FinScope Zambia FinScope 2020 Survey ZMB-ZSA-FINSCOPE-2020-V1.0 Zambia Statistics Agency

Bank of Zambia

Financial Sector Deepening Zambia

Rural Finance Expansion Programme

German Sparkassenstiftung

Ministry of Finance

FinMark Trust

Pensions and Insurance Authority

Securities and Exchange Commission

Bankers Association of Zambia

Association of Microfinance Institutions of Zambia

Bank of Zambia 2020 Zambia Statistics Agency Nesstar Publisher FinScope Zambia FinScope 2020 Survey ZMB-ZSA-FINSCOPE-2020-V1.0 Zambia Statistics Agency Zambia Statistics Agency Bank Of Zambia Nesstar Publisher Financial Sector Deepening Zambia Rural Finance Expansion Programme German Sparkassenstiftung Ministry of Finance Zambia Statistics Agency Bank of Zambia V1.0 Financial inclusion Access to finance Usage of financial services Financial literacy Financial health Digital financial Mobile money Savings and investments Credit and borrowing Insurance and risk management Remittances Livelihoods and income sources Household welfare Financial inclusion & exclusion Access & usage of financial products Digital financial services Savings and investment behavior Credit and borrowing practices Insurance uptake and risk management Payments & remittances The FinScope Zambia 2020 survey aimed to;Assess changes in the financial landscape since the prior 2015 survey; Measure the level of financial inclusion among adults across Zambia; and Inform responsive design-identifying gaps and barriers in the financial sector to drive innovation in product design and digital financial services.verview of survey objectives and coverage Zambia National, Rural/Urban, Province Individual Adult All individuals aged 16 years and above Face-to-face CAPI interviews Individual-level weights 2020 Finscope data 7 July 2022_anonymised.NSDstat 12781 1447 Nesstar 200801 12781 0 1 866 433.713 250.03 Interviewer 12781 0 1011 10065 5356.222 2857.421 Structure Number 12781 0 1 196 16.623 16.685 Household Number 12781 0 1 87 1.258 1.874 Province 12781 0 1 Central 1301 2 Copperbelt 1468 3 Eastern 1382 4 Luapula 1241 5 Lusaka 1545 6 Muchinga 1102 7 Northern 1246 8 North western 1054 9 Southern 1300 10 Western 1142 District 12781 0 101 1016 101 Chibombo 180 102 Chisamba 105 103 Chitambo 45 104 Itezhi-tezhi 60 105 Kabwe 240 106 Kapiri Mposhi 225 107 Luano 15 108 Mkushi 131 109 Mumbwa 165 110 Ngabwe 30 111 Serenje 105 201 Chililabombwe 75 202 Chingola 150 203 Kalulushi 87 204 Kitwe 354 205 Luanshya 120 206 Lufwanyama 72 207 Masaiti 88 208 Mpongwe 71 209 Mufulira 130 210 Ndola 321 301 Chadiza 44 302 Chipata 419 303 Katete 134 304 Lundazi 267 305 Mambwe 75 306 Nyimba 57 307 Petauke 222 308 Sinda 119 309 Vubwi 45 401 Chembe 30 402 Chiengi 149 403 Chipili 30 404 Kawambwa 105 405 Lunga 30 406 Mansa 270 407 Milenge 45 408 Mwansabombwe 59 409 Mwense 102 410 Nchelenge 210 411 Samfya 211 501 Chilanga 90 502 Chirundu 30 503 Chongwe 105 504 Kafue 90 505 Luangwa 15 506 Lusaka 1140 507 Rufunsa 45 508 Shibuyungi 30 601 Chama 164 602 Chinsali 132 603 Isoka 104 604 Mafinga 102 605 Mpika 316 606 Nakonde 195 607 Shiwangandu 89 701 Chilubi 67 702 Kaputa 90 703 Kasama 269 704 Luwingu 134 705 Mbala 239 706 Mporokoso 120 707 Mpulungu 103 708 Mungwi 164 709 Nsama 60 801 Chavuma 42 802 Ikelenge 60 803 Kabompo 60 804 Kasempa 104 805 Manyinga 73 806 Mufumbwe 73 807 Mwinilunga 157 808 Solwezi 365 809 Zambezi 120 901 Chikankata 60 902 Choma 177 903 Gwembe 30 904 Kalomo 153 905 Kazungula 88 906 Livingstone 205 907 Mazabuka 120 908 Monze 164 909 Namwala 75 910 Pemba 58 911 Siavonga 45 912 Sinazongwe 82 913 Zimba 43 1001 Kalabo 104 1002 Kaoma 114 1003 Limulunga 75 1004 Luampa 55 1005 Lukulu 74 1006 Mitete 30 1007 Mongu 175 1008 Mulobezi 30 1009 Mwandi 45 1010 Nalolo 73 1011 Nkeyema 59 1012 Senanga 103 1013 Sesheke 30 1014 Shangombo 71 1015 Sikongo 45 1016 Sioma 59 Constituency 12781 0 1 156 1 Keembe 120 2 Katuba 60 3 Chisamba 105 4 Chitambo 45 5 Itezhi-tezhi 60 6 Bwacha 105 7 Kabwe Central 135 8 Kapiri Mposhi 225 9 Luano 15 10 Mkushi North 131 11 Mumbwa 75 12 Nangoma 90 13 Ngabwe 30 14 Muchinga 45 15 Serenje 60 16 Chililabombwe 75 17 Chingola 90 18 Nchanga 60 19 Kalulushi 87 20 Chimwemwe 88 21 Kamfinsa 45 22 Kwacha 90 23 Nkana 72 24 Wusakile 59 25 Luanshya 75 26 Roan 45 27 Lufwanyama 72 28 Kafulafuta 28 29 Masaiti 60 30 Mpongwe 71 31 Kankoyo 29 32 Kantanshi 58 33 Mufurila 43 34 Bwana Mkumbwa 87 35 Chifubu 59 36 Kabushi 73 37 Ndola Central 102 38 Chadiza 44 39 Chipangali 105 40 Chipata Central 164 41 Kasenegwa 90 42 Luangeni 60 43 Milanzi 60 44 Mkaika 74 45 Chasefu 87 46 Lumezi 75 47 Lundazi 105 48 Mambwe 75 49 Nyimba 57 50 Kapoche 45 51 Manzala 117 52 Petauke 60 53 Sinda 59 54 Kapoche 60 55 Vubwi 45 56 Chembe 30 57 Chiengi 149 58 Chipili 30 59 Kawambwa 60 60 Pambashe 45 61 Luapula 30 62 Bahati 120 63 Mansa Central 150 64 Milenge 45 65 Mwansabombwe 59 66 Mambilima 30 67 Mwense 72 68 Nchelenge 210 69 Bangweulu 120 70 Chifunabuli 91 71 Chilanga 90 72 Chirundu 30 73 Chongwe 105 74 Kafue 90 75 Feira 15 76 Munali 176 77 Lusaka Central 74 78 Kabwata 114 79 Chawama 116 80 Kanyama 254 81 Matero 179 82 Mandevu 227 83 Rufunsa 45 84 Mwembeshi 30 85 Chama North 74 86 Chama South 90 87 Chinsali Central 132 88 Isoka 104 89 Mafinga 102 90 Kanchibiya 121 91 Mfuwe 45 92 Mpika 150 93 Nakonde 195 94 Shiwangandu 89 95 Chilubi 67 96 Kaputa 90 97 Kasama Central 195 98 Lukashya 74 99 Lubansenshi 59 100 Lupososhi 75 101 Mbala 134 102 Nsenga Hill 105 103 Lunte 60 104 Mporokoso 60 105 Mpulungu 103 106 Malole 164 107 Chimbamilonga 60 108 Chavuma 42 109 Ikelenge 60 110 Kabompo East 73 111 Kasempa 104 112 Kabompo West 60 113 Mufumbwe 73 114 Mwinilunga 157 115 Solwezi Central 203 116 Solwezi East 45 117 Solwezi West 117 118 Zambezi East 90 119 Zambezi West 30 120 Chikankata 60 121 Choma Central 117 122 Mbabala 60 123 Gwembe 30 124 Dundumwenze 69 125 Kalomo Central 84 126 Kazungula 88 127 Livingstone 205 129 Mazabuka 120 130 Bweengwa 45 131 Monze 89 132 Moomba 30 133 Namwala 75 134 Pemba 58 135 Siavonga 45 136 Sinazongwe 82 137 Mapatizya 43 138 Kalabo 74 139 Liuwa 30 140 Kaoma Central 54 141 Mangango 60 142 Luena 75 143 Luampa 55 144 Lukulu 74 145 Lukulu West 30 146 Mongu Central 116 147 Nalikwanda 59 148 Mulobezi 30 149 Mwandi 45 150 Nalolo 73 151 Nkeyema 59 152 Senanga 103 153 Sesheke 30 154 Sinjembela 71 155 Sikongo 45 156 Sioma 59 Ward 12781 0 1 33 11.294 7.003 Region 12781 0 1 Rural 8218 2 Urban 4563 Selected Person PID 12781 0 1 5895 2 4083 3 1346 4 723 5 334 6 166 7 111 8 56 9 23 10 21 11 10 12 7 13 3 14 1 15 1 17 1 Response Status 12781 0 1 Complete 12638 2 Absent 27 4 Postponed 84 5 Refused 12 6 Non contact 1 9 Blank 19 Household Size 12781 0 1 766 2 1081 3 1751 4 2159 5 2123 6 1703 7 1304 8 830 9 465 10 285 11 137 12 76 13 39 14 29 15 15 16 8 17 5 18 1 19 2 20 1 23 1 Sex 12781 0 1 Male 5772 2 Female 7009 B.1.3. What is the relationship of (NAME) to the head of the household? 12781 0 1 Head 5895 2 Spouse 3239 3 Own Son/ Daughter 2429 4 Step Son/Daughter 55 5 Foster/adopted Son/Daughter 4 6 Son/Daughter-in-law 25 7 Brother/Sister 310 8 Brother/Sister-in-law 85 9 Cousin 50 10 Nephew/Niece 225 11 Grand son/daughter 236 12 Parent 67 13 Parent-in-law 23 14 Aunt/Uncle 16 15 Grand Parent 63 16 Other relative 15 17 Maid/Nanny/House-Servant 11 18 Not Relative 33 B.1.4. What is the date of birth of (NAME) (DD/MM/YY)? 12781 0 B.1.4D. What is the day of birth of (NAME) (DD)? 12781 0 1 99 1 1st 824 2 2nd 927 3 3rd 460 4 4th 465 5 5th 609 6 6th 427 7 7th 371 8 8th 353 9 9th 280 10 10th 520 11 11th 311 12 12th 341 13 13th 198 14 14th 255 15 15th 404 16 16th 225 17 17th 227 18 18th 228 19 19th 163 20 20th 283 21 21st 189 22 22nd 245 23 23rd 230 24 24th 320 25 25th 388 26 26th 242 27 27th 199 28 28th 282 29 29th 171 30 30th 178 31 31st 103 99 Could not determine day 2363 B.1.4M. What is the month of birth of (NAME) (MM)? 12781 0 1 January 1124 2 February 886 3 March 933 4 April 876 5 May 837 6 June 1180 7 July 802 8 August 957 9 September 765 10 October 927 11 November 524 12 December 813 99 Could not determine month 2157 B.1.4Y. What is the year of birth of (NAME) (YY)? 12781 0 1920 2020 1985.393 15.137 B.1.5. What age is (NAME) since his/her last birthday? 12781 0 15 99 34.497 15.147 B.1.6. What is (NAME) marital status? 12781 0 1 Never married 3661 2 Monogamously married 6772 3 Polygamously married 280 4 Divorced 740 5 Separated 381 6 Widowed 907 7 Cohabiting 40 B.1.7. Can (NAME) read and write in any language? 12781 0 1 Yes 8768 2 No 4013 B.1.8. Is (NAME) currently attending school? 12781 0 1 Yes 1905 2 No 10876 B.1.9. Has (NAME) ever attended school? 10876 1905 1 Yes 9322 2 No 1554 Sysmiss 1905 B.1.10. What is the highest grade/level (NAME) has completed? 11228 1553 0 Nursery/Kindergarten 27 1 Grade 1 218 2 Grade 2 391 3 Grade 3 454 4 Grade 4 639 5 Grade 5 716 6 Grade 6 901 7 Grade 7 1834 8 Grade 8 1011 9 Grade 9 1611 10 Grade 10 468 11 Grade 11 388 12 Grade 12 1524 13 Certificate 233 14 Diploma 453 15 Bachelors Degree 143 16 Masters Degree 27 17 PhD 2 18 PhD and above 2 20 None 33 21 Grade 12 GCE (O) 126 22 Grade 12 GCE (A) 27 Sysmiss 1553 B.1.11. In the past month, how did (NAME) spend MOST of his/her day time? 12781 0 1 Full-time employment 1134 2 Part-time employment 625 3 Unpaid family work 1463 4 Self-employed - running own business 1833 5 Farming 4067 6 Unemployed & looking for work 656 7 Unemployed but not looking for work 1009 8 Studying in school/college/university 1166 9 Other, specify 828 B.1.11_S. Specify how (NAME) spent most of his/her day in the past month. 829 0 "she does nothing at the moment" 1 "she does nothing" 1 "she does piece works" 1 @ ziale writing bar exams 1 African herbalist 1 BUSINESS LADY. 1 Brewing Beer 1 CASUAL WORK 1 CHRONICALLY ILL 1 Carpentry 1 Charcoal burning 3 DOES NOT WORK BECAUSE SHE IS OLD 1 DOING BUSINESS 1 DOING NOTHING 1 Does household work 1 FARM WORKER 1 FULL TIME HOUSEHOLD CHORES 1 FULL TIME STUDENT 2 Farming 1 Fishing 11 Fishing for sale 1 Full time house wife 2 Gardening 5 HAS NOT BEEN FEELING WELL. HAS BEEN BED RIDDEN. 1 HE HAS BEEN SICK FOR FIVE YEARS NOW 1 HE IS A PENSIONER 1 HOMEMAKER 3 HOMEMAKERR 1 HOUSE WIFE 1 He got laid off, looking for employement. 1 Hes retired 1 His been kept by the son. 1 Home maker 3 House Chores 1 House Wife 1 House chores 1 House wife 16 Housewife 1 ITS OLD 76 OLD AND NOT DOING ANYTHING 1 Incapacited cant work 1 JUST HOME 1 Just farming as well 1 Just home 1 Just sitted 1 Just sitting at home 1 Living in maid 1 MAID 1 Making Bricks 1 Making Reed Mats 1 NOT DOING ANYTHING (LAME) 1 Not working due to Corona virus 1 Nothing 10 Nothing (been sick) 1 Nothing just at home 1 Nothing, she cant do anything 1 Nursing baby hoping to get a job next year 1 OLD AGE 1 Old age she ia supported by her children but cooks 1 Old just home 1 PEACEWORK 1 PEACEWORK ONLY 1 PIECE WORK 2 PIECE WORKS 1 PIECEWORKING 1 Piece Works 2 Piecework 4 RETIRED 1 RETIRED FROM FORMAL EMPLOYMENT 1 Retired 2 Retired and doing own business 1 SHE IS RETIRED 1 STUDENT 2 Selling Fish 1 Selling bananas 1 Selling charcoal 1 Selling firewood and brick making 1 Sick and unable to walk 1 THE HEAD OF THE HOUSEHOLD CLINICALY SICK FOR LONG 1 TOO OLD TO WORK 3 TREE CUTTING 1 Too old to work 2 Touroling 1 Ukutema and Farming 1 VOLUNTEER WORK 1 WORKS AS A MAID 1 Was away in mbala 1 aged 1 am a brickleyer 1 bed resting 1 being home 19 being home/church 1 blind 1 blind and cant not do anything 1 brewing ilicity beer 1 brick layer 1 brickclarer 1 bricklayer 2 building houses 1 building the house 1 buliding his house 1 business 5 busy with church program 1 cant work 1 caretaker 1 casal worker\\piece works 1 casual worker 1 casual works 1 chacaol burner 1 charcal burner 1 charcol bunner 2 charity/ cash social transfere 1 chronical ill 1 church 2 clearing fields 1 contract 1 currently not doing anything( old age) 1 cutting down the tress making charcoal 1 cutting grass for sale 1 cutting trees 1 digging wells 1 disabled 1 disabled person 1 do nothing 3 does nothing 1 does valgus and gardening 1 doing business 1 doing bussiness fisherman 1 doing household chores 1 doing household manager 1 doing nothing 4 1 doing piece work 2 doing pieceworks 2 drawing water from the stream for bulding 1 driver 1 dumb 1 early retirement 1 farm worker 1 farmer 2 farming 22 farming and running my own trading business 1 farming/ gardening 1 fisher man 3 fisherman 12 fishing 35 fishing and farming 1 former head teacher 1 1 full time house 1 full time house keeping 1 full time house member 1 full time house wife 31 full time house wife. 1 full time house wifey 1 full time housewife 1 fulltime a house wife 1 fulltime house wife 2 fulltime housewife 5 fulltime wife 1 gardening 8 goes to church 6 goes to church/home 3 goes to farm 2 goes to school 2 goes to the farm 1 growing rice for home use 1 harvesting 1 has been sick for past 12months suffering from TB 1 he is a cobbler 1 heavy duty mechanic and repairer 1 helping the household do household chores 1 helping to run business 1 helping with house hold chores 1 helps dad run shop 1 home 2 home can not walk 1 home due to convid-19 1 home due to covud clisure of schools 1 home maker 3 home maket 1 homemaker 1 hospitalizing the elder brother. 1 house chores 1 house chose and going to church 1 house member 1 house wife 78 house wife ( Home maker) 1 house wife,healthy complications 1 house work 1 household chores 8 household. chores 1 housewife 12 i do piece work 1 i stay home since there is no emploment 1 illnes 2 in prayers 1 just at home 3 just at hpme waiting to go to college 1 just completed grade 12 1 just home 9 just seats at home 1 just stay at home 1 just stay home 3 just stay home and help 1 just wrote her grade nine 1 justig at home and doing nothing 1 leisure 1 looking for a child 1 looking for money to burn bricks 1 maid 1 makes baskets for selling 1 making bricks 1 making mats( impasa) 1 making pan bricks 1 marketier 1 maternity 1 never did anything she is a pantient 1 none 2 not allowed to work due condition 1 not applicable 1 not doing anything 1 not in employement 1 not working 2 nothig 1 nothing 117 nothing also sick 1 nothing just home 1 nothing just stay home 1 nothing just stayed home 1 nothing just staying home 2 nothing old age 1 nothing old and un able to work 1 nothing too old 1 nothing, too old to work 1 nursing her pregnancy 1 nursing my mother 1 old age 4 old age (dependant) 1 old age not able to do anything 1 old aged 1 old lady 1 old to work 1 on contract basis 1 organising building materials 1 participates in a savings group 1 pastor 1 pastoring 1 peace works 3 peice work 1 piece of work 1 piece work 22 piece work at local clinic 1 piece works 7 piece works in other people's fields 1 pieceworks 1 plaiting and selling wigs 1 preaching. 1 reading books 1 rentals 2 resting 2 retired 6 retired from work 1 retired miner 1 retired teacher 1 retiree teacher 1 school 3 schooling 1 selling dry cassava tubers 1 selling fish 2 selling fritters 1 selling maize 1 selling sand 1 selling timber 1 sells chips 1 sells kachaso 1 sells tomatoes once in a while 1 senoir citizen to weak to do things 1 sewing 1 she does nothing 2 she was home sick 1 she was sick the whole month 1 sick 1 small scale farming 1 spice works 1 sports 1 stay at home mom 1 stay at home mother 1 staying 3 staying at home 1 staying away from work due to covid 19 outbreak 1 staying home 4 staying home she is sick 1 stays at home 2 stays at home doing nothing 1 stays at home/can not walk 1 stays home 10 stays home/disabald 1 stil at school 1 still at school 1 still schooling 1 street vendor 1 studyig at home 1 studying at home 1 teaching 1 too old 1 too old can't manage to do any work 1 too old to do anything 1 too old to work 3 unemployed and just home been kept 1 usually doing peace work 1 voluntory workk 1 waiting for covid to finiah might start school 1 waiting for marriage 1 waiting to enrol in school 1 waiting to go back to school 1 waiting to go to college 2 waiting to sart school again 1 want a business 1 was and is sick 1 was in and out of hospitalmafter accident 1 was sick 2 was sorting out funeral issues 1 watching tv and baby sitting 1 went for a holiday 1 went to visit 1 wife 1 work as bus driver 1 working as Senior Headman 1 working with Mr. Mulenga (his dad) 1 B.1.12. Does (NAME) own a mobile phone? 12781 0 1 Yes 7168 2 No 5613 C.1.1. What kind of building material is the floor of this house mainly made of? 12781 0 1 Mud 6697 2 Concrete 2760 3 Cement Screed 2511 4 Brick 394 5 PVC Tiles 85 6 Ceramic Tiles 199 7 Wood (Not wooden Tiles) 10 8 Marble 3 9 Terrazzo 0 10 Parquet 1 96 Other 121 C.1.1_S. Specify other material the floor of this house mainly made of. 121 0 GRASS/STRAW 1 Grass straw 1 SAND 4 Sand 7 burnt bricks 1 cement floor 10 cemeny floor 1 grass 6 gravel 1 ground 2 just floor 1 just ground 1 just live in a hurt 1 just the ground 1 no floor 2 no floor just put mats 1 not aplicable 1 nothing 2 one side floor 1 one side floor other side mud 1 ordinary soil 1 plastic 1 posolic,ceramic 1 reeds mart 1 sand 60 sand mixed with mud soil 1 sand soil 4 there is no floor 1 there is nothing just the ground 1 tiles 2 we dont have 1 wooden 1 C.1.2. What kind of building material are the walls of the house mainly made of? 12781 0 1 Pan Brick 974 2 Concrete Brick 2871 3 Mud Brick 3795 4 Burnt brick 3736 5 Pole 23 6 Pole & Dagga 648 7 Mud Grass/Straw 640 8 Iron Sheets 13 9 Steel 0 10 Hardboard 7 11 A Mixture of Hardboard, Tin 4 12 Sheet, Plastic, Etc 12 13 Other (Specify) 52 14 Not Applicable 3 15 Don?t Know 3 C.1.2_S. Specify other kind of building material are the walls of the house main 52 0 BLOCKS 1 CEMENT BLOCK 3 CONCRETE BLOCK 8 CONCRETE BLOCKS 3 GRASS / STRAW 1 Grass 2 IRON SHEETA 1 Ifikopa 1 POLE & GRASS/STRAW 1 POLE & STRAW 1 Sticks and Mud 1 bamboo 1 blocks 2 cement 1 cement and blocks 1 cement blocks 1 cement mixed sand 1 cement mixed with sand 1 compacted mud 6 concrete blocks 1 conpacted mud 1 grass 3 mdindo 1 plaster 1 prefabs 1 qualy blocks 1 sticks 1 stones mixed with cement 3 wood 2 C.1.3. What kind of building material is the roof of the house mainly made of? 12781 0 1 Iron sheets 7126 2 Asbestos tiles 470 3 Other non-asbestos tiles 22 4 Asbestos sheets 603 5 Grass/straw/thatch, or other 4502 6 Concrete 8 7 Other (Specify) 31 8 Not applicable 17 9 Don?t know 2 C.1.3_S. Specify other kind of building material is the roof of the house mainly 31 0 Both asbestos and iron sheet 1 Ceiling 1 Ceiling board 1 Decra roofing sheets 1 NO ROOF 1 PLASTIC 1 PLASTICS 2 abestol and iron 1 asbestos sheet 1 collogated roof 1 different types of building materials 1 grass 5 iron sheets and abestols 1 iron sheets and abistol 1 mud house 1 new house no roof 1 no roof 3 plastic 3 plastic sheet 1 pvc sheets 1 tent 1 wood 1 C.1.4. Is your house connected to electricity? 12781 0 1 Yes 3648 2 No 9133 C.1.5. What is the main type of energy that your household uses for cooking? 12781 0 1 Collected Firewood 7024 2 Purchased Firewood 260 3 Charcoal Own Produced 601 4 Charcoal Purchased 3952 5 Coal 25 6 Kerosine/Paraffin 3 7 Gas 17 8 Electricity 838 9 Solar 26 10 Crop/Livestock Residues 2 11 Other (Specify) 33 C.1.5_S. Specify other main type of energy that your household uses for cooking. 34 0 "Both own produced charcoal and collected fireword 1 "both own produced charcoal and firewood." 1 COOKER PLATE 1 Charcoal and Fire wood 1 Charcoal and firewood 1 Electricity and purchased choacoal 1 Gas Stove 1 RED PAY ELECTRICITY 1 both chacoal and fire wood 1 both collected firewood and charcoal. 1 both electricity and chacoal 1 both own produced charcoal and collected firewood" 1 braizier 1 candle 1 chacoal 1 charcoal 1 charcoal and collected fire wood 1 cowdung 1 dont cook 1 electric stove and purchased charcoal 1 electricity and charcoal 3 electricity and own charcoal 1 electricity and parcessed chacaol 1 firewood(collected by the neighbor) 1 gas stove 1 handpump 1 nothing 1 reeds 1 stove 2 stove and purchased charcoal 1 we use charcoal and electricity 1 C.1.6. What is the main type of energy that your household uses for lighting? 12781 0 1 Kerosene/paraffin 67 2 Electricity 3534 3 Solar 1618 4 Candle 717 5 Diesel 15 6 Open fire 332 7 Torch 5996 8 None 229 9 Other (Specify) 273 C.1.6_S. Specify other main type of energy that your household uses for lighting 274 0 "read pay" provided by mtn 1 BATTERGY LAMPS 1 BATTERY LA MP 1 BATTERY LAMP 26 BATTERY LAMPS 2 BRAIZER 1 CANDLES 1 CAR BATTERY 1 Car Battery 1 LIGHT THAT USES BATTERIES 1 LIGHTING USING GRASS 4 LIGHTING WITH GRASS 1 MTN READ PAY 1 OPEN FIRE 1 PHONE 2 Phone 1 Phones 1 RED PAY ELECTRICITY 2 SOLAR BULBS 1 SOLAR TORCH 4 Solar lights 1 TORCH 2 VITA LIGHT 1 batry bulb 1 batteries connected to lights 1 battery 9 battery and light 1 battery charged lamp 1 battery convertor 1 battery lighter 1 battery lights 2 battery power 1 battery powered lamps 2 betteys connected with light 1 brazier 1 bulb 3 bulb connected to a battery 1 bulb they connect to the battery 1 bulb used with batteries 1 bulbs connected to battries 1 candle 5 car battery 2 chargable lamps 1 collectected firewood 1 coloboi 1 dc current 1 does not use any light 1 energy sarver bulb 1 energy savers 1 fire from outside 1 fire wood 1 firewood 1 generator 1 genset 1 grass 55 grass fire 1 grass sticks 1 grsss 1 handpump 1 imwenge .grass lighting 1 inveter 1 kazang 1 lamp 3 led light 1 led lights 11 light 1 light with batteries 1 lighter 6 lighter(batteries) 1 lighting 1 lighting used from red pay 1 lighting with batteries 1 lights connected to a battery 1 lights with battries 1 lump 2 lumps 1 matches 1 mtn solar electricity 1 mtn solar system 1 mwenge 1 natural light 1 none 2 paid tube 1 phone 9 phone light 5 power using cells 1 readpay for mtn 1 ready pay mtn 1 rechargeable lamp 1 red pay 3 red pay (bulb) 1 red pay (mtn) 1 red pay m.t.n) 1 redpe 2 sakadelik 1 sakadeliki 5 sakadeliki(torch) 1 small battries 1 small solar bulbs 1 solar bulb 3 solar bulbes 1 solar charged lights 1 solar lamp 3 solar lamps (MTN lamps) 1 solar light 3 solar readypay 1 sy chadelic 1 sychadelic touch 1 thatch sticks 1 they use flip flops for lighting 1 torch from phone 2 torch on the phone 2 use a stick with fire 1 use grass 1 uses grass 1 uses ready pay solar 1 uses the phone torch 1 using a phone 1 using battery 1 using grass 1 using grass to light 1 we redpay for the mtn 1 C.1.7. What is the main source of water supply for this household? 12781 0 1 Directly From River/ Lake/Stream/Dam 1478 2 Rainwater 11 3 Unprotected Well 2694 4 Protected Well 1203 5 Borehole 3618 6 Unprotected Spring 100 7 Protected Spring 32 8 Public Tap 885 9 Own Tap 1972 10 Other Tap (Eg from nearby building) 390 11 Water Kiosk 251 12 Bought From Other Vendor 36 13 Bottled Water 0 14 Other (Specify) 111 111 0 Hand Pump 1 LAND ,S TAP 1 LANDLORD S TAP 1 LANDLORD,S TAP 2 LANDLORDS TAP 1 MAUNTAIN SPRING 1 NEIGHBOURS TAP 1 Neighbour's well 1 SHARED TAP 1 ask from neighbours 1 borehole but currently not working 1 boreholl 1 borh unprotected well and stream 1 buy water from a public tap 1 canal 1 from other households 1 glass 1 hand pump 53 handpump 21 hotspring 1 kajima care 2 no near by water sources, 5km away 1 none 1 provided by zambia sugar 1 pump 1 shallow wells 1 shalowell 1 spring from the rocks 1 stream 1 swasco 1 tank 1 they get water from the neighbour ( tap water) 1 water supplier 1 water supplying company 1 zambezi river 1 zambia sugar 2 C.1.8. What is the main source of drinking water for this household? 12781 0 1 Directly From River/ Lake/Stream/Dam 1423 2 Rainwater 11 3 Unprotected Well 2614 4 Protected Well 1189 5 Borehole 3713 6 Unprotected Spring 97 7 Protected Spring 27 8 Public Tap 917 9 Own Tap 1935 10 Other Tap (Eg from nearby building) 403 11 Water Kiosk 267 12 Bought From Other Vendor 46 13 Bottled Water 32 14 Other (Specify) 107 C.1.8_S. Specify other main source of drinking water for this household. 107 0 Community borehole 1 Hand Pump 1 LAND,S TAP 1 LANDLORD,S 1 LANDLORD,S TAP 2 LANDLORD,STAP 1 MAUNTAIN SPRING 1 NEIGHBOURS TAP 1 SHARED TAP 1 Well from the neighbours 1 ask from neighbours 1 boiling 1 buy water from a public tap 1 canal 1 from other household 1 from other househols 1 habd pump 1 hand pump 51 handppump 1 handpump 19 handpumpa 1 kajima care 2 neighbour's well 1 no near by water sources 1 none 1 pump 1 shallow wells 1 shallowell 1 spring from the mountains 1 stream 1 swasco 1 tank 1 water supplier 1 zambezi river 1 zambia sugar 3 C.1.9.1. Do you or someone else in your household own a Bed in working condition 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 C.1.9.3. Do you or someone else in your household own a Lounge suite/sofa in wor 12781 0 1 Yes 4049 2 No 8732 C.1.9.4. Do you or someone else in your household own an Electric stove in worki 12781 0 1 Yes 2079 2 No 10702 12781 0 1 Yes 172 2 No 12609 C.1.9.6. Do you or someone else in your household own a Refrigerator / Freezer 12781 0 1 Yes 2577 2 No 10204 C.1.9.7. Do you or someone else in your household own a DVDs/VCRs or home theatr 12781 0 1 Yes 2384 2 No 10397 12781 0 1 Yes 5139 2 No 7642 C.1.9.9. Do you or someone else in your household own a Television in working co 12781 0 1 Yes 4105 2 No 8676 12781 0 1 Yes 3232 2 No 9549 C.1.9.11. Do you or someone else in your household own a Generator in working co 12781 0 1 Yes 189 2 No 12592 12781 0 1 Yes 3231 2 No 9550 12781 0 1 Yes 1260 2 No 11521 12781 0 1 Yes 113 2 No 12668 12781 0 1 Yes 4275 2 No 8506 12781 0 1 Yes 343 2 No 12438 12781 0 1 Yes 720 2 No 12061 C.1.9.18. Do you or someone else in your household own a Truck / Van or Pickup 12781 0 1 Yes 147 2 No 12634 12781 0 1 Yes 109 2 No 12672 C.1.9.20. Do you or someone else in your household own a Electric iron in workin 12781 0 1 Yes 2475 2 No 10306 C.1.9.21. Do you or someone else in your household own a Non-electric Iron in wo 12781 0 1 Yes 2175 2 No 10606 C.1.9.22. Do you or someone else in your household own a Tractor / power tiller 12781 0 1 Yes 90 2 No 12691 C.1.9.23. Do you or someone else in your household own a Plough for animal tract 12781 0 1 Yes 1164 2 No 11617 12781 0 1 Yes 145 2 No 12636 C.1.9.2. Do you or someone else in your household own a Brazier/Mbaula in workin 12781 0 1 Yes 8846 2 No 3935 C.2.2. What is the date of birth of (NAME) (DD/MM/YY)? 6877 0 C.2.2D. What is the day of birth of (NAME) (DD)? 6877 5904 1 99 1 1st 416 2 2nd 384 3 3rd 251 4 4th 263 5 5th 313 6 6th 219 7 7th 211 8 8th 188 9 9th 167 10 10th 272 11 11th 177 12 12th 185 13 13th 119 14 14th 141 15 15th 221 16 16th 121 17 17th 135 18 18th 125 19 19th 98 20 20th 158 21 21st 114 22 22nd 136 23 23rd 125 24 24th 158 25 25th 187 26 26th 133 27 27th 105 28 28th 144 29 29th 96 30 30th 98 31 31st 63 99 Could not determine day 1354 C.2.2M. What is the month of birth of (NAME) (MM)? 6876 5905 1 January 554 2 February 483 3 March 482 4 April 462 5 May 450 6 June 616 7 July 447 8 August 518 9 September 438 10 October 492 11 November 274 12 December 407 99 Could not determine month 1253 Sysmiss 5905 C.2.2Y. What is the year of birth of (NAME) (YY)? 6875 5906 3 2020 1984.345 92.257 C.2.3. What age is (NAME) since his/her last birthday? 6875 5906 16 99 31.274 14.026 C.2.4. What is the highest level of education you have attained? 6875 5906 0 Nursery/Kindergarten 33 1 Grade 1 118 2 Grade 2 194 3 Grade 3 231 4 Grade 4 337 5 Grade 5 394 6 Grade 6 497 7 Grade 7 991 8 Grade 8 625 9 Grade 9 909 10 Grade 10 274 11 Grade 11 237 12 Grade 12 1036 13 Certificate 115 14 Diploma 216 15 Bachelors Degree 67 16 Masters Degree 13 17 PhD 2 18 PhD and above 2 20 None 584 Sysmiss 5906 C.2.1. National registration card 12732 49 1 Yes 11125 2 No 1607 Sysmiss 49 C.2.2. Driver's license 12731 50 1 Yes 752 2 No 11979 Sysmiss 50 C.2.3. Passport 12731 50 1 Yes 572 2 No 12159 Sysmiss 50 C.2.4. Payslip from employer 12731 50 1 Yes 788 2 No 11943 Sysmiss 50 C.2.5. Lease or rental agreement in your name 12731 50 1 Yes 472 2 No 12259 Sysmiss 50 C.2.6. Subscription (e.g. satellite TV) in your name 12731 50 1 Yes 1178 2 No 11553 Sysmiss 50 C.2.7. Tax identification form in your name 12731 50 1 Yes 992 2 No 11739 Sysmiss 50 12731 50 1 Yes 657 2 No 12074 Sysmiss 50 C.2.9. Insurance policy in your name 12731 50 1 Yes 400 2 No 12331 Sysmiss 50 C.2.10. Telephone/Zamtel bill in your name 12731 50 1 Yes 282 2 No 12449 Sysmiss 50 C.2.11. Title deed in your name 12731 50 1 Yes 689 2 No 12042 Sysmiss 50 C.3.1.1. Do you personally own (a/an) Television? 12728 53 1 Yes 2099 2 No 10629 Sysmiss 53 C.3.2.1. Would you use the Television as security to borrow money? 2099 10682 1 Yes 682 2 No 1417 Sysmiss 10682 C.3.1.2. Do you personally own (a/an) Pay TV e.g DSTV ? 12727 54 1 Yes 1532 2 No 11195 Sysmiss 54 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 C.3.1.3. Do you personally own (a/an) Radio ? 12727 54 1 Yes 2544 2 No 10183 Sysmiss 54 2546 10235 1 Yes 837 2 No 1709 Sysmiss 10235 C.3.1.4. Do you personally own (a/an) DVDs/VCRs or home theatre? 