 1 0.00 2 00 1 000 1 0000 1 1 3 1.500 1 10 16 100 62 1000 10 103 1 105 1 1050 1 110 2 12 2 120 3 1200 6 12000 1 1300 1 140 1 1400 1 15 2 150 14 1500 6 160 1 1600 1 170 1 1700 1 180 1 1800 2 190 1 195 1 2 3 20 26 200 28 2000 4 20000 1 2100 1 2200 2 230 1 2300 1 24 1 25 5 250 12 2500 2 2500.00 1 26 1 260 1 270 2 280 2 30 9 300 20 3000 2 315 1 316 1 340 1 35 1 350 1 3500 1 370 1 386 1 4 1 40 5 400 7 450 4 456 1 480 2 5 5 50 44 500 23 5000 2 55 1 550 1 60 9 600 2 6000 1 620 1 650 1 70 3 700 3 750 2 780 1 8 1 80 8 800 8 8000 1 85 1 850 1 86 1 90 2 900 2 999 62 9999 1 k10 1 k20 1 k300 2 k370 1 8.6.1. Thinking about all the groups you belong to and all the contributions you have made to these, what is the total amount you contributed last month? 8.6.2. How often do you contribute to this group? 527 8044 1 Every week 132 2 Twice a month 53 3 Once a month 342 Sysmiss 8044 9.1. Can you tell me what banks are used for? 8479 92 1 Saving money 6892 2 Borrowing money 136 3 121 4 Transferring/sending money to someone else 102 5 Keep money safe 659 6 Other, specify 37 7 Don't know 532 Sysmiss 92 9.1. Can you tell me what banks are used for? 3672 4899 1 Saving money 0 2 Borrowing money 1124 3 710 4 Transferring/sending money to someone else 504 5 Keep money safe 1173 6 Other, specify 161 7 Don't know 0 Sysmiss 4899 9.1. Can you tell me what banks are used for? 1185 7386 1 Saving money 0 2 Borrowing money 0 3 348 4 Transferring/sending money to someone else 229 5 Keep money safe 512 6 Other, specify 96 7 Don't know 0 Sysmiss 7386 9.1. Can you tell me what banks are used for? 317 8254 1 Saving money 0 2 Borrowing money 0 3 0 4 Transferring/sending money to someone else 151 5 Keep money safe 143 6 Other, specify 23 7 Don't know 0 Sysmiss 8254 9.1. Can you tell me what banks are used for? 102 8469 1 Saving money 0 2 Borrowing money 0 3 0 4 Transferring/sending money to someone else 0 5 Keep money safe 94 6 Other, specify 8 7 Don't know 0 Sysmiss 8469 9.1. Can you tell me what banks are used for? 5 8566 1 Saving money 0 2 Borrowing money 0 3 0 4 Transferring/sending money to someone else 0 5 Keep money safe 0 6 Other, specify 5 7 Don't know 0 Sysmiss 8566 9.1. Can you tell me what banks are used for? 0 8571 1 Saving money 0 2 Borrowing money 0 3 0 4 Transferring/sending money to someone else 0 5 Keep money safe 0 6 Other, specify 0 7 Don't know 0 Sysmiss 8571 9.1. Can you tell me what banks are used for? (Other, specify) 330 0 Adding interest on savings 1 Bureau de change 1 Buy Foreign Money 1 Cash withdrawal 1 Cheque processing 1 Conducting business with a bank 1 Don't. have.money 1 Earn interest 1 Earn interests and capitalise on people's businesses 1 Earning interest 3 Earning interest on savings 1 Electronic money transfers or lending money or force also 1 Gaining interest 1 Gaining interest when you have a lot of money 1 Getting interest on the money saved 1 Give credit 1 Give financial advice. 1 Give money for emergency 1 Giving loans 1 Giving loans, foreign exchange transactions 1 Giving money to people 1 Government uses banks to make money as well 1 Helps one make a budget 1 I don't have enough money 1 I don't have money 1 I don't save money 1 I'm not working 3 Increasing money. 1 Insurance 1 Investments, exchange of currency 1 It gives You interest 1 Keep money to earn interest 1 Keeping Valuable items and purchasing of other goods 1 Keeping documents 1 Keeping valuable assets like diamonds and the like 1 Keeping valuables 1 Loan repayment 1 Making withdraws 1 Money kept there earns interest 1 Offer loans 1 Raising interest 1 Receiving money 2 Save money and earn interest 1 Save money as it earns interest 1 Saving money to earn some interest 1 Security. 1 Sensitize 1 They give You interest 1 They put interest on Money served 1 To earn interest 1 To exchange depleted notes 1 To gain interest 1 To help their customers and ensuring that their documents are safely kept 1 To keep people's money 1 To make profit also. 1 To refrain from misusing money 1 Withdraw 1 Withdraw money 1 Withdrawing and depositing 1 Withdrawing money 3 Withdrawing money. 1 a bank is money 1 access to loans 1 accumulate interest 1 acquiring financial information 1 and safe keeping of jewelry 1 and to learn intrest 1 applying for loans 1 assets 1 buying things 1 buying. goods 1 buying. things from other countries like cars 1 change currency 1 change damaged money 1 change to different currency 1 changing currencies 1 changing currency 1 changing soiled money 1 check payments 1 convert currency 1 currency exchange 1 depositing and withdrawing money 1 depositing money 1 dividends payment, gratuity 1 documents keeping 1 earn good interest rates 1 earn interest 8 earn interest when you save 1 earn intrest 1 earning interest 6 earning interest on money saved 1 earning interests 1 easy access incase u are out of town 1 eating interest 1 economic expansion 1 employing people 1 exchange of money 1 financial advice 2 financial advise 2 financial discipline 1 financial documents 1 for interest 2 for intrest 1 for keeping money for future use. 1 for opening bank accounts 1 for putting the ATM inside 1 for receiving and sending money 1 for security reasons 1 foreign currency exchange 1 gain interest on your money 1 gaining interest 2 get financial advice 1 get loans 2 get money 1 getting a loan 1 getting financial advice 1 getting interest 1 getting loan 1 getting loan and deposits 1 getting money 1 give interest 2 give loans 2 give out loans 1 giving interest 5 giving interest on saving and changing currencies 1 giving interest to savings 1 giving loans 5 giving. interest. on the money. kept there 1 going to remove money 1 help people access money 1 helping people 1 helping. people 1 helps avoid unnecessary expenses 1 insurance Schemes 1 interest 5 interest generation 1 investments 1 it's were money is processed or made 1 keep money to earn interest 1 keep valuable assets 1 keeping any necessary valuables 1 keeping documents 1 keeping important documents 2 keeping of a will 1 keeping special documents ie certificates 1 keeping valuables 1 loan 2 loans 3 making interest 1 making purchases 1 making withdraws 5 money gains interest 1 money gets interest 1 multiplying your money 1 offering financial advice 1 offering loans 1 opening. accounts 1 other things that you can't keep at home that requires a safe 1 pay bills and purchase goods 1 paying bills 2 paying for goods 1 paying for utility bills 1 precious goods 1 provide loans 1 providers of financial assistance to individuals and companies 1 purchase and paying utility bills 1 put your will 1 putting interests on peoples money 1 received money 1 receiveing 1 receiving money 1 receiving money and sending 1 receiving salaries 1 remove money 1 removing money 1 safe keeping of valuables. 