12727 54 1 Yes 1146 2 No 11581 Sysmiss 54 C.3.2.4. Would you use the DVDs/VCRs or home theatre as security to borrow money 1146 11635 1 Yes 380 2 No 766 Sysmiss 11635 C.3.1.5. Do you personally own (a/an) Lounge suite/sofa? 12727 54 1 Yes 1849 2 No 10878 Sysmiss 54 C.3.2.5. Would you use the Lounge suite/sofa as security to borrow money? 1850 10931 1 Yes 514 2 No 1336 Sysmiss 10931 C.3.1.6. Do you personally own (a/an) Generator? 12727 54 1 Yes 98 2 No 12629 Sysmiss 54 C.3.2.6. Would you use the Generator as security to borrow money? 98 12683 1 Yes 29 2 No 69 Sysmiss 12683 C.3.1.7. Do you personally own (a/an) Solar Panel ? 12727 54 1 Yes 1641 2 No 11086 Sysmiss 54 1641 11140 1 Yes 496 2 No 1145 Sysmiss 11140 C.3.1.8. Do you personally own (a/an) Refrigerator / Freezer ? 12727 54 1 Yes 1225 2 No 11502 Sysmiss 54 1225 11556 1 Yes 370 2 No 855 Sysmiss 11556 C.3.1.9. Do you personally own (a/an) Fan ? 12727 54 1 Yes 596 2 No 12131 Sysmiss 54 596 12185 1 Yes 149 2 No 447 Sysmiss 12185 C.3.1.10. Do you personally own (a/an) Bicycle ? 12727 54 1 Yes 2071 2 No 10656 Sysmiss 54 2071 10710 1 Yes 686 2 No 1385 Sysmiss 10710 C.3.1.11. Do you personally own (a/an) Motorcycle/Motorbike ? 12727 54 1 Yes 141 2 No 12586 Sysmiss 54 141 12640 1 Yes 43 2 No 98 Sysmiss 12640 C.3.1.12. Do you personally own (a/an) Car/truck /Van or Pickup ? 12727 54 1 Yes 224 2 No 12503 Sysmiss 54 224 12557 1 Yes 77 2 No 147 Sysmiss 12557 C.3.1.13. Do you personally own (a/an) Washing machine ? 12727 54 1 Yes 25 2 No 12702 Sysmiss 54 25 12756 1 Yes 6 2 No 19 Sysmiss 12756 C.3.1.14. Do you personally own (a/an) Electric iron? 12727 54 1 Yes 1186 2 No 11541 Sysmiss 54 C.3.2.14. Would you use the Electric iron as security to borrow money? 1187 11594 1 Yes 254 2 No 933 Sysmiss 11594 C.3.1.15. Do you personally own (a/an) Non-electric Iron? 12727 54 1 Yes 1035 2 No 11692 Sysmiss 54 C.3.2.15. Would you use the Non-electric Iron as security to borrow money? 1035 11746 1 Yes 242 2 No 793 Sysmiss 11746 C.3.1.16. Do you personally own (a/an) Air conditioner ? 12727 54 1 Yes 37 2 No 12690 Sysmiss 54 37 12744 1 Yes 4 2 No 33 Sysmiss 12744 C.3.1.17. Do you personally own (a/an) Tractor / power tiller ? 12727 54 1 Yes 17 2 No 12710 Sysmiss 54 17 12764 1 Yes 3 2 No 14 Sysmiss 12764 C.3.1.18. Do you personally own (a/an) Plough for animal traction ? 12727 54 1 Yes 570 2 No 12157 Sysmiss 54 570 12211 1 Yes 182 2 No 388 Sysmiss 12211 C.3.1.19. Do you personally own (a/an) Electric stove? 12727 54 1 Yes 879 2 No 11848 Sysmiss 54 C.3.2.19. Would you use the Electric stove as security to borrow money? 879 11902 1 Yes 215 2 No 664 Sysmiss 11902 C.3.1.20. Do you personally own (a/an) Gas stove? 12727 54 1 Yes 65 2 No 12662 Sysmiss 54 C.3.2.20. Would you use the Gas stove as security to borrow money? 65 12716 1 Yes 13 2 No 52 Sysmiss 12716 C.3.1.21. Do you personally own (a/an) Motor pump? 12727 54 1 Yes 34 2 No 12693 Sysmiss 54 C.3.2.21. Would you use the Motor pump as security to borrow money? 34 12747 1 Yes 13 2 No 21 Sysmiss 12747 C.3.1.22. Do you personally own (a/an) Agriculture land (for crop and livestock 12727 54 1 Yes 3846 2 No 8881 Sysmiss 54 C.3.2.22. Would you use the Agriculture land (for crop and livestock farming) as 3847 8934 1 Yes 1106 2 No 2741 Sysmiss 8934 C.3.1.23. Do you personally own (a/an) Non-agriculture land e.g residential plot 12727 54 1 Yes 2018 2 No 10709 Sysmiss 54 C.3.2.23. Would you use the Non-agriculture land e.g residential plot, commercia 2018 10763 1 Yes 645 2 No 1373 Sysmiss 10763 C.3.1.24. Do you personally own (a/an) House? 12725 56 1 Yes 4804 2 No 7921 Sysmiss 56 C.3.2.24. Would you use the House as security to borrow money? 4804 7977 1 Yes 937 2 No 3867 Sysmiss 7977 C.3.1.25. Do you personally own (a/an) Livestock? 12725 56 1 Yes 2607 2 No 10118 Sysmiss 56 C.3.2.25. Would you use the Livestock as security to borrow money? 2607 10174 1 Yes 1020 2 No 1587 Sysmiss 10174 C.3.1.26. Do you personally own (a/an) Building used as a shop? 12725 56 1 Yes 275 2 No 12450 Sysmiss 56 C.3.2.26. Would you use the Building used as a shop as security to borrow money? 275 12506 1 Yes 88 2 No 187 Sysmiss 12506 C.3.1.27. Do you personally own (a/an) Smart phone? 12725 56 1 Yes 2217 2 No 10508 Sysmiss 56 C.3.2.27. Would you use the Smart phone as security to borrow money? 2218 10563 1 Yes 673 2 No 1545 Sysmiss 10563 C.3.1.28. Do you personally own (a/an) Feature phone? 12725 56 1 Yes 5733 2 No 6992 Sysmiss 56 C.3.2.28. Would you use the Feature phone as security to borrow money? 5733 7048 1 Yes 1637 2 No 4096 Sysmiss 7048 C.3.1.29. Do you personally own (a/an) Tablet? 12725 56 1 Yes 202 2 No 12523 Sysmiss 56 C.3.2.29. Would you use the Tablet as security to borrow money? 202 12579 1 Yes 51 2 No 151 Sysmiss 12579 C.3.1.30. Do you personally own (a/an) Laptop? 12725 56 1 Yes 538 2 No 12187 Sysmiss 56 C.3.2.30. Would you use the Laptop as security to borrow money? 538 12243 1 Yes 151 2 No 387 Sysmiss 12243 C.3.1.31. Do you personally own (a/an) Desktop? 12725 56 1 Yes 121 2 No 12604 Sysmiss 56 C.3.2.31. Would you use the Desktop as security to borrow money? 121 12660 1 Yes 39 2 No 82 Sysmiss 12660 C.3.3. Do you have access to a mobile phone (i.e. is there a phone that you can 5530 7251 1 Yes 2062 2 No 3468 Sysmiss 7251 C.3.4. Do you have access to a computer? 12048 733 1 Yes 628 2 No 11420 Sysmiss 733 C.3.4b. How often do you access the computer? 628 12153 1 Rarely - once or twice a month 247 2 Occasionally - once a week 146 3 Regularly - twice a week 104 4 Often - at least daily 109 5 More than once a day 22 Sysmiss 12153 C.3.5. Do you have access to the internet? 12725 56 1 Yes 2168 2 No 10557 Sysmiss 56 C.3.5b. How often do you access the internet? 2168 10613 1 Rarely - once or twice a month 232 2 Occasionally - once a week 306 3 Regularly - twice a week 286 4 Often - at least daily 1037 5 More than once a day 307 Sysmiss 10613 C.3.6. Do you use a mobile phone that belongs to somebody else? 2062 10719 1 Yes 1646 2 No 416 Sysmiss 10719 C.3.7. What is the main reason why you don?t have a mobile phone? 416 12365 1 I don?t have anyone to call 6 2 Spouse does not allow me 4 3 Parents do not allow me 11 4 Other family members do not allow me 0 5 Using a phone is against my culture/religion 1 6 I don?t have money to buy phone 252 7 I don?t have money to pay for airtime 5 8 There is no network where I live/work 13 9 Worry about what people in community would think 0 10 I don?t have a need to use a phone 14 11 No specific reason 40 12 Other, specify 70 Sysmiss 12365 C.3.7_S. Specify the main reason why you don't have a mobile phone. 70 0 Damaged 1 Had one and sold it 1 Has lost it 1 IT FELL DOWN & SHE TOOK IT FOR REPAIR 1 IT STOPPED WORKING 1 IT WAS LOST 1 It was stolen planning to buy a new one. 1 LOST IT 1 My phone got lost 1 My phone got spoiled 1 PREVIOUS PHONE GOT DAMAGED RECENTLY AND SHE'S.... 1 Phone got spoiled 1 Respondent shares the phone with the spouse. 1 THERE IS NO NETWORK,SO IT IS AS GOOD AS NOT HAVING 1 THEY STOLE HER PHONE 1 always sell it when broke 1 battery is dead 1 being repaired 1 broke it 1 dont have phone and access 1 got lost 1 had a phone but it got damaged 1 had but its damaged 1 had one but husband got it 1 have a phone 2 he has a phone 1 i dont have money to buy 1 i dont how to use a phone because i cant read 1 i droped in water 1 i had it got damaged 1 i have a phone 4 i have a phone that is mine 1 i have the phone 2 i lost it 1 i own a phone 1 it got damaged 1 it got damaged recently 1 it got lost 1 it got spoiled 2 it was stolen 1 its brings me problems too much girlfriends 1 its spoilt 1 its under repair 1 los my phone 1 lost it 3 lost the phone 1 no one to help with a phone 1 none 1 not in working conditions 1 phone damage 1 phone demaged 1 phone dropped in water 1 phone got damaged 2 phone got destroyed 1 phone got lost 1 she has a mobile phone 1 sold a phone 1 sold my phone 1 stolen 1 the one l had got lost 1 the phone got spoiled 1 C.3.8. What is the main reason why you don?t use a mobile phone? 416 12365 1 I don?t have anyone to call 11 2 Spouse does not allow me 5 3 Parents do not allow me 9 4 Other family members do not allow me 3 5 Using a phone is against my culture/religion 0 6 I don?t have money to buy phone 226 7 I don?t have money to pay for airtime 17 8 There is no network where I live/work 12 9 Worry about what people in community would think 0 10 I don?t have a need to use a phone 14 11 No specific reason 59 12 Other, specify 60 Sysmiss 12365 C.3.8_S. Specify the main reason why you don't use a mobile phone. 60 0 I lost my phone 1 IT FELL DOWN & SHE TOOK IT FOR REPAIR 1 IT STOPPED WORKING 1 IT WAS LOST 1 Lost it on the lake 1 My phone got cost 1 My phone got spoiled 1 NO NETWORK 1 PHONE GOT DAMAGED 1 PHONE WAS STOLEN 1 Phone got lost 1 Uses the spouse's phone. 1 battery is dead 1 being repaired 1 damaged 1 destroyed 1 do not have money for another one 1 dont have phone 1 got lost 1 had a phone 1 had but lost it 1 he uses the to the spouse phone 1 i do have and use the phone 1 i dont have a phone 1 i dont know how to operate a phone 1 i have 1 i have a phone 2 i have not yet bought a phone 1 i have the phone 1 i have to first worry about important things 1 i sold my phone 1 i use my phone 4 i use the my phone 1 i use the phone 1 it got damaged recently 1 it got lost 1 it got lost since then have not bought 1 its under repair 1 l use my neighbor 1 lost it 1 lost my phone 1 no money 1 no network in the area 1 none 1 not in working conditions 1 not yet bought 1 phone got damaged 1 phone got destroyed 1 phone got spoiled 3 she does use a mobile phone 1 too many girls call me it brings me problems 1 use other people's when in need 1 uses but its with the husband 1 was stolen 1 C.3.9. Do you personally have a SIM card? 12309 472 1 Yes 7896 2 No 4413 Sysmiss 472 C.3.10. Can you use it when you need to? 4829 7952 1 Yes 1104 2 No 3725 Sysmiss 7952 C.4.1. Please tell me which of the following describes your situation best? 12725 56 1 You own this house 4154 2 A member of your household owns this house 4623 3 You/your household rent this house 2286 4 This house is provided to you/your household rent free 1415 5 Other, specify 247 Sysmiss 56 C.4.1_S. Specify what describes your situation best. 185 0 A GOOD SAMARITAIN OWN THIS HOUSE 1 BOTH WIFE AND HUSBAND OWN THIS HOUSE 1 Built this household together 1 Built with my husband 1 DEPENDANT 1 Dependant 1 EMPLOYER PROVIDES 1 FAMILY HOUSE 1 FATHER IN LAWS HOUSE 1 Family home left by deceased 1 He enjoying life with the family 1 Husband left for me 1 Husband ows this house 1 I OWN THIS HOUSE 1 I just built it myself 1 I own House 1 I own a mobile phone 1 I own this house 1 I own this this house 1 INHERITED 1 Inherited 1 Inherited it 1 Inheritend 1 My father owns this house 2 My husband owns this house 1 NON FAMILY MEMBER EVERYTHING IS DONE FOR HIM 1 OWN HOUSE 1 Owns the house with the husband 1 School 1 THE HOUSE IS FOR MY PARENTS 1 THE PARENT OWNS THE HOUSE 1 The house is owned by the husband and the wife; 1 The house was built for them by their Children. 1 a member 1 am a dependant 1 am just kept 1 am the owner 1 belongs to the family 1 built it 3 built it herself 1 built it myself 1 buld the house 1 care taker 1 care takers of the house till owners come 1 caretaker 2 company house 4 daghter of tthe house hold 1 delete 1 depardent 1 dependant 1 does not have 1 dont have a house 1 dont know 1 family house 9 farmily house 1 fathers house 1 for the family 1 goverment house 1 government house 2 government owned ( ministry of education 1 government property 1 he rents 1 house belongs to the household 1 house for the company 1 husband inherited the house 1 i own the house 3 i own this house 4 i rent the house 1 i rent this house 1 inherited it from my late mother 1 inheritend 1 institution house 2 institutional house 1 istitutional house 1 it belongs to the boses 1 it is a family house 1 it is for the company 1 it is her late son's house 1 it is my son's house 1 it is our household 1 its a church house 1 its a government property 1 its mine and husband 1 its my house 2 just a member 1 just built it 1 kept by grandmother 1 l built it 4 lt was given to me 1 make shift house 1 member 1 mine 1 my children built it for me 1 my father owns this house 3 my house 2 my husband owns this house 2 my mother owns this house 1 my own house 2 none 1 not applicable 2 not working 1 noyn dwrt itneill b 1 own house 7 own the house 4 own this house 5 own togerher with husband 1 own together 1 owned by both 1 owner of house 2 owner of house hold 1 owns a what looks like a house though its not 1 provided by farmily members 1 provided by inlaw 1 provided by institution ministry of health 1 provided by parents 1 provided by the school.(PTA) 1 provided free by employer 1 rent 2 rented house from the landlord 1 renting the house 1 school house 2 she owns it 1 sisters house 1 staying with her daughter in law 1 stil living with my parents 1 still at the father's house 1 the heard of the house and her built the house 1 the house is government they deduct from the paysl 1 the house is provided by the community 1 the house was inherited 1 the owner is not around 1 the situation is tense he is a grown up person 1 this house belongs to the family 1 we are living in the rented house 1 we built the house 1 we own it as a household 1 we own this with my husband 1 C.4.2. How did you get the house? 5094 7687 1 Bought it 400 2 Built it 3507 3 Family bought/built it 547 4 Inherited it 292 5 Other, specify 348 Sysmiss 7687 C.4.2_S. Specify how you got the house. 0 0 C.4.3. Where did you get most of the money from to buy/build the house? 3907 8874 1 Mortgage from building society 8 2 Loan from bank 35 3 Loan from microfinance institution (MFI) such as Finca or EF 3 4 Loan from a microlender such as Bayport 6 5 Loan from a savings and credit cooperative (SACCO) 0 6 Loan from government housing scheme 4 7 Borrowed from savings group 3 8 Borrowed from someone in your community who lends money to o 4 9 Borrowed from family/friends 22 10 Own savings 1464 11 Money from a Chilimba 3 12 Investment income from dividends, bonds, collective investme 0 13 Money from a village bank 5 14 Inherited some money 78 15 Pension lump sum/terminal benefits payment 65 16 Using cash when had cash 1057 17 Other, specify 1150 Sysmiss 8874 C.4.3_S. Specify where you got most of the money from to buy/build the house. 1151 0 ""he got from farming" 1 "Her husband built for her once he was alive" 1 "from farming" 1 "she does sold groundnuts." 1 "she got from farming" 1 "she got the money from piece works" 1 A FAMILY MEMBER BUILT IT 1 BENEFITS FROM THE SPOUS 1 BUILD BY CHILD 1 BUILT BY FAMILY MEMBER 1 BUILT IT HIMSELF 1 BUILT IT MYSELF 1 BUILT IT WITH HIS OWN LABOUR 1 BUILT IT WITH MUD BRICKS ON THEIR OWN 1 BUILT IT WITH OWN RESOURCES AND LABOUR 1 BUILT OWN HIS OWN 1 BUILT THE HOUSE OWN HIS OWN 1 BUYS AND SELLS MAIZE BRAINS 1 Built it 6 Built it herself 1 Built it himself 3 Built it myself 1 Built it myself up to roof level 1 Built it on his own 1 Built it on my own 1 Built it with own labour 1 Built myself 1 Built the house himself 1 Built when my husband was living 1 Built with free materials(mud, grass and timber). 1 Built with free natural resources. 1 Business 1 Charcoal burning 3 Church members helped with funds 1 DID BUILD THE HOUSE ALONE 1 DID NOT USE ANY MONEY 1 DIDN'T NEED MONEY TO BUILD IT ( MADE OF MUD ANA GL 1 DO NOT KNOW 1 Dad built the house for me 1 Did everything on my own 1 Did not require any money to build the house 1 Did not use any moneu(free natural materials) 1 Did not use any money. I built it on my own. 1 Didn't use money(built with free natural resouces) 1 FARMING 8 FARMING. PRODUCE 1 FATHER INLAW 1 FROM FARMING 1 FROM MY BUSINESS 1 FROM MY HUSBAND 1 FROM SALE OF FARM LAND 1 1 FROM SELLING OF CROP PRODUCE 1 Farm produce 1 Farmimg 1 Farming 6 Farming and Fishing. 1 Farming income from tomatoe and onion 1 Farming income(sold sorgum) 1 Fishing Money 1 From Agricultural products. 1 From Farming 2 From Farming Harvest 1 From business of mkoyo 1 From carpentry 1 From cassava sales 1 From faming 1 From farming 2 From farming and bus driving 1 From former mine houses 1 From maize sales 1 From my part-time job 1 From piece works 1 From piecework 1 From selling crops 1 From selling fish 1 From the livestock he sold 1 GOT LOAN FROM THE EMPLOYERS 1 Gardening 1 Given by my children most of the money 1 Got all the materials form the bush 1 Got money from farmil 1 Got money from piece works and selling firewood 1 1 He built the house himself 1 He sold a cattle 1 1 I built it on my own. no money used 1 I bult it myself 3 I did it myself 1 I didnt buy it 1 I dont know 1 I used to sale beer kachaso 1 I was doing my pieace work 1 I was given a long team bounace 1 I was seling beer kachaso 1 Income from Farming 1 Income from brick laying 1 JUST BOUGHT 1 Just built it himself 1 LOAN FROM EMPLOYER 1 Laboured to get building materials 1 Laboured to get materials from the forest 1 MONEY FROM FARM PRODUCE 1 MOPANI COPPER MINES GAVE THEM THE MONEY AS COMPASE 1 MY OWN LABOUR 2 Made by my self 1 Made mud bricks, cut poles, and glass 1 Money from Selling groundnuts 1 Money from farm products 1 Money from parents 1 Money from social cash transfer. 1 Money raised from farming 1 My Brother Built it for me 1 My Brother built it for free 1 My brother provided money 1 My father cut pole and applied mud 1 NEVER BORROWED 1 NEVER SPENT 4 NEVER SPENT ANYTHING USED NATURAL RESOURCES 1 NEVER SPENT USED NATURAL RESOURCES 1 NO EXPENSES INVOLVED 1 NO MONEY INVOLVED 1 NOT SURE 2 Never borrowed 1 No Money Was Used 1 No money was needed to build this house 1 OWN A BUSINESS 1 OWN LABOUR AND MATERIALS 1 OWN.BUILT IT 1 Own Labour 1 Own built 1 Own labour 3 PARENTS HOUSE 1 PART OF MY RETRENCHMENT PACKAGE 1 PIECE WORK 1 Parent built it for him 1 Retirement package 1 SELLING FARM PRODUCTS 1 SELLING FARMING PRODCTS 1 SOCIAL CASH TRANSFER 1 SOLD FARM PRODUCE 1 SOLD PART OF THE FARM 1 Sales from cash crops 1 Saling farm product 1 Selling charcoal 1 Selling of Maize and Livestock. 1 Sold Maize from farming 1 Sold Millet which was cultivated. 1 Sold bicycle to build house. 1 THROUGH FARMING 1 The father built it for free 1 The husband built it. 1 They built the house themselves using mud 1 They built the house with the husband 1 Throough farming 1 Through farming business 1 Through farming. 1 Throught business. 1 USED NATURAL RESOURCES 1 USED THE NATURAL RESOURCES 1 Used Money coming from crop sales. 1 Used Money from sale of crops 1 Used children 1 Used his own man power 1 Used natural free resources to build(no money) 1 WAS GIVEN LAND AND BUILT IT USING OWN MADE BLOCKS 1 Was built for free by my inlaws 1 Worked for ZAFFICO ON A SHORT TERM BASIS AND BUILT 1 Worked in the forest to get materials 1 ZCCM PACKAGE 1 a farmer grow maize supply to FRA 1 a relative built for me this house 1 a relative was paying on behalf of the lady the pe 1 after agric sells 1 after selling agricultural products 1 after selling crops 1 after selling farm produce 3 after sellling the crops i havested 1 agricultural produce 1 as a cowcher dancing 1 belt at no cost 1 belt it by myself 1 belt it myself 1 belt my self 1 benifs from husband 1 biult it with collected material 1 build at no cost 1 build it 1 build it at no cost 1 build on her own 1 building 1 building on his own 1 builds at no cost 1 built at no cost 2 built by a child 1 built by children 1 built by late husband 1 built by my son 1 built by myself 2 built by the owner 1 built from local materials no money spent 1 built in kind 1 built it 9 built it at no cost 2 built it by myself 1 built it by our own, no money needed 1 built it by the owner 1 built it herself 1 built it herself with the help of her ex husband 1 built it himself 18 built it himself. 1 built it myself 13 built it myself and bought iron sheets from farmin 1 built it on my own 3 built it on our own 1 built it on there on 1 built it ourselves 1 built it own my own 1 built it themselves 4 built it using my own money 1 built it using unpachased material 1 built it with mud 1 built it with own hands 1 built it without the use of money 1 built myself 4 built on his own 1 built on my own 1 built own my own 4 built the house 1 built the house by myself 1 built the house myself 2 built the house on their on 1 built this house 1 built using it a long time using farm produce 1 built using local materials 1 built with my husband 1 built with natural resouces 1 built with own labor 1 builtb it 1 builtbit himself 1 builty it myself 1 buit by own no money spent 1 buit it 1 buit the house using mud 1 buity it 1 bulding myself 1 bulit by himself 1 burning charcaol 1 business 7 business deals with stones(stone deller) 1 business money 1 business profits 1 business selling of fish 1 business selling of woods 1 by moulding bricks 1 by selling farm produce 3 by working 1 cash from crop sales 1 charcoal business 1 child build the house 1 church 1 church members 1 collected building materials 1 collected grass and mud to build this house 1 collected materials 1 collected most of materials 1 collected resourses 1 collected timber my self 1 dad's house 1 did not buy anything 1 did not have to pay for it, built myself 1 did not pay 1 did not purchase anything towards the house 1 did not spend any money 1 did not use any money 6 did not use money 2 did not use money to build 1 did not use money to build it 1 did peace work 1 did piecework 1 did some piece work 1 didn't pay for labor 1 1 didnt buy anthing 1 didnt need any money to build house 1 didnt need money for building 1 didnt need money to biuld 1 1 didnt use any money 4 didnt use money 2 didnt use money used materials found 1 didt buy anything 1 do not own the house 1 doesn't know 1 doesnt know 1 family 1 family bought it for me 1 family built 2 family built for me 1 family built it for me 1 family gave me the money 1 family members 1 family members helped me 1 faming 1 farm 1 farm money 1 farm produce 2 farm produce sales 1 farm work and sold one cow 1 farming 133 farming activities 3 farming and fishing 1 farming income 1 farming money 2 farming produce sales 1 farming produce(sales ) 1 farming then selling 1 farmng 1 field rentals 1 fishing 6 fishing business 3 fishing(for a seling purpose) 1 found material 1 found materials 2 free house from government 1 fro my crops 1 fro piece works 1 from building 1 from business 3 from business money 1 from busness 2 from children 2 from crop sales 2 from farm (own produce) 1 from farm produce 4 from farming 34 1 from farming harvest 2 from farming money 2 from farming produce 1 from farming products 1 from fish sales 1 from fishing 2 from money raised in farming 1 from my business 2 from my charcoal business 1 from my crops 1 from my farm 3 from my farm produce 5 from my farming 2 from my farming produces 1 from my grops which l sold 1 from my husband 1 from my produce 1 from own business 1 from own daughter 1 from own produce crops 1 from peace works 1 from piece work 1 from pieceworks and farming 1 from selling agricultural produce 2 from selling farm produce 3 from selling fish 1 from selling kachaso 1 from selling own crops(maize) 1 from the business 1 from the church members 1 from the farm 3 from the farm produce i sold 1 from the garden 1 from the garden work 1 from the mother 1 from the sell of farm produce 1 from work 1 ftom selling Munkoyo 1 gardening 1 give by parents 1 given by my husband 1 got from long service bonus 1 got money after working in the farm 1 got money from farming 2 got money from parents 1 got money from selling farming produce 1 got money from the selling of farm products 1 grew maize& chacoal sellling 1 growing maize,cassava & millet 1 had no expences 1 had to make bricks with children to build 1 he built it alone 1 he did the work alone 1 he does get from farming. 1 he does get from selling crops e.g cassava andmaiz 1 he does sold charcoal. 1 he spent no money 1 help from church members 1 help from family member 1 helped by family 1 helped by family members 1 helped by the children to build 1 her children build for her at no cost 1 his brother help her to built it 1 his bussinuess 1 his uncle help her to built it 1 husband 1 i belt it mayself i nevr payd 1 i belt it myself 2 i built it myself 3 i built it myself never spent any money 1 i did build someone else built it 1 i did use any money to build this house 1 i did'nt used any money i used my energy to build 1 i didnt pay\\did not use money. 1 i didnt use any money 1 i didnt use money 1 i didnt use money to build the house 1 i never used any money 1 i never used anymoney i built it using mud 1 i sell groundnuts,millet & maize 1 i sold charcoal to get most of my money 1 i sold charcoal which burnt my self 1 i sold crops 2 i sold fish 1 i sold maize then built a house 1 i used natural resources 1 i was doing some pieace 1 i was given the money to buy a house 1 i was work at forest 1 i when to collect catpillas 1 income from sell of farm produce 1 inherited from the husband 1 inherited the building materials from the parent 1 inhirited land 1 it was an inheritance 1 its for my father 1 its not his house so he doesnt know 1 just built 1 just built it 1 just built it on our own 1 just built it using own hands 1 just collected from the bush 1 just collected trees 1 just from one farming season 1 just got the grass for free 1 just used my man power skills without any money 1 just used trees and grass 1 just using local materials 1 killing fish 1 l built it 1 l was working 1 loan from bank 1 loan from employer 2 local beer brewing and selling 1 local materials 1 local materials and man power 1 local materials no money involved 2 local products no money spent 1 made all the building material 1 made bricks and built 1 made own bricks 1 made the bricks 1 made with item found 1 maize farm 2 making mud bricks 1 materials 1 materials found 2 materials from the bush 7 mold own bricks and a relative bought iron sheets 1 money farm produce 1 money from busness 1 money from children 1 money from crop sales 1 money from family 1 money from faming 1 money from farm produce 2 money from farm work 2 money from farm works 1 money from farming 9 money from my children 1 money from my farm 1 money from my farm produce 1 money from peacework 1 money from salary 1 money from sale of crops 1 money from sales from farming 1 money from sell of own produce 1 money from selling agricultural produce 1 money from selling farm 1 money from selling farm produce 2 money from selling own productd(crops grown 1 money from selling tradional beer 1 money from selling vegatables and crops 1 money from social cash transfer 1 money from the brother who died 1 money from the business 1 money from the farm 1 money from the farm after harvesting 1 money from the farm work 1 money generated from pan prick sales 1 money given by children 1 money i git from farming 1 money i got after farming 1 money i got from farming 1 money i got from selling fish 1 money obtained from piece works 1 money obtained through farming 1 money raised from farming 1 money raised from farming yearly 1 money through business 1 money through farming 1 mortgage from the employer 1 my brother bought it for me 1 my brother built for me 1 my brother built it for me 1 my brother bult it for me 1 my child bought it for me 1 my children built the house for me 1 my familly buit it for me 1 my family built it for me 1 my family member bult it for me 2 my father did i dnt know how much he spent 1 my grand son built it for me 1 my husband belt it 1 my husband built the house 1 my husband bult it 1 my inlaw built it for me 1 my late husband built it 1 my mother sold maize 1 my own business 1 my parents house 1 my uncle built it for me 1 my wife built it 1 natural resources 1 never used any cash did everything on his own 1 never used any money used natural resources. 1 never used money 1 never used money/collected materials 1 1 no money involved built using local material 1 no money related expenses 1 no money spended 1 no money spent 2 no money to save 1 no money used 1 no money used,just used grass 1 no money was involved 1 no money was spent 1 no money was spent constracting it 1 not applicable 7 not his house he is a care taker 1 not money but used local materials 1 not sure 1 nowhere 1 own biult 1 own building 1 own cash 1 own child built it for the mother 1 own effort 1 own labor 4 own labor never spent any money 1 own labor no money involved 2 own labour 4 own labour no need of money 1 own making 1 own resources 2 owned a business 1 owner built it him self 1 people's donations 1 piece of work 1 piece work 16 piece work and farm produce 1 piece work/farming 1 piece works 7 provided a service. (weeding in maize field) 1 raised from farming 1 raised money through farming 1 relatives gave me money 1 relatives helped with money 1 relied on son to finance it 1 respondent built the house using his own labour 1 retirement 1 sales opaque beer 1 saling my ceops 1 salling agricultral products 1 saved from fishing 1 seLf belt 1 self belt 2 self built 2 self constructed hence it was costless 1 self made 1 self made house 1 self-employment 1 sell farm produce 1 sell farm produce like maize to FRA 1 sell fish in nakonde 1 sell moding bricks 1 selling beer 1 selling farm produce 7 selling goat meat 1 selling livestocks 1 selling maize 1 selling own farm products 1 selling own grown crops 1 selling plots 1 she got the money from farm" 1 small businesses 1 small businesses such as selling chisense and char 1 small jobs 1 social cash 1 social cash transfer 1 social fund 1 social welfare 1 sold 2 cows 1 sold a car and built a house 1 sold a cattle 1 sold a cow 2 sold a cow to buy building materials 1 sold a farm 1 sold a farm to buy the family house 1 sold a house and bought another 1 sold a house and build this one 1 sold a plot 1 sold an item 1 sold another property 1 sold assets 1 sold cattle 3 sold chacoal ,cassava 1 sold charcoal 1 sold chickens 1 sold cow 1 sold cow milk 1 sold cows 1 sold crops 2 sold farm produce 7 sold farm produce and built a house 1 sold farm produce and livestock 1 sold farm products 1 sold farm products(maize) 1 sold farming produce 1 sold farming products 1 sold fish 1 sold goats 1 sold honey 1 sold livestock 3 sold livestock (pigs) 1 sold livestock like cattle 1 sold livestocks 1 sold maize 2 sold my old house... 1 sold rice 1 sold some livestock 1 sold some property to buy the house 1 sold sorghum,maize and cassava 1 sold soyabeans 1 sold the house to buy a bigger one being occupied 1 some one was sending to me 1 spouse bought it before he died 1 spouse built the house 1 tailoring 2 the house is just covered with grass 1 the mine built this house for me 1 the money i got from farming 1 the money was given by the family member 1 the money was giving to me from my brother 1 the son sent me the money 1 there was no money required 1 they just built it no money was used 1 thier son built it for them 1 through business 1 through farming 21 through farming and keeping livestock 1 through farming and savings 1 through farming capital 1 through farminig 2 through fishing 1 through my income 1 through piece works 1 through selling crops. 1 through the sells of maize 1 use of local materials and money from farming acti 1 used available material 2 used available materials 1 used grass and mud 1 used grass n mud 2 used his own power 1 used income from farming 1 used items found like dry grass and mud to make 1 used local material no money involved 1 used local materials 1 used materials found 1 used materials nearby 1 used money from business 1 used money from farming 2 used money from farming income 2 used money from own savings 1 used money from selling farm produce 1 used money from selling farming produce 1 used money obtained from farming 1 used money raised from farming 1 used mud and grass 2 used my own materials 1 used my own money 1 used natural resources 6 used no money to build 1 used own labor 1 used own resource 1 used own resources 1 used pension 1 used social Cash Transfer funds (2018) 1 used some money from doing some piece works 1 used sticks grass and mud from localit 1 used to sell charcoal 1 used to sell charcol 1 used to sell fish 1 using money from farm produce 6 using resources ( made it for them selves) 1 was built by my child 1 was employed before so used salary then 1 we built it 1 we built it our self 1 work 1 worked 1 working 1 working at the council 1 C.4.4. Do you still owe money on the house? 8211 4570 1 Yes 248 2 No 7736 3 Refused 227 Sysmiss 4570 C.4.5.Q. Approximately how much of this land do you use for farming purposes? (Q 3846 8935 0.01 9000 20.018 233.237 C.4.5.U. Approximately how much of this land do you use for farming purposes? (U 3291 9490 1 Hectares 1689 2 Acres 806 3 Lima 796 Sysmiss 9490 D.1.1 What method do you mainly use to pay for food/groceries? 12725 56 1 By using your own cash 10886 2 By borrowing money and paying in cash 25 3 By cheque 0 4 Bank transfer 5 5 By debit card/ATM card 43 6 By credit card 6 7 Mobile phone payment/Mobile money services 31 8 Internet payment 0 9 By getting from the store/supplier and paying later with int 2 10 By getting from the store/supplier and paying later without 8 11 By exchanging goods 45 12 By providing services or doing piece work 94 13 You do not buy this because somebody buys it for you or the 1177 14 You don?t buy this because you never use this 275 15 Other, specify 128 Sysmiss 56 D.1.1_S. Specify the the method you mainly use to pay for food/groceries. 128 0 "through bank transfer, mobile money and cash" 1 Dependant 1 Farming 1 I dont buy food 1 I dont pay for food 1 My brother provides for me 1 My father pays for food and groceries 1 NO METHOD , RESPONDENT IS A DEPENDANT 1 SISTER PROVIDES 1 Sale Goats which in turn he uses the Money items 1 Supported by family and she is a social cash trans 1 The aunt provides 1 am a dependant 1 am kept 1 am kept by my children 1 am stil a school going pupil 1 been kept mom buys things for us 1 both cash/mobile money 1 business 1 business money 1 by exchange of goods or services 1 by salling what we have 1 by selling goods produced 1 by selling products 1 by using my fathers money 1 cash 1 cash from business 1 children 1 children provide the needs 1 dad buys 1 depend on daughter 1 dependant 3 do not buy anything at home 1 do piece work 1 doesnt pay 4 dont buy 1 dont buy food 2 dont buy food / groceries 1 dont buy food grow food 1 dont buy groceries 1 dont buy, some one does for me 1 dont owen anything 1 dont pay 1 dont pay anything 1 dont pay for food / groceries 1 dont pay for food they grow food 1 dont pay for food/groceries 2 dont pay for goods 1 dont purchase food is a dependant 1 dont use any 1 far ming 1 farming 11 farming sya beans 1 farming/cassava 1 from business 1 from children 1 from farming priduce 1 get food from farming 1 get food from the farm 1 get from what i grow 1 gets from the farm 1 grow my own 1 has no money 1 house rent 1 husband usually buys 1 i am a blind man un able to have access to money 1 i am a dependant 1 i dont buy 1 i dont have expenses 1 i dont know i dont buy this 1 i dont know my parents do that for me 1 i dont work 1 i have no expenses to pay for 1 i just kept 1 i sell traditinal beer 1 i'm being kept 1 kept therefore does not buy groceries 1 member of household goes the buying l dont know 1 money from children 1 money from piece work 1 my husband buys food and groyceries 1 never spend 1 none 2 not applicable 1 not invloved in such 1 not involved 1 nothing 1 orphanage 1 paid by my husband cash 1 parent 1 parents buy 1 piece work 1 piece works 3 provided by the head of household 1 rely on family 1 rental 1 respodent doesnt pay for bills 1 respondent doesnt pay for bills 1 salary 1 sell ice blocks 1 selling charcoal 1 sells chickens 1 sells sugar cane 1 she has no such expenses. 1 she is 18 years she has no income earning 1 through busness 1 we dont buy groceries 1 we dont pay any school fees 1 D.1.2 What method do you mainly use to pay for utility bills (e.g water, electri 12725 56 1 By using your own cash 4494 2 By borrowing money and paying in cash 12 3 By cheque 1 4 Bank transfer 22 5 By debit card/ATM card 16 6 By credit card 1 7 Mobile phone payment/Mobile money services 412 10 By getting from the store/supplier and paying later without 0 11 By exchanging goods 1 13 You do not buy this because somebody buys it for you or the 1034 14 You don?t buy this because you never use this 5985 15 Other, specify 747 Sysmiss 56 D.1.2_S. Specify the method you mainly use to pay for utility bills. 749 0 By exchange of maize 1 CURRENTLY NOT INCURRING ANY UTILIT BILLS 1 DO NOT HAVE BILLS 1 DO NOT PAY BILLS 1 DO NOT PAY FOR ANY BILLS 1 DO NOT PAY FOR BILLS 1 DOES NOT HAVE BILLS 1 DOES NOT PAY BILLS 1 DOESNT PAY BILLS 1 DON'T PAY FOR WATER 1 DONT BUY THIS 2 DONT PAY BILLS 1 DONT PAY UTILITY BILLS 1 Do not have bills 1 Does not pay for utility bills 1 Dont buy this 1 Dont have bills 2 Dont pay 3 Dont pay any bills 1 Dont pay any utility bills 1 Dont pay for any utility bills 1 Dont pay for that 1 Dont pay for this 2 Dont pay for water and electricity 1 Dont pay nothing 1 Dont such bills 1 FREE 2 FREE WATER PROVIDED BY THE EMPLOYER 1 HAVE A WELL 1 Have no such bills 1 I dont have any bills to settle 1 I dont pay for bills 1 LANDLORD BUYS 1 LANDLORD PAYS THE ELECTRICITY BILL 1 MOBILE MONEY AND CASH EQUALLY 1 NEVER PAY 1 NO BILLS OF SUCH 1 NO NSUCH BILLS 1 NO SUCH BILL 1 NO SUCH BILLS 23 NOT APLICABLE 1 NOT APPLICABLE 4 NOT PAYING ANY BILLS 1 Nill 1 No bills 1 Not Aplicable 1 Not Applicable 7 Not applicable 6 Not applicable because respondant is not connected 1 OWNER OF HOUSE BUYS 1 PAID FOR BY THE EMPLOYER 1 PAY MONEY TO LANDLORD 1 PROVIDED FREE BY THE EMPLOYER 1 RESPONDENT DOES PAY UTILITY BILLS 1 RESPONDENT DOESNG PAY UTILITY BILLS 1 RESPONDENT DOESNT PAY UTILITY BILLS 2 RESPONDENT DOESNT PAY UTILITY BILLS. 2 1 THE HEAD PAYS THE BILLS 1 The aunt pays for everything 1 They use uppaid for water 1 Water cash electricity through the bank 1 am a dependant 1 am just a dependand 1 am just kept 1 am kept by my children 1 borehole 1 business money 1 cash 1 cash when i find someone who is not understanding 1 church buys for thebhousehold 1 dad buys 1 depandant 1 do not have 1 do not have any bills to pay 1 do not have bills to pay 1 do not have utility bills 1 do not pay 6 do not pay any bill 2 do not pay bills 2 do not pay for any ultilities 1 do not pay such bills 1 do not pay these bills 2 do not pay utility bills 3 do not pays for such bills 1 do not pays such bills 1 do not such bills 1 does have utility bill. 1 does not apply 2 does not buy 1 does not have 1 does not have any utility bills 1 does not have bills 1 does not have to pay 1 does not need to pay for them 1 does not pay 6 does not pay any expense 1 does not pay bills 1 does not pay for them 3 does not pay for water from the borehole 1 does not pay utility bills 1 does not recieve 1 does not recieve any bills 4 does't pay 1 doesn't have 1 doesn't have such kind of bills. 1 doesn't pay anything she is a daughter 1 doesn't pay for utility bills 1 doesn't pay, its his 1 doesn't require to pay 1 doesnt have those expenses 1 doesnt pay 20 doesnt recieve any bills 1 don"t pay 1 1 don't have any bills to pay. 1 don't have any utility bill to settle 1 don't have bills 3 1 don't pay any 1 don't pay any bills 5 don't pay bills 11 don't pay for borehole 1 don't pay for such things 1 don't pay utility bills 1 don,t pay anything 1 dont buy 1 dont have 1 dont have any 1 dont have any utility bills 1 dont have electrcity 1 dont have electricity 1 dont have such bills 1 dont have such services 3 dont have to pay 1 dont have utilitu bills 2 dont have utility 1 dont have utility bills 38 dont know 1 dont owen anything 1 dont pay 23 dont pay any 1 dont pay any bills 7 dont pay any utility bills 1 dont pay anyhing 1 dont pay anything 14 dont pay bills 23 dont pay bils 1 dont pay for any water bills 1 dont pay for bills 3 dont pay for either 1 dont pay for it 1 dont pay for this 1 dont pay for this the company pays 1 dont pay for water bills 1 dont pay it 1 dont pay utilities 1 dont pay utility bills 5 dont pays 2 dont payy anything 1 dont recieve any bills 2 dont recieve bills 1 dont use 1 dont use any 1 dont use electricity 1 dont use them 1 dosen't pay utility bills 2 free from borehole 1 free water from the community 1 from farming 1 grandmother pays 1 has no utilities 1 have no bills 1 have no bills to pay for 1 he does not have such bills 1 he does not pay any bills 1 he dosent 1 he is a dependant 1 house owned by me 1 house rent 1 husband bank account 1 husband pays 1 husband usually pays 1 i do not pay 1 i do not pay for such bills 1 i don't have utility bills 1 i dont buy 1 i dont buy these 1 i dont have any expenses 1 i dont pay 3 i dont pay bill 1 i dont pay bills 1 i dont pay for such expenses 1 i dont pay for them 1 i dont pay for utility 1 i dont pay these 1 i have no bills 2 i have no expenses to pay for 1 i have nobody to take to school 1 idont have any of the above mentioned 1 it is supplied to us by our employer 1 landlord pays all bills 1 mobile money 2 mobile phone 1 money from business 1 mother pays all bills 1 mother pays for him 1 my parent buys 1 my parents pays 1 never pays for any utility bills 1 never use money 1 nill 1 no applicable 1 no bills 39 no bills are paid 1 no bills to pay 4 no electric power 1 no electricity 4 no electricity and water bils 1 no electrict 1 no eletrict 1 no expense 1 no need 1 no one goes to school 1 no such services 1 no utility bill 1 no utility bills 8 no utility bills are used in this household 1 no utility bills paid 1 no utility bills payed 3 no utility bills to pay 1 no utility bils 1 non applicable 4 none 14 none of the above is applicable 1 none utility 1 not aplicable 9 not appliacable 1 not applicable 147 not applicable here 1 not applicable, 1 not applicable, dont have such services 1 not applicable.no bills paid 1 not connected to electricity 1 not eligible to pay bills 1 nothing 1 nothing like water bills 1 online transactions 1 paid by my husband cash 1 parents pay 1 parents pay for me 1 piece works 1 piece. work 1 provided by the goverment 1 rental 1 repondent dont pay for bills 1 respodent doesnt pay bills 1 respondent dependent 1 respondent does not pay for bills 2 respondent does pay for such bills 1 respondent doesnt pay for any bills 1 respondent doesnt pay for bills 4 respondent dont pay for bills 5 respondent dont pay for such bills 2 respondent is a dependant 1 she does have utility bills 1 she doesn't any bills at the moment. 1 she doesn't any bills. 1 she doesn't have such bills 1 she doesnt have bills 1 she has no income 1 she is single 1 the company pays 1 the father pays 1 the head pays for this 1 the household doesnot pay for water 1 the household dosent pay for this 1 the situation doesnt apply at this house 1 their house is connected to electricity 1 their house is not connected to electricity 1 there is no electricity 1 there is no power 1 there's no power and water 1 they do not pay for water 1 they don't have electricity 1 they dont pay any bill 1 they dont pay any utility bills 1 they dont pay water billsor electricity bills 1 they facilities are free 1 under someone 1 use a well 1 use cash 1 we do not buy or pay bills here 1 we do not pay such bills 1 we do not pay such bills here 1 we dont have utilities 1 we dont pay 1 we dont pay bills 1 we dont use the because the donors provide them 1 we have no bills at all 1 we have no bills to pay 1 D.1.3 How do you usually pay for school fees? 12725 56 1 By using your own cash 6734 2 By borrowing money and paying in cash 25 3 By cheque 6 4 Bank transfer 306 5 By debit card/ATM card 11 6 By credit card 1 7 Mobile phone payment/Mobile money services 32 8 Internet payment 3 9 By getting from the store/supplier and paying later with int 2 10 By getting from the store/supplier and paying later without 0 11 By exchanging goods 18 12 By providing services or doing piece work 62 13 You do not buy this because somebody buys it for you or the 1095 14 You don?t buy this because you never use this 3709 15 Other, specify 721 Sysmiss 56 D.1.3_S. Specify how you usually pay for school fees. 721 0 A FAMILY MEMBER PAYS 1 As at now no one goes to school 1 CHILD IS UNDER FREE EDUCATION 1 CURRENTLY NOT ATTENDING SCHOOL 1 CURRENTLY NOT PAYING ANY FEES 1 Children are not schooling 1 Children have not started school 1 1 DEDUCTIONS BY THE EMPLOYERS 1 DEPOSIT CASH 1 DEPOSITING CASH INTO THE SCHOOL ACCOUNT 1 DO NOT PAY ANY SCHOOL FEES 1 DO NOT PAY FOR ANY SCHOOL FEES 1 DO NOT PAY SCHOOL FEES 1 DOES NOT PAY ANY SCHOOL FEES 1 DONT HAVE ANYONE TO PAY FOR 1 Daniel does not attend any school 1 Deposit money at the bank 1 Do not pay 1 Do not pay any 1 Do not pay for school fees 1 Does not go to school 2 Does not partcipate 1 Does not pay fees for anyone 1 Does not pay for anyone 1 Does not pay school fees 1 Don't pay any school fees 1 Don't use them 1 Donot go to school 1 Dont go to school 1 Dont have children to pay for 1 Dont pay any school fees 1 Dropped out 1 FAMILY PAYS 1 FATHER OF CHILD PAYS 1 Fostina doesbit attend school 1 Funded by world vision 1 HAVE NO ONE TO PAY FOR 3 He dont have this responsibility 1 He has no such expenses. 1 I DON'T PAY FOR ANYONE 1 I DONT PAY FOR ANY SCHOOL 1 I DONT PAY FOR ANYONE 3 I DONT PAY SCHOOL FEES FOR ANYONE 1 I HAVE NO ONE TO PAY FOR 1 I HAVE NO ONE TO PAY FOR SCHOOL 1 I dont pay anyone to school 1 I dropped out of school. 1 I have stoped school 1 Iam being paid for 1 KGS THE GOVERNMENT PAYS FOR ME 1 MY BROTHER DOES EVERYTHING FOR ME 1 MY PARENTS PROVIDES FOR ME 1 My brother pays for his children 1 My father pays 1 N/A not in school 1 NO ONE CURRENTLY GOES TO SCHOOL 1 NO ONE TO PAY FOR SCHOOL 1 NO SCHOOL BILLS AT PRESENT 1 NO SUCH 1 NO SUCH BILLS 9 NO SUCH FEES 3 NOBODY GOES TO SCHOOL IN THIS HOUSEHOLD 1 NON OF THE ABOVE 1 NOT APPLICABLE 3 NOT ATTENDING 1 NOT CURRENTLY ATTENDING SCHOOL 1 NOT INCURRING ANY SCHOOL FEES/BILLS 1 NOT PAYING ANY SCHOOL BILLS 1 NOT YET STARTED PAYING 1 No children to sponser 1 No longer in school 1 No one goes to schoo 1 No one goes to school 2 No one in the household goes to school 1 No one is at school at the moment 1 No one is in school 1 No one is schooling 1 No one to sponser 3 No one to sponsor 1 No school going children 1 No such expense 1 None of the household member going to school 1 Not Applicable 4 Not applicable 4 Not going to school 1 Not in School 1 Not in school 14 PARENTS PAY FOR HIM 1 PARENTS PAY THE FEES 1 Parents pay for her 1 Parents pay school fees 1 RESPONDENT DOESNT PAY FOR ANYONE. 1 RESPONDENT DOESNT PAY SCHOOL FEES 1 RESPONDENT IS CURRENTLY NOT PAYING ANY SCHOOL FEES 1 Respondant is not in school. 1 Respondent not in school 1 SPONORSHIP 1 Scholarship 1 She dnt have school going children 1 She dont have this responsibility 1 She has no such responsibility 1 Somebody else pays school fees for me 1 THE HEAD PAYS THE SCHOOL BILLS 1 The children's school fees are paid by somebody 1 The parents pay for me 1 The person is not paying any School fees. 1 The respondant does not go to school. 1 The respondent does not pay school fees. 1 There are no children to take to school 1 There is no one to sponser 3 They have no education related expenditures. 1 UNHCR 1 all my children are married 1 am amaid 1 am not attending school 1 am not attending school at the moment 1 am not paying school fees at now 1 am out of schol 1 bank deposit 2 being payed for by parents 1 business 1 by depositing in the bank school account 1 by depositing into a bank account 1 cash 1 cash deposit 1 cash deposited in bank 1 children are still home due to lack of money 1 children not in school 1 completed school 1 currently not paying 1 currently not paying school fees 1 deduct from pay 1 deposit into school account 1 deposit using zanaco express 1 deposite cash into schools bank account 1 deposite into account 1 depositing in a school bank account 1 distilling beer 1 do not go to school 2 do not have any to pay for school fees 1 do not pay 2 do not pay any school fee 1 do not pay fees at the moment 1 do not pay for anyone 1 do not pay for school 2 do not pay school fees 6 do not ppay school fees 1 does not go to school 1 does not pay 6 does not pay fees for anyone 1 does not pay for anyone 2 does not pay for school fees 1 does not pay school fees 4 doesn't go to school 1 doesn't pay 1 doesn't pay anything she is the daughter 1 doesn't pay school fees 1 doesnt have 1 doesnt pay 9 doesnt pay for anyone 1 doesnt pay parents pay for her 1 don"t pay 1 don'pay school. fees 1 don't pay any school fees 1 don't pay for school fees 4 don't pay school fees 4 don't pay school fees anymore 1 don'tt pay school feels 1 dont go to school 5 dont have 2 dont have a school going child 1 dont have any 1 1 dont have any school going children 2 dont have anyone going to school 3 dont have anyone to take to school 1 dont have chidren in school 1 dont have school expences 1 dont have school going children 3 dont have school to pay for 1 dont pay 12 1 dont pay any fees 2 dont pay any school fees 4 dont pay anyones school fees 1 dont pay anything 1 dont pay fees 1 dont pay for any one 2 dont pay for anyone 2 dont pay for anyone at school 1 dont pay for school fees 1 dont pay for that 2 dont pay its free education 1 dont pay school 1 dont pay school fees 10 dont pay school fees in goverment 1 dont pay school fees, its free education 1 dont pay school fees, no one goes to school 1 dont pay shool fees 1 dont pay, its freee education 1 dont pay, some pays for me. 1 dont provide 1 dosnt apply 1 dpes not pay for school fees 1 education for her child is free 1 education is free (primary) 1 education is free from grade one to seven 1 family members pay for her 1 faming 1 farming 5 farming income 2 finished finished grade 12 1 food 1 free education 12 free education ( grade 3 and 6) 1 free education (grade 1) 2 free education (grade 2 and 5) 1 free education (grade nursely and grade 1) 1 from produce from my farm 1 from sales 1 gardian pays for me 1 getting money from from parents 1 government 1 has no school going child 1 have no one to pay for fees 1 have not started paying 1 he doesn't pay school fees 1 he doesnt pay its free 1 1 he has no such expenses 2 he has no such expenses. 1 he is a dependant 1 he is not the one that pays fees 1 her children are not yet at school. 1 his not paying any school fees 1 hubby pays for both school fees 1 husabnd pays 1 husband pays for these utilities 1 husband usually pays 1 1 i am usually given money by my parents 1 i do not go to school 2 i do not have anybody who is go to school 1 i don't go to school 1 i don't pay 1 i don't pay for anyone 1 i don't pay for school fees 1 i don't pay school fees 1 i dont go to school 1 i dont go to school i completed 1 i dont go to shool so no need of paying shool fees 1 i dont have any expenses to pay for 1 i dont have school fees to pay 1 i dont have school gowers 1 i dont pay 3 i dont pay any school fees 4 i dont pay bills 1 i dont pay for any fees 1 i dont pay for any school fees 1 i dont pay for school fees 1 i dont pay school feels 1 i dont pay school fees 3 i dont pay school fees because i stop school 1 i have no expenses 1 i have no one in school yet 1 i have nobody to take to school 1 i have not yet started paying for them 1 i have stoped sculling 1 i se 1 i stopped school 1 iam not in school 3 is not in school 1 just a dependant 1 l dont go to school 1 l dont pay 1 l dont pay school fees 2 l stay alone 1 learners are paid under bursery 1 me i don't have people to talk to school 1 money from selling farm produce 1 money from the business 1 mum uses cash 1 my child is to young 1 my children are not yet in school 1 my children are young 1 my children don't go to school can't afford 1 my children havent yet started paying school fees 1 my father pays 1 my father pays my fees 1 my grandmother pays fo me 1 my mother 1 my mother pays for school fees 1 my parents 1 my pay for me cash at hand 1 never done before 1 never have someone to sponsor 1 never paid any money 1 1 no applicable 1 no bills 2 no body goes to school among my children 1 no child goes to school 3 no child is attending school 1 no children 1 no fees 2 no going school child 1 no is at school 1 no member of the household goes to school 1 no money for education 1 no near by schools 1 no one 1 no one at school 1 no one goes to school 18 no one goes to school at the moment 1 no one goes to shool 1 no one hoes 1 no one is at school 6 no one is attending school in muy household 1 no one is currently in school 1 no one is going to school 1 no one is in school 4 no one is in school so dont pay school fees 1 no one is in school yet 1 no one is in school(not applicable) 1 no one is to school now 1 no one schooling yet 1 no one to pay for 1 no one to pay for me 1 no one to pay school fees 1 no one z schooling 1 no payment 1 no person going to school 1 no pupils 2 no pupils/students 2 no responsibility for paying school fees 1 no responsibility for school 1 no scho 1 no scholars at home 1 no school child 1 no school children 2 no school expense 1 no school expenses the child is small 1 no school fees 4 no school fees to pay 1 no school going age 1 no school going child 1 no school going children 2 no school goinng child 1 no school responbility 1 no school to pay for 1 nobody goes to school 1 nolonger do that 1 non aplicable 1 non fee paying school 1 non of the above 1 non of the above goes to school 1 non of the family member goes to school 1 none 19 none goes to school 2 none goes to school from here 1 none is schooling 1 none of our children has started going to shool 1 none of the family member goes to school 1 not aplicable 2 not applicable 46 not applicable kop 1 not at school 1 not attending 1 not going to school 2 not in school 13 not paying any fees 1 not paying any school fees 2 not paying for any school fees 1 not paying for anyone currently 1 not paying school 1 not paying school fees 4 not paying school fees at the moment 1 not staeted 1 not the one who pays 1 not yet 1 not yet started paying 1 not yet to start paying 1 nothing 2 notyet 1 only have a baby 1 orphanage 1 orphanage sponsored 1 out of school 1 paid by UNHCR 1 parent 1 parents 2 parents pay for him andd is done with school 1 parents pay for me 1 parents pay for my school feels 1 parents pay for my school fees 1 parents pay on my behalf 1 parents pay using cash 1 pay by brother 1 pay in kind 1 payed by someone alse 1 paying out using farm produce(maize) 1 piece works 2 1 provided for free 1 relied on my grandmother(family member) 1 right now i dont pay school fees 1 school children do not pay anything 1 school fees are coverd by government 1 school leaver 1 sell some farm products and do piece works 1 she does not pay 1 she does not pay any 1 she does not pay for school fees 1 she does not pay school fees for anyone 1 she doesn't have baby yet 1 she doesn't pay school fees at the moment 1 she doesn't pay such thing 1 she doesnt pay school feels 1 she dont 1 she dosent pay school fees 1 she has no children who are schooling 1 she has no such expenses 1 she has no such expenses. 4 she has no such expeses. 1 she is not paying any school fees 1 someone pays for my fees 1 spouse pays 1 stay by myself and not in school 1 stoped going to school 1 stoped school 3 stopped school 1 the child does not pay fees yet 1 the children have not yet started going to school 1 the head of the household pays for this 1 the household doesnt use this 1 the military pays 1 their parents pay for school fees 1 there is free education in home country 1 they dont go 1 they dont go to school 1 they dont pay 1 they have no one who goes to school 1 through account 1 through farming 1 uncle pays for school fees 1 use income from farming 3 we dont pay any school fees 1 we dont pay for any one 1 we dont pay school fees 1 we have no one we pay for school fees 1 we have no one we pay school fees for 1 we have not started yet 1 we use income from farming 1 D.1.4 How would you mainly pay for larger goods/appliances such as a radio, TV, 12725 56 1 By using your own cash 7203 2 By borrowing money and paying in cash 26 3 By cheque 1 4 Bank transfer 21 5 By debit card/ATM card 64 6 By credit card 9 7 Mobile phone payment/Mobile money services 57 8 Internet payment 1 9 By getting from the store/supplier and paying later with int 7 10 By getting from the store/supplier and paying later without 5 11 By exchanging goods 28 12 By providing services or doing piece work 60 13 You do not buy this because somebody buys it for you or the 985 14 You don?t buy this because you never use this 3937 15 Other, specify 321 Sysmiss 56 D.1.4_S. Specify how you would mainly pay for larger goods/appliances. 