1 safe keeping of variables 1 safeguard documents 1 safeguarding investments 1 sending and receiving money 1 sending money 2 sending money etc 1 teaches how to use money 1 the bank can also borrow money from individuals 1 the loans that they give so as to have internet 1 they are used for finding money 1 they are used for money 1 they ars there to assist financially 1 they give interest 2 they make money 1 they put interest on your money 1 they put intrest 1 they use money 1 to add 1 to add interest 2 to add interest to money 1 to add interest to people's money 2 to change currencies 1 to deposit 1 to earn interest 2 to gain interest 2 to get interest 1 to get loans 2 to give loans 1 to give out loans 3 to go get money 1 to go remove money 1 to help people also 1 to help people by giving them loans 1 to help people keep their money 1 to keep money for the government 1 to open an account 1 to provide financial solutions and insurance 1 to provide other services as well 1 to put interest 1 to receive interest 1 to receive money 1 to use to buy goods and services 1 to withdraw 1 to withdraw money 4 to withdraw money if you work 1 transactions 1 when people save money using banks they get interest 1 withdraw 12 withdraw and deposit 1 withdraw money 11 withdraw money and to give loans 1 withdraw money from thenm 1 withdrawal money 1 withdrawing 7 withdrawing money 10 withdrawing money and getting a loan 1 withdraws 3 9.2. Which of the following do you use? 8479 92 1 Bank 1875 2 Microfinance institution (MFI) such as Finca or Pride 31 3 Lender such as Blue, Bayport 5 4 Savings and credit cooperative (SACCO) 52 5 Chilimba 757 6 Saving group 250 7 Moneylender/kaloba/shylock 141 8 Someone in the community 262 9 Family/friends 4096 10 None 1010 Sysmiss 92 9.2. Which of the following do you use? 1242 7329 1 Bank 0 2 Microfinance institution (MFI) such as Finca or Pride 42 3 Lender such as Blue, Bayport 84 4 Savings and credit cooperative (SACCO) 31 5 Chilimba 281 6 Saving group 127 7 Moneylender/kaloba/shylock 41 8 Someone in the community 54 9 Family/friends 582 10 None 0 Sysmiss 7329 9.2. Which of the following do you use? 251 8320 1 Bank 0 2 Microfinance institution (MFI) such as Finca or Pride 0 3 Lender such as Blue, Bayport 3 4 Savings and credit cooperative (SACCO) 4 5 Chilimba 44 6 Saving group 42 7 Moneylender/kaloba/shylock 18 8 Someone in the community 18 9 Family/friends 122 10 None 0 Sysmiss 8320 9.2. Which of the following do you use? 57 8514 1 Bank 0 2 Microfinance institution (MFI) such as Finca or Pride 0 3 Lender such as Blue, Bayport 0 4 Savings and credit cooperative (SACCO) 1 5 Chilimba 3 6 Saving group 10 7 Moneylender/kaloba/shylock 3 8 Someone in the community 14 9 Family/friends 26 10 None 0 Sysmiss 8514 9.2. Which of the following do you use? 21 8550 1 Bank 0 2 Microfinance institution (MFI) such as Finca or Pride 0 3 Lender such as Blue, Bayport 0 4 Savings and credit cooperative (SACCO) 0 5 Chilimba 1 6 Saving group 1 7 Moneylender/kaloba/shylock 1 8 Someone in the community 1 9 Family/friends 17 10 None 0 Sysmiss 8550 9.2. Which of the following do you use? 4 8567 1 Bank 0 2 Microfinance institution (MFI) such as Finca or Pride 0 3 Lender such as Blue, Bayport 0 4 Savings and credit cooperative (SACCO) 0 5 Chilimba 0 6 Saving group 0 7 Moneylender/kaloba/shylock 0 8 Someone in the community 1 9 Family/friends 3 10 None 0 Sysmiss 8567 9.2. Which of the following do you use? 0 8571 1 Bank 0 2 Microfinance institution (MFI) such as Finca or Pride 0 3 Lender such as Blue, Bayport 0 4 Savings and credit cooperative (SACCO) 0 5 Chilimba 0 6 Saving group 0 7 Moneylender/kaloba/shylock 0 8 Someone in the community 0 9 Family/friends 0 10 None 0 Sysmiss 8571 9.2. Which of the following do you use? 0 8571 1 Bank 0 2 Microfinance institution (MFI) such as Finca or Pride 0 3 Lender such as Blue, Bayport 0 4 Savings and credit cooperative (SACCO) 0 5 Chilimba 0 6 Saving group 0 7 Moneylender/kaloba/shylock 0 8 Someone in the community 0 9 Family/friends 0 10 None 0 Sysmiss 8571 9.2. Which of the following do you use? 0 8571 1 Bank 0 2 Microfinance institution (MFI) such as Finca or Pride 0 3 Lender such as Blue, Bayport 0 4 Savings and credit cooperative (SACCO) 0 5 Chilimba 0 6 Saving group 0 7 Moneylender/kaloba/shylock 0 8 Someone in the community 0 9 Family/friends 0 10 None 0 Sysmiss 8571 9.2. Which of the following do you use? 0 8571 1 Bank 0 2 Microfinance institution (MFI) such as Finca or Pride 0 3 Lender such as Blue, Bayport 0 4 Savings and credit cooperative (SACCO) 0 5 Chilimba 0 6 Saving group 0 7 Moneylender/kaloba/shylock 0 8 Someone in the community 0 9 Family/friends 0 10 None 0 Sysmiss 8571 9.3.1. Bank account ownership 1875 6696 1 In your name only 1527 2 In your name and someone else's name jointly 97 3 Through a group/association you belong to 9 4 In somebody else's name and not in your name at all 242 Sysmiss 6696 9.3.1. Bank account ownership 36 8535 1 In your name only 0 2 In your name and someone else's name jointly 26 3 Through a group/association you belong to 5 4 In somebody else's name and not in your name at all 5 Sysmiss 8535 9.3.1. Bank account ownership 0 8571 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 0 4 In somebody else's name and not in your name at all 0 Sysmiss 8571 9.3.1. Bank account ownership 0 8571 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 0 4 In somebody else's name and not in your name at all 0 Sysmiss 8571 9.3.2. What is the main reason why you are not using it in your own name? 242 8329 1 Too young 5 2 I don't have the right documentation 13 3 My income is insufficient/I have no income 99 4 We share the costs/it is cheaper to have one account 13 5 I am not allowed to have my own account - by spouse, househo 9 6 I don't know how to open an account 17 7 Other specify 86 Sysmiss 8329 9.3.2. What is the main reason why you are not using it in your own name? [Other 86 Because I am using mobile money. 1 Could not give any reasons 1 Don't have an income to open an account 1 Had no interest to have an account 1 Have no reason 1 He is the one working 1 I am about to open 1 I don't have account number 1 I don't have enough money 1 I don't have enough resources 1 I don't have money to put in the bank account. 1 I don't need it 1 I have been to open one for six months now but all to no avail 1 I have been using my mother s account and am comfortable with that. 1 I have no account because this is when I want to open a savings account 1 I have no reason at the moment 1 1 I just used to get paid for my farm produce in the bank 1 I move a lot so don't have time 1 I trust my mum and i would want her to have my savings if anything happened to me 1 I will do it when I have my business started. 1 I will have an account. in future when I have enough. money 1 I will open in future 1 1 I've not found a chance to open one. 1 It's in my husband's name my husband insisted that we open in his name. 1 Just decided to be that way 1 My Husband has not opened the account yet 1 My husband already had an account, so there is no need for me to have an account of my own. 1 My husband is the one who works 1 Not read to use the bank 1 Nothing 1 Respondent will open an account with time 1 Respondent's husband gave her the card to use and she cannot open an account because she has no income 1 She doesn't have enough money. 