324 0 !Does not pay for larger goods/appliances 1 DO NOT BUY 1 DOES NOT HAVE 1 DOES NOT PURCHASE SUCH UTILITIES 1 Do not make decicions for the house 1 Does not pay for larger goods/appliances 1 HAVE NO JOB NO MONEY 1 He is a dependant 1 I CANNOT BUY THOSE I DONT HAVE MONEY 1 I DONT WORK SO HAVE NO MONEY 1 I dont buy large goods 1 IAM KEPT BY MY BROTHER 1 INVEST IN BUSINESS 1 IT DEPENDS 1 My father pays for it 1 Never bought 1 Not Applicable 1 Not applicable 3 RESPONDENT DOESNT HAVE ELECTRICAL APPLIANCES 1 1 She does not sponser anyone 1 The aunt provides 1 The head of the house buys 1 The parents pay for them 1 already available 4 already available bought in cash 1 already there 1 am a dependant 1 am just kept by my parents 1 aunt buys 1 beer 1 by saving 2 by saving for it 1 can't afford 1 can't afford to buy such goods 1 can't buy such things 1 can't manage to buy 1 cannot afford to buy larger goods 1 cant afford 1 cash 2 do not buy already have 1 do not buy because already have no mpney to buy mo 1 do not buy cause of no money 1 do not have paytv 1 do not own largers goods 1 do piecework 1 does not apply 1 does not buy 1 does not own any. 1 does not pay 2 doesent pay anything for the bicycle 1 doesn't have 1 doesnt have any to pay for 1 doesnt pay 21 don't buy any 1 don't have income 1 don't pay for anything 1 1 dont buy 1 dont have 6 dont have any 1 dont have appliances 4 dont have large appliance 1 dont have large appliances 23 dont have largr appliances 1 dont have miney to buy these things 1 dont have money to buy goods 1 dont have money to buy such 1 dont have money to pay 1 dont have the items 1 dont have these services 1 dont have those items 1 dont have utility bills 1 dont know 1 dont large appliances 1 dont large sppliances 1 dont onwn anything 1 dont own any 1 dont pay 11 dont pay any 1 dont pay anything 1 dony have large appliances 1 dony have larger appliances 1 dosent apply 1 farming 1 fish business 1 from salary 1 get someone to help me farm 1 giving them farm products such as cotton, rice etc 1 has non of the above 1 have not bought any 2 have not bought any big appliances 1 have not bought such items 1 have not yet bought 1 haven't bought such things 1 he doesnt work at the moment so he cant buy such 1 he is a dependant 2 husband pays 1 i can't afford 1 1 i do not have account 1 i do not own them 1 i do not pay 1 i do'nt have 1 i doesn't have 1 i dont have a home 1 i dont have appliances 1 i dont have large appliances 1 i dont have money to buy such things 1 i dont have of the mentioned obove 1 i dont need them 1 i dont own any appliance and i dont buy 1 i dont pay any thing 1 i dont use them. 1 i have never bought anything like that before 1 i have not bought anything at the moment 1 i sell fish then i pay 1 idont have any of the things mentioned above 1 l can't buy larger goods 1 l don't have any money 1 l don't have them 3 l dont pay 1 l dont pay for it 1 loan from bank 1 my father pay for it 1 never bought such but cash can use 1 never bought such items 2 never brought such items 1 no applicable 1 no bills 1 no capacity to buy 1 no idea 1 no income 1 no larger goods/appliances 1 no larger purchase bought before 1 no money 6 no money for such 1 no money to buy 1 no money to buy appliances 1 no money to buy large goods 1 no money to buy larger goods 1 no money to buy such 1 no money to buy such still in school 1 no money to for such 1 no need 4 no reason 1 no source of money 1 no use for them because of old age 1 none 18 none of the above is applicable 1 noone goes to school 1 not applicable 38 not application 1 not eligible 1 not now, no money 1 not pay, no enough money 1 not yet on the budget 1 nothing 3 paid by husband using cash 1 parents 1 parents pays 1 piece works 1 plaiting hair 1 respodent doesnt pay for such 1 respondent does not pay for such 1 respondent dont pay for bills 2 respondent dont pay for that 1 selling agricultural produce 1 she does have any because she does not have money 1 she doesn't pay such goods 1 she has never bought an large goods/appliances 1 she has never had aceess to such appliances 1 still a dependant 1 still staying at her father's house 1 the boy is been kept by the parent 1 the head pays for this 1 they are not functioning due to power 1 they dont pay for larger goods 1 they have never bought 1 use money from the business 1 using cash 1 was given 1 we do not pay 1 we dont have money 1 would use cash but that never bought such goods 1 wr dont pay for the radio 1 D2.1 Thinking of your regular expenses, EXCLUDING food and clothing, what is mos 12725 56 1 25 1 Rent 1678 2 Electricity bills 573 3 Water bills 242 4 Telephone/talk time 223 5 Medical expenses 503 6 School / tuition fees 3086 7 Fuel ? Charcoal / Wood / Paraffin 309 8 Petrol / Diesel 13 9 Save or put money away ? into a bank or microfinance institu 156 10 Chilimba contribution 32 11 Savings group contribution 116 12 Money owed to store where I got goods 50 13 Money owed to suppliers of the goods I sell 24 14 Loan from bank 5 15 Loan from a microfinance institution e.g. Finca 2 16 Loan from a microlender e.g. Izwe Loans 3 17 Loan from a savings and credit cooperative (SACCO) 2 18 Insurance 0 19 Investment in the capital market 22 20 Loan from a building society 1 21 Loan from a savings group 4 22 Loan from moneylender e.g. Kaloba, shylock 7 23 Money owed to family/friends 296 24 Other, specify 2314 25 I don?t have expenses 3064 D2.1_S. Specify your other regular expenses. 2314 0 D2.1_S. Specify your other regular expenses. 0 0 D.3.1 Different people have different ways of getting money, please tell me how 12668 0 A 1010 AB 15 ABC 2 ABCD 1 ABE 1 ABEG 1 ABN 1 AC 67 ACD 1 ACE 6 ACG 4 ACL 1 ACN 1 AD 8 ADG 1 AE 34 AEFG 1 AEFHK 1 AEG 7 AEGL 1 AEHI 1 AEK 1 AEL 1 AEN 1 AF 4 AFGL 1 AG 96 AGL 2 AGN 1 AH 2 AI 3 AK 2 AL 8 ALN 1 AM 9 AN 23 B 235 BC 5 BCG 1 BDG 1 BE 9 BEG 3 BF 3 BG 8 BGN 1 BI 1 BL 4 BLM 1 BM 1 C 1192 CD 10 CDE 1 CDG 1 CE 71 CEF 1 CEFI 1 CEG 8 CEI 1 CEK 1 CELM 1 CEN 1 CF 9 CFG 1 CFH 2 CFI 1 CG 57 CH 10 CI 3 CJ 1 CK 1 CL 13 CLM 2 CM 9 CN 17 D 363 DE 18 DEF 2 DEH 1 DEN 1 DF 3 DFG 1 DFH 1 DFI 1 DFN 1 DG 6 DH 7 DHN 2 DI 1 DIJ 1 DK 1 DL 1 DN 2 E 2928 EF 33 EFG 4 EFL 1 EG 319 EGI 1 EGL 3 EGM 1 EGN 5 EH 15 EHJ 1 EHL 1 EI 3 EJ 6 EJL 2 EJLM 1 EK 20 EKL 4 EL 84 ELM 3 ELN 1 EM 11 EN 80 F 235 FG 19 FGH 1 FGI 1 FL 8 FLM 1 FM 3 FN 5 G 1637 GH 10 GI 3 GK 3 GL 59 GLM 9 GM 14 GMN 1 GN 41 H 73 HKL 1 HL 2 HN 8 I 7 IM 1 J 10 JL 5 K 28 KL 12 KM 2 KN 1 L 725 LM 114 LN 10 M 1365 MN 12 N 1294 D.3.1_S. Specify your ways of getting money. 1511 0 "she does sold socked cassava" 1 "she get from farming" 1 "she get from her own business" 1 "she rely from different people sorrounded her" 1 "she still at school" 1 A commission/wage 1 AM A STUDENT 1 AM YOUNG NO SOURCE OF INCOME 1 And support from son's daughters 1 Assorted businesses 1 At school 1 BREWING BEER 1 BUSINESS 8 BUSINESS OF TRADING 1 BUSINESS PROFITS 1 1 Banana selling 1 Beer Brewing 2 Brewing Beer 1 Builder 1 Buisiness 1 Business 2 Business different types 1 Business venture 1 Business( Local brewing) 1 By Entertainig people by dancing 1 CATCHING FISH AND SELLING 1 CHACOL BURNING 1 CHILIMBA 1 CURRENTLY NOT WORKING 1 Charcoal 1 Charcoal burning 4 Chicken rearing 1 Child support 1 Construction of swimming pools and supplying swimmjng pool related items 1 Cotton farming 1 DEPEND ON MY HUSBAND 1 DIFFERENT DAYS 1 DO NOT GET MONEY 1 DO NOT WORK 1 DOING BUSINESS 1 DON'T HAVE MONEY 1 Do some works 1 Does not work 2 Does not work rerly on brother 1 Dont earn any money at all 1 Dont not get any money, she is taken care of by her daughter 1 Driving 1 FAMILY 2 FARM 1 FARMING 26 FARMING BUSINESS 1 FISHING 1 FROM BUSINESS 1 FROM FAMILY MEMBER 1 FROM FARM PRODUCE 1 FROM FARM PRODUCTS 1 FROM FARMING 3 FROM HUSBAND 2 FROM LENDING MONEY WITH INTEREST 1 FROM MY FARMING 1 FROM PARENTS 4 FROM PTA SALARY AS SUPPORT STAFF TEACHER 1 FROM SUPPLING THE TIMES OF ZAMBIA 1 FROM THE BUSINESS I DO 1 1 Farming 7 Farming and bus driving 1 Farming and gardening 1 Farming products business 1 Fish 1 Fishing 9 Fishing as well 1 From beer brewing 1 From carpentry 1 From charcoal selling 1 From dad 1 From farming 1 From fishing 1 From my husband 1 From spouse 1 GIVEN 1 GROWING AND SELLING OF VEGITABLES AND TOMATOES 1 Gardening 3 Gets from husband 1 Grocery shop 1 HAIRDRESER 1 HAIRDRESSER 1 HUSBAND 2 HUSBANDS SALARY 1 Hebalist 1 His not in employement. 1 I DEPEND ON MY BROTHER 1 I DEPEND ON MY SISTER WHO KEEPS ME 1 I DEPEND ON MY SPOUSE 1 I RUN A BUSINESS 1 I do my own busness 1 I dont get any money my household member pays for me all my exepess 1 I find my money through fishing 1 Kisosk 1 Local Beer brewing 1 Local brewing 1 MARKTER 1 MISSIONARY CHURCH 1 MOBILE MONEY BUTH 1 MONEY FROM SELLING ITEMS LIKE PERFUMES AND CLOTHES 1 MY PARENTS PROVIDS FOR ME 1 1 Making Reed Mats 3 Markerteer selling Rice ,kapenta 1 Money from farm business 1 Money from the husband 1 NO WHERE 1 No employement 1 No expenses 1 No income 1 No source of income 1 Nothing 2 Nothing just farm to eat 1 OWN BUSINESS 18 OWN BUSINESS OF MAKING FRITTERS 1 OWN BUSSINESS 1 Operate a grocery 1 Own business 2 PARENTS 2 PART TIME JOB 2 PEASANT FARMER , HAND TO MOUTH 1 PEASANT FARMING 1 PIECE WORK 1 PIECEWORKING 1 PIECEWORKS 1 PRODUCE FROM FARM 1 Piece Works 3 Piece works 1 Potato farming 1 Pupil 1 RECIEVE MONTHLY PENSION 1 RELY ON CHILDREN 1 RENT A HOUSE ELSE WHERE 1 RESPONDENT DOES PIECE WORKS 1 RESPONDENTS DOES PIERCE WORKS 1 RUN A BUSINESS 1 RUN OWN BUSINESS 1 Rely From The Husband 1 Rely on selling livestock 1 Respondant refused to answer 1 SALARY FROM COMPANY 1 1 SALARY FROM THE SPOUSE 1 SAVINGS 2 SELF EMPLOYED... BRICK LAYER 1 SELF EMPLOYED/ ELETRICIAN 1 SELLING AT MARKET 1 SELLING CHARCOAL 1 SELLING CHARCOAL IN PLASTIC BAGS 1 SELLING DOORMATS 1 SELLING DRY FISH 1 SELLING LIVESTOCK 1 SELLING OF FOOD STAFFS EG TOMATOES 1 SELLING SHOES 1 SELLS GROCERIES 1 SPOUSE 3 STILL IN SCHOOL 1 Sale cosmetics 1 Sale of local brew 1 Sell dry fish 1 Sell something I have 1 Selling Fire wood 1 Selling Manganese 1 Selling beer 1 Selling firewood 1 Selling local beer 1 Selling of garden produces qnd farm produce 1 Selling of honey 1 Selling produce 1 Spots 1 Survive on handouts 1 THROUGH FARM 1 The person has no source of income. 1 They get money by sealing chacho 1 Through farming 2 Usually Children sponsers the respondents because they are too old. 1 VILLAGE BANKING 1 VOLUNTEER WORK 1 Vegetable seling 1 WORKS AS A SALES LADY IN A SHOP 1 Well wishers give me 1 Works for the Local senior Chief. 1 You have a stationery 1 a shop on rent and a baber shop 1 after selling farm produce 3 after selling farm products 1 after selling maize 1 after selling the fish 1 agricalture 1 am stil a dependant 1 am stil at school 1 am still in school 1 and retail business 1 as a cowcher dancer 1 assitance for government for old persons 1 baking 1 baking freetus 1 beer brewing and sunko 1 betting 1 betway football 1 bicycle hiring bussiness 1 boats making, fishing and cultivation 1 borrow from people 1 borrowing 2 borrowing for friends and family 1 brewing and selling local beer 1 brewing bear 1 brewing beer 2 brewing ilicity beer 2 brewing local beer 1 brewing of elicity beer 1 brewing of ilicicty beer 1 brick layer 1 brick laying 1 bricklayer 1 bricklaying and mechanics 1 brikailing 1 building 1 building and carpentry work 1 burn charcol 1 burning chaco 1 burning chaco and sell them 1 burning chacoal 1 burning charcaol 1 burning charcoal 3 business 58 business activities 1 business and borrowing 1 business and farming 1 business and pastors basket 1 business for selling fliters 1 business income 1 business money 1 business of charcoal 1 business of seling fritters 1 businesss 1 bussines 1 bussiness 5 bussiness iam taxi driver 1 bussiness man 1 bussiness. salon 1 buy and resell crops 1 buy fish to resale and cultivate rice 1 buy maize and beans for selling 1 buy selling goods at the market 1 buying clothes to resell 1 buying fish for resale 1 by borrowing 1 by digging tiny stones 1 by doing business 2 by doing piece work 1 by doing piece works at zampalm 1 by running a business 1 by selling alcohol ( katata) 1 by selling crops 1 by selling farm produce 1 by selling livestock 1 by selling livestock at times and by selling goods in the shop and farm produce 1 by tailing 1 capentery 1 capentry 1 car park business 1 catching fish BC and sell 1 catching fish from the river 1 chancing a progect and selling the commodities 1 charcoal burner 2 charcoal burnig 1 charcoal burning 5 charcoal burning and selling 2 chicken business 1 children 3 children and husband 1 children provide 1 collecting fire wood for the community 1 community teacher 1 construction 1 cutting and selling thatching grass 1 cutting trees 1 dad works 1 depend on family members 1 depend on mum 1 dependant 2 depended on ONO and comsave, but both were closed. 1 depends on my children 1 depends on wifes salary 1 distil beer 1 distilling beer 1 do business 1 do bussiness 1 do my own business 1 do not have a job 1 do not have an income 1 do not spend money 1 do own business 1 do peace works 1 do piece work 4 do piece work and farming 1 does nothing 1 doesn't work 1 doing business 5 doing business selling charcoal 1 doing bussiness 1 doing farming 2 doing piece work 1 dont do anything 1 dont get any money 1 dont get money 2 dont get money any more 1 dont get money causeam in school 1 dont get money,just receive food from the neighbour and clothes from the church 1 dont have income 1 dont have money 1 dont know 2 dont know. 1 dont spend money on anything 1 earnings from my business 1 everything is being given to this person by parents 1 faarmig 1 family 2 family gifts 1 family members 1 family members gives 1 family members provide money 1 family remmitances 1 family works 1 faming 2 farm 2 farm and sell yam and fish 1 farm piece work 1 farm produce 6 farm work 1 farm worker 1 farm works ana peaceworks 1 farmer 2 farming 194 farming (garden) 1 farming /livestock 1 farming and beer brewing 1 farming and business 1 farming and bussiness 1 farming and carpentry 1 farming and charcoal seller 1 farming and fishing 2 farming and gardening 1 farming and piece work 2 farming and piece works 1 farming and selling charcoal 1 farming business 7 farming for other people 1 farming just 1 farming only 1 farming produce 2 farming, chigayo 1 farming/fishing 1 farming/piece work 1 ffrom selling charcoal 1 finds money through the boyfriend 1 finshing 1 fish farming 1 fish hunting 1 fishing 50 fishing & burning charcoal 1 fishing & retail selling 1 fishing as well 1 fishing business 1 fishing from other people's nets. 1 fishing/farming 2 fishing/selling fish 1 food 1 food/ clothimg bussiness 1 former husband gives for up keep 1 1 from a business of millet 1 from business 3 from busnes 1 from bussiness 2 from children 2 from contract payments 1 from crops after selling 1 from daughter 1 from doing bussines 1 from doing part time jobs 1 from family 1 from family members 3 from farm produce 4 from farmig 1 from farming 24 from farming and burning of charcoal 1 from farming and business 1 from farming and piece work 1 from farming and piece works 1 from farming but produce is for home concuption 1 from farming. 1 from fishing 5 from fishing and selling pigs 1 from gadian 1 from garden 1 from generous people 1 from harvest 1 from her business 1 from house rental 1 from husband 2 from livestock 1 1 from my brother 1 from my business 2 from my family 1 from my farm 3 from my farm produce 4 from my guardian (uncle) 1 from my husband 5 from my parent 1 from my parents 2 from my spouse 1 from our business 1 from our farm 1 from own business 1 from own farm produce 2 from parents 6 from partime job 1 from rentals 1 from salaries 1 from sales of charcoal 1 from sellig farming produce 1 from selling farm field produce(maize and vegtables) 1 from selling farm products 1 from selling fish 1 from selling fishing 1 from selling maize 1 from selling salaula 1 from she babershop she owns 1 from solwezi savings group and a village back 1 from spouse 2 from the business 1 from the clothes i sell 1 from the father 1 from the garden that i have 1 from the goverment 1 from the harvest 1 from the hummer meal 1 from the shop 2 from work national park 1 full time house wife. 1 garden 1 gardening 7 gardening and farming 1 gardening produce 1 gardening/farming 1 get from fishing 1 get from mum 1 get from my mother. 1 get help from family members 1 get help from the community and also children help out when they do some work 1 get money from tailoring 1 gets from her own house 1 gets money from paying farm produce 1 given 1 given by daughter 1 given by mother 1 given by parents 1 given money by her husband 1 glocery shop 1 growing vegetables 1 grows at the backyard tomatoe and onion for sale 1 had a business but its gone down 1 hadir dresser 1 hair dresser 1 hair dresser and tailouring 1 hair dressing 1 hair plaiting 1 hair plating 1 hand craftwork 1 have a small business 1 have got a solon 1 haven't gotten paid yet 1 he does get money from selling millet & charcoal 1 he does piece works 1 he has been sick so he depends on the wife 1 he sold crops e.g maize 1 he works for it from his parents 1 help from family members 1 house rent 1 house rentals 1 house wife 2 house wife just 1 hubby gives her money 1 husband 6 husband provide 1 husband provides 2 husband work 1 hustle in town 1 i am given by my husband 1 i am usually given by my parents 1 i do bussiness 1 i do part time work and bussiness 1 i do peace work 1 i don't get money 1 i dont get money 1 i dont have any source of income 1 i dont work 1 i get from my husband 1 i just do householdchores 1 i just know that is to save 1 i make bricks 1 i never have money 1 i only have money when my sons send money for me 1 i sell chickens in the farm 1 i sell fish 1 i sell maize,millet & goundnuts 1 i sell some tomatoes & chacoal 1 iam usually given by my parents 1 if shes selling and has capital 1 illicit beer sale(kachasu) 1 im a school pupil 1 income from bussiness 2 income from grocery shop 1 invalidity benefits from Napsa 1 is retarded doesn't earn any income 1 it is given to me 1 its because l have been sickling 1 just a worker 1 late husbands pension 1 life is tough 1 life pension 1 livestock 1 local beer brewing 2 make mud bricks 1 makes bricks 1 makes chacoal 1 makes money through gardening 1 making beer 1 making farming 1 making houses 1 making traditional mats 1 manage the Hammermil 1 manufacture home polish 1 marketeer selling foods staffs .eg kapenta 1 marketeering , food staffs 1 member of longrich 1 member of the household 1 ministering 1 moding blocks 1 mom takes care of me 1 money from bussiness 1 money from farming 1 money given by husband 1 money given to her by husband 1 money given to me by husband 1 money is hard to find we eat our farm produce 1 monthly pension fund 1 mother do provide 1 my business 1 my children gives me money 1 my children gives me money every month 1 my children send me money 1 my husband 1 my husband gives me when he has 1 my husband's business 1 my mother provides for me 1 my parents 1 my parents give me 1 my parents gives me money 1 my sons income 1 no ecconomic activity to earn money 1 no income 1 no need 2 no one to get from 1 no other means apart from farming 1 no source of income 1 no where just farming 1 no where to find 1 no where to get the money 1 no where(-school child) 1 non applicable as respondent chosen is a dependant 1 non, am schooling 1 none 11 none apart from farming 1 not applicable 4 not in school 1 not working 1 not working still in school 1 nothing 2 nothing am a sick person 1 nothing apart from farming 1 nothing as at now 1 nowhere 1 nowhere. 1 oconseta 1 old age 1 order veggies to sell 1 orders and sell bananas, rape and tomatoes 1 other means 1 own a shop 1 own bisiness 1 own business 28 own bussiness 1 own small business 1 owns internet caffe 1 parents 6 parents and freinds 1 parents provide 1 part time business 1 part time driver 1 part time works 1 parttime job 1 pastor basket 1 payed in advance when i was walking 1 peace works 1 pension 1 pensions fund 1 personal bussines 1 piece work 29 piece work/farming 1 piece works 18 piece works and farming 2 piece. works 1 piecework 1 pieceworks 1 plait hair 1 plaiting and selling wigs 1 plaiting hair 1 poetry 1 processing kachasu 1 produce from my own garden 1 profit from bussiness 2 radio and phones repairing 1 raering of chickens 1 rebuild trailers gor trucks 1 recuseritoin emapso 1 refrigeration services 1 relies on husband 1 rely on busines 1 rely on business 1 rely on business and farming 2 rely on farming 1 rely on parents 1 rent my house 1 rent out houses 1 rentals from tenants 1 rentel 1 repair phones 1 respondent is a dependant 1 respondent is dependent 1 restaraunt business 1 retail selling of chacoal 1 retail selling of clothes 1 retail selling of food stuff 1 retailing in rice 1 revenue from farm products 1 revenue from plots 1 run my own bussiness 1 run own business 1 run own bussiness 1 running a business 1 running business 1 running own business 3 running small business 1 runs her own business 1 runs own business 1 runs small business part time 1 salaries 1 salaries and wages from part time jobs 1 salaries from employment 1 salary 2 salary and business 1 salary from international institution 1 salary from the school (government salary) 1 sale agricultural products 1 sale crops like maize 1 sale from farm produce 1 sale from piece of land 1 sale munkoyo and vriters (Vitumbuwo) 1 sales beans and vegetables 1 sales charcoal 1 sales food 1 sales from the harvest they produce 1 sales vitenge, mbale and cups 1 saling charcoal 1 saved monies 1 savings 2 scrap metal business 1 sealing tomato 1 self employed 2 seling charcoal 1 seling charcol 1 sell charcoal 3 sell charcol 1 sell chickens 1 sell chickens and goats 1 sell chips (business) 1 sell cows 1 sell farm crops 1 sell farm produce 1 sell fish 1 sell goats 1 sell goods 1 sell land 1 sell livestocks 1 sell mainze 1 sell maize 1 sell of livestock 1 sell of things at the market 1 sell something intended for that purpose 1 sell vegetables 1 sell vegetables and maize 1 selling 1 selling .popcorns and groundnuts (Marketeer) 1 selling at the market 1 selling bananas 1 selling beer 3 selling beer (business) 1 selling beer(self brewed) 1 selling cassava 1 selling cattle 1 selling chacoal 1 selling charcoal 5 selling chickens 1 selling clothes 1 selling cloths 1 selling crop 1 selling farm produce 11 selling farming produce 4 selling fish 8 selling fish and farming 1 selling fried fish 1 selling frighters 1 selling goats and chickens 1 selling honey/farming 1 selling livestock 3 selling livestock /farm produce 1 selling local beers 2 selling maize at the end of farming season 1 selling merchandise on the street 1 selling mukoyo 1 selling of chacoal and selling farming inputs 1 selling of chikens 1 selling of clothes 1 selling of laptop bags 1 selling of tamatoes 1 selling of various goods 1 selling of vegitables 1 selling old things 1 selling own grown vegetables and sugar canes 1 selling own little produced maize and groundnuts and others 1 selling rice 1 selling scons 1 selling some fritters 1 selling station 1 selling timber 1 selling tomatoes 4 selling tradition beer 1 selling traditional mats 3 selling vegatables 1 selling vegetables 2 selling woods 1 sells beer 1 sells fibres collected from bush 1 sells groundnuts to source money and beans 1 she conducts her own small businesses 1 she does family work and unpaid. 1 she does own business 1 she does sold crops e.g maize, cassava and beans 1 she gets it from her mother 1 she had a tomatos garden were she use to sell and earning 1 she is still at school 1 she sold crops 1 shoe busines 1 shop 1 shop business 1 shop run by wife 1 small business 2 small businss 1 small farming 1 small scale business 1 sold charcoal. 1 sold livestock 1 someone gives me money 1 someone take my expercies 1 sometimes sale remaing crops from field 1 stationery business 1 still at school 3 still at school i have no income 1 still waiting for the council to pay me 1 stone deller 1 studying in school. 1 subsistence farmer 1 support from family 1 tailor 1 tailoring 2 teaching at a private school 1 the husband provides 1 they pay for my expenses 1 through 1 through business 5 through bussiness 1 through bussiness and farming 1 through charcol burnning 1 through chicken business 1 through farming 16 through farming and children do support him 1 through farming and fishing 1 through farming cassava and making charcoal 1 through farming that is selling farm produce 1 through farmining 1 through fishing 3 through gardening 1 through gifts 1 through growing vegetables 1 through making charcoal 1 through peace works 1 through peaceworks 1 through piece work 2 through rentals 1 through sale various goods at the market (marketeer) 1 through selling crops. 1 through welding 1 too old to work 1 tradional healer 1 vegitable seling 1 volunteer work money 1 wages 1 waiting for husband to get paid 1 washing cloths 1 welding 1 when dady gives me 1 when i sell crops 1 work as a bus driver 1 work hard do piece work 1 working as an agent 1 working as bus driver 1 working for other people 1 D.3.2.1. How often do you receive the money you get from Salaries / wages from a 1320 11461 1 Daily 41 2 Weekly 68 3 More than once a month but not weekly 25 4 Monthly 335 5 Every 2 months 21 6 Annually 323 7 Seasonally 398 8 Occasionally - no particular schedule 86 9 Upon completion of job 13 10 Other 10 Sysmiss 11461 D.3.2.2. How often do you receive the money you get from Salaries / wages from a 294 12487 1 Daily 14 2 Weekly 25 3 More than once a month but not weekly 8 4 Monthly 193 5 Every 2 months 4 6 Annually 6 7 Seasonally 7 8 Occasionally - no particular schedule 29 9 Upon completion of job 7 10 Other 1 Sysmiss 12487 D.3.2.3. How often do you receive the money you get from Salaries / wages from a 1505 11276 1 Daily 310 2 Weekly 161 3 More than once a month but not weekly 67 4 Monthly 678 5 Every 2 months 14 6 Annually 26 7 Seasonally 82 8 Occasionally - no particular schedule 132 9 Upon completion of job 30 10 Other 5 Sysmiss 11276 D.3.2.4. How often do you receive the money you get from Salaries/wages from gov 437 12344 1 Daily 2 2 Weekly 1 3 More than once a month but not weekly 4 4 Monthly 414 5 Every 2 months 3 6 Annually 2 7 Seasonally 3 8 Occasionally - no particular schedule 6 9 Upon completion of job 1 10 Other 1 Sysmiss 12344 D.3.2.5. How often do you receive the money you get from Money from trading/sell 3706 9075 1 Daily 360 2 Weekly 362 3 More than once a month but not weekly 150 4 Monthly 314 5 Every 2 months 102 6 Annually 645 7 Seasonally 1176 8 Occasionally - no particular schedule 556 9 Upon completion of job 28 10 Other 13 Sysmiss 9075 D.3.2.6. How often do you receive the money you get from Money from providing a 345 12436 1 Daily 133 2 Weekly 61 3 More than once a month but not weekly 15 4 Monthly 62 5 Every 2 months 1 6 Annually 0 7 Seasonally 8 8 Occasionally - no particular schedule 47 9 Upon completion of job 15 10 Other 3 Sysmiss 12436 D.3.2.7. How often do you receive the money you get from Piece work/Casual labor 2334 10447 1 Daily 188 2 Weekly 308 3 More than once a month but not weekly 108 4 Monthly 368 5 Every 2 months 56 6 Annually 55 7 Seasonally 190 8 Occasionally - no particular schedule 669 9 Upon completion of job 386 10 Other 6 Sysmiss 10447 D.3.2.8. How often do you receive the money you get from Rental income? 139 12642 1 Daily 1 2 Weekly 3 3 More than once a month but not weekly 3 4 Monthly 113 5 Every 2 months 10 6 Annually 1 7 Seasonally 3 8 Occasionally - no particular schedule 0 9 Upon completion of job 1 10 Other 4 Sysmiss 12642 D.3.2.9. How often do you receive the money you get from Interest from savings, 30 12751 1 Daily 1 2 Weekly 3 3 More than once a month but not weekly 0 4 Monthly 10 5 Every 2 months 4 6 Annually 8 7 Seasonally 2 8 Occasionally - no particular schedule 1 9 Upon completion of job 0 10 Other 1 Sysmiss 12751 D.3.2.10. How often do you receive the money you get from Pension? 27 12754 1 Daily 0 2 Weekly 0 3 More than once a month but not weekly 0 4 Monthly 25 5 Every 2 months 1 6 Annually 0 7 Seasonally 0 8 Occasionally - no particular schedule 0 9 Upon completion of job 0 10 Other 1 Sysmiss 12754 D.3.2.11. How often do you receive the money you get from Social welfare money/g 78 12703 1 Daily 1 2 Weekly 0 3 More than once a month but not weekly 3 4 Monthly 15 5 Every 2 months 9 6 Annually 12 7 Seasonally 7 8 Occasionally - no particular schedule 28 9 Upon completion of job 0 10 Other 3 Sysmiss 12703 D.3.2.12. How often do you receive the money you get from Rely on someone else/o 1084 11697 1 Daily 43 2 Weekly 61 3 More than once a month but not weekly 62 4 Monthly 371 5 Every 2 months 43 6 Annually 24 7 Seasonally 77 8 Occasionally - no particular schedule 387 9 Upon completion of job 4 10 Other 12 Sysmiss 11697 D.3.2.13. How often do you receive the money you get from Don?t get money ? some 267 12514 1 Daily 6 2 Weekly 18 3 More than once a month but not weekly 14 4 Monthly 74 5 Every 2 months 7 6 Annually 2 7 Seasonally 24 8 Occasionally - no particular schedule 87 9 Upon completion of job 7 10 Other 28 Sysmiss 12514 D.3.2.14. How often do you receive the money you get from Other, specify? 1512 11269 1 Daily 207 2 Weekly 161 3 More than once a month but not weekly 75 4 Monthly 266 5 Every 2 months 31 6 Annually 128 7 Seasonally 257 8 Occasionally - no particular schedule 211 9 Upon completion of job 45 10 Other 131 Sysmiss 11269 D.3.2.14_S. Specify your ways of getting money. 