1 She used husband's name because she had left her ID in some other province and she is yet to register in her name. 1 She's not ready 1 THey just use the same account with the husband as the head of household it's to put it in his name 1 am having my opened soon 1 am planning to have my own soon 1 am too old 1 because my husband already has an account so I decided to have an mtn money account 1 depend on my husband 1 do not have own money to use 1 don't have a salary 1 don't have enough money 1 don't have much money to save 1 don't want my husband to know 1 dont have an own account 1 due to distance from here to town 1 have not yet open a bank account 1 have not yet thought of opening one yet 1 haven't just thought of opening any 1 haven't opened my account yet 1 havent opened an account yet 1 havent opened my own account 1 i dont have enough money to save on my oen account 1 intend to open 1 it was her late mothers account which has been left for her intends to change ownership 1 it's convenient 1 it's for my husband 1 1 it's in my husband's name what belongs to him it's mine too 1 it's my husband 1 just don't want 1 just haven't tried it yet 1 laziness 1 my husband is the income earner 1 no enough money to save 1 no reason 2 no reason I just want to use my father's account 1 not enough money to have my own 1 nothing just 1 prefer to have one together with spouse 1 she does not know 1 that's when I want to open an account 1 use mobile money 1 waiting for the business to grow. 1 was not getting an income then 1 was sick 1 was still thinking about it since my wife has an account. 1 we don't have here 1 we just agreed to put it in his name 1 we just. agreed to be saving together 1 wife instead me 1 9.3.2. What is the main reason why you are not using it in your own name? [Other (specify)] 9.3.3. Can you use/access the bank when you want to? 242 8329 1 Yes 175 2 No 67 Sysmiss 8329 9.3.4. What is the main reason you are not able to use/access this account when 67 8504 1 Need permission from account holder 30 2 Cannot use it when the owner of the account is not around 21 3 Not always open/available 5 4 Too far 1 5 Too expensive 0 6 Other, specify 10 Sysmiss 8504 9.3.4. What is the main reason you are not able to use/access this account when you want to? 9.3.4. What is the main reason you are not able to use/access this account when 10 0 Don't have access on how to use. 1 Don't know how to use the bank. 1 He doesn't make transactions 1 I don't have account number 1 She's not allowed 1 because it is not mine 1 don't know how to use it 1 don't like using it 1 it's not in my name 1 we just used to get paid through this account 1 9.3.4. What is the main reason you are not able to use/access this account when you want to? [Other (specify)] 9.4.1. About how often do you use bank services? 1876 6695 1 Daily 25 2 Once or more a week but not daily 236 3 Once or more a month but not weekly 1085 4 Less than once a month 530 Sysmiss 6695 9.4.2. When did you last use bank services? 1876 6695 1 Yesterday 126 2 In the past 7 days 450 3 In the past 30 days 824 4 In the past 90 days 256 5 More than 90 days ago but less than 6 months ago 83 6 6 months or longer ago 137 Sysmiss 6695 9.4.3. What is the main reason you did not use it more recenty? 476 8095 1 Didn't need it/Didn't have enough money 262 2 Doesn't suit/meet my needs 9 3 Bank too far to use regularly 21 4 Too expensive 8 5 Service is not good 2 6 Other 174 Sysmiss 8095 9.5.1. What is the main reason why you use a bank? 1876 6695 1 To receive salary/wages 399 2 To pay salaries/wages 38 3 To pay suppliers/receive money from customers 29 4 To save/earn interest on savings 460 5 To get credit/loan 7 6 To keep money safe 739 7 To send/receive money 115 8 Other 89 Sysmiss 6695 9.5.2. Which of the following do you use when you do bank transactions? 1876 6695 1 Bank branch 1296 2 atm 540 3 Mobile phone 21 4 Internet 4 5 Agent 15 Sysmiss 6695 9.5.2. Which of the following do you use when you do bank transactions? 786 7785 1 Bank branch 0 2 atm 735 3 Mobile phone 39 4 Internet 4 5 Agent 8 Sysmiss 7785 9.5.2. Which of the following do you use when you do bank transactions? 147 8424 1 Bank branch 0 2 atm 0 3 Mobile phone 123 4 Internet 12 5 Agent 12 Sysmiss 8424 9.5.2. Which of the following do you use when you do bank transactions? 25 8546 1 Bank branch 0 2 atm 0 3 Mobile phone 0 4 Internet 17 5 Agent 8 Sysmiss 8546 9.5.2. Which of the following do you use when you do bank transactions? 5 8566 1 Bank branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 5 Sysmiss 8566 9.5.3. Which do you use most often? 1878 6693 1 Bank branch 716 2 atm 1078 3 Mobile phone 59 4 Internet 7 5 Agent 18 Sysmiss 6693 9.5.4. Which of the following products or services do you use with a bank? 1876 6695 1 ATM/debit card 1350 2 Money transfer 47 3 Current/cheque account 35 4 Savings account 400 5 Fixed deposit account 18 6 Loan account 2 7 Any other account not mentioned here? Specify 24 Sysmiss 6695 9.5.4. Which of the following products or services do you use with a bank? 1107 7464 1 ATM/debit card 0 2 Money transfer 269 3 Current/cheque account 75 4 Savings account 717 5 Fixed deposit account 20 6 Loan account 5 7 Any other account not mentioned here? Specify 21 Sysmiss 7464 9.5.4. Which of the following products or services do you use with a bank? 308 8263 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 50 4 Savings account 213 5 Fixed deposit account 25 6 Loan account 16 7 Any other account not mentioned here? Specify 4 Sysmiss 8263 9.5.4. Which of the following products or services do you use with a bank? 69 8502 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 35 5 Fixed deposit account 17 6 Loan account 14 7 Any other account not mentioned here? Specify 3 Sysmiss 8502 9.5.4. Which of the following products or services do you use with a bank? 16 8555 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 7 6 Loan account 9 7 Any other account not mentioned here? Specify 0 Sysmiss 8555 9.5.4. Which of the following products or services do you use with a bank? 4 8567 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 4 7 Any other account not mentioned here? Specify 0 Sysmiss 8567 9.5.4. Which of the following products or services do you use with a bank? 0 8571 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 0 7 Any other account not mentioned here? Specify 0 Sysmiss 8571 52 0 999 1 Doesn't Use any accounts with the Bank. 1 I don't know 1 I use zapit. 1 Open account 1 Rural savings. 1 Smart Account 1 Xapit 4 Xapit Account 1 account used to pay farmers 3 an account used to pay farmers 1 business acount 1 cash 1 deposit slip and account slip 1 don't know 2 farmers account 1 future account 1 get paid after I sell my produce 1 he's not sure it seems he just receives money from the bank but doesn't have an account there. 1 home 1 just receiving 1 just receiving the money 1 makumbi account at finance bank 1 marketing account. 1 mobile 1 none 1 none he only deposits money to his wife's account. 1 ordinary account 1 payment account used to receive money for farm prodice 1 salary account 3 salary account with Zambia national building society 1 she to withdraw from the bank branch 1 smart card account 1 these are food reserve cheque 1 ultimate account 2 when getting payment from FRA 1 xabit account 1 xapit 2 xapit account 3 zanaco saver account 1 9.6. What is the main reason why you do not have a bank account/have stopped usi 6600 1971 1 Does not need it - Insufficient or no money coming it to jus 4009 2 Cannot maintain the minimum balance 840 3 Bank service charges are too high 177 4 Banks are too far away 339 5 Banking hours are not convenient 13 6 Does not have the documentation required 121 7 Does not know how to open a bank account 176 8 Does not understand benefits of having a bank account 147 9 Does not trust banks 36 10 Banks do not provide the products or services I need 7 11 Can get the same services elsewhere in the community 13 12 Need permission of someone else to open it 20 13 Feel intimidated by the bank environment/Does not feel comfo 24 14 Other, specify 678 Sysmiss 1971 9.6. What is the main reason why you do not have a bank account/have stopped using a bank account? 9.6. What is the main reason why you do not have a bank account/have stopped usi 1724 9.6. What is the main reason why you do not have a bank account/have stopped using a bank account? [Other (specify)] 9.7.1. When you use a microfinance institution such as Finca or Pride do you use 73 8498 1 In your name only 55 2 In your name and someone else's name jointly 5 3 Through a group/association you belong to 9 4 In somebody else's name and not in your name at all 4 Sysmiss 8498 9.7.1. When you use a microfinance institution such as Finca or Pride do you use it ... 9.7.1. When you use a microfinance institution such as Finca or Pride do you use 6 8565 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 5 4 In somebody else's name and not in your name at all 1 Sysmiss 8565 9.7.1. When you use a microfinance institution such as Finca or Pride do you use it ... 9.7.1. When you use a microfinance institution such as Finca or Pride do you use 0 8571 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 0 4 In somebody else's name and not in your name at all 0 Sysmiss 8571 9.7.1. When you use a microfinance institution such as Finca or Pride do you use it ... 9.7.1. When you use a microfinance institution such as Finca or Pride do you use 0 8571 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 0 4 In somebody else's name and not in your name at all 0 Sysmiss 8571 9.7.1. When you use a microfinance institution such as Finca or Pride do you use it ... 9.7.2. What is the main reason why you are not using it in your own name? 4 8567 1 Too young 0 2 I don't have the right documentation 1 3 My income is insufficient/I have no income 0 4 We share the costs/it is cheaper to have one account 1 5 I am not allowed to have my own account - by spouse, househo 0 6 I don't know how to open an account 0 7 Other specify 2 Sysmiss 8567 9.7.2. What is the main reason why you are not using it in your own name? [Other 2 0 Because most of the Time my wife borrows from there 1 my husband is the one who opened the account 1 9.7.2. What is the main reason why you are not using it in your own name? [Other (specify)] 9.7.3. Can you use/access the microfinance institution when you want to? 4 8567 1 Yes 3 2 No 1 Sysmiss 8567 9.7.4. What is the main reason you are not able to use/access it when you want t 1 8570 1 Need permission from account holder 0 2 Cannot use it when the owner of the account is not around 0 3 Not always open/available 0 4 Too far 0 5 Too expensive 1 6 Other, specify 0 Sysmiss 8570 9.7.4. What is the main reason you are not able to use/access it when you want to? 9.7.4. What is the main reason you are not able to use/access it when you want t 0 0 9.7.4. What is the main reason you are not able to use/access it when you want to? [Other (specify)] 9.8.1. About how often do you use the services of a microfinance institution? 73 8498 1 Daily 0 2 Once or more a week but not daily 6 3 Once or more a month but not weekly 29 4 Less than once a month 38 Sysmiss 8498 9.8.2. When did you last use these services? 73 8498 1 Yesterday 1 2 In the past 7 days 12 3 In the past 30 days 25 4 In the past 90 days 11 5 More than 90 days ago but less than 6 months ago 10 6 6 months or longer ago 14 Sysmiss 8498 9.8.3. What is the main reason you did not use it more recenty? 35 8536 1 Didn't need it/Didn't have enough money 13 2 Doesn't suit/meet my needs 2 3 MFI too far to use regularly 1 4 Too expensive 1 5 Service is not good 2 6 Other 16 Sysmiss 8536 9.9.1. What is the main reason why you use a microfinance institution such as Fi 73 8498 1 To receive salary/wages 3 2 To pay salaries/wages 0 3 To pay suppliers/receive money from customers 2 4 To save/earn interest on savings 9 5 To get credit/loan 40 6 To keep money safe 5 7 To send/receive money 4 8 Other 10 Sysmiss 8498 9.9.1. What is the main reason why you use a microfinance institution such as Finca or Pride? 9.9.2. Which of the following do you use when you do transactions with them? 73 8498 1 Branch 60 2 atm 4 3 Mobile phone 0 4 Internet 0 5 Agent 9 Sysmiss 8498 9.9.2. Which of the following do you use when you do transactions with them? 7 8564 1 Branch 0 2 atm 3 3 Mobile phone 0 4 Internet 0 5 Agent 4 Sysmiss 8564 9.9.2. Which of the following do you use when you do transactions with them? 1 8570 1 Branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 1 Sysmiss 8570 9.9.2. Which of the following do you use when you do transactions with them? 0 8571 1 Branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 0 Sysmiss 8571 9.9.2. Which of the following do you use when you do transactions with them? 0 8571 1 Branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 0 Sysmiss 8571 9.9.2. Which do you use most often? 73 8498 1 Branch 57 2 atm 5 3 Mobile phone 0 4 Internet 0 5 Agent 11 Sysmiss 8498 9.9.4. Which of the following products or services do you use with a microfinanc 73 8498 1 ATM/debit card 8 2 Money transfer 1 3 Current/cheque account 0 4 Savings account 27 5 Fixed deposit account 0 6 Loan account 31 7 Any other account not mentioned here? Specify 6 Sysmiss 8498 9.9.4. Which of the following products or services do you use with a microfinance institution? 9.9.4. Which of the following products or services do you use with a microfinanc 15 8556 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 3 5 Fixed deposit account 4 6 Loan account 8 7 Any other account not mentioned here? Specify 0 Sysmiss 8556 9.9.4. Which of the following products or services do you use with a microfinance institution? 9.9.4. Which of the following products or services do you use with a microfinanc 1 8570 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 1 7 Any other account not mentioned here? Specify 0 Sysmiss 8570 9.9.4. Which of the following products or services do you use with a microfinance institution? 9.9.4. Which of the following products or services do you use with a microfinanc 0 8571 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 0 7 Any other account not mentioned here? Specify 0 Sysmiss 8571 9.9.4. Which of the following products or services do you use with a microfinance institution? 9.9.4. Which of the following products or services do you use with a microfinanc 0 8571 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 0 7 Any other account not mentioned here? Specify 0 Sysmiss 8571 9.9.4. Which of the following products or services do you use with a microfinance institution? 9.9.4. Which of the following products or services do you use with a microfinanc 0 8571 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 0 7 Any other account not mentioned here? Specify 0 Sysmiss 8571 9.9.4. Which of the following products or services do you use with a microfinance institution? 