131 0 "none" 1 AFTER 6 MONTHS 1 At school 1 DO NOT WORK 1 Dont earn any money at all, "am just a dependant". And there is no where to get money 1 HAS NO ACCESS TO MONEY 1 I DONT GET ANY MONEY 1 I DONT RECEIVE ANY MONEY 1 I dont get 1 IT DEPENDS 1 Just for home use 1 NO MONEY 1 NON OF THE ABOVE 1 No one to help 1 No where to get the money 1 Not always 1 Not applicable 1 Not on a salary 1 QUARTERLY 1 Respondant refused to answer 1 SAVINGS FROM BUSINESS 1 TWICE EVERY MONTH 1 The person has no source of income. 1 after he sold some crops 1 after months sometimes a year 1 after selling crops. 1 child provides 1 dependant 1 do not have an income 1 do not have any income 1 does not receive money from any 1 does not receive money from anyone 1 don' get any income 1 dont 1 dont get any money 2 dont get momey 1 dont get money 1 dont know 1 dont receive 3 dont receive any money 1 dont receive from anywhere 1 dont receive money 2 dont receive money but food 1 dont recive money 1 every after three months 1 every year 1 family business do it for free 1 farming 1 from family 1 from my means 1 from selling crops 1 i dont get anything 1 i dont get money 1 i dont get money im still at school 1 i dont have any source of income 1 i dont receive any money 1 i dont receive money from other we just do business 1 i use my maize for food only 1 it dependes on the capital found 1 it depends 1 it depends with how many customers 1 its hard to find money 1 maybe when he gives me 1 money is hard to find 1 money is hard to find.i dont have money 1 never 2 never have money 1 never receives money 1 never receives money from anyone 1 never receives money from anyone person apart from the husband 1 never recieve.. 1 never recive money 1 no ecconomic activity 1 no income 1 no need 3 no one gives her any money 1 non applicable 1 non, am schooling 1 none 12 none. 1 not applicable 6 not at all 1 not regularly,whenever neighbours can help 1 nothing 3 once 1 once a year through farming 1 once per year 1 once she sell her crops 1 once she sold her crops. 1 once we run out of food 1 parents 1 produce is for home consumption 1 run my on business 1 school child 1 seasonal 1 selling vegetables 1 she does not get paid and she is just rely on her 1 still at school 2 studying in school. 1 upon complexion of beer brewing 1 upon making a sell 1 when ever he has 1 when ever he has or can give 1 when i sell fish 1 when the business makes a sell 1 D.3.3.1. How do you usually receive the money you get from Salaries / wages from 1320 11461 1 Cash in hand 1174 2 Into a bank account 94 3 On your phone 43 4 Through a money transfer service such as Western Union, Mone 0 5 Other 9 Sysmiss 11461 D.3.3.2. How do you usually receive the money you get from Salaries / wages from 294 12487 1 Cash in hand 256 2 Into a bank account 21 3 On your phone 15 4 Through a money transfer service such as Western Union, Mone 0 5 Other 2 Sysmiss 12487 D.3.3.3. How do you usually receive the money you get from Salaries / wages from 1504 11277 1 Cash in hand 1166 2 Into a bank account 296 3 On your phone 32 4 Through a money transfer service such as Western Union, Mone 2 5 Other 8 Sysmiss 11277 D.3.3.4. How do you usually receive the money you get from Salaries/wages from g 437 12344 1 Cash in hand 50 2 Into a bank account 381 3 On your phone 5 4 Through a money transfer service such as Western Union, Mone 0 5 Other 1 Sysmiss 12344 D.3.3.5. How do you usually receive the money you get from Money from trading/se 3705 9076 1 Cash in hand 3625 2 Into a bank account 40 3 On your phone 30 4 Through a money transfer service such as Western Union, Mone 1 5 Other 9 Sysmiss 9076 D.3.3.6. How do you usually receive the money you get from Money from providing 345 12436 1 Cash in hand 313 2 Into a bank account 14 3 On your phone 15 4 Through a money transfer service such as Western Union, Mone 0 5 Other 3 Sysmiss 12436 D.3.3.7. How do you usually receive the money you get from Piece work/Casual lab 2334 10447 1 Cash in hand 2285 2 Into a bank account 15 3 On your phone 29 4 Through a money transfer service such as Western Union, Mone 0 5 Other 5 Sysmiss 10447 D.3.3.8. How do you usually receive the money you get from Rental income? 139 12642 1 Cash in hand 115 2 Into a bank account 9 3 On your phone 14 4 Through a money transfer service such as Western Union, Mone 0 5 Other 1 Sysmiss 12642 D.3.3.9. How do you usually receive the money you get from Interest from savings 30 12751 1 Cash in hand 17 2 Into a bank account 9 3 On your phone 3 4 Through a money transfer service such as Western Union, Mone 1 5 Other 0 Sysmiss 12751 D.3.3.10. How do you usually receive the money you get from Pension? 27 12754 1 Cash in hand 2 2 Into a bank account 24 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 0 5 Other 1 Sysmiss 12754 D.3.3.11. How do you usually receive the money you get from Social welfare money 78 12703 1 Cash in hand 73 2 Into a bank account 2 3 On your phone 0 4 Through a money transfer service such as Western Union, Mone 2 5 Other 1 Sysmiss 12703 D.3.3.12. How do you usually receive the money you get from Rely on someone else 1084 11697 1 Cash in hand 916 2 Into a bank account 10 3 On your phone 127 4 Through a money transfer service such as Western Union, Mone 5 5 Other 26 Sysmiss 11697 D.3.3.13. How do you usually receive the money you get from Don?t get money ? so 267 12514 1 Cash in hand 217 2 Into a bank account 3 3 On your phone 14 4 Through a money transfer service such as Western Union, Mone 0 5 Other 33 Sysmiss 12514 D.3.3.14. How do you usually receive the money you get from Other, specify? 1512 11269 1 Cash in hand 1302 2 Into a bank account 41 3 On your phone 56 4 Through a money transfer service such as Western Union, Mone 1 5 Other 112 Sysmiss 11269 D.3.4. On which of these sources do you rely most to cover your expenses? 1566 11215 1 Salaries / wages from a farm (farm worker) 157 2 Salaries / wages from an individual/household e.g maid, gard 29 3 Salaries / wages from a private company / business other tha 162 4 Salaries/wages from government/parastatal 56 5 Anything you produce/grow/raise/make/collect/buy with the in 567 6 Money from providing a service ? i.e. such as transport, hai 45 7 Piece work/Casual labor/Occasional jobs 242 8 Rental income 26 9 Interest from savings, investments, stocks, unit trusts etc. 6 10 Pension 8 11 Social welfare money/grant from Government 3 12 Rely on someone else/others to give/send me money 157 13 Don?t get money ? someone else pays my expenses 108 14 Other, specify 0 Sysmiss 11215 D.3.4_S. Specify which source you rely on most to cover your expenses. 81 0 Anyhting that comes our way 1 BUSINESS 1 Beer brewing( Local) 1 Business 1 Cutting and Selling thatching grass 1 Family & friends 1 Farm produce sold Simetimes 1 Farming and gardening 1 From family 1 Gardening 1 Local brewing( beer) 1 SELLING DOORMATS 1 SUPPLING TO TIMES OF ZAMBIA 1 Savings 1 Selling firewood 1 Stationery 1 burning chaco 1 burning charcoal 1 business 1 buying maize and beans for selling 1 carpark business 1 catching fish 1 charcoal burning 2 charcoal burning and selling 1 community teacher 1 dont have money related expenses 1 family 1 farming 10 farming activities 1 farming and fabrication works 1 fishing 12 from our business 1 hair dresser 1 husband provision 1 livestock 1 maize selling 1 money from husband 1 money rentals 1 none 1 not sure 1 own business 4 piecework 1 rental money 1 sale from farm produce 1 salling vitumbuwa 1 sell fish 1 selling beans and vegetables 1 selling beer 1 selling charcoal 1 selling charcol 1 selling farm produce 1 selling flitters 1 selling livestock 1 selling plates and traditional wrappers 1 selling talktime 1 selling tomatoes 1 the business 1 D4. Do you work full-time, part-time, seasonally or once in a while/from time to 3420 9361 1 Full-time 1667 2 Part-time 628 3 Seasonally 808 4 Once in a while/from time to time 317 Sysmiss 9361 D5. You said you get money from selling things ? what kind of things do you MAIN 4567 8214 1 Crops/produce you grow 3233 2 Products I get from livestock 35 3 Livestock 125 4 Fish you catch yourself/aquaculture 256 5 Things you buy from others ? agricultural products 163 6 Things you buy from others ? non-agricultural products 478 7 Things you make (clothes, art, crafts) 69 8 Things you collect from nature (stones, sand, thatch, herbs) 49 9 Things you process (honey, dairy products, flour) 159 10 Other, specify 0 Sysmiss 8214 D5_S. Specify other things you MAINLY sell (get most money from)? 114 0 BREWED MUNKOYO 1 Brewing local beer 1 CAPENTRY 1 CHACOAL BURNING 1 CHARCOAL 3 Chacoal burner 1 Charcoal 7 Crops and Livestock. 1 Cuts timber 1 FRITTERS 1 Farming 1 Fishing 1 GROW VEGETABLES 1 Gardening 1 Grocery Shop 1 He does tax returns 1 Making charcoal 1 PARAFFIN 1 Piece work 1 Poultry 1 Produces and sells charcoal 1 SCRAP METAL SELLING 1 1 SELLING COOKING OIL AND DIESEL 1 SELLING MUNKOYO 1 Selling Reed Mats 1 Selling Reed mats 1 Selling i Buy 1 TAILORING 1 Talktime 1 Things I sell 1 agro imputs eg seeds fertilizer 1 assorted items such as sugar, soap. 1 beer 1 beer brewing 1 bottle store 1 brew beer 1 brews beer (kachasu) 1 building materials 1 buliding and sell 1 buying fish 1 chacoal 1 chacoal burning 1 charchoal 1 charcoal 7 charcoal burners 1 charcoal burning 6 charcool 1 chikanda 1 electronics, repair and acquistion 1 farm produce 1 fish mongering 1 from crops and livestock 1 from the shop 1 from the shop i own 1 gardening produce like onion, tomato, etc. 1 gloceries 1 groceries 3 i sell charcoal 1 make and sell beer 1 marketeer 1 order fish 1 ordering fish and later selling 1 own produced charcoal 1 piece works 1 poutry 1 produce and sell charcoal 1 salaula 1 secondhand clothes 1 seling beer 1 seling of food stuff such as mukoyo and fritters 1 sell traditional drink(munkoyo) 1 selling cars 1 selling charcoal 3 selling fire wood 1 selling fish 1 selling fish and rice 1 selling goods 1 selling local beer (kacasu) 1 selling local beers 1 selling of fritters and drinks 1 selling of grass brooms 1 selling reeds 1 selling tomatoes 1 sells kachaso 1 shoes 1 things i collect from nature like( grass) 1 traditional beer 1 vegtables 1 vitenges,charcoal 1 wood products 1 D6. You said you get money from providing a service ? what kind of services do y 344 12437 1 Personal services (hairdressers, massage, etc.) 126 2 Telecommunications/IT 4 3 Financial services e.g. Moneylender, mobile money agent 4 4 Transport 40 5 Hospitality ? Accommodation, restaurants, etc. 52 6 Information/research 2 7 Technical ? mechanic, etc. 22 8 Educational/child care 3 9 Other, specify 91 Sysmiss 12437 D.6_S. Specify what kind of service you mainly provide. 91 0 BAKING CAKES 1 BRICK LAYER 1 BUSINESS 1 BUYING AND SELLING MAIZE GRAINZ 1 Bicycle repairing 1 Brick laying 1 CAPENTRY 1 HAIR DRESSING SALOON 1 Health care 1 I AM A DRIVER 1 PROCESSING AND PRODUCING TRADITIONAL DRINK 1 RETAIL TRADE IN GROCERIES 1 Retail trading in Groceries 1 SELLING CHARCOAL AND DONDOS 1 SELLING MUNKOYO 1 Selling beer 1 Vegetable selling 1 WE HAVE A KANTEMBA 1 bakery 1 botique 1 brewing local beer 1 brick layer helper 1 brick laying 1 briclayer\\ builder 1 business 1 buy beans and caterpillars for resale 1 buy vegtables in order to resale 1 catering 1 charcoal 1 cooks and sales 1 credit kaloba to people 1 dish instalation 1 doing business saleing cassava 1 driver 1 entertainment and recreation 1 fishing 1 grocery store 1 hair dressing 2 i sell beer 1 i sell scons 1 make beer 2 make fliters and munkoyo 1 making axes, hoes and braziers 1 making beer 2 making beer and selling 1 making doormats 1 mechanic 1 own business and piece works 1 own bussiness vitumbowa 1 painting 1 pastoral services 1 pay slow business of selling chitenge materials 1 photographer 1 provides groceries 1 putting people nails 1 refreshments. 1 running a bar 1 running a shop 1 1 seling beer kachaso 1 sell chikanda 1 sell food stuffs 1 selling airtime 1 selling assorted groceries 1 selling beer 1 selling chikanda 1 selling food staff 2 selling food stuff 1 selling fresh cassava tubers 1 selling kapeta 1 selling mealie meal 1 selling munkoyo 1 selling munkoyo and frizit to people 1 selling of food staff 1 selling of fuel/petrol 1 selling roasted cassava and fried groundnuts 1 selling roasted maize 1 selling snacks 1 selling vegatables and tomatoes 1 shop for hair cutting 1 sowing clothers 1 supply of salt 1 tailoring 2 timber cutting 1 transportation 1 weilding services 1 D7_TOT. How many people other than yourself do you employ in Total? 44 12737 0 30 1 2 2 5 3 2 4 1 7 2 10 2 Sysmiss 12737 D7_FT. How many people other than yourself do you employ on Full-Time? 44 12737 0 35 1 1 2 3 3 2 4 1 5 2 Sysmiss 12737 D7_PT. How many people other than yourself do you employ on Part-Time? 44 12737 0 34 1 1 2 4 3 2 4 1 5 1 10 1 Sysmiss 12737 D8. Who do you mainly sell your goods/services to? 44 12737 1 Government 4 2 Co-operative 3 3 Organisations such as schools, hospitals, NGOs 0 4 Wholesaler 0 5 Neighbors/public 34 6 Processor 0 7 Other retailers 3 8 Middlemen 0 9 Other, specify 0 Sysmiss 12737 D.8_S. Specify who you mainly sell your goods/services to. 0 0 D9. You said that you rely on others for money or to pay your expenses. Who do y 1662 11119 1 Household member (e.g. spouse, parent/child/other relative) 1452 2 Relative/family who is not part of the household 147 3 Someone who is not part of the household and who is not a fa 43 4 Other, specify 20 Sysmiss 11119 D.9_S. Specify who you rely on mostly. 20 0 AKA BOBA 1 FAMILY MEMBERS 1 all my expenses are paid for by my parents 1 boyfriend 1 business 1 husband 3 my children 1 my grandmother 1 my husband 2 none 1 not on any thing 1 parents 1 parents in rural 1 sister 1 spouse 1 the united nations 1 we do business 1 D.10. For your farming/fishing activities, you need things like farming equipmen 3132 9649 1 I do not use any inputs for farming or fishing activities 1 363 2 I don?t have to buy because I manage with what I have alread 341 3 I have money to buy it, I use money from other sources of in 93 4 Use savings I have 383 5 I sell some of my crops and use the money 1518 6 I sell some of my livestock and use the money 82 7 I sell products like milk, eggs that I get from my livestock 12 8 I sell something I collect from nature (e.g. thatch, wood) t 31 9 I do piece work to get money to buy it 77 10 I get it in exchange for work I do 5 11 I get it from a buyer to whom I have to sell my crop, livest 53 12 I get from a supplier or distributor and pay later 6 13 I get a loan from a bank 0 14 I get a loan from a microfinance institution like Bayport 0 15 I get a loan from a microlender like Easy Cash 0 16 I get a loan from a savings and credit cooperative (SACCO) 1 17 I get a loan from a farmers? association 2 18 I borrow from a community/savings group where we save and le 4 19 I borrow from a moneylender e.g. Kaloba,shylock 2 20 I get goods in advance from an agricultural buyer 1 21 I get goods in advance from a farmers organisation 5 22 A Government agency gives them to me or subsidises the cost 31 23 A Non-Government Organisation (NGO) or community based organ 5 24 A relative or friend gives them to me or gives me money to b 49 25 A relative or friend takes a loan to buy them for me 4 26 Other specify 64 Sysmiss 9649 D.10_S. Specify where you mainly get the money for these things. 64 0 Buys from farmer with VOUCHERS From corperative 1 Did not borrow 1 Did not buy any 1 Do not apply 1 Do not buy 1 GOVERNMENT 1 He dont have any source where to get money 1 I dont afford to acquire them 1 I exchange My products for service delivery 1 Nothing 1 Nowhere since he dont have money to buy these prod 1 Someone else buys 1 borrow some money from friends and family 1 borrowing from people 1 business 1 by selling fish 1 by selling fritass and alchool 1 by selling garden produce like onion 1 catching fish 1 chilbdren not part of household 1 do produce charcoal for sale to raise money 1 does fishing production to raise the money 1 dont buy 1 dont buy any of these 1 dont do farming 1 farming 2 from my salary 1 from other business 1 from the farm 1 get after selling fish 1 get from the same buseniss money 1 i do piece works 1 i don't aply fertiliser 1 i don't buy as my parents do 1 i dont do fish farming 1 i dont do such type of farming 1 i dont farm 1 i get from a suppler or distributor and pay 1 i get from the renters 1 i just keep seeds 1 i only cultivate maize and cassava 1 i sale vegetables 1 i use the money i get from selling farming produce 1 i use the money which i kept aftet selling crops 1 money from farming 1 my farming only involves maize and cassava 1 my husband buys and gives it to me 1 my husbsnd pays for imputs 1 no where preserve some crops to use next season 1 once i sale the crops then i go buy farming imputs 1 pineaple farm 1 preserve some crops to use next for farming 1 salary 1 salary from community teacher 1 savings from farm produce 1 selling fish 3 selling of maize 1 sells fish by cash and latter buy the needed items 1 the profit i get from selling fish 1 use money from salary 1 vegetables only 1 D.11. You said that you get money from a household member/someone in the househo 2511 0 A 675 AB 52 ABC 2 ABD 1 AC 24 AD 5 B 1119 BC 6 BD 40 C 289 CD 13 D 285 D.11_S. Specify who gives you money/pays your expenses? 348 0 AUNT 1 Aunt 4 Auntie 1 Aunty 1 Aunty and Uncle 1 BOY FRIEND 1 BROTHER 6 BROTHER IN LAW 1 BROTHER OR SISTER 3 BROTHERS 1 Big Sister 1 Brother 9 Brother and Sister 1 Brother in law 1 Brother inlaw 1 Brothers 2 CHILDREN/GRANDCHILDREN/OTHER RELATIVES 1 CHURCH 2 COUSIN 2 Children 1 Cousins 1 ELDER BROTHER, NEPHEWS, SISTERS ETC 1 ELDER SISTER 1 FATHER OF CHILD 1 FIENCE 1 FRIENDS 2 FRIENDS/OTHER RELATIVES 1 Family members outside the household 1 Father and Mother 1 Friend 2 Friends and family members 1 GRAND CHILDREN 1 GRAND MOTHER 2 GRAND PARENTS 1 GRANDMA 1 GRANDMOTHER 1 GRANDPARENT 1 Grand Pa 1 Grand daughter 1 Grand father 1 Grand mother 2 Grandparent 1 Guardian 1 His Aunty 1 Husband 1 IN LAWS 1 My brother 1 My cousin 2 NEPHEW 1 Neighbour 1 OTHER RELATIVES 1 OTHER RELATIVES AND FRIENDS 2 Other family members 1 Parents who live elsewhere 1 RELATIVES 1 Relatives 1 Relavite 1 SIBILINGS 1 SIBLINGS 1 SISTER 2 Siblings 4 Sister 3 Sister in law 1 Sister/Brother 1 Siter/ gurdian 1 Son in_ law 1 UNCLE 4 Uncle 4 Untie 1 any well wishers 1 aunt 3 aunt in the household 1 aunty 1 basury 1 bother 1 boy friand 1 boy friend 1 broter 1 brother 32 brother and sister in law 1 brother in law 3 brother in_law 1 brother inlaw 2 brothers 5 brothers and sisters 2 brothers,sisters 1 business 1 children who are nolonger part of the household 1 chilimba group 1 church 1 church members 1 church ministries 1 church people 1 community and extended family 1 cousin 4 cutomers 1 dont pay for anything 1 elder brother 1 elder sister/ family member 1 family 1 family member outside the household 1 family members 1 farmily 1 freinds 1 friend 1 friends 4 friends and sisters 1 friendy 1 from my brother 1 from my inlaws 1 from the business 1 grand children 1 grand father 2 grand mother 9 grand mother/grand mother 1 grand parents 3 grandchild 2 grandchilld 1 grandfather 1 grandma 2 grandmother 4 grandparent 1 grandparents 1 grandson 1 grandson steward kainda 1 groundmom 1 have no expenses 1 himself 1 mother 2 my aunt 1 my big brother 1 my bother 1 my brother 2 my brother from other householder 1 my brother in law 1 my brother inlaw 1 my brother the one i stay with 1 my brother who I stay with 1 my brothers and sisters 1 my children 1 my elder sister 1 my family 1 my friend 1 my grandmother 1 my grandmother and grandfather 1 my nephew 1 my sister 3 1 my sister Elizabeth 1 my son 1 my uncle 1 my unlce 2 neice 1 nephew 1 not household member 1 older children living outside this household 1 older siblings 1 other Relatives 1 other family members 1 other relative 1 other relatives 4 parents 4 parents and relatives 1 piece work 1 relative (auntie) 1 relatives 5 rentals 1 rentals from the shop 1 seblings 1 self 1 sibling 1 siblings 1 siser and brother in law 1 sister 32 sister in law 1 sisters 1 sistet 1 small bussness 1 social cash transfer from the government 1 sons father 1 the church 1 the house head and my sisters 1 the un 1 uncle 13 villagers 1 we do business 1 wellwishers 1 young brother 1 D.12. I would like to get an idea of the total amount of money you get from ?. a 11162 1619 1 Month 6159 2 Year 2021 3 Have annual & monthly income 857 4 Don?t know amount for either 1675 5 Refused 450 Sysmiss 1619 D.14. On average, how much money do you get in a month? Please include money fro 6158 6623 0 120000 1558.929 3822.352 D.15. On average, how much money do you get in a year? Please include money from 2021 10760 0 528000 4204.68 17615.836 D.16. How often do you have money of your own that you use as you wish? Read out 12722 59 1 Always 959 2 Sometimes 10096 3 Never 1667 Sysmiss 59 D.17. EXCLUDING yourself, how many others depend on the money you get, including 1120 11661 0 80 3.841 5.536 D.18. What is the main reason why you don?t have money of your own? 1667 11114 1 Money goes into household expenses 628 2 Have to give my money to household member/family member 106 3 Don?t get an income 715 4 Other, specify 117 5 Refused to answer 101 Sysmiss 11114 D.18_S. Specify the main reason why you don't have money of your own. 110 0 "Am just a school boy". No source of income 1 AM YOUNG AND STILL GOING TO SCHOOL 1 BUSINESS HAS BEEN SLOW 1 DON'T WORK 1 DONT GET REGULAR INCOME 1 HOUSEHOLD AND FAMILY MEMBERS 1 I dont recieve any money from anyone 1 I have a small business 1 Is a dependant and a pupil 1 Old age cant work 1 RESPONDENT DOES SEASONAL BUSINESS. 1 TOO OLD TO WORK & CHILDREN DONOT SEND MONEY ON ?? 1 aged 1 all money goes to school 1 am always investing in the business 1 am schooling 1 am too old 1 because shes blind 1 business 1 business is hard 1 capital to continue to run to he business 1 cause l do not find money 1 children send me money 1 disability 1 disorderd .not able to do anything 1 do not have any dependable 1 do nt have enough money 1 does not have a job 1 doesnt work hence no desposable income 1 dont have dependants 1 dont have expenses 1 dont know where to get money from 1 dont work, take care of child 1 due to illness 1 due to less income that is earned 1 for school use 1 had a stroke cannot work 1 has many problems 1 have no permanent job 1 he is desabled 1 he is sick he dosent do anythiny 1 house wife 1 household expenses and giving parent money 1 i am old and blind cant work 1 i buy baby things 1 i didn't harvest well due to sickness 1 i do not get enough income 1 i do'nt work 1 i dont do anything apart from the monthly salary 1 i dont have a stable job its very hard to get an i 1 i dont have what to do 1 i dont work 1 i help alot of family members 1 i spend most of my money on school expenses 1 im blind i can't see 1 im old cant do anything 1 im old cant work or do anything 1 im sick and im a dependant 1 im still at school 1 im still in school 1 income is really low 1 income not enough 1 its diefficult to get person money 1 just depend on my parents 1 know business 1 l have been sick 1 lost my main business because of covid 19 1 money goes into business 1 money is always budgeted for something 1 money is always meant for something 1 money is hard to come by 1 money is hard to find 1 money is hard to find in the village 1 money is mostly ment for something 1 my expenses are paid for no need to have money 1 no income 1 no job 1 no piece work 1 no stable income 1 not getting enough 1 not working 1 nowhere to get money 1 old age 1 poor 1 pupil 1 recieves a good amount of money only once a year 1 school child 1 school going 1 she does nothing because she old enough 1 she has been unwell for over ten months 1 sometimes businees is slow 1 sometimes the boss doesn't have 1 still a depentant 1 still at school 3 still in school 3 still in school and dont have an income 1 still schooling 3 still schooling as a pupil 1 student 2 that when i gave birth 1 things are too expensive 1 unemployed 1 way of getting money is hard 1 1667 11114 1 Yes 240 2 No 1427 Sysmiss 11114 E.1. At this point in your life, which one of the following is MOST IMPORTANT to 12722 59 1 Putting food on the table 5450 2 Educating yourself or your family 3111 3 Improving your business/farm 1796 4 Developing your career 447 5 Buying household goods e.g. TV, refrigerator 148 6 Buying land/building or improving your house 665 7 Your health or that of your family 479 8 Other (SPECIFY) 265 9 Don't know 302 10 Refused to Answer 59 Sysmiss 59 E.1_S. Specify which is the most important to you. 265 0 "go to school and achieve his goal" 1 "he does not know" 1 BEER DRINKING 1 BEING ABLE TO PAY RENT 1 BUYING A HOUSE 1 BUYING CLOTHS 2 BUYING ROOFING SHEETS TO DEVELOP HOUSE 1 BUYING. CLOTHES THE REST I DEPEND ON MY AUNTIE 1 Being Looked After 1 Buy air time 1 Buying Livestock 2 Buying cattle 1 Buying clothes 1 Buying clothes for myself 1 Buying clothing and cosmetics 1 Buying fertilizer 1 Buying livestock 1 CLOTHES AND SOMETIMES FOOD 1 Clothes for her and her kids 1 Completing School. 1 DEPEND ON MY PARENTS 1 EDUCATION 1 Education 3 Everything is taken care of by parents 1 FIND A JOB 1 FINDING A JOB 2 FINISHING SCHOOL 1 FOR MAINTENANCE 1 Finding employement 1 Going to school 1 IMPROVING MY HEALTH 1 Im a dependant 1 Improving her life 1 Livestock stocking 1 Looking for land for farming 1 Looking for livestock to buy or sell 1 MY BROTHER PROVIDS FOR ME 1 MY PARENT DOES THAT FOR ME 1 Nothing 2 PERSONAL EXPENSES LIKE CLOTHS ,SOAP ETC 1 PUTTING A BOREHOLE 1 Planning to get a farm of my own 1 RENTALS 1 Raising her child 1 Right now just feeding my family 1 SCHOOL 1 SELF SUSTAINANCE AND ENTERPRENEURSHIP 1 STARTING BUSINESS 1 STARTING OWN BUSINESS 1 STAYING WITH PARENTS 1 Sch girl 1 Setting up a business. 1 She is just a dependant who relies on the parents 1 Starting a business 6 Starting oen business. 1 TO GO TO TETIARY SCHOOL 1 TO START A BUSINESS 1 Things that are lacking at that particular time 1 To pay ground rate 1 alchohol consumpution 1 am just being kept 1 bicycle 1 build a house 1 building 1 building a house 1 building a new house 1 building another house 1 business 3 but household commodities such as soap 1 buy a car 1 buy a plot 1 buy a wheelchair for mobility 1 buy clothing 1 buy farming imputs 1 buy fertilizer 1 buy hamermile build a house and other properties 1 buy livestock 4 buy lotion 1 buy machinary 1 buying a bicycle 1 buying a phone 1 buying a vehicle 1 buying animals,food on the table 1 buying clothes 7 buying clothes for children 1 buying cloths 2 buying cloths and uniforms 1 buying farm inputs 1 buying fertilizer 2 buying land. 1 buying livestock 1 buying lotions and talk time 1 buying more cattle 1 buying seeds for the next farm season 1 buying what she wants 1 buyinng farming imputs 1 can't tell as I'm still in school 1 career and improving the family 1 clothes 2 clothing 2 completing my education 1 depend on parent 1 dependant 1 does not do anything 1 dont have an income 1 dont work 1 drinking beer 1 educate the children 1 educating children 1 educating children and improving business 1 educating children,buying land,starting a business 1 educating my children 2 educating the children 1 education children 1 education for children 1 farming 16 farming equipments 1 fertilizer 3 finding a job 1 finding a source of income 1 finding money for business 1 finishing school 1 food 1 food for my kids 1 get drivers license 1 gloceries 1 going to school 2 growing maize 1 having money 1 help my husband to buy to food 1 helping family members 1 helping my mother 1 hospital (clinic) 1 i dont have responsibility 1 1 i would want to start a business 1 improving the Farm 1 invest in farming 1 just buying personal needs(clothes). 1 just started work 1 learning 1 look after the family 1 looking for a job 2 looking for employment 1 looking for work 2 medication for her husband 1 money 1 my familly provides 1 my family controls 1 my grand mother pays for me 1 my parents provide for me 1 no income 1 nothing 1 passing exams 1 payiing fir school fees 1 paying for childrens education 1 paying rent 1 paying tution fees 1 personal needs 1 personal use 1 personals 1 plot 1 rent 3 saving 1 saving to collect results 1 selling cigarrates 1 sending money to parents 1 start a business 5 start a bussiness 1 start business 2 start my own business 1 starting a business 13 starting a bussiness 2 starting a bussness 1 starting business 1 starting own business of hairdressing 1 starting up a busines 1 starting up a business 5 still at school 1 still not able to do things on my own 1 studying at school 1 thinking of starting up a business 1 to build his own house 1 to find a job 1 to get a license 1 to go and train as a soidier 1 to start a business 1 want to buy steal roofing sheets 1 want to start a business 1 was not sure 1 what is important to me is looking for a job 1 when am given by my parents 1 when i get employed 1 working hard to achieve my goal 1 E.2. Are you involved in your household?s financial decisions? By this I mean wh 12722 59 1 Respondent is involved 10202 2 Respondent not involved 2520 Sysmiss 59 E.3. Who would you go to if you needed financial advice? 