9.9.4. Which of the following products or services do you use with a microfinanc 0 8571 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 0 7 Any other account not mentioned here? Specify 0 Sysmiss 8571 9.9.4. Which of the following products or services do you use with a microfinance institution? 9.9.4. Which of the following products or services do you use with a microfinanc 6 0 Dont know it well 1 cash 1 get cash 1 no account, just gotten the loan once 1 none. all you need is collateral 1 pay through the same organization 1 9.9.4. Which of the following products or services do you use with a microfinance institution? (Other, specify) 9.10. What is the main reason why you do not use a microfinance institution like 8401 170 1 Does not need it - Insufficient or no money coming it to jus 2183 2 Cannot maintain the minimum balance 501 3 MFI service charges are too high 323 4 MFIs are too far away 586 5 MFI hours are not convenient 17 6 Does not have the documentation required 196 7 Does not know how to open an account at an MFI 416 8 Does not understand benefits of having a account 460 9 Does not trust banks 145 10 MFIs do not provide the products or services I need 38 11 Can get the same services elsewhere in the community 72 12 Need permission of someone else to open it 28 13 Feel intimidated by the MFI environment/Does not feel comfor 74 14 Other, specify 1266 15 Fear not being able to pay back loans 97 16 Does not meet collateral requirements 11 17 dont know them 1988 Sysmiss 170 9.10. What is the main reason why you do not use a microfinance institution like Finca or Pride? 9.10. What is the main reason why you do not use a microfinance institution like 3594 9.11.1. When you use a SACCO do you use it ... 88 8483 1 In your name only 52 2 In your name and someone else's name jointly 1 3 Through a group/association you belong to 25 4 In somebody else's name and not in your name at all 10 Sysmiss 8483 9.11.1. When you use a SACCO do you use it ... 1 8570 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 1 4 In somebody else's name and not in your name at all 0 Sysmiss 8570 9.11.1. When you use a SACCO do you use it ... 0 8571 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 0 4 In somebody else's name and not in your name at all 0 Sysmiss 8571 9.11.1. When you use a SACCO do you use it ... 0 8571 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 0 4 In somebody else's name and not in your name at all 0 Sysmiss 8571 9.11.2. What is the main reason why you are not using it in your own name? 10 8561 1 Too young 0 2 I don't have the right documentation 1 3 My income is insufficient/I have no income 1 4 We share the costs/it is cheaper to have one account 1 5 I am not allowed to have my own account - by spouse, househo 1 6 I don't know how to open an account 1 7 Other specify 5 Sysmiss 8561 9.11.2. What is the main reason why you are not using it in your own name? [Othe 5 0 I migrate alot 1 it's mostly dominated by women 1 no income of your own 1 not yet decided 1 not yet interested at the moment 1 9.11.2. What is the main reason why you are not using it in your own name? [Other (specify)] 9.11.3. Can you use/access the SACCO when you want to? 10 8561 1 Yes 7 2 No 3 Sysmiss 8561 9.11.4. What is the main reason you are not able to use/access it when you want 3 8568 1 Need permission from account holder 0 2 Cannot use it when the owner of the account is not around 1 3 Not always open/available 1 4 Too far 0 5 Too expensive 0 6 Other, specify 1 Sysmiss 8568 9.11.4. What is the main reason you are not able to use/access it when you want to? 9.11.4. What is the main reason you are not able to use/access it when you want 1 0 no reason 1 9.11.4. What is the main reason you are not able to use/access it when you want to? [Other (specify)] 9.12.1. About how often do you use SACCO services? 88 8483 1 Daily 3 2 Once or more a week but not daily 7 3 Once or more a month but not weekly 26 4 Less than once a month 52 Sysmiss 8483 9.12.2. When did you last use the services of a SACCO? 88 8483 1 Yesterday 5 2 In the past 7 days 8 3 In the past 30 days 26 4 In the past 90 days 24 5 More than 90 days ago but less than 6 months ago 10 6 6 months or longer ago 15 Sysmiss 8483 9.12.3. What is the main reason you did not use it more recenty? 49 8522 1 Didn't need it/Didn't have enough money 14 2 Doesn't suit/meet my needs 1 3 SACCO too far to use regularly 1 4 Too expensive 1 5 Service is not good 0 6 Other 32 Sysmiss 8522 9.13.1. What is the main reason why you use a SACCO? 88 8483 1 To receive salary/wages 1 2 To pay salaries/wages 1 3 To pay suppliers/receive money from customers 3 4 To save/earn interest on savings 27 5 To get credit/loan 14 6 To keep money safe 18 7 To send/receive money 0 8 Other 24 Sysmiss 8483 9.13.2. Which of the following do you use when you do transactions with them? 88 8483 1 Branch 66 2 atm 3 3 Mobile phone 1 4 Internet 2 5 Agent 16 Sysmiss 8483 9.13.2. Which of the following do you use when you do transactions with them? 4 8567 1 Branch 0 2 atm 4 3 Mobile phone 0 4 Internet 0 5 Agent 0 Sysmiss 8567 9.13.2. Which of the following do you use when you do transactions with them? 0 8571 1 Branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 0 Sysmiss 8571 9.13.2. Which of the following do you use when you do transactions with them? 0 8571 1 Branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 0 Sysmiss 8571 9.13.2. Which of the following do you use when you do transactions with them? 0 8571 1 Branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 0 Sysmiss 8571 9.13.3. Which do you use most often? 90 8481 1 Branch 64 2 atm 5 3 Mobile phone 1 4 Internet 2 5 Agent 18 Sysmiss 8481 9.13.4. Which of the following products or services do you use with a SACCO? 88 8483 1 ATM/debit card 10 2 Money transfer 1 3 Current/cheque account 0 4 Savings account 54 5 Fixed deposit account 2 6 Loan account 5 7 Any other account not mentioned here? Specify 16 Sysmiss 8483 9.13.4. Which of the following products or services do you use with a SACCO? 7 8564 1 ATM/debit card 0 2 Money transfer 1 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 6 7 Any other account not mentioned here? Specify 0 Sysmiss 8564 9.13.4. Which of the following products or services do you use with a SACCO? 1 8570 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 1 5 Fixed deposit account 0 6 Loan account 0 7 Any other account not mentioned here? Specify 0 Sysmiss 8570 9.13.4. Which of the following products or services do you use with a SACCO? 1 8570 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 1 7 Any other account not mentioned here? Specify 0 Sysmiss 8570 9.13.4. Which of the following products or services do you use with a SACCO? 0 8571 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 0 7 Any other account not mentioned here? Specify 0 Sysmiss 8571 9.13.4. Which of the following products or services do you use with a SACCO? 0 8571 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 0 7 Any other account not mentioned here? Specify 0 Sysmiss 8571 9.13.4. Which of the following products or services do you use with a SACCO? 0 8571 1 ATM/debit card 0 2 Money transfer 0 3 Current/cheque account 0 4 Savings account 0 5 Fixed deposit account 0 6 Loan account 0 7 Any other account not mentioned here? Specify 0 Sysmiss 8571 9.13.4. Which of the following products or services do you use with a SACCO? [Ot 16 0 I do not know 1 agent 2 agents 1 gives money to the chairman who ends up depositing 1 inputs purchasing accounts 1 keep money with them 1 me I was just a member in a group 1 none 1 shares 1 someone gets money on behalf and pays cash in hand 1 straight deposit 1 the money is withdrawn from the bank then given in hand 1 the respondent joined the group recently and they intend to implement the start of the cooperative 1 they give and distribute fertilizer to farmers 1 through the Secretary, chairman and treasure 1 9.13.4. Which of the following products or services do you use with a SACCO? [Other (specify)] 9.14. What is the main reason why you do not use SACCOs? 8386 185 1 Does not need it - Insufficient or no money coming it to jus 2205 2 Cannot maintain the minimum balance 471 3 SACCO service charges are too high 207 4 SACCOs are too far away 384 5 SACCO hours are not convenient 11 6 Does not have the documentation required 143 7 Does not know how to open an account at a SACCO 438 8 Does not understand benefits of having an account 443 9 Does not trust SACCOs 192 10 SACCOs do not provide the products or services I need 25 11 Can get the same services elsewhere in the community 78 12 Need permission of someone else to open it 33 13 Feel intimidated by the SACCO environment/Does not feel comf 45 14 Other, specify 3711 Sysmiss 185 3711 9.15.1. When you use a microlender like Blue or Bayport do you use it ... 92 8479 1 In your name only 84 2 In your name and someone else's name jointly 3 3 Through a group/association you belong to 1 4 In somebody else's name and not in your name at all 4 Sysmiss 8479 9.15.1. When you use a microlender like Blue or Bayport do you use it ... 0 8571 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 0 4 In somebody else's name and not in your name at all 0 Sysmiss 8571 9.15.1. When you use a microlender like Blue or Bayport do you use it ... 0 8571 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 0 4 In somebody else's name and not in your name at all 0 Sysmiss 8571 9.15.1. When you use a microlender like Blue or Bayport do you use it ... 0 8571 1 In your name only 0 2 In your name and someone else's name jointly 0 3 Through a group/association you belong to 0 4 In somebody else's name and not in your name at all 0 Sysmiss 8571 9.15.2. What is the main reason why you are not using it in your own name? 4 8567 1 Too young 0 2 I don't have the right documentation 0 3 My income is insufficient/I have no income 3 4 We share the costs/it is cheaper to have one account 0 5 I am not allowed to have my own account - by spouse, househo 0 6 I don't know how to open an account 1 7 Other specify 0 Sysmiss 8567 9.15.2. What is the main reason why you are not using it in your own name? [Othe 0 0 9.15.2. What is the main reason why you are not using it in your own name? [Other (specify)] 9.15.3. Can you use/access a microlender like Blue Bayport when you want to? 4 8567 1 Yes 2 2 No 2 Sysmiss 8567 9.15.4. What is the main reason you are not able to use/access it when you want 2 8569 1 Need permission from account holder 1 2 Cannot use it when the owner of the account is not around 0 3 Not always open/available 0 4 Too far 0 5 Too expensive 0 6 Other, specify 1 Sysmiss 8569 9.15.4. What is the main reason you are not able to use/access it when you want to? 9.15.4. What is the main reason you are not able to use/access it when you want 1 0 no business 1 9.15.4. What is the main reason you are not able to use/access it when you want to? [Other (specify)] 9.16.1. About how often do you use the services of microlender like Blue or Bayp 92 8479 1 Daily 1 2 Once or more a week but not daily 2 3 Once or more a month but not weekly 31 4 Less than once a month 58 Sysmiss 8479 9.16.1. About how often do you use the services of microlender like Blue or Bayport? 9.16.2. When did you last use it? 92 8479 1 Yesterday 1 2 In the past 7 days 1 3 In the past 30 days 23 4 In the past 90 days 10 5 More than 90 days ago but less than 6 months ago 11 6 6 months or longer ago 46 Sysmiss 8479 9.16.3. What is the main reason you did not use it more recenty? 67 8504 1 Didn't need it/Didn't have enough money 18 2 Doesn't suit/meet my needs 3 3 Microlender too far to use regularly 2 4 Too expensive 8 5 Service is not good 2 6 Other 34 Sysmiss 8504 9.17.1. What is the main reason why you use a Blue or Bayport ? 92 8479 1 To receive salary/wages 1 2 To pay salaries/wages 0 3 To pay suppliers/receive money from customers 0 4 To save/earn interest on savings 1 5 To get credit/loan 69 6 To keep money safe 0 7 To send/receive money 4 8 Other 17 Sysmiss 8479 9.17.2. Which of the following do you use when you do transactions with them? 92 8479 1 Branch 73 2 atm 7 3 Mobile phone 0 4 Internet 0 5 Agent 12 Sysmiss 8479 9.17.2. Which of the following do you use when you do transactions with them? 8 8563 1 Branch 0 2 atm 2 3 Mobile phone 1 4 Internet 0 5 Agent 5 Sysmiss 8563 9.17.2. Which of the following do you use when you do transactions with them? 0 8571 1 Branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 0 Sysmiss 8571 9.17.2. Which of the following do you use when you do transactions with them? 0 8571 1 Branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 0 Sysmiss 8571 9.17.2. Which of the following do you use when you do transactions with them? 0 8571 1 Branch 0 2 atm 0 3 Mobile phone 0 4 Internet 0 5 Agent 0 Sysmiss 8571 9.17.3. Which do you use most often? 92 8479 1 Branch 70 2 atm 8 3 Mobile phone 1 4 Internet 0 5 Agent 13 Sysmiss 8479 9.17.4. Which products or services do you use with a micrrolender like Blue or B 92 8479 1 Loan account 83 2 Any other account not mentioned here? Specify 9 Sysmiss 8479 9.17.4. Which products or services do you use with a micrrolender like Blue or Bayport? 9.17.4. Which products or services do you use with a micrrolender like Blue or B 0 8571 1 Loan account 0 2 Any other account not mentioned here? Specify 0 Sysmiss 8571 9.17.4. Which products or services do you use with a micrrolender like Blue or Bayport? 9.17.4. Which products or services do you use with a micrrolender like Blue or B 9 0 I just borrow money from them 1 I just go there to borrow money I don't have an account there 1 I just registered for a loan and they have been deducting from my salary 1 Savings 1 doesn't have an account, just uses it to send money 1 just receiving money 1 money from income 1 no account needed 1 saving 1 9.17.4. Which products or services do you use with a micrrolender like Blue or Bayport? [Other (specify)] 9.18. What is the main reason why you do not use a microlender like Blue or Bayp 8382 189 1 Does not need it - Insufficient or no money coming it to jus 2320 2 Cannot maintain the minimum balance 526 3 Microlender service charges are too high 321 4 Microlenders are too far away 424 5 Microlender hours are not convenient 12 6 Does not have the documentation required 274 7 Does not trust microlenders 228 8 Microlenders do not provide the products or services I need 54 9 Can get the same services elsewhere in the community 87 10 Need permission of someone else to open it 44 11 Feel intimidated by microlenders/Does not feel comfortable d 87 12 Other, specify 4005 Sysmiss 189 9.18. What is the main reason why you do not use a microlender like Blue or Bayport? 