12722 59 1 A household member 4206 2 5649 3 Employer 67 4 Bank 382 5 Microfinance institution such as Finca or EFC 20 6 Savings and credit cooperative (SACCO) 12 7 Farmers association 39 8 Pension advisor 6 9 Insurance advisor 6 10 Capital market operator (Stock broker, investment advisor) 3 11 Other Financial advisor/consultant 53 12 Business association 63 13 Chilimba member (s) 11 14 Savings group/savings group members 48 15 Village bank 30 16 Moneylender in community 10 17 Government official 64 18 Village elder/elder in community 84 19 Internet/online 11 20 Other specify 237 21 Would not ask anyone for advice 1220 22 Don?t know 501 Sysmiss 59 E.3_S. Specify who you would go to if you needed financial advice. 237 0 "none" 1 "she does go to her friend" 1 A brother 1 Any adult 1 At church 1 Aunty 1 Business men/women in town. 1 Church 1 Consultants 1 Corprative comiitee 1 DONT HAVE ANYBOBY TO HELP THEM FINANCIALLY. 1 District commisioner 1 Do not seek advise from anyone 1 Does not know if she has anyone she can go to 1 FAMILY MEMBER 1 FROM MY SISTER 1 GOES TO HIS BISHOP A CHURCH LEADER 1 Governmt ofricial 1 HUMAN RESOURCE AT WORK 1 Her aunty 1 Her son 1 His dad 1 His father 1 His work place 1 I sale something I have 1 I sale something like chickens 1 MTN MOBILE MONEY 1 MY BROTHER DOES EVERYTHING FOR ME 1 MY CHURCH 1 Myself 1 NATSAVE 1 NGO'S 1 NOWHERE 1 Neighbour 1 PARENTS 1 PASTOR 1 Parents 1 Pastor 1 Piecework 1 READ FINANCIAL BOOKS 1 RELATIVES 1 RELIGIOUS LEADER 1 RENT 1 Respondant doesnt have a person who advises him. 1 SAVING FROM THE BUSINESS 1 SPOUSE 2 School 1 Seat as family 1 Starting business 1 THE WIFE 1 The government 1 The respondant has no one in mind. 1 The uncle and friends 1 The village headman 1 VISION 1 a friend 2 a member of the community who is well learned 1 aged who dont need. advice 1 am still at school 1 any financial institution 1 any knowledgable other 1 any one specialised 1 asks someone stanbic bank 1 books, (laws of financial freedom) 1 booth 1 boy friend 1 business 1 business consultant 2 business men and women 1 business partner 1 business people 1 business persons 1 can go tho the district commissioner 1 cerible financial institution 1 cheif 1 church 6 church (congregation groups) 1 church groups 1 church members 1 church savings 1 council 1 do piece works 1 don't get advice from any one 1 dont ask anyone 1 dont get any advice 1 dont go anywhere 3 dont work 1 elder brother 1 elderly people 1 elders from elsewhere 1 employer 1 farming 1 father 1 fellow bussiness men 1 fishing 1 forman 1 friend 1 from children 1 from my parents 1 from my piece works 1 from my son 1 from work place 1 goes to FNB bank 1 goodfellow 1 google 1 govement house 1 government 1 government worker 1 headman 1 her mother 1 household member 1 i can go to the head man 1 i can sell my livestocks am keeping 1 i dont borrow 2 i dont go any where 1 i dont work so no need for fincial advise 1 i have no way to run too 1 i pray to God 1 i will not go anywhere 1 know one to run to 1 l decide on my own 1 l don't know 1 l have no one in mind 1 mobile money 2 mobile money agents 1 mother 1 my boss 1 my brother 1 my husband 1 my mother 2 my parents 1 my parents gives me 1 no body 2 no one 16 no one at hand 1 no power borrow money 1 no where 5 no. one 1 nobody 1 none 5 not applicable 2 nowhere 9 nowhere only depend on my own 1 office of the president 1 parent(father) 1 parents 8 pastor 1 1 piece work 2 piece works 2 pray to god 1 radio programs 1 rhe internet 1 school teacher 1 sell live stock 1 sell livestock 1 sell things like goats 1 sells from my live stock 1 she advices herself 1 she trades and market conects 1 social cash trasnfer 1 social welfair 1 social welfare 2 social well fair 1 someone Ngo from nakaonde town they used to come 1 spouse 1 teachers 1 teachers from nearby school 1 the mother 1 the neigbour 1 the person i trust 1 the person ruunning business 1 the wife 1 those who have financial experience 1 to parents 1 to people that have done business 1 to the vision funds 1 we have no where 1 we have no where to run to 1 womens club 1 work hard to earn enough for school fees 1 E.4.1a. Do you agree that: You keep track of money that you receive and spend 12721 60 1 Yes 5632 2 No 7089 Sysmiss 60 E.4.1b. Do you agree that: You know how much money you spent last week 12721 60 1 Yes 5746 2 No 6975 Sysmiss 60 E.4.1c. Do you agree that: You know how much money you have at present 12717 64 1 Yes 7265 2 No 5452 Sysmiss 64 E.4.1d. Do you agree that: You adjust your expenses according to the money you h 12721 60 1 Yes 9171 2 No 3550 Sysmiss 60 E.4.1e. Do you agree that: You often have to spend more money than you have avai 12721 60 1 Yes 3538 2 No 9183 Sysmiss 60 E.5a. To keep track of your money, do you: Keep a record? 5632 7149 1 Yes 1895 2 No 3737 Sysmiss 7149 E.5b. To keep track of your money, do you: Monitor account balance? 5632 7149 1 Yes 2488 2 No 3144 Sysmiss 7149 E.5c. To keep track of your money, do you: Other (Specify)? 5632 7149 1 Yes 467 2 No 5165 Sysmiss 7149 E.5_S. Specify how you keep track of your money. 467 0 1 5000 1 A learned Family member helps with records. 1 A ledger 1 BY CALCULATING AGAINST MY EXPENDITURE 1 BY CHECKING 2 BY COUNTING 1 BY PLANNING 1 BY TAKING NOTE IN A NOTE BOOK 1 BY WRITTING IN A NOTE BOOK 3 Bank and mobile money 1 Book recording 1 By counting the balance from expenditure 1 By taking note of the last amount left. 1 By taking note of the previous balance. 1 By using mobile money 1 By way of monitoring the balance 1 By writting in a note pad 1 CHECKING BALANCES 1 Check bank account 1 Count the money after spending 1 HAS A RECORD IN A BOOK 1 Has a village trustee neighbour who helps record 1 I MONITOR HOW I SPEND 1 I MONITOR MY BANAK ACCOUNT 1 I do wright 1 I write down 1 IT IS DIFFICULT TO FIND ANOTHER WAY. 1 In the head 1 Just remembering 1 Keep in mind 1 Keep in my head 1 Keep in the heard 1 Keep records in mind 1 MAKE A BUDGET 2 MOBILE MONEY 1 MOBILE PHONE 1 Maintain a Cash book 1 Memorisation of all the used funds. 1 Memorisation of available and used funds 1 Memorisation of money 1 Memorisation of transactions 1 Mobile money banking 1 Monitorb account balances 1 NON OF THE ABOVE 1 NOTING DOWN 1 Not applicable 1 Phone 1 RECEIPTS 1 RECORD BOOK 1 RECORD IN A BOOK 2 RECORD KEEPING 1 Record in book 1 Recording in book 3 Records in the books 1 SAVING 1 Spouse helps with the record keeping. 1 TAKING NOTE IN A NOTE BOOK 1 The respondent writes down. 1 They are written in a book with aid of son. 1 Through what they buy at home 1 WIFE 1 WITH MOTHER 1 WRING A BUDGET 1 WRITE DOWN A BUDGET 1 WRITE IN NOT BOOK 1 WRITING A BUDGET 1 WRITING DOWN 1 WRITTEN BUDGET 1 WRITTING IN A NOTE BOOK 2 Wife asists with keeping track 1 Write down all expenses 1 Write down important 1 Write in a diary 1 Write on paper 1 Writes in notepad 1 Writing down 1 Writing some where 1 Writing them down 1 accountant 1 airtel money 1 airtel money balance 1 always 1 ask a friend 1 bank 1 because l need to balance up,how much l have 1 book record 1 book recording 1 book records 1 books and reciept 1 brain 1 brian 1 budget 2 budget for the money 1 budgeting 1 buy crops and sold them in future 1 buy keeping recipts 1 buying things as budgeted 1 by checking my balance 1 by checking my expenses 1 by checking the account balance 1 by checking what i have spent the money on 1 by checking your balance 1 by ckecking my balance 1 by comparing the current money i have to the total 1 by counting it 1 by following up the expenses 1 by keeping a record 1 by keeping a written record 1 by keeping it in mind 1 by keeping records of what we buy and purchase 1 by keeping records of what we purchase 1 by keeping the receipt and checking my account bal 1 by keeping the receipts 1 by keeping the recipts and checking my account bal 1 by keeping the records 1 by listing the things bought 1 by looking at the balance compared to the previous 1 by looking of how much he has spend 1 by memorising 1 by monitoring my balace 1 by monitoring my business 1 by puting them in a safe place 1 by putting money in a moble account 1 by recording all the expenses 1 by recording in a book 1 by remembering 1 by remembering what i have bought 1 by reviewing through the things i have bought 1 by saving 1 by using mobile money 1 by using my brains 1 by using the brain 1 by writing 2 by writing down expenses 1 by writing in a book 1 by writing in the book 1 by writing on a book 1 by writting 2 1 by writting in a book 1 by writting in a note book 1 cash book 1 check the account balance 1 checking account balance 1 checking book balance 1 checking his balance 1 checking my account 1 checking the account balance 4 checking through my budget 1 cheking the account balance 1 count how much i have left 1 counting the items bought 2 counting the total amount left 1 expenses 1 follow expenses 1 follow expensess 1 from bank account 1 giving someone 1 he does write on small book. 1 he riviews through his expenditures 1 head 3 head calculations 1 hiding it in my house 1 i check from my hand retain receipt 1 i check the balance i have 1 i dont have 1 i just calculate myself without writing down 1 i just count in my note book 1 i just count my self 1 i just remeber how much i have 1 i keep and write all my recepts wigh a big purchas 1 i keep in my airtel money 1 i know through checking on what i have bought 1 i master in my head 1 i memorise 1 i put a mark to the money 1 i record 1 i record in the book 1 i remember 1 i think about my expenditures 1 i think about the money i had and what i have used 1 i use the phone to check my balance 1 i use the phone/mobile money 1 i write 3 i write a budget 1 i write in a book 1 i write in a cash book 1 i write on a diary 1 i write on a piece of paper 1 i! a private bag 1 in my heart 1 in the mind 4 inquiry at the bank 1 involving your siblings 1 just by looking and knowing how much ive removed 1 just counting the money 1 just have it in mind 1 just in mind 1 just record using my heard 1 just remember 1 keep 1 keep in mind 2 keep in the head 3 keep in the mind 1 keep it in my head 1 keep it through record in the book 1 keep receipts 2 keep reciepts 1 keep record 1 keep record in a book 1 keep record in a book/laptop 1 keep record in the head 2 keep records 1 keep recripts 1 keep track mobile money account 1 keep writting 1 keeping a cash flow stetment 1 keeping in home 1 keeping in the mind 1 keeping in the pace 1 keeping it in my head 1 keeping money in house 1 keeping payslips 1 keeping recept 1 keeping recepts 1 keeping reciepts safe 1 keeping recodr 1 keeping records of spending 1 keeping the recording in my phone 1 keeping track in mind 1 keeps in the head 1 keeps the record on his phone 1 keeps track of money spent in her head 1 l alway check 1 l have a book whichl write thing l wznt to buy 1 list making 1 looking at how much i have at that time 1 looking at the balance 1 make a list 1 make budget 1 making a budget 1 math 1 math calculation 1 memorising 1 memorize 1 memorizing 1 memorizing my expenses 1 memory 14 messages 1 mind 5 mobile banking 1 mobile money 3 moniting my balance 1 monitor mobile balance 1 monitoring mobile money account 1 monitoring the account balance 1 mtn money 1 newspaper and internet 1 no other 1 none 1 not applicable 3 note book 1 online bank statement 1 only writing 1 personal 1 personal diary 1 phone 3 photocopy the receipts 1 planning in the head 1 put everything in the head 1 put them in a box 1 putting money into bank account 1 recaling the price of the items 1 receipts 1 recode in a book 1 recond what we buy 1 record 3 record book 1 record in a book 1 record in a diary 1 record in book of accounts 1 record in the book 1 record keeping in the head 1 record on book 1 recorded in a cashbook 1 recording 7 recording expenses 1 recording in a book 1 recording my expensses 1 records 5 refer to budgets 1 remembering 3 review the things i have spent the money on 1 reviewing my expenditures 1 reviewing what i have spent my money on. 1 save for future use 1 saves in a piggy bag 1 savings 1 she remembers all the expenses no records 1 1 sometimes 1 spend the money as planned 1 stock taking on shop income 1 store them some where 1 stork taking 1 take down notes 1 tells wife 1 they draw a bugdet 1 they use bank statement 1 think about what i have bought 1 thougth the messge 1 throgh checking the bank balance 1 through a phone 1 through assets 1 through mobile money 1 through phone transactions 1 through recording a book 1 through sms 1 through the phone 1 use of memory 1 using a book to record 1 using a mobile money account 1 using cash books 1 using mobile money 1 we record 1 when i buy what i want 1 witting in a book 1 write a budget 1 write down 3 write down in a book 1 write down in the book 1 write down my expences 1 write everthing down 1 write expenses in a notepad 1 1 write in a book 6 write in a note book 2 write in an excercise book 1 write in book 1 write in my book 1 write in the book 1 write it down in a book 1 write on a piece of paper 1 write on paper 3 write records 1 write somewhere 1 write the budget 1 write what i buy 1 writes a budget 1 writes down 4 writes in a note book 5 writes somewhere 1 writes what l buy and the record 1 writing 1 writing a record 1 writing down 2 writing down all the money used 1 writing down in a book 1 writing in a book 2 writing in book 1 writing in the book 1 writing on a book 1 writing on a paper 1 1 writring down in the book 1 writte 1 written budget 1 written record 1 writting 6 writting down each expense 1 writting in a book 2 writting in my note book 1 writting in the book 1 writting it on the book 1 writting them down 1 writtings 1 wtite on paper 1 E.6a. Do you have a budget, spending plan or financial plan that you use to guide 12721 60 1 Yes 3514 2 Sometimes 5100 3 No 4107 Sysmiss 60 E.6b. Do you have a plan to achieve your longer-term financial goals? 12720 61 1 Yes 6413 2 No 6307 Sysmiss 61 E.6c. Do you have a plan for how to spend your money for things like food, cloth 12719 62 1 Yes 3780 2 Sometimes 4634 3 No 4305 Sysmiss 62 E.7a. Thinking about paying for your REGULAR expenses, which of the following ap 12719 62 1 Don?t struggle at all 838 2 Sometimes struggle 7008 3 Always struggle 4233 4 Have fallen behind completely 222 5 Don?t know (Don't read out) 418 Sysmiss 62 E.7b. Thinking about paying for your UNEXPECTED expenses, which of the following 12719 62 1 Don?t struggle at all 560 2 Sometimes struggle 5895 3 Always struggle 5420 4 Have fallen behind completely 397 5 Don?t know (Don't read out) 447 Sysmiss 62 E.8. How well are you keeping up with your bils and credit commitments? Do you p 12719 62 1 All bills are paid on time and/or in full 1235 2 Most bills are paid on time and/or in full 1249 3 Some bills are paid on time and/or in full 2504 4 Not Applicable 7731 Sysmiss 62 E.9. The following are major events in most people?s lives. Which do you think i 12717 64 1 Birth of a child 1065 2 Lobola 354 3 Wedding 721 4 Education 6915 5 Accident 323 6 Funeral 2542 7 Does not know 797 Sysmiss 64 E.10. How/where will you get most of the money to pay for?.(read option mentione 12716 65 1 Savings 3569 2 Rely on savings group social fund 44 3 Borrow from a bank 89 4 Borrow from microfinance institution such as EFC 25 5 Borrow from microlender such as Agora 13 6 Borrow from a savings and credit cooperative (SACCO) 8 7 Borrow from savings group 28 8 Borrow from moneylender/kaloba/shylock 103 9 Borrow from family/friends 884 10 Rely on family and friends for gifts 3144 11 Rely on the community for gifts 167 12 Sell something that I bought for this purpose 533 13 Sell something not intentionally bought for this purpose 414 14 Cut back on expenses 416 15 Cut back on meals 105 16 Take children out of school 47 17 Other, specify 1958 18 Don?t know 1169 Sysmiss 65 E.10_S. Specify how/where you will get most of the money to pay for .... 1958 0 E.11. Are you doing anything to make sure that you can deal with such unexpected expenses such as medical costs, funeral costs, etc. 12716 65 1 Yes 3333 2 No 9383 Sysmiss 65 E.12. What are you MOSTLY doing about it? 0 12781 1 Bought an asset to sell when I need the money 0 2 Bought livestock/poultry to sell when I need money 0 3 Saving/putting money aside 0 4 Have insurance cover 0 5 Other, specify 0 Sysmiss 12781 E.12_S. Specify what you are MOSTLY doing about it? 0 0 E.13a. On average, how much money do you spend in a month? 12716 65 0 1000000 716.968 8978.028 E.13b. On average over the past 12 months, how do you describe your spending pat 12715 66 1 Spend much less or a bit less than income 4445 2 Spend about equal to income 5350 3 Spend a bit more or much more than income 2920 Sysmiss 66 E.14.1. Did you/your household experience: Illness in your household that requir 12715 66 1 Yes 4450 2 No 8265 Sysmiss 66 E.15.1. How did you cope financially when Illness in your household that require 4450 8331 1 Used savings 1360 2 Borrowed money 646 3 Sold an asset/something obtained for this purpose 144 4 Sold asset/something not obtained for this purpose 253 5 Cut down on expenses 227 6 Claimed insurance/policy pay-out 38 7 Nothing 991 8 Other 791 Sysmiss 8331 E.14.2. Did you/your household experience: Death of a household or family member 12715 66 1 Yes 1567 2 No 11148 Sysmiss 66 E.15.2. How did you cope financially when Death of a household or family member 1568 11213 1 Used savings 418 2 Borrowed money 265 3 Sold an asset/something obtained for this purpose 58 4 Sold asset/something not obtained for this purpose 92 5 Cut down on expenses 52 6 Claimed insurance/policy pay-out 11 7 Nothing 295 8 Other 377 Sysmiss 11213 E.14.3. Did you/your household experience: Loss of the income of an income earne 12715 66 1 Yes 725 2 No 11990 Sysmiss 66 E.15.3. How did you cope financially when Loss of the income of an income earner 726 12055 1 Used savings 126 2 Borrowed money 108 3 Sold an asset/something obtained for this purpose 24 4 Sold asset/something not obtained for this purpose 26 5 Cut down on expenses 111 6 Claimed insurance/policy pay-out 7 7 Nothing 235 8 Other 89 Sysmiss 12055 E.14.4. Did you/your household experience: Large unforeseen school expenses e.g 12715 66 1 Yes 1168 2 No 11547 Sysmiss 66 E.15.4. How did you cope financially when Large unforeseen school expenses e.g s 1168 11613 1 Used savings 277 2 Borrowed money 179 3 Sold an asset/something obtained for this purpose 56 4 Sold asset/something not obtained for this purpose 59 5 Cut down on expenses 88 6 Claimed insurance/policy pay-out 2 7 Nothing 328 8 Other 179 Sysmiss 11613 E.14.5. Did you/your household experience: Unexpected rise in the price of goods 12715 66 1 Yes 8077 2 No 4638 Sysmiss 66 E.15.5. How did you cope financially when Unexpected rise in the price of goods 8077 4704 1 Used savings 1313 2 Borrowed money 377 3 Sold an asset/something obtained for this purpose 114 4 Sold asset/something not obtained for this purpose 109 5 Cut down on expenses 2432 6 Claimed insurance/policy pay-out 4 7 Nothing 3317 8 Other 411 Sysmiss 4704 E.14.6. Did you/your household experience: Harvest/crop failure/loss of livestoc 12715 66 1 Yes 3432 2 No 9283 Sysmiss 66 E.15.6. How did you cope financially when Harvest/crop failure/loss of livestock 3433 9348 1 Used savings 375 2 Borrowed money 138 3 Sold an asset/something obtained for this purpose 83 4 Sold asset/something not obtained for this purpose 87 5 Cut down on expenses 336 6 Claimed insurance/policy pay-out 5 7 Nothing 2055 8 Other 354 Sysmiss 9348 E.14.7. Did you/your household experience: Loss of income as a result of an unex 12715 66 1 Yes 1751 2 No 10964 Sysmiss 66 E.15.7. How did you cope financially when Loss of income as a result of an unexp 1751 11030 1 Used savings 229 2 Borrowed money 129 3 Sold an asset/something obtained for this purpose 33 4 Sold asset/something not obtained for this purpose 50 5 Cut down on expenses 283 6 Claimed insurance/policy pay-out 2 7 Nothing 894 8 Other 131 Sysmiss 11030 E.16.1. Do you agree that: You have people in the community that you can turn to 12714 67 1 Agree 6141 2 Disagree 6573 Sysmiss 67 E.16.2. Do you agree that: You have people in your life who can help you financi 12714 67 1 Agree 8674 2 Disagree 4040 Sysmiss 67 E.16.3. Do you agree that: You would rather turn to strangers than people in the 12714 67 1 Agree 2856 2 Disagree 9858 Sysmiss 67 E.16.4. Do you agree that: People in your community have a strong sense of invol 12714 67 1 Agree 7430 2 Disagree 5284 Sysmiss 67 E.16.5. Do you agree that: There is a strong tendency in your community where yo 12714 67 1 Agree 6427 2 Disagree 6287 Sysmiss 67 E.16.6. Do you agree that: Being part of the community is important to you ? 12714 67 1 Agree 10792 2 Disagree 1922 Sysmiss 67 E.16.7. Do you agree that: You are a member of a group/association other than a 12714 67 1 Agree 2128 2 Disagree 10586 Sysmiss 67 E.17 When you see you are going to run out of money ? how do you MOSTLY cover yo 12714 67 1 Savings 1804 2 Borrow 1171 3 Ask family/friends for help 3067 4 Cut down on meals 1068 5 Take children out of school 12 6 Go and visit/stay with relatives 52 7 Skip debt repayment 18 8 Work more/do extra work 3840 9 Don?t know 819 10 Other specify 863 Sysmiss 67 E.17_S. Specify how you mostly cover your expenses until you get money again. 863 0 "Am just a dependant who entirely do familly work 1 "she does nothing as well" 1 "she does nothing" 1 "she does piece works" 1 "she does sold crops e.g maize" 1 ADJUST EXPENSES 1 ASK FROM CHILDREN 1 ASK FROM THE SPOUSE 1 Accept The Situation Without Doing Anything. 1 Adjusting expenses 1 BUSINESS 1 BUY THE BASIC NEEDS 1 Borrow,savings,ask from friends N family 1 By Selling Livestock 1 CUT DOWN ON EXPENSES 3 CUT DOWN ON OTHER EXPENSES 1 CUT DOWN ON UNECCESSARY EXPENSES 1 CUT DOWN SOME EXPENSES 1 CUTBON SOME EXPENSES 1 Cut down expenses 1 Cut down on expenses 2 Cut down on regular expenses. 1 Cut on expenses and do more work 1 Cut on expenses. 1 DO MORNING FARMING 1 DO NOTHING 3 DO SOME PEACE WORKS 1 DOESNT NOT USUALLY RUN OUT BECAUSE WE PLAN 1 DONT HAVE EXPENSES 1 DONT HAVE EXPENSES ALL EXPENSES ARE DONE BY PARENT 1 Depend on parents 1 Do Nothing Over It. 1 Do not earn any money 1 Do not have money most of the time 1 Do piece work 2 Doesn't do anything 1 Don't do anything 1 Don't have expenses 1 Don't have expeses 1 Dont do anyhting 1 Dont get any money, rely on my Aunty to provide 1 Dont have ecpenses 1 Dont have expenses 2 Dont have expeses 1 Expenses are taken care of by parents. 1 FAMILY PAYS FOR ALL HIS EXPENSES 1 FARMING 1 Fall back on savings from farming. 1 Family covers me 1 Farming 1 Fishing 2 Gardening 1 Get from work place 1 HAS NO EXPENSES 1 HAVE NO INCOME 1 Has no income 1 Have backup Maize for sale 1 Husband provides everything 1 I DO NOTHING 1 I MAKE A BUDGET ACCORDING TO THE MONEY I HAVE 1 I SIT DOWN WITH MY HUSBAND AND SEE THE WAY FORWARD 1 I don't di anything 1 I dont get money 1 I dont have a income 1 I go fishing 1 I plan out of the little resources on to multiply 1 I sell one of my properties 1 I'm a dependant. 1 INVEST THE REMAINING MONEY INORDER TO MAKE PROFIT 1 Invest in the garden 1 MANAGE WITH WHAT I HAVE 1 MANAGE WITH WHAT I HAVE. 1 MONEY FROM HUSBAND 1 MONTHLY PENSION 1 MY DAUGHTER TAKES CARE OF EVERYTHING 1 MY PARENTS DO THAT FOR ME 1 MY SPOUSE DOES EVEYTHING 1 Minimise on the expenses 1 NOTHING 5 NOTHING UNLESS THERE IS A LITTLE 1 No Income 1 1 Not Applicable 4 Not Applicable,Looked after 1 Not applicable 1 Nothing 4 PARENTS COVER EXPENSES 1 PARENTS TAKE CARE OF EXPENSES 1 PART TIME JOB 1 Parents takes care 1 Piece Works 1 REDUCE ON BUYING THINGS SUCH AS SKIPPING TEA BREAK 1 RESPONDENT HAS NO EXPENSES 1 RESPONDENT RELIES ON PARENTS 1 RESPONDENTS DOES PIERCE WORKS 1 Reduce expenditure 1 Reduce my expenses 1 Reduce on expences 1 Reduce on expenses 1 Reduce on my expenses 1 Rely on a business 1 Rely on my family 1 Rely on parents 1 Respondent cuts down on expenditure 1 SALARY ADVANCE 1 SALE CHARCOAL 1 1 SELL SOME CROPS WHEN THEY CAN 1 SELL WHAT I HAVE TO COVER EXPENSES 1 SELLING SOME FARM PRODUCTS 1 START SELLING CHICKENS 1 Sale some Millet. 1 Sale some livestock 1 Sale stocked crops 1 Sales of vegetable from the garden 1 Sales of vegetables from the garden 1 Sell One Livestoke 1 Sell livestock 1 Sell some livestocks. 1 Sell the produce 1 Selling firewood 1 She has no idea 1 Sometimes ask for help from parents 1 TO BUY ONLY ITEMS THAT ARE ESENTIAL 1 The son provides 1 Usually relies on well wishers 1 WAIT UNTIL THE MONEY COMES IN 1 Wait for help from relatives. 1 adjust 2 adjust in my spending 1 adjust on expenses 2 adjust the budget 2 adjusting expenses 1 adjusy the expenses 1 1 always struggle 1 am stil to school 1 1 ask for help money from different people 1 ask from children 1 ask from my father 1 ask from my husband 1 ask from my parents 1 ask husband 1 ask my parent to give me 1 asking parents 1 being kept by son 1 bettway 1 borrow from our business 1 boyfriend 1 brew beer 1 brew ilicity beer 1 brew local beer 1 brew local beer for sell 1 brew more beer 1 budgeting. 