9.18. What is the main reason why you do not use a microlender like Blue or Bayp 4004 9.18. What is the main reason why you do not use a microlender like Blue or Bayport? [Other (specify)] 8479 92 1 Savings account at a bank 4576 2 Loan account at a bank 206 3 Savings at a microfinance institution like Finca or Pride 55 4 Loan at a microfinance institution like Finca or Pride 32 5 Savings at a savings and credit cooperative (SACCO) 32 6 Loan at a savings and credit cooperative (SACCO) 17 7 Chilimba 864 8 Savings in a savings group 282 9 Loan from a savings group 27 10 Loan from a kaloba/shylock 81 11 Mobile money services - remittances 99 12 Mobile money services for paying bills 47 13 Mobile money services for buying goods 88 14 None 2073 Sysmiss 92 8479 92 1 15 minutes or less 1974 2 More than 15 to 30 minutes 1423 3 More than 30 minutes to an hour 1223 4 More than an hour 2436 5 Don't know 1423 Sysmiss 92 8479 92 1 15 minutes or less 2072 2 More than 15 to 30 minutes 1453 3 More than 30 minutes to an hour 1149 4 More than an hour 2244 5 Don't know 1561 Sysmiss 92 8479 92 1 15 minutes or less 4325 2 More than 15 to 30 minutes 1732 3 More than 30 minutes to an hour 1216 4 More than an hour 658 5 Don't know 548 Sysmiss 92 8479 92 1 15 minutes or less 2778 2 More than 15 to 30 minutes 1774 3 More than 30 minutes to an hour 1692 4 More than an hour 1765 5 Don't know 470 Sysmiss 92 8479 92 1 15 minutes or less 1139 2 More than 15 to 30 minutes 1261 3 More than 30 minutes to an hour 1701 4 More than an hour 2622 5 Don't know 1756 Sysmiss 92 8479 92 1 15 minutes or less 1253 2 More than 15 to 30 minutes 1313 3 More than 30 minutes to an hour 1494 4 More than an hour 2519 5 Don't know 1900 Sysmiss 92 8479 92 1 15 minutes or less 437 2 More than 15 to 30 minutes 605 3 More than 30 minutes to an hour 860 4 More than an hour 1583 5 Don't know 4994 Sysmiss 92 8479 92 1 15 minutes or less 321 2 More than 15 to 30 minutes 580 3 More than 30 minutes to an hour 984 4 More than an hour 1654 5 Don't know 4940 Sysmiss 92 8479 92 1 15 minutes or less 376 2 More than 15 to 30 minutes 594 3 More than 30 minutes to an hour 1043 4 More than an hour 1659 5 Don't know 4807 Sysmiss 92 8479 92 1 15 minutes or less 1367 2 More than 15 to 30 minutes 775 3 More than 30 minutes to an hour 796 4 More than an hour 1267 5 Don't know 4274 Sysmiss 92 8479 92 1 15 minutes or less 890 2 More than 15 to 30 minutes 842 3 More than 30 minutes to an hour 967 4 More than an hour 1659 5 Don't know 4121 Sysmiss 92 8479 92 1 Yes 6775 2 No 1704 Sysmiss 92 8479 92 1 Yes 6287 2 No 2192 Sysmiss 92 8479 92 1 Yes 6231 2 No 2248 Sysmiss 92 8479 92 1 Yes 6480 2 No 1999 Sysmiss 92 Weighting variable 8479 92 265.468 13755.353 Have or use bank services 8479 92 0 No 6267 1 Yes 2212 Sysmiss 92 Have or use non-bank formal services 8479 92 0 No 5904 1 Yes 2575 Sysmiss 92 Have or use formal services 8479 92 0 No 5054 1 Yes 3425 Sysmiss 92 Have or use mobile money services 8479 92 0 No 7196 1 Yes 1283 Sysmiss 92 8479 92 0 No 5158 1 Yes 3321 Sysmiss 92 Have or use pension services 8479 92 0 No 8139 1 Yes 340 Sysmiss 92 Have or use insurance 8479 92 0 No 8236 1 Yes 243 Sysmiss 92 Access strand 8479 92 1 Have or use bank services 2212 2 Dont use bank services but have or use non-bank formal services 1213 3 Dont have or use formal services but use informal services 1769 4 Financially excluded 3285 Sysmiss 92 PPI quintiles 8479 92 1 PPI 1 (poorest) 1571 2 PPI 2 3385 3 PPI 3 2397 4 PPI 4 1043 5 PPI 5 83 Sysmiss 92 FSDZ access strand 8479 92 1 Have/use financial services - formal only 1873 2 Have/use financial services - formal and informal 1552 3 Have/use financial services - informal only 1769 4 Dont use financial services at all 3285 Sysmiss 92 A1b. District 8570 0 CHOMA 140 Chadiza 40 Chama 60 Chavuma 30 Chibombo 126 Chiengi 86 Chililabombwe 60 Chilubi 41 Chingola 141 Chinsali 106 Chipata 330 Chongwe 152 GWEMBE 20 ITEZHI-TEZHI 40 Ikelenge 10 Isoka 90 KALABO 70 KALOMO 100 KAOMA 117 KAZUNGULA 30 Kabompo 99 Kabwe 225 Kafue 181 Kalulushi 60 Kapiri Mposhi 130 Kaputa 50 Kasama 232 Kasempa 37 Katete 110 Kawambwa 100 Kitwe 325 LIVINGSTONE 151 LUKULU 26 Luangwa 20 Luanshya 112 Lufwanyama 55 Lundazi 127 Lusaka 1135 Luwingu 73 MAZABUKA 140 MONGU 223 MONZE 90 Mafinga 29 Mambwe 39 Mansa 236 Masaiti 61 Mbala 110 Milenge 10 Mkushi 71 Mpika 181 Mpongwe 63 Mporokoso 61 Mpulungu 92 Mufulira 101 Mufumbwe 37 Mumbwa 110 Mungwi 80 Mwense 90 Mwinilunga 71 NAMWALA 41 Nakonde 158 Nchelenge 130 Ndola 284 Nyimba 30 Petauke 157 SENANGA 89 SESHEKE 79 SHANGOMBO 42 SIAVONGA 60 SINAZONGWE 41 Samfya 110 Serenje 70 Solwezi 286 Zambezi 61 A2b. Ward 8570 0 Banamwaze 10 Basanga 10 Bazimu 8 Ben Kapufi 10 Buchi 10 Bulangililo1 7 Bulangililo2 13 Bumba 10 Bunda Bunda 9 Buntungwa 25 Bupalo 11 Bupe 9 Buseko 1 10 Buseko 10 11 Buseko 11 10 Buseko 2 10 Buseko 3 11 Buseko 4 10 Buseko 5 10 Buseko 6 10 Buseko 7 10 Buseko 8 10 Buseko 9 11 Buteko 10 Butondo 5 Bwacha 19 Bwafwano 10 Bwananyina 7 Bwandela 10 Bweengwa 10 Chaamwe 10 Chabanyama 10 Chachacha 10 Chadiza 10 Chainda 1 8 Chainda 2 14 Chaisa 11 Chakunkula 1 10 Chakunkula 2 10 Chalimbana 22 Chaloshi 10 Chambeshi 10 Chamboli 10 Chamtowa 10 Chamuka 10 Changondo 10 Chansusu 10 Chavuma 18 Chawama 1 27 Chawama 2 3 Chawama 3 11 Chawama 4 10 Chembe 10 Chiawa 15 Chiba 10 Chibefwe 1 11 Chibefwe 2 10 Chibeleka 1 10 Chibeleka 2 10 Chibeleka 3 12 Chibeleka 4 10 Chibombo 10 Chibote 10 Chibundu 10 Chibungwe 12 Chienge 41 Chifubu 10 Chifunabuli 11 Chikanda 10 Chikando 10 Chikanta 10 Chikola 9 Chilabula 12 Chilanga 1 17 Chilanga 2 13 Chilenje 10 Chilenje 1 10 Chilenje 2 11 Chilenje 3 11 Chililalila 12 Chilinda 10 Chilongo 1 10 Chilongo 2 15 Chilongo 4 10 Chilongo 5 15 Chilongolo 1 10 Chilongolo 2 12 Chilula 30 Chilunga 10 Chimaliro 10 Chimana1 10 Chimana2 10 Chimana3 19 Chimana4 1 Chimbanga 10 Chimbili 10 Chimbwelo 1 10 Chimbwelo 2 10 Chimbwelo 4 10 Chimbwelo 5 10 Chimpolenge 10 Chimwemwe 10 Chindwale 10 Chingazi 10 Chinkuli 10 Chinkundu 10 Chinondo 10 Chinyanja 10 Chipamba 10 Chipembele 10 Chipili 10 Chipulukusu1 10 Chipulukusu2 10 Chipulukusu3 10 Chirundu 10 Chirwa 1 10 Chirwa 2 6 Chirwa 3 14 Chirwa 4 10 Chisamba 10 Chisangu 6 Chisankane 6 Chisenga 10 Chisha 10 Chisha Mwamba 10 Chishibe Isonde 10 Chisiya 10 Chisupa 11 Chitambo 10 Chitanda 11 Chitete 10 Chitimukulu 10 Chitokoloki 10 Chitutu 3 Chiwempala 20 Chiweza 10 Choma 10 Chongwe 1 12 Chongwe 2 11 Choonga 10 Chozi 10 Chunga 9 Dag Hammerskjoeld 10 Dambwa Central 10 David Ramushu 10 Dilika 1 10 Dilika 2 10 Dilika 3 10 Dr. Mubitana 10 Dzalo 16 Fibalala 10 Fibwe 10 Fisaka 5 Fisenge 10 Francis Mukuka 10 Freedom 10 Fube 10 Fungwa 10 Hamaundu 10 Hanky Kalanga 10 Harry Mwaanga Nkumbula 10 8 Harry Mwaanga Nkumbula 11 49 Harry Mwaanga Nkumbula 12 1 Harry Mwaanga Nkumbula 2 2 Harry Mwaanga Nkumbula 3 11 Harry Mwaanga Nkumbula 4 11 Harry Mwaanga Nkumbula 5 10 Harry Mwaanga Nkumbula 6 15 Harry Mwaanga Nkumbula 7 4 Harry Mwaanga Nkumbula 8 6 Harry Mwaanga Nkumbula 9 10 Highridge 10 Ibenga 1 10 Ibenga 2 10 Ibolelo 2 10 Ibolelo1 10 Ibwemunyama 10 Ichimpe 10 Ichinga 1 20 Ichinga 2 6 Ichinga 3 10 Ikelenge 10 Ilambo 15 Ilombe 10 Imatanda 25 Imatanda 1 10 Imatanda 2 5 Imatanda 3 9 Imwiko 1 12 Imwiko 2 5 Imwiko 3 9 Imwiko 4 9 Imwiko 5 10 Independence 10 Ipafu 10 