1 burn charcoal 1 burn charcoal and sell 1 burning charcoal 1 business 9 business kantemba 1 buy all essentials in advance 1 buy cassave for stocking 1 buy food in advance 1 buy in advance 1 buy necessities only 1 buy selling crops 1 buy somethimg to sell 1 buy something then resell 3 buy something to sell 1 by farming 1 calling children 1 cash 1 charcol burnning 1 chilimba 4 chitobo farmers cooperative group 1 church 1 church members do help 1 church people tend to help 1 community helps 1 cut doen on regular expensses 1 cut down expenses 8 cut down expensses 2 cut down expess 1 cut down my expenses 1 cut down on certain expenses 1 cut down on eating 1 cut down on expences 2 cut down on expeneses 1 cut down on expenses 26 cut down on general expenses 1 cut down on some expenses 1 cut down other expenses 1 cut down some expenses 2 cut off some of expenses 1 cut on expenses 2 cut some expenses 1 cutdown expenses 1 cutdown on expenss 1 cuts down on expesses 1 cuts on expenses 1 cutting down expensess 1 depend on cassava it doesnt end 1 depend on my brother 1 dependant 1 depends on parents 1 digging wells to earn money 1 do anythin 1 do business 2 do more piece works 2 do not borrow 1 do not have a income 2 do not have expenses 4 do nothing 24 do nothing because i dont work 1 do nothing im still young 1 do nothing until i harvest my crops 1 do pice work 1 do piece work 4 do piece works 11 do piecework 2 do pieceworks 1 do some extra work 1 do some piece work 1 does farming 1 does nothing 6 does nothing fear credit 1 does nothing us everything is provided by parents 1 does sell crops 1 does. not p a y for expenses 1 doing nothing 1 doing piece works 1 don't have expences 1 don't have expences most of expenses are meant bro 1 don't have expense 1 don't have expenses 2 dont borrow 1 dont buy 1 dont do any thing 1 dont do anything 2 dont find myself in this situation 1 dont get incom 1 dont have expences 1 dont have expenses 9 dont have expenses his kept and not working 1 dont have income 1 dont have money 1 dont have the expenses 1 dont run out of money 1 dont work 1 economise 1 employer 1 engage in multi businesses 1 expenses are paid by parents 1 expenses done by household members 1 extra piece works 1 family support 1 farm work 1 farming 8 fishing 3 from business 2 from children 1 from farming 3 from fishing 1 from my small business 1 garden helps me 1 gardening 5 get from husband 1 get from my parents 1 get from running business 1 get from spouse 1 get groceries in advance from shops 1 get help from church people 1 get inadvance the most important things 1 get money from chilimba 1 get money from debtors 1 get the goods on credit and pay later 1 get vital things first 1 gey a salary advance from work 1 gifts from church 1 given by daughter 1 go and catch fish for sale 1 go for peace work 1 go for piece working 1 go for piece works 1 go in the bush to cut fire wood to burn charcoal 1 go to my farm and and some food 1 going to the farm to my parents to get money 1 grow more vegetables 1 have never experienced that 2 have no ecpenses 1 he does gardening 1 he sold crops e.g cassava 1 her parents provide 1 hubby borrow 1 i buy according the amount i hv 1 i continue doing piece work 1 i do not contribute anything because am not workin 1 i do nothing 2 i do nothing im being kept 1 i do piece work 1 i don't do anything 1 i don't have money related expenses 1 i dont have any expenses 1 i dont have expense 1 i dont have expenses 1 i dont work and i dont usually have money to spend 1 i economise what i have 1 i get on my knees nd pray 1 i go back to work 1 i just pray 1 i rely on my mum 1 i sale a chicken 1 i sale cattle 1 i sell charcoal 1 i sell some livestock 1 i sell somthing 1 i spend the money wisely 1 i stick to the budget, no misusing 1 i sufer just like this because am old 1 i usually do not run out of money 1 i wait to be given by my parents again 1 i wait until my guardians gives me what to use 1 iam being kept 1 income 1 invest in alcohol 1 invest in business 1 invest in charcoal 1 invest in small business 1 1 just kept by grand mother 1 just stay 1 just use what is available 1 just wait for the next money 1 just wait until she has money 1 l depend on my parents 1 l do farming 1 l do look for more piece works 1 l do piece work 1 l dont have an income 1 l have do business to cover my money 1 l sell some thing 1 lend the money and got later with interest 1 let husband know 1 life remains the same 1 look for it. 1 look for peace works 1 look for piece work 1 looking for work 1 maintain with the little that is availble 1 make another plan 1 make more chacoal 1 make more sales 1 make mukoyo and sell 1 manage what i have 1 manage what she has 1 member of village banking 1 mom covers my expenses 1 mum does everything 1 my children send money 1 my father pays for all my expenses 1 my father provides 1 my husband is the provider 1 my mother borrows from chilimba 1 my mum 1 my parent does everything for me 1 my parent does that responsibility 1 my parent provides for me 1 my parents provides for me 1 my parents will provide 1 my son helps me 1 never experinced that 1 never runs out of money 1 never spends money 1 no expence 1 no expenses 4 no expenses on me 1 no need 1 no plan 1 no where 1 no where to go 1 none 6 not applicable 6 not appplicable 1 not spending 1 nothing 72 nothing all expenses are paid for 1 nothing am old 1 nothing he does just depend on his parents 1 nothing just use the one i use on business 1 nothing just wait for next salary 1 nowhere 1 only buy necessities 1 only farming 1 order a few goods for sale 1 parent 1 parents 3 parents are in charge 1 parents do this 1 parents look after him 1 parents pay for expenses 1 parents provide 1 peace works 2 peice works 1 perents 1 piece 1 piece of work 1 piece work 9 piece works 7 planning on how to get money next 1 planting vegetables 1 process more beer 1 produce charcoal 1 punic farming 1 raise money from fishing 1 rastioning 1 reduce expenditure 1 reduce expenses 2 reduce on expenditure 1 reduce on expense 1 reduce on expenses 5 reduce on expesses 1 reduce on some expenses 1 reduce on unnecessary spending 1 reduce the budget 1 reduces expenses 1 reducing amount spent on expenses 1 reducing on expenses 1 relies on the business for the vehicle 1 rely on bussiness 1 rely on his livestock 1 rely on husband 2 rely on my husband 1 rely on my parents to provide 1 rely on parents 4 rely on parrent 1 rely on the head of the household 1 rentals 1 rentals from fathers house 1 respondant isn't applicable 1 run for piece works 1 run to my parents 1 sale a chicken 1 sale belonging 1 sale cattle 1 sale crops 2 sale livestock 3 sale livestoct 1 sale my crops 1 sale of produce 1 sale produce from garden 1 sale rape from garden 1 sale simething and use the money gotten 1 sale some livestock 1 sale some of my crops 1 sale the remaining crops 1 sale vagetables from the garden 1 school child- no expenses 1 sell a livestock 1 sell a property 1 sell agric products 1 sell an asset 2 sell an item 1 sell b 1 sell broilers 1 sell chacoal sometimes 1 sell chickens 4 sell chickens and goats 1 sell cows 1 sell crops 2 sell crops being produced 1 sell ducks 1 sell extra food from farm 1 sell farm produce 7 sell farm product 1 sell farming produce 1 sell food produced from farming 1 sell goat or chicken 1 sell goats 1 sell goods to cover 1 sell groundnuts 1 sell item 1 sell items 1 sell livestock 11 sell livestock or poultry 1 sell maize grains 1 sell more crops from the reserve 1 sell my chickens 2 sell my live stock 1 sell our goods like chickens 1 sell produce 2 sell some assets 1 sell some belongings 1 sell some chickens 1 sell some hoisehold items 1 sell some items 2 sell some livestock 4 sell some more farm produce 1 sell something 7 sell something like livestocks 1 sell something not intended for this purpose 1 sell stock crops 1 sell stock of crops 1 sell the reserved farm produce meant for eating 1 sell things 2 selling charcoal 1 selling livestock 2 selling livestock like chicken or goat 1 selling livestocks 1 selling livestocks or farm produce 1 selling of livestock 1 selling of livestock like cow, chicken etc. 1 selling own livestock 1 sells alcohol 1 sells farm and garden produce as well as livestock 1 sells livestock to cover up the expenses 1 sells part ofhis production 1 send children to her mum 1 she does family work. 1 she does piece works assess 1 she does sold crops e.g maize and tomatos 1 she does sold grasses as roof to different people 1 she is a dependant 1 shoe repairing 1 small jobs 1 sold crops 1 sold katata and kachaso 1 sold more livestock 1 spend less 1 spouse pays expense 1 start a small business 1 start selling tomatoes 1 start up a business 1 start up something eg farming 1 1 still at school 3 still going to school 1 tell the husbsnd 1 tell the spouse 1 they did nothing 1 they do things for me 1 through depending on my family 1 timber making 1 try and levy for more time 1 usaully no money 1 use from own bussines 1 use less of the money i havw 1 use oxcat for hire and sale livestock 1 village bank 1 wair for rental payment 1 wait 2 wait for salary 2 wait for social cash tranfer 1 wait for the next season 1 wait for the salary 1 wait till i have money 1 wait until harvest time 1 wait until we have money 1 wait untill they grow their crops and harvest 1 we do piece works 1 when am given money 1 work advance 1 work extra hard and family 1 work extra hours 1 work hard 1 E.18 In your community, if someone passes away, who pays most of the funeral cos 12714 67 1 The community 3412 2 Friends and family members 6584 3 The household 2074 4 People have insurance/funeral funds 22 5 They belong to a savings group that will cover the costs 18 6 Don?t know (Do not read out) 320 7 Other, specify 284 Sysmiss 67 E.18_S. Specify who pays most of the funeral costs if someone in your community 285 0 "church and family." 1 A certain group is formed 1 ASPIRING CANDIDATES OF PARTIES 1 Ask from the chairman 1 CHAIRMAN 1 CHURCH 1 CHURCHES 1 COMMUNITY AND FAMILY BOTH 1 COUNCILLOR 1 Church members 1 Church members and the community 1 Contributions from neighbours and friends 1 D C 1 DONT KNOW 2 District commisioner 2 Donations from friends and the community 1 EMPLOYER 1 FAMILY ALONE 1 FAMILY ONLY 1 Family 1 Farm owner 1 HEADMAN 1 IF YOU BELONG TO A CHURCH THE CHURCH ASSISTS 1 MP 2 MP candidates 1 Ran for help from the concillor 1 THE CHAIRMAN AND HIS GROUP 1 THE CHURCH 1 THE MP AND COUNCILLOR 1 THE MP,COUSELLOR AND THE FAMILY 1 The D C 1 The MP & Family members 1 The chair man 1 The church 3 The comitee 1 The employer 1 The farm owner 1 The government of zambia through ( DC) 1 The mayor 1 am just a dependant 1 area concellor 1 chiefs 1 church 49 church & family 1 church ( congregation) 1 church and farmilly members 1 church committe 1 church group/area councillor 1 church groups 2 church members 35 church members and family 1 church members and the congregation 1 church members and the farmily 1 church members as well as the community 1 church members for the belaved person 1 church members were that person belonged 1 church members where a deceased belongs 1 church mrmbers 1 church or congregation 1 church personel 1 church support group 1 churches and chief 1 churches or congregation 1 commu 1 community and family members 1 community leader 4 community leader she mentioned mp 1 communiyt headman 1 company 1 company offers funeral cover 1 congregation or church 1 conselor 1 councellor or mp 1 council chairman 1 counciller 1 councillors comes in for help 1 councilor 3 counselor 1 cummunity leader 1 depends on the person who died 1 doing piece works 1 done by family only 1 dont have 1 dont know 1 employer 2 family 1 family and church. 1 family and the community 1 family members 1 family members and the church 1 family only 2 family, friends and political parties 1 from church members and household members 1 from the church 1 from the employer 1 government 3 government official 1 headmam and other members of the community do cont 1 headman 3 headman of the village 1 here we dont spend money during funeral 1 i dont know cause i mind my home 1 it depends 1 it varies, some people are helped and others not 1 just a few people help out 1 mayor 2 member of paliament 3 member of parliament(vincent mwale) 1 members from the church were you go 1 members of the church and coperative members 1 members of the church were that peson belonged 1 mp miyutu chinga helps out with the costs 1 my employer 4 my employers pays the bills 1 no one 5 no one helps 2 none 2 not applicable 1 not sure 2 not too sure 1 only family members 1 our employer 2 our employer pays for all the expenses 1 people from church 2 people from the church 1 political leader 1 political parties help 1 relatives only 1 run for help from members of parliament 1 sell vegetables 1 sub-chef and teacher!s community 1 the area councillor 1 the church 16 the church does more 1 the church gives domations 1 the church group 1 the church if ones goes to church 1 the church members 2 the church mumbers 1 the comunity helps me and other relatives 1 the counselor 1 the employer 3 the governement 1 the mp 1 the school pays the most 1 the village headman 1 they arw new residents here so he said doesnt know 1 they borrow from shylocks 1 they maker 1 those who wish to pay 1 village headman 1 wealthy community member 1 world vision 1 E.19.1. In the last 6 months has your household: Gone without enough food to eat 12714 67 1 Yes 4467 2 No 8247 Sysmiss 67 E.20.1. How often have you: Gone without enough food to eat? 4467 8314 1 At least once a week 1391 2 At least once a month but not every week 2061 3 Less than once a month 1015 Sysmiss 8314 E.19.2. In the last 6 months has your household: Gone without medicine or medica 12714 67 1 Yes 2856 2 No 9858 Sysmiss 67 E.20.2. How often have you: Gone without medicine or medical treatment that was 2856 9925 1 At least once a week 409 2 At least once a month but not every week 1497 3 Less than once a month 950 Sysmiss 9925 E.19.3. In the last 6 months has your household: Had to miss an important family 12714 67 1 Yes 3205 2 No 9509 Sysmiss 67 E.20.3. How often have you: Had to miss an important family event (funeral, wedd 3205 9576 1 At least once a week 219 2 At least once a month but not every week 1411 3 Less than once a month 1575 Sysmiss 9576 E.19.4. In the last 6 months has a: child or any person belonging to your househ 12714 67 1 Yes 1988 2 No 10726 Sysmiss 67 E.20.4. How often has a: Child or any person you support sent home for lack of s 1988 10793 1 At least once a week 235 2 At least once a month but not every week 928 3 Less than once a month 825 Sysmiss 10793 E.19.5. In the last 6 months has your household: Failed to go out with a friend/ 12714 67 1 Yes 1949 2 No 10765 Sysmiss 67 E.20.5. How often have you: Failed to go out with a friend/family for entertainm 1834 10947 1 At least once a week 199 2 At least once a month but not every week 672 3 Less than once a month 963 Sysmiss 10947 E.21.1 If you needed K500 in case of an emergency, would you be able to raise it 8192 4589 1 Yes 1808 2 No 5891 3 Don't know 422 4 Refused to Answer 71 Sysmiss 4589 E.21.2 If you needed K1,000 in case of an emergency, would you be able to raise 4522 8259 1 Yes 1124 2 No 3062 3 Don't know 295 4 Refused to Answer 41 Sysmiss 8259 E.22.1 What would be your MAIN source of money if you needed it in 1 day? 2932 9849 1 Savings 1019 2 Rely on savings group social fund 45 3 Borrow from a bank 36 4 Borrow from microfinance institution such as Madison Finance 20 5 Borrow from microlender such as Innovate 10 6 Borrow from a savings and credit cooperative (SACCO) 5 7 Borrow from savings group 49 8 Borrow from moneylender/kaloba/shylock 91 9 Borrow from family/friends 696 10 Rely on family and friends for gifts 370 11 Rely on the community for gifts 14 12 Sell something that I bought for this purpose 104 13 Sell something not intentionally bought for this purpose 141 14 Cut back on expenses 25 15 Cut back on meals 5 16 Take children out of school 0 17 Claim insurance 0 18 Other, specify 223 19 Don?t know(Do not read out) 66 20 Refused to Answer(Do not read out) 13 Sysmiss 9849 E.22_1_S. Specify what your main source of money would be if you needed it in 1 223 0 "he does borrow to families" 1 BOROW FROM PARENTS 1 BORROW FROM EMPLOYER 2 BORROW FROM FRIENDS 1 BORROW FROM HEADMASTER FROM THE MONEYFOR THE SCH 1 BORROW FROM MOBILE MONEY 1 BORROW FROM MTN 1 BORROW FROM MTN MOBILE 1 BUSINESS 1 Borrow from the chairman in the compound 1 Can't raise 1 DO SOME PIECE WORKS 1 FRIENDS 2 FROM MY BUSINESS 1 FROM THE PARENTS 1 Fishing 1 From Farming 1 From my shop 1 From work 1 GET MONEY FROM THE BANK 1 Get sales from Maize.. 1 Have daily 1 INVEST IN THE BUSINESS MORE TO AVOID DEBT 1 LOOK FOR EXTRA WORK 1 RELY ON CHILDREN 1 Rely on selling livestock 1 SALARY ADVANCE 1 Sale of livestock 1 Sale the imputs 1 Sell crop produce 1 Sell maize 1 Selling maize 1 Would sell crops 1 ask from employer (boss) 1 ask from mutiple channels and borrow 1 ask from parents 1 ask from relatives and parents 1 borrow from boss 1 borrow from employer 7 borrow from family and friends 1 borrow from family members 1 borrow from friend 1 borrow from friends 1 borrow from lending institutions 1 borrow from mobile money 1 borrow from my mobile money 1 borrow from parents 1 borrow from the counseller 1 borrow from village bank 1 borrow from village banking 1 borrow from work 1 borrow money from employer 1 business 8 bussinnes money 1 by selling livestrock(eg pigs,goats) 1 call brother 1 can not manage in a day 1 can sell charcoal 1 can sold maize 1 can't afford to find the money in one day 1 can't manage 1 cannot manage 3 cant fiind the money 1 cant find it 1 cant in one day 1 cant manage 1 cant mannage 1 charcoal sales 1 children 1 company 1 do fast business 1 do piece works 1 do some piece work 1 employer 1 family members and friends 1 farming 1 farming and piece works 1 fishing 1 1 from a chilimba 1 from business 3 from bussiness partner 1 from current business 1 from farming 1 from grocery store 1 from husband 1 from my children 1 from my employer 1 from our business 1 from rentals 1 from the bank 1 from the business 2 from the husband 1 from the saloon business 1 from the shop 1 from the spouse 1 get an advance from a lending institution 1 get from chilimba 1 get from my savings 1 get from the bussiness 1 get from the house the one we keep 1 get from village bank 1 get from village banking 1 get money from work 1 get salary advance from employer 1 get sales from my barber shop 1 hair plating 1 have inputs in the house 1 he does gardening 1 he sold maize 1 her aunt pays 1 i can go to NHC group 1 i cant make it in a day 1 i would go the river to catch fish for selling 1 i would sell maize 1 i would sell maize to raise the money 1 keep money in the house 1 money from business 1 money from sales in the business 1 my bussiness 1 my farmily 1 my other business 1 not able to find it 1 not possible 2 nothing 1 1 one day can't manage 1 own money from farming 1 parents 2 parents savings 1 personal business 1 piece work 9 plough a field at a fee 1 relatives 1 rely on chilimba 1 rely on money from the business 1 rely on my husband 1 rely on personal business 1 rely on the business 1 rely on wife 1 salary advance 1 sale farm product 1 sale fish 1 sale maize which i have 1 sale some goods e.g maize cotton, rice e.t.c 1 sales from garden produce 1 seek help from the institution 1 sell bags of mainz 1 sell charcoal 1 sell chickens 2 sell cows or maize 1 sell farm produce 3 sell livestock 2 sell livstock 1 sell maize 2 sell maize at the market 1 sell maize to raise the money or livestock 1 sell my crops 1 sell my livestock 1 sell of my live stock 1 sell produce 1 sell some farm produce 1 selling agricultural produce 1 selling any livestock that will cover the expense 1 selling fish 1 selling livestock 1 selling maize 2 selling of charcoal 1 selling of livestock 1 selling traditional mats 1 selling vegetables 1 sold goods. 1 sold tomatos 1 source farming 1 spouse 1 the employer 1 through my busness 1 through piece work 1 village bank 1 withdraw from the bank accont 1 work 1 work extra 1 work harder 1 would get from my business 1 would not be possible 1 would sell something 1 wouldn't raise it 1 E.22.2 What would be your MAIN source of money if you needed it in 3 days? 2932 9849 1 Savings 1013 2 Rely on savings group social fund 51 3 Borrow from a bank 41 4 Borrow from microfinance institution such as Madison Finance 20 5 Borrow from microlender such as Innovate 8 6 Borrow from a savings and credit cooperative (SACCO) 5 7 Borrow from savings group 54 8 Borrow from moneylender/kaloba/shylock 81 9 Borrow from family/friends 701 10 Rely on family and friends for gifts 356 11 Rely on the community for gifts 18 12 Sell something that I bought for this purpose 114 13 Sell something not intentionally bought for this purpose 157 14 Cut back on expenses 26 15 Cut back on meals 6 16 Take children out of school 0 17 Claim insurance 0 18 Other, specify 214 19 Don?t know(Do not read out) 60 20 Refused to Answer(Do not read out) 7 Sysmiss 9849 E.22_2_S. Specify what your main source of money would be if you needed it in 3 214 0 "he does sold crops" 1 "he does sold tomatos and cabbages" 1 "she does sold crops" 1 3 days also can't manage 1 BOROW FROM EMPLOYER 1 BORROW 1 BORROW FROM EMOLOYER 1 BORROW FROM FRIEND 1 BORROW FROM MOBILE MONEY 1 BORROW FROM MTN 1 BORROW FROM MTN MOBILE 1 BUSINESS 1 Borrow from the chairman in the compound 1 By Sellling A Goat 1 Can't raise 1 Collect from the people who owe money 1 Employer. 1 FRIENDS 1 FROM THE PARENTS 1 Fishing 1 Husband 1 I COULD WORK FOR IT 1 Maize sales 1 My shop 1 PIECE WORKS 1 Piece Works 1 Rely on selling livestock 1 SALARY ADVANCE 1 SELLING MAIZE GRAINS 1 Sale own agriculture produce 1 Sell crop produce 1 Sell maize at the market 1 The selling of maize 1 Unless i work 1 Would still sell crops 1 ask from parents 1 borrow 1 borrow from boss 1 borrow from chilimba group 1 borrow from employer 7 borrow from family members 1 borrow from friends 2 borrow from micro loans 1 borrow from my employer 1 borrow from work 1 bprrow from mobile money 1 business 10 business money 1 bussinnes money 1 by seliing livestrock(goats,pigs) 1 call family member where have kept 1 can sell livestock 1 can't affotd to find the money in 3 days 1 cannot manage 1 cant mannage 1 cant raise it 1 charcoal sales 1 children 1 chilimba 1 company 1 do more extra work 1 do more piece works 1 do piece of work 1 do piece works 1 do some piece works 1 employer 1 family and friends 1 farm produce 1 find piece work 1 fishing 1 from business 1 from bussiness partner 1 from cureent business 1 from farming 2 from husband 2 from my business 1 from my bussiness 1 from my children 1 from my employer 1 from my income 1 from my other business 1 from our business 1 from rentals 1 from selling fish 1 from the bank 1 from the business 1 from the saloon business 1 from the shop 2 from work 1 get from friend 1 get from village banking 1 get money from work 1 get salary advance from employer 1 get salary advance from work 1 getting an advance 1 grocery store 1 he sold maize 1 her aunt pays 1 her own business 1 i can go to NHC group 1 i can start a business 1 i would do a piece work to raise the money 1 i would go to the river to fish and then sell late 1 i would sale maize 1 i would sell the maize to raise the money 1 mobile money 1 money from farming 1 money from the shop 1 my family 1 my husband 1 my institution 1 no source 1 not able to 1 not possible 1 parents 2 parents savings 1 personal business 1 piece of work 1 piece work 10 piece work jobs 1 piece works 1 piecework 1 plait hair to get an income 1 plating hair 1 relatives 1 rely on bussiness 1 rely on chilimba 1 rely on personal business 1 rely on the business 1 rely on wife 1 safe want i have e.g maize and cassava 1 sale fish 1 sale goods 1 sale maize 1 sale of farm product 1 sale some crops 1 sale vegitables 1 sales from my gardens 1 same busness 1 sell charcoal 1 sell chickens 1 sell chisense 1 sell doors that i make 1 sell farm produce 3 sell farm produce and livestock 1 sell livestock 2 sell mainze 1 sell maize 1 sell my crops 1 sell my crops(cassava) 1 sell my produce 1 sell some farm produce 1 sell the inputs 1 sell vegetables 1 selling any livestock to cover up the expense 1 selling crops 1 selling fish 1 selling maize 2 selling of livestock 1 selling some of his household property 1 she does sold maize 1 sold goods. 1 spouse 1 start looking for other outlets of income 1 the business 2 through selling charcoal 1 through working for other people 1 we keep money in the house 1 will still get a loan from mobile money account 1 withdraw 1 work 1 work extra 1 work extra hard 1 work for it 1 work hard to get the money 1 work harder 1 would get from my business 1 would sell charcoal 1 would work we extra hard 1 wouldn't raise it 1 E.22.3 What would be your MAIN source of money if you needed it in 1 week? 2932 9849 1 Savings 1057 2 Rely on savings group social fund 49 3 Borrow from a bank 51 4 Borrow from microfinance institution such as Madison Finance 20 5 Borrow from microlender such as Innovate 9 6 Borrow from a savings and credit cooperative (SACCO) 7 7 Borrow from savings group 57 8 Borrow from moneylender/kaloba/shylock 68 9 Borrow from family/friends 620 10 Rely on family and friends for gifts 344 11 Rely on the community for gifts 15 12 Sell something that I bought for this purpose 128 13 Sell something not intentionally bought for this purpose 173 14 Cut back on expenses 32 15 Cut back on meals 5 16 Take children out of school 0 17 Claim insurance 0 18 Other, specify 245 19 Don?t know(Do not read out) 42 20 Refused to Answer(Do not read out) 10 Sysmiss 9849 E.22_3_S. Specify what your main source of money would be if you needed it in 1 245 0 "he does sold crops e.g maize 1 "she does sold crops as well" 1 BORROW FROM EMPLOYER 1 BORROW FROM FRIEND 1 BORROW FROM MOBILE MONEY OR PEOPLE IN COMMUNITY 1 BORROW FROM MTN 2 BORROW FROM MY SUPERVISER FROM SCHOOL COFERS 1 BORROW WITHOUT INTREST 1 BUSINESS 3 Borrow ftrom the chairman in the compound 1 Can burn charcoal and sale 1 Collect from people owning 1 DO PIECE WORK 1 Employer 1 FRIENDS 1 FROM THE PARENTS 1 Fishing 1 GET A SALARY ADVANCE 1 Hustling for it 1 MY BUSINESS 1 PIECE WORKS 1 Rely on selling livestock 1 SELLING OF MAIZE GRAINS 1 Sale farm product 1 Sale of livestock 1 Sell crop produce 1 Sell crops 1 Sell maize at the market 1 Sell something from the garden and livestock 1 Selling Maize 1 The selling of maize 1 Unless i work 1 WORK EXTRA HARD 1 Would have made it at work 1 ask from my dad 1 borrow 1 borrow from boss 1 borrow from chilimba 1 borrow from employer 5 borrow from micro loans 1 borrow from mobile money 1 borrow from the friend because there is no intrest 1 borrow from work 1 brew some beer to sell 1 business 10 business money 1 business she runs 1 bussiness partner 1 bussinnes money 1 by selling livestrock(pigs,goats) 1 can do a experience 1 can do peace work 1 can go fishing in the lake 1 can still sell charcoal 1 can work for it 1 cant find it 1 catch fish and sell as well as work for others 1 catching fish to sale 1 charcoal salels 1 chilimba 1 company 1 do a piece work 1 do a piece work to raise money 1 do business 1 do extar work 1 do fishing 1 do peace work 1 do piece work 3 do piece works 1 do piece works/ extra work 1 do pieceworks 1 do some casual work 1 do some piece work 3 do some work 1 employer 1 farm produce 1 farm produce and livestock 1 find piece work 1 fishing 1 from business 5 from employer 1 from farming 1 from fishing 1 from husband 2 from my business 2 from my children 1 from my employer 1 from my shop 1 from other business 1 from our business 1 from salary advance 1 from selling fish 1 from stationery business 1 from the business 2 from the fishing business 1 from the saloon business 1 from the savinggs at the bank 1 from the shop 3 get an advance from work 1 get from family 1 get from village banking 1 get money from work 1 getting an advance 1 grocery store 1 hard work from a business 1 he better work for it 1 her aunt pays 1 i would go fishing and later sell the fish 1 i would sale maize 1 i would sell the maize 1 in building 1 income from pieceworks 1 institution i work for 1 look for peice work 1 mobile money 1 my children 1 my employer or workmates 1 my family 1 my husband 1 my parents 1 my wife sells beer and i'd sell charcoal 1 offering services-transport 1 own money earned from farming 1 parents 2 parents savings 1 personal business 1 piece of work 2 piece work 8 piece work and sell so!e personal items 1 piece work jobs 1 piece works 2 piecework 1 plait hair to get an income 1 relatives 1 rely on business 2 rely on bussiness 1 rely on chilimba 1 rely on my friend 1 rely on the business 1 rely on wife 1 rentals 1 salary 1 salary advance 1 sale crops 1 sale fish 1 sale goods 1 sale my maize 1 sale own agriculture produce 1 same busness 1 seling some of his household property 1 sell alivestock 1 sell charcoal 1 sell chickens 2 sell chisense 1 sell farm produce 2 sell farm produce/livestock 1 sell fish 2 sell goats 1 sell goods 1 sell livestock 2 sell mainze 1 sell my crops 1 sell of livestock 1 sell some farm produce 1 sell some maize 1 sell the inputs 1 sell things in my shop 1 sell traditional beer 1 selling charcoal 1 selling doors i make on my own 1 selling fiah 1 selling livestock 2 selling maize 1 selling of farm produce 1 sold crops 1 sold crops e.g maize and save. 1 spouse 1 still sale vegitables 1 take more driving assignments 1 the business 1 through business 1 through family 1 through peice works 1 through selling chacoal 1 use the money we keep in the house 1 village bank 1 work 1 work extra hard 2 work for it 1 work for it,through pieceworks 1 work had 1 work hard 1 work hard to get it 1 work hard to get the money 1 work harder 2 work more hard 1 would give one of the belongings as surity 1 would raise it through bycicle repairing 1 E.23 Are you doing anything to make sure you have money for the things you want 12714 67 1 Yes 4200 2 No 8514 Sysmiss 67 E.24 What are you doing about it now? 4201 8580 1 Bought an asset to sell later when I need the money 241 2 Bought/started a business to generate money 1199 3 Invested in property to rent out 196 4 Saving/putting money aside 1485 5 Other, specify 1080 Sysmiss 8580 E.24_S. Specify what you are doing about it. 1080 0 "from gardening" 1 "he does farming and gardening" 1 "he does farming and piece works" 1 "he does farming" 2 "he does sold millet and charcoal." 1 "she does farming at the moment and sold fish" 1 "she does farming e.g chitemene farming" 1 "she does farming" 1 AM NOT DOING ANY THING ABOUT IT 1 Agriculture 2 Already old and relyimg on business and pension 1 Am farmimg producing vegtables 1 Am improving my mechanics skills 1 Am looking for money to buy land 1 Am selling maize and chacoal 1 BUSINESS 2 BUSINESS, CHILIMBA ETC 1 BUSSINESS 2 BUY LAND FOR FARMING 1 BUYING SOME LIVESTOCK 1 Bought Land for farming 1 Bought Livestock 3 Bought livestock 1 Business 1 Buying Livestock 1 Buys and resales fish 1 By growing more crops 1 Chicken rearing 1 Consitency in Farming 1 Cultivating Vegetables. 1 DEPEND ON FARMING 1 DOES GARDENING 1 DOING BUSINESS 2 DOING CHILIMBA 1 DOING FAMING 1 Does plumbering 1 Doing business 2 Doing farming as part time. 1 Doing nothing yet 1 Doing peace work 1 Doing some farming 1 EDUCATION 1 FARMING 21 FARMING BUSINESS 1 Farmig 1 Farming 30 Focusing on raising the Vegetable sales. 1 Gardening 4 Gardening and livestock keeping 1 Growing Vegetables for sale 1 Growing more crops 1 Growing some garding products like vegetables, etc 1 Growing vegetables 1 HARD WORKING ON CHAROAL BUSINESS 1 He is openning a field. 1 I DO PIECE WORKS SOMETIMES 1 I have a desire but have no means 1 I intend to own my own farm 1 I'm helping my parents in their business 1 IAM IN FARMING 1 IAM. STUDING HARD AT SCHOOL 1 IMPROVING THE BUSINESS 1 IMPROVING THE FARMING BUSINESS 1 INCREASE ON FARMING LAND 1 INVEST IN CHARCAOL BURNING 1 INVESTED IN BUSINESS 1 INVESTING IN FARMING 1 Improve the Bricklaying venture 1 Improving on the business 1 Increase faming production 1 Increase farm production 1 Increase production of farming 1 Increasing farming hectarage 1 Increasing the yield in farming. 1 Increasing the yield of farming. 1 Intend to acquire land for farming 1 Intesifying farming 1 Introducing new crops to the garden. 