Ipusukilo 1 10 Ipusukilo2 10 Ipusukilo3 9 Ishitwe 5 Isunga 14 Itala 8 Itawa 11 Itezhi-Tezhi 15 Itimpi 10 Itukuta 15 Iyaya 10 Iyendwe 21 John Howard 1 8 John Howard 2 16 John Kapengele 18 Justine Kabwe 20 Justine Kabwe 1 9 Justine Kabwe 2 11 Justine Kabwe 3 19 Kabipupu 9 Kabompo 1 10 Kabompo 2 10 Kabompo 3 10 Kabulonga 1 27 Kabulonga 2 10 Kabulonga 3 5 Kabundia 10 Kabungo 1 Kabushi 15 Kabwata 1 7 Kabwata 2 13 Kafue 20 Kafumbo 9 Kaila 15 Kajilime 10 Kakoma 10 Kakose 10 Kakoso 10 Kakwelesa 10 Kalambu 19 Kalanga 1 10 Kalanga 2 10 Kaleulu 10 Kalingalinga 1 20 Kalingalinga 2 10 Kalobolelwa 10 Kaloko 10 Kalonda 10 Kalonga 10 Kalundanya 20 Kalwa 10 Kamalamba 1 10 Kamalamba 2 10 Kamalamba 3 18 Kamba 11 Kambai 5 Kambule 1 20 Kambule 3 6 Kamimba 10 Kamisombo 10 Kamphemba 1 10 Kamphemba 2 10 Kamphemba 3 10 Kamulanga 1 6 Kamulanga 2 14 Kamwala 1 15 Kamwala 3 5 Kamwaza 9 Kanakantapa 10 Kanjala 1 24 Kanjala 2 10 Kanjala 3 5 Kanjala 4 2 Kanjala 5 12 Kanjala 6 16 Kankonshi 5 Kanona 10 Kanongesha 10 Kanongo 10 Kansenshi 5 Kansonka 5 Kantenda 8 Kantolomba 9 Kanyama 1 11 Kanyama 10 31 Kanyama 11 10 Kanyama 2 7 Kanyama 3 12 Kanyama 4 14 Kanyama 5 9 Kanyama 6 10 Kanyama 8 10 Kanyenda 15 Kanyonyo 1 23 Kanyonyo 3 10 Kaombe 10 Kapachi 10 Kapata 10 Kapata 1 5 Kapata 2 10 Kapata 3 10 Kapata 4 13 Kapata 5 8 Kapata 6 10 Kapijimpanga 1 11 Kapijimpanga 2 10 Kapiri Central 12 Kapisha 1 10 Kapisha 2 7 Kapoche 10 Kaputula 9 Kapwayambale 1 10 Kapwayambale 2 9 Kapwepwe 1 11 Kapwepwe 2 10 Kapwepwe 3 9 Kariba 20 Kasaba 10 Kasala 10 Kasamanda 9 Kasamba 10 Kasempa 5 Kasenga 19 Kasengo 10 Kasengu 10 Kasenje 10 Kashikishi 1 10 Kashikishi 2 10 Kashitu 10 Kasiya 9 Kasoka 1 10 Kasoka 2 5 Kasoka 3 10 Kasoka 4 5 Kasoka 5 10 Kasoka 6 15 Katanshya 10 Katapazi 10 Katimba 10 Katiula 10 Katofwo 10 Katongo 15 Katopola 20 Katuba 31 Katuva 7 Kauba 10 Kaula 12 Kawama 20 Kawama 1 29 Kawama 2 11 Kawama 3 10 Kawambwa 1 10 Kawambwa 2 15 Kayena 11 Kayo 10 Kazimolwa 12 Kazimolwa 1 10 Kazimolwa 2 10 Kazimolwa 3 10 Kazimule 10 Keembe 11 Kikonkomeme 10 Kimasala 1 10 Kimasala 2 10 Kimasala 3 11 Kimasala 4 12 Kimasala 5 10 Kimasala 6 10 Kimasala 7 11 Kimasala 8 9 Kkoma 10 Kovyane 10 Kwacha 22 Kwenje 9 Lalafuta 10 Levi Chiko 10 Lewanika 10 Libala 12 Libuyu 11 Lima 1 11 Lima 2 10 Lima 3 10 Lima 4 10 Limulunga 14 Lingelengenda 12 Lipuwe 9 Litoya 10 Liumena 10 Liyovu 10 Lizuma 10 Loloma 1 10 Loloma 2 10 Loloma 3 10 Lualuo 10 Luanchele 12 Luandi 10 Luanginga 20 Luangwa 1 12 Luangwa 2 10 Luangwa1 10 Luangwa2 10 Luangwa3 9 Luapula 10 Luau 18 Lubaleshi 8 Lubambala 1 16 Lubambala 2 20 Lubambala 3 10 Lubambala 4 10 Lubombo 10 Lubuto 20 Lubwa 20 Lubwa 1 9 Lubwa 3 10 Luchinde 5 Luhoka 9 Lui 10 Lukangaba 20 Lukupa 10 Lukusuzi 7 Lulamba 10 Lumamya 10 Lumumba 10 Lumwana 10 Lunchu 10 Lundashi 10 Lunkunyi 10 Lunsona 10 Lunte 11 Luongo 10 Lupiya 10 Lusitu 10 Lutale 10 Lutondo 10 Lwata 10 Lwezi 10 Lwingishi 12 Lwitikila 16 MAGOYE 20 Maala 10 Mabula 10 Mabumbu 10 Magodi 11 Makombwe 10 Malalo 10 Malima 10 Malundu 10 Manchanvwa 10 Mandia 10 Mandondo 10 Manjazi 10 Manungu 40 Manyika 10 Maondo 10 Mapanza 10 Maramba 10 Masala 8 Masangano 6 Masaninga 10 Masemu 5 Matambazi 9 Matanda 12 Matero 1 10 Matero 2 14 Matero 3 22 Matero 4 11 Mateyo Mzeka 14 Mathew Nkoloma 10 Matushi 9 Mayoba 10 Mazabuka Central 1 11 Mazabuka Central 2 10 Mazabuka Central 3 10 Mazabuka Central 4 10 Mazabuka Central 5 9 Mazabuka Central 6 10 Mazabuka Central 7 10 Mbabala 20 Mbekise 10 Mboza 10 Mburuma 4 Mikomba 10 Mikomfwa 16 Mimbula 1 8 Mimbula 2 10 Minambe 6 Mindolo 10 Mipundu 4 Misaka 10 Misakalala 10 Miseshi 10 Mkaika 1 11 Mkaika 2 9 Mngomba 11 Mnkhanya 1 10 Mnkhanya 2 10 Mnyamazi 2 23 Mnyamazi 3 15 Mnyamazi 4 10 Mnyamazi 5 10 Moomba 1 10 Moomba 2 11 Mpanda 20 Mpelembe 10 Mphangwe 1 10 Mphangwe 2 10 Mphangwe 3 10 Mpima 10 Mpindi 10 Mpongwe 6 Mpulungu 1 4 Mpulungu 2 11 Mpulungu 3 7 Mpulungu 4 10 Mpulungu Central 2 10 Mpulungu Central 3 11 Mpulungu Central 4 10 Mpunde 10 Mpungu 10 Msanga 1 10 Msanga 3 10 Msanga 4 10 Msanga 5 15 Msanga 6 15 Msanga 7 5 Msanga 8 10 Msumbazi 11 Msuzi 10 Mtendere 1 15 Mtendere 2 10 Mtendere 3 12 Mtendere 4 8 Mtendere 5 11 Mtendere 6 10 Mubula 20 Muchenje 11 Muchinga 20 Muchinga 1 13 Muchinga 2 5 Muchinka 1 10 Muchinka 3 20 Muchinka 4 10 Muchinka 5 10 Muchinka 6 10 Muchinka 7 10 Mukanda Nkunda 10 Mukololo 10 Mukuba 5 Mukumbi 10 Mukumbi 2 10 Mulamatila 1 10 Mulamatila 2 10 Mulamatila 3 10 Mulamatila 4 10 Mulamatila 5 10 Mulambwa 20 Mulele 10 Mulelenshi 1 10 Mulelenshi 3 30 Mulelenshi 4 22 Mulilansolo 1 20 Mulilansolo 3 10 Mulilansolo 4 10 Mulilansolo 5 10 Mulilansolo 6 10 Mulimambango 1 14 Mulimambango 2 6 Mulimambango 3 10 Mulimambango 4 9 Mulonga 20 Mulumbi 1 10 Mulumbi 2 10 Mulumbi 3 11 Mulungushi 33 Mulwe 10 Mumba 10 Mumbezhi 10 Munali 1 11 Munali 2 10 Mundwinji 10 Mungule 10 Mungwi 20 Munkolo 1 2 Munkolo 2 14 Munkulungwe 1 10 Munkulungwe2 10 Munkumpu 10 Munshinga 8 Mununga 14 Munwa 10 Munwaku 1 10 Munyama 10 Mupona 1 10 Mupona 2 10 Mupona 3 10 Musakanya 1 10 Musakanya 2 11 Musakanya 3 10 Musakanya 4 10 Musakanya 5 10 Musakanya 6 10 Musensenshe 10 Mushili 1 15 Mushili 2 4 Mushili 3 10 Mushimbili 16 Mushingashi 10 Mushwala 6 Musi-o-Tunya 10 Mutaba 20 Mutomena 11 Muuka 5 Muungu 10 Mwachilele 10 Mwajimambwe 10 Mwanambuyu 11 Mwandi 26 Mwangaila 10 Mwansabombwe 10 Mwanza West 10 Mwatishi 10 Mweezya 10 Mwelawamangu 10 Mwembeshi 1 7 Mwembeshi 2 13 Mwembeshi 4 9 Mwiche 10 Mwiluzi 10 Nachikungu 10 Nakachenje 11 Nakambala 10 Nakasaka 19 Nakatindi 10 Nakoli 5 Nakonde 1 10 Nakonde 10 10 Nakonde 11 7 Nakonde 2 10 Nakonde 3 10 Nakonde 4 9 Nakonde 5 10 Nakonde 6 10 Nakonde 7 12 Nakonde 8 11 Nakonde 9 11 Naluja 10 Nalupembe 10 Namafulo 10 Namakube 10 Namalombwe 1 10 Namalombwe 2 10 Namalombwe 3 10 Namatama 10 Namilangi 10 Nampamba 12 Nampundwe 11 Namukolo 10 Namushakende 20 Namwala Central 11 Nangula 20 Nansanzu 10 Nchelenge 10 Ndeke1 11 Ndeke2 9 Ndeke3 9 Ndoka 10 Ngabo 10 Ngabwe 10 Ngebe 10 Ngoona 10 Ngungu 11 Ngwerere 1 25 Ngwerere 2 5 Ngwerere 4 12 Ngwerere 5 10 Ngwezi 10 Njenga 9 Nkenga 11 Nkhanga 1 Nkoloma 1 10 Nkoloma 2 10 Nkoloma 3 9 Nkoloma 4 10 Nkoloma 5 11 Nkulungwe 10 Nkumbi 10 Nkutila 10 Nkwazi 10 Nsefu 10 Nsenga 10 Nshinso 10 Nsimbo 10 Nsingo 10 Nsomfi 10 Nsunzu 10 Ntandabale 1 8 Ntandabale 2 10 Nthope 10 Ntonga 10 Nyakawise 13 Nyambi 10 Nyika 1 11 Nyika 2 5 Nyika 3 18 Nyika 4 10 Nyika 5 10 Nyimba 10 Old Fife 1 9 Old Fife 2 10 Omba 10 Pabe Kabesa 10 Pamodzi 1 11 Pamodzi 2 9 Parklands 20 Raphael Chota 1 10 Raphael Chota 2 16 Raphael Chota 3 10 Raphael Chota 4 11 Raphael Chota 5 10 Riverside 1 10 Riverside2 10 Rokana 9 Roma 2 20 Roma 4 13 Rufunsa 1 11 Rufunsa 2 10 Rukuzye 11 Salunda 10 Samuteba 10 Sandangombe 10 Sasamwenje 10 Sekela 6 Shabusale 1 5 Shabusale 2 10 Shichanzu 10 Shilenda 20 Shinde 10 Siamafumba 10 Siasikabole 10 Sibukali 6 Sichili 10 Sikalundu 10 Silowana 9 Silwizya 10 Simacheche 10 Simonga 21 Simwatachela 10 Sinazongwe 16 Sinda 10 Sioma 10 Sisinje 10 Skyways 10 Sokotwe 10 Stateland 20 Taferansoni 10 Tembwe 10 Thendere 10 Tuvwanganai 1 10 Tuvwanganai 2 10 Tuvwanganai 3 10 Tuvwanganai 4 2 Tuvwanganai 5 10 Tuvwanganai 6 4 Tuvwanganai 7 9 Tuvwanganai 8 10 Twaiteka 5 Twapia1 10 Twapia2 10 Twashuka 10 Twatasha 21 Ufwenuka 5 Upper Kaleya 10 Upper Lunsefwa 10 Vulamkoko 10 Wusakile 10 Yengwe 11 Yeta 10 Yotam Muleya 10 Yuka 10 Zambezi 47 Zimba 10 8571 0 1 1 2 92 3 8478