1 Invest more farming 1 Investing in Land 1 Investing in farming 2 Investing in livestock 1 Job hunting 1 Keeping livestock to sell if in need of anything 1 LOOKING FOWARD TO POSTED I HAVE TEACHING 1 Land for farming 1 Livestock Sales 1 Looking for a job 1 Looking for employement. 1 Looking for funding to put in the shop 1 MEMBER OF SAVING GROUP 1 MUSIC 1 MY PARENTS TAKES CHARGE 1 Mining gold 1 NOTHING 3 Nothing 4 Nothing yet 1 Opened a garden 1 Opening a field for faming 1 Other business activities 1 PAID MONEY FOR FISP FERTILIZER 1 PLANINNG TO START A BUSINESS 1 PLANNING TO GO BACK TO SCHOOL 1 PLANNING TO START UP A BUSINESS 1 PUTTING MORE EFFORT IN FARMING 1 Part time Farming 1 Phone repairs income 1 Planning to buy livestock 1 Plans to buy more Fertilizer to Farm more 1 RESPONDENTS WANTS TO START SAVING WITH AIRTEL MONE 1 RUNNING A SMALL BUSINESS 1 RUNNING MY OWN BUSINESS 1 Raise livestock 1 Raising Money through part time bricklaying 1 Rearing goats 1 Respondent makes woven mats as a partime venture 1 SAVING WITH MOBILE MONEY 1 SELLING FISH (BUSINESS) 1 STARTED FARMING 1 STARTING ABUSINESS 1 STUDYING IN SCHOOL 2 Selling firewood 1 Selling part of Livestock 1 Soliciting for more bricklaying peaceworks. 1 Spots 1 Started farming 4 Started gardening 1 Started gardning to produce vegetables 1 TO BUILD OWN HOUSE 1 TRYING TO WORK HARD 1 Through farming 1 To increase farming production 1 To invest in business 1 To start business 1 WAITING FOR YOUTH EMPOWERMENT TO START A BUSINESS 1 WAITING YOUR TEMINAL BENEFITS TO START A BUSINESS 1 WANT TO SAVE FOR A BUSINESS 1 WANT TO START A BUSINESS 1 WANT TO START UP A BUSINESS IN FEW WEEKS TIME 1 WANTS TO PEE?N MOBILE MONEY BUSINESS 1 WORK HARD AT MY FARM 1 WORK HARDER AND IMPROVE THE BUSINESS 1 WORKING EXTRA HARD IN THE FIELD 1 WORKING HARD ON MY FARM 1 WORKING HARD TO GROW MORE CROPS 1 WORKING HARDER ON THE FARM 1 Want to acquire a land for farming 1 Want to expand on farming activities 1 Want to invest in a plot 1 Want to invest in farming 1 Want to plant high yielding crops. 1 Want to start charcoal business 1 Want to start running a shop 1 Will invest in Business 1 Working renting a farm to expand farming 1 Yes i have educated my kids 1 agriculture 7 also planning on planting maize and impwa. 1 am a builder 1 am doing toiloring 1 am investing in my childrens 1 am selling fish 1 am selling local beer 2 awaiting payments from the piece work done 1 belong to a chillimba 1 borrow from family membar 1 bought a farm land 1 bought a farming land 1 bought a plot to build and later rent out 1 bought a plot to start building a house to rent ou 1 bought cassava for saling 1 bought cows 3 bought farming land 1 bought fertiliser for farming 1 bought goats 1 bought land for faeming 1 bought livestock 3 bought livestock and farming equipment 1 bought livestock to sal later 1 bought livestock to sell later 1 bought more fishing equipments 1 brewering alcohols e.g kachekele and katata 1 brewing local beer 1 brick laying 1 bricklaying 1 build a good house 1 building a house 3 building a house for rent 1 building and buying of animals 1 building houses 1 built a house for rent and do some farming 1 burnimg charcoal 1 burning bricks 1 business 16 business fishing 1 business nail art 1 business(stone deller) 1 business, selling fish 1 busnes 1 busness 2 buy fertilizer 1 buy livestock 3 buying and selling beans,selling munkoyo 1 buying and selling of fish 1 buying faming imputs 2 buying farming imputs 1 buying fishing equipments to catch more fish 1 by doing piece work 1 by selling kapenta 1 by working extra hard 1 by working hard 2 capentry 1 capentry work 1 cattle rearing 1 charcoal burning 1 charcoal burning and brick making 1 cocentrate on Farming 1 collecting firewood to sell 1 continue farming 1 continue with the farming of rice 1 continue working extra hard 1 current business 1 currently nothing 2 curving cooking sticks 1 depend on church 1 do farming 1 do not have enough money 1 do peace work 1 does farming 1 does gardening 1 doing a business 1 doing a bussiness 1 doing a lot of farm work 1 doing a small bussiness 1 doing a small trading business 1 doing business 8 doing capentry and selling what is made 1 doing faming 1 doing farming 4 doing gaderning 1 doing garden 1 doing more work 1 doing my bisness 1 doing nothing 2 doing peace work 1 doing piece work 5 doing piece work jobs 1 doing piece works 3 doing some piece work to raise money 1 doing tailoring 1 doing trading business 1 doing work 1 dont have enough money 1 ecucation 1 educating children 1 educating myself 2 education 8 employed @chinese bonanza (machines) 1 expanding business 1 expanding farming land 1 expanding my shop 1 expanding the farm 1 extending the farmimg area 1 extra jobs 1 extra work 2 faming 2 farm on fathers land 1 farm work 2 farming 290 farming (maize) 1 farming activities 1 farming and business 2 farming and construction 1 farming and gardening 2 farming and opened a business(bar) 1 farming and selling 1 farming business 1 farming in order to get necessary outputs 1 farming more 2 farming pineapples 1 farming planting vagetable 1 farming rice 1 farming to meet the expenses 1 farming(seling vegtables) 1 farming, honey collecting and etc 1 farming,gardening(selling vegtables) 1 farming. 1 finshing 1 fishing 1 fishing and farming 1 fishing business 1 fishing more 1 fishing&farming 1 focused on school 1 foreign exchange business 1 from the rentals 1 furthering education 1 garden 2 gardening 15 gardening (rape and tomatoes) 1 gardenning 1 gardens 1 go for piece works 1 go to college 1 goes for peace work 1 going to driving school 1 going to schoo l 1 going to school 8 going to the farm 1 grow vegetables 1 growing tomato 1 harvesting 1 harvesting cassava to come and sell in future 1 has a business (shop) 1 have intention to save when l have 1 have land 1 have mynown business 1 he does farming. 1 he has started a small business 1 her with the husband built a houses in town 1 hot culture 1 i am doing business 1 i am doing piece work 1 i can beit a big house 1 i can borrow the money 1 i doing bussiness(iam a trader) 1 i fishing and farming 1 i have invested in farming 1 iimproving my farming 1 improve my farming 1 improve my farming activity 1 improve on farming business 2 improving mechanics 1 increase my farming land 1 increase production in terms of farming 1 increase the livestock 1 intending to go back to school 1 invest in buying more livestock 1 invest in farm 1 invest in farming 1 invest when i finish school 1 invested in cattle 1 invested in livestock 2 invested in livestock rearing 1 investing in education 1 investing in farming 1 investing in livestock so that when in need she se 1 involved in gardening 1 involved in gardening and poultry 1 job hunting 1 just Farming 1 just farming 3 just farming so that i save for the future 1 just in farming 1 just planing 1 just planning now 1 keep brewing ilicity beer 1 keep goats and chickens 1 keep livestoke 1 keep on farming 1 keeping animals 1 keeping chickens 2 keeping farming 1 keeping goats 1 keeping livestock 2 keeping livestock like chicken and goat 1 keeping livestock that will be sold in future 1 keeping livestock/farming 1 keeping on working 1 keeping some farm produce 1 keping on farming 1 kept some farm produce 1 kept some farm prodyce 1 kooking for good job 1 learning (education) 1 learning cfu growing crops 1 lending money 1 livestock 2 livestock keeping 1 looking for capital 1 looking for employment 5 looking for job oppotunities 1 looking for money 1 looking for rmployment 1 looking for work 1 maize farming 1 major in building 1 making a garden 1 making beer 1 making reed mats for sale 1 marking garden 1 marriade 1 mostly farming 1 my current business 1 no reason 1 none 2 not applicable 1 not statrted anything 1 not yet started 1 nothing 5 nothing as at now 1 nothing because of low income 1 nothing gets paid less money 1 nothing yet 1 our business 1 own business 1 owrks at Zampalm 1 parrt time jobs 1 part time employment 1 part time job 1 peace working 1 pension 1 pensions 1 personal business 1 piece work 11 piece work carrying burnt bricks for other h/holds 1 piece works 3 pineaple farm 1 plaining to start a business 1 planing to do business projets 1 planing to do family 1 planning 2 planning on starting a business 1 planning on starting up a business 1 planning to buy a farm 1 planning to cultivate 1 planning to grow more crops than last season 1 plant more cassava 1 planted maize on a larger scale 1 planting and selling cassava 1 planting cassava 1 poultry business 1 prepared to do any peace work 1 preparing a big land for farming 1 preparing land for farming 1 preparing land for farming (stamping) 1 preparing land to cultivate 1 producing charcoal and selling cassava 1 pursuing an education 1 pushing a wheel barrow 1 put effort in my studies 1 put in business 1 raising cattle 1 rearing chicken 1 rearing chickens 1 rely on family 1 rely on farming 1 relys on the rental income 1 rentals 1 returning to work 1 rice farming 1 rising livestock 1 run a bussiness 1 runinng business 1 running a business 1 running a small business 1 running a txi 1 running business 1 saving farming products 1 saving in farming 1 saving to buy a plot 1 school 1 schooling 1 seling chaco 1 sell cassava 1 sell livestock 2 sell wood 1 sellimg maize kept 1 selling charcoal mukoyo 1 selling crops 1 selling farm produce 2 selling farming produce 1 selling firewood 1 selling fish 1 selling frighters and fish to generate income 1 selling groceries 1 selling local beer 1 selling things 1 selling timber 1 selling vitumbuwa and munkoyo 1 sending a child to school 1 sending children to school 1 sews doormats 1 she does farming e.g millet, cassava and groundnut 1 she does gardening at the moment. 1 she dos piece work somerimes 1 she has kept beans for farming so as to get money 1 she is working at zampalm 1 small business 1 sold crops e.g maize & groundnuts 1 sold fish. 1 sold various alcohol. 1 sports ,rugby 1 start a business 3 start farming 2 started Farming 1 started a business 4 started a bussiness 1 started a garden 1 started doing a garden 1 started farming 2 started part time job 1 started up a business 1 starting a business 1 starting up a business 2 still at school 1 still in school 1 still planning 2 still thinking on it 1 study hard at school and get a better job 1 study hard to earn a well paing job in future 1 studying 1 studying hard for my education 1 studying hard so that can start working 1 tailouring and hairdresser 1 take chaco for saling 1 taking children to schol 1 taking children to school 1 taloring 1 technology expert 1 thaching a house 1 they are not doing any thing about it 1 through business 1 through business\\farming 1 through farmimg 1 timber business and farm work 1 to be a farmer 1 to build a house 1 to do farming and fishing 1 to have un oppotunity of geting a well paid job 1 to plant more crops for sale 1 to start a business once money is available 1 to start business 1 tryimg to raise money to start a buesinues 1 trying to boost my business 1 trying to do bussiness 1 trying to do piece work 1 trying to find something to do 1 trying to get farming inputs 1 tying to do bussiness 1 venturedb in farming as family 1 video production 1 want to buy a plot 1 want to educate myself more 1 want to reopen her bar 1 want to start a business 4 want to start fish farming 1 wanting to expand my farming area 1 wants to invest in livestock 1 wants to start a business 1 what to do business 1 will buy land 1 will start a business 1 work 2 work at school and earn good salary 1 work extra hard 2 work extra hard/farming 1 work for a fisherman at a price 1 work hard 1 work hard so that can have enough money to save 1 work more 1 work on farm produce 1 work part time 1 working 5 working (teachin) 1 working extra hard 2 working extremely hard 1 working for someone 1 working had to complete school 1 working hard 6 working hard at school 2 working hard farming 1 working hard on school 1 working hard so can earn more money 1 working hard to find a job 1 working partime as bricklayer 1 working so hard 1 working to help the family 1 E.25 We all have something that we would like to do or get for ourselves and our 12714 67 1 Car/vehicle 455 2 Land/farm 2821 3 House 3468 4 Large appliances for the household 345 5 Farm equipment 906 6 Education 1358 7 Start a business 2277 8 Other, specify 1084 Sysmiss 67 E.25_S. Specify what that will be for you. 1085 0 1 "built a big house with iron sheets roof" 1 "he want to built iron roofed house" 1 "nothing just eating" 1 "only foods" 1 A JOB 1 A boat 1 AM OLD NOTHING 1 Aged 2 Alrsady old and can not plan 1 Animals for our far 1 Animals/Livestock 1 BICYCLE 2 BOOST MY BUSINESS 1 BOREHOLE ( WATER SYSTEM) 1 BUY A BICYCLE 1 BUY A HAMMER MILL 1 BUY GOTS FOR RAISING 1 BUY LIVESTOCK 1 BUY POTS AND PLATES 1 BUYING A CAR 1 BUYING CLOTHES 1 Bible 1 Bicycle 5 Boat 1 Boat can be purchased 1 Boost my business 1 Build a house and start up a business,education 1 Buy Livestock 2 Buy a blanket for my grand child 1 Buy a phone 1 Buy a tipper truck,build a house 1 Buy cattle 7 Buy clothes and toys for the grand children 1 Buy cows 1 Buy food for my family 1 Buy goats 1 Buy goats (livestock) 1 Buy livestock 3 Buy more animals 1 Buy roofing sheets for the house 1 Buying Livestock 1 Buying and selling fish 1 Buying cow 1 Buying food 1 Buying food and clothes 1 Buying iron sheets 1 Buying of livestock 1 CATTLE 2 Can purchase boat 1 Cattle 6 Cattle and goats 1 Clothes 1 Clothing and a bicycle 1 Developing the farm 1 Doing Nothing 5 Doing nothing 2 Don't have any plans 1 EXPAND HIS BUSINESS 1 EXPAND THE BUSINESS 1 Educate her children and start up a business 1 FERTILIZER 1 FINISH BUILDING THE HOUSE 1 FOOD 1 Foodstuff 1 GIVE HELP 1 GROW HER CURRENT BUSINESS 1 HAVE A BOREHOLE TO BE ABLE TO WATER GARDENS 1 Hammer mill 1 Hammermeal 1 Hammermill 2 He has no plans for that since he is old 1 He is a sickler so depends on his parents 1 He want to by cows 1 His old and sick 1 House building material 1 I JUST WANT TO HAVE A JOB 1 I would buy goats 1 I would take myself to well treaded hospitals 1 I'm too old 1 I'm too old for that 1 IMPROVE FARM 1 IMPROVE LIVING AND EDUCATION STANDARDS OF FAMILY 1 IMPROVE MY BUSINESS 2 Im Already old 1 Im being looked after 1 Improve my house by plastering and put a floor 1 Investment 1 Iron sheets 2 LAPTOP AND VIDEO GAME 1 LIVESTOCK 1 Livestock 12 Livestock (cattle, goats and pigs) 1 Livestock (goat) 1 Livestock and Plough 1 Livestock( cattle) 1 MOTORCYCLE 1 Maintain house 1 More Cattle 1 Motor bike 2 NICE PAID JOB 1 NOTHING 5 NOTHING AT ALL 1 NOTHING SINCE IAM ALREADY OLD 1 No Plans. Because she has grown old. 1 No idea 2 No plans 3 No plans yet 1 No proper plan 1 Nohing 1 Nothing 21 Nothing am old 1 Nothing at all 1 Nothing has been put in place 1 Nothing just farming 1 Nothing since they are old 1 Nothing we are old 1 Nothing yet 1 Nothing. 2 Nothing. I have grown up 1 OTHER 1 PURCHASE A SOLAR PANEL AND DIG A BORE HOLE. 1 PURCHASE LIVESTOCK 1 PURCHASE LIVESTOCK e.g. COWS 1 Pay school fees for my grandchild 1 Phone 1 Planning to start raising livestock 1 Plough for animal traction 1 Property 1 Purchase boat 1 REFUSED TO ANSWER 1 REINNOVATE THE HOUSE AND BUY HOUSEHOLD FITTINGS 1 REINOVATE MY HOUSE 1 REINOVATE MY HOUSE , BUY NEW HOUSEHOLD APPLIANCES 1 REINOVATE THE HOUSE AND INTERIORS 1 RESPONDENT DOES NOT HAVE CAPACITY TO DO ANYTHING 1 RO EXPAND MY SISTER'S BUSINESS AND BUILD HER ! HOU 1 ROOFING SHEETS 1 Reinovate my house 1 Rent a farm 1 SHE DOESNT KNOW 1 SINCE I BOUGHT A FARM I WOULD DEVELOP MY FARM 1 START RAISING PIGS 1 START WORK 1 Sending my grand children to school 1 She is old 1 She said she is already old so she no plans 1 Sofa and bed 1 Starting up a businesd 1 TO BOOST MY BUSINESS 2 TO FINISH BUILDING MY HOUSE PROPERLY 1 TO FINISH BUILDING MY INCOMPLETE HOUSE 1 TO RENOVATE THE HOUSE 1 TO RENOVATE THE HOUSE I LIVE IN 1 TOO OLD TO PLAN FOR THE FUTURE. 1 Take herself back to school and help the family 1 Taking care of them 1 Television 1 To become a footballer 1 To his family to isreal 1 To keep family 1 To start working 1 Tree to make boat 1 UNKNOWN 1 UPGRADE BUSINESS 1 WELL PAID JOB 1 a bicycle 1 a boat 1 a plot 1 a plot(residencial areas) 1 1 aged 1 airplan 1 alot of money 1 already old 1 am not sure 1 am old 2 am old need nothing 1 am too old to do anything 1 animals (chickens and goats ) 1 animals(cows) 2 anything that will come in my mind 1 begin farming 1 bicyce 1 bicycle 14 bicycle and clothes 1 big house & vihicle 1 biggest bussiness man 1 biycle 1 blanket 1 blankets 1 boat 1 bohore 1 boost the business 1 borehole 1 brew more beer 1 build a bigger house and educate my children 1 build a house 2 build a house and buy cattle 1 build a house for my parents who have grown old 1 build a school for a family 1 build another house 1 build my family a bigger house and start a busines 1 build own house 1 building a house for rent 1 building a house. 1 building a wall fence 1 building materials 1 building shops 1 building up the well 1 buy Cattle 1 buy a bicycle 2 buy a biycle 1 buy a boat 2 buy a computer 1 buy a cow 1 buy a laptop and a bicycle 1 buy a matress 1 buy a motor bike 1 buy a motorbike 2 buy a motorcycle 1 buy a phone 2 buy a wheel chair 1 buy agricultural land and cattle 1 buy animals like cows 1 buy baby clothes 1 buy bicycle for my dad 1 buy bicycle for self 1 buy bycle 1 buy cattle 18 buy cattle and land 1 buy cattles 1 buy cement ,sofa and television 1 buy chickens and livestock 1 buy clothes for my children 1 buy clothes for my children and nice food 1 buy clothing 1 buy cows 8 buy cows and goats 1 buy food and fertilizer 1 buy for them livestocks 1 buy goats 2 buy good and new things for his children 1 buy live stock like a cow 1 buy livestock 24 buy livestock - cattle 1 buy livestock for farming 1 buy livestock like cattle and goats 1 buy livestock to enhance our farming 1 buy livestocks 1 buy living expenses 1 buy more farming equipments 1 buy more livestock 1 buy more livestock like cattle 1 buy plenty of mealie meal 1 buy salon equipment 1 buy sofar for the house 1 buy sofas 1 buy them cattles 1 1 buying a bicycle 2 buying a bycycle 1 buying a cow 1 buying a woodmizer 1 buying animals (Cattle,goats and pigs) 1 buying brankets 1 buying byscle 1 buying cattle 7 buying cattles 1 buying cattles for future use 1 buying clothes 2 buying clothes for them 1 buying cows 2 buying farm equipment and livestocks 1 buying farming imputs 1 buying farming input 1 buying fertilizer 2 buying food 2 buying furniture 1 buying groceries 1 buying lifestock 1 buying livestock 8 buying livestock for children 1 buying livestock like goats and chicken 1 buying my parents bedings 1 buying pigs for sale 1 1 buying them cattles 1 buys clothes, buy gots, cow and a house 1 can not get the money 1 cannot plan minus having money 1 cant do anything 1 capital for purchasing fish for sale 1 catle for farming 1 cattle 17 cattle and educating children 1 cattle for farming 1 cattle rearing 1 chigayo 2 chitenge 2 church work 1 clothed forbmy family 1 clothes 15 clothes and food 2 clothes for husband annd herself 1 clothes for my family 1 clothes for the baby am expecting to have 1 clothes,etc 1 clothing 2 cloths and phone 1 connecting electricity to the housing unit 1 cows 7 cows and home things like radio/television 1 cupboard 1 designer clothes 1 develop farm 1 develop land 1 develop my career 1 dig a borehole in the yard 1 do good to my family 1 do not need anything 1 does mot know 1 does not apply because of old age 1 does not have plan 1 doesnt know 2 don know 1 don't know 4 don't want to achieve anything 1 dont have 1 dont have any plan 1 dont have any plans since iam kept by my sister 1 dont have money 1 dont haven plans for that 1 dont know 2 dont think of anything 1 drinking beer 1 driving course 1 due to illiness cant think of anything 1 economical freedom 1 electricty 1 electrify the house 1 enough food for the family 1 equipment for fishing 1 expand agriculture 1 expand business 1 expand on business 1 expanding the fishing produvction 1 failed to respond 1 family 1 farm 1 farm and cattle 1 farm animals 1 farm house 2 farming 12 farming and buying cows 1 farming equipments 1 farming inputs 1 fertiliser 8 fertilizer 23 fertilizer and livestock 1 fertillizer 1 fertlizer 1 fertlizer and seeds 1 financial stability 1 fish business 1 fish equipment 1 food 6 food and clothes 1 food and lotion 1 food and medicine for my sick husband 1 food only 1 food provision 1 for now nothing 1 get a drivers licence 1 getting a chitenge 1 getting an electrician license 1 giving them money 1 go back to school 1 goats 3 good health 1 grinding meal 1 grinding meal ( chingayo) 1 grow my business 2 hammer meal 1 hammer mil 1 hammermill 1 has no plans for that. 1 have all things needed at home/house(e.g. utensils 1 have livestock 1 have money 1 have no plan 2 have no plans 2 having livestock like cattle 1 help family 1 help family financialy 1 help family members in need 1 help my family 1 help the needy 1 help the poor 1 honder 1 household goods such as radio 1 household sofas 1 hummermill 1 i am old i cant work 1 i can buy cattle 1 i can buy goats 1 i dont have,retired 1 i dont know 2 i dont need to do any thing am too old 1 i have got no plan 1 i have grown up i have no futture plans 1 i hv no plans 1 i need to take care of my health 1 i want build a big shop start a business 1 i want buy a plot 1 i want buy cattle 1 i want my business to grow 1 i want to buy a boat 1 i want to buy a plot 1 i want to buy catle 1 i want to buy cattle 2 i want to buy cattle and an oxcart 1 i want to buy goats 1 i want to buy livestock(cattle and goats) 1 i want to own cattle and many livestock 1 i would build a church 1 i would buy cattle 1 ichingayo 1 if money is available a house 1 improve business 2 improve my business 3 improve my farming 1 improve my health 1 improve on business 1 improve the standard of living for my family 1 increasing the fish production 1 innovate the house 2 insure all the members 1 invest in children 1 invest in livestock 3 invest in real estate 1 investing in real estetes 1 iphone 1 iron sheets 3 iron sheets for roofing 1 just buying food 1 just eating 1 just to work extra had 1 keeping livestock 1 keeping livestocks eg goats 1 keeping of animals 1 land 1 land and hummer mill 1 land to build house 1 live stock 7 livestocck 1 livestock 74 livestock (cattle) 2 livestock and beddings 1 livestock animals 1 livestock e.g cattle and goats 1 livestock like cattle 1 livestock(goats and cattle) 1 livestock/plough 1 livestocking 2 livestocks 3 livestoct 1 livestocts 1 livestokes 2 living well 1 livstock 1 lmprove my business 1 maize seeds 1 marrige 1 matress 1 meal grinder 2 medical expenses 1 medicals 1 miller machine 1 milling machine 1 money 6 money and clothes 1 money for sustainance 2 money is for other things 1 money to buy livestock 1 more animals like cattle and goats 1 motor bike 7 motor cycle 4 motorbicycle 1 motorbike 7 motorcycle 2 need financial assistance 1 ng'ombe 1 no 1 no any other 1 no idea 1 no need 5 no other way 1 no plan 5 no plans 12 none 12 not applicable 3 not doing anything 1 not for now 1 not mentally stable cant respond 1 not sure 3 nothing 53 nothing am doing 1 nothing am old 1 nothing because of old age 2 nothing disabled 1 nothing for now 2 nothing much;retired 1 nothing no plans 2 nothing too old to work 1 old age 2 old age cant do anything 1 old age don't have any plans 1 old age. dont plan anything 1 old and kept by grand children 1 old enough to save 1 own cattle 1 own needs 1 owning livestocks 1 oxcart 1 oxcat 1 oxen 1 phone 3 phorow 1 piecework 1 plating hair 1 plot 1 plough 1 pots 1 powersaw 1 produce songs 1 purchase Boat 1 putting electricity at the house 1 raise a large amount of cattle 1 raise the standard of living for my children 1 raise the standard of living for my family 4 raise the syandard of living for my children 1 real estate 1 reduce poverty in the family 1 refused 1 refused to mention that its a secret 1 relocate from the country 1 renovate her house and make it larger 1 renovate the house 3 rentals 1 respondent says to buy goats 1 roof for the family in the village 1 roofing 1 roofing sheets 1 salon equipment 1 save the money 1 saving money for them if i can 1 savings 1 school children's uniforms 1 seed for farming 1 seed,fertizer,plough 1 she does plan to buy plot 1 she doesn't do anything 1 show them farming 1 smart phone 1 sofa 1 sofas 1 speedboat 1 start a job 1 start driving school 1 start her own school 1 start keeping alot of livestock 1 start work 1 start working 2 staying comfortable 1 stock up on food 1 support the family 1 take care of my family 3 take care of my family and other people 1 take my kids to a better school 1 the respondant is not sure 1 thi boy is just a receiver 1 to be well prepared for emergencies 1 to buy a house 1 to buy a phone 1 to buy cattle 1 to buy farming tools 1 to expand my business 1 to give pack the communi. to help the vournarable 1 to have enough food 1 to improve on farming 1 to improve on the standard of living 1 to make sure that every need of households are met 1 to take care of his family 1 to travel the world 1 too old 3 too old for that 1 too old to do any work 1 too old to have those plans 1 too old to start any thing 1 travel around the world 1 vacation 1 want to buy livestock 1 wants a bicycle 1 wants to get a motorbike 1 when i finish school thats when i can think of tha 1 wielding equipent 1 will buy things we dont have 1 work on the farm which was left for him 1 wouil love to raise the standard of living 1 woul love to buy livestock for my family (cows) 1 would love to build a shop 1 would love to build my parents a house 1 would want to buy goat 1 E.26 How will you MAINLY ensure that you have money to meet your needs when you 12713 68 1 Savings 1600 2 Children 1947 3 Land/property 947 4 Own business 2179 5 Rental income 361 6 Shares 10 7 Farming/agriculture/livestock 2721 8 Pension 199 9 Insurance policy 17 10 Don?t know/have no plans 2376 11 Other specify 356 Sysmiss 68 E.26_S. Specify how you will mainly ensure that you have money to meet your need 356 0 Ask from Relatives 1 Ask from household members and family 1 BUSINESS 1 Building houses to put on rent 1 Business 1 Buy cows and sell later on 1 By working extra hard by now 1 DEPEND ON FAMILY 1 DO NOT KNOW 1 Do more work 1 Do. business 1 Does nothing 1 EDUCATION 1 Educating my self 1 Education 3 Education. 1 FAMILT 1 FAMILY 2 FINISH MY EDUCATION AND START WORK 1 FROM FAMILY 1 FROM PARENTS 1 Farm business 1 Farming 1 From my cows 1 Go to school and get a good job 1 Grand Children 1 Grand children 1 HAVE PLANS TO OPEN A SAVINGS ACCOUNT 1 HAVENT THOUGHT ABOUT IT 1 His farm 1 Hustle while still young 1 I DEPEND ON MY DAUGHTER 1 I will be a nun 1 IN MY INVESTMENTS 1 Invest 1 Investment in goods 1 Keeping cows 1 MONTHLY PENSION 1 Mobile 1 No idea 1 Nothing 2 Putting the shop and the house on rent 1 Rely on my spouse 1 Rely on parent 1 Rely on relative 1 Rent out my assets 1 START WORKING 1 Start business 1 Start up a business 2 TO COMPLET MY SCHOOL AND START WORK 1 TO DO BUSINESS 1 TO HAVE OWN SHOP 1 TO JOIN GOVERMENT SO THAT I CAN HAVE PENSION 1 They have nothing since they are old 1 Through farming 1 Through the help of family members 1 To be a teacher 1 To look for work after My School 1 When I start Work 1 When employed 1 Will depend on my husband's pension 1 Work 1 Work extra hard 1 aged 1 alread old 1 already old 3 already old and kept by grand children 1 am old l can't do anything 1 ask family for help 1 ask from family for capital 1 being a musician 1 betting 1 borrowing from an organisation 1 build houses in town 1 building a house to rent out 1 building houses 1 burning chaco 1 burning charcoal 1 business 5 buying a vihicle 1 buying alot of cattle to use in future 1 buying livestock 1 buying livestocks to keep 1 by having livestock 1 chacoal burning 1 charcoal burning 2 children 2 children education 1 children will keep her 1 continue fishing 1 continue with the part time job. 1 depend on family 1 do business 1 do more jobs 1 do piece work 1 do piece works 2 doing business 1 doing nothing 1 doing piece works 1 don't know currently have no money 1 dont have enough money to save 1 dont save, maybe will start saving later 1 educate children 1 educate my children 1 educating someone 1 educating your children so that they look after me 1 education 10 education first 1 education oneself 1 expand business 1 expand on farming 1 expanding on business 1 family 1 family and friends 1 family members 1 family to help 1 farmily 1 farming 13 1 finding employment 1 fishing 7 from any caring person 1 from farming 1 from my spouse 1 from parents 1 from work 1 gardening 1 get educated 1 get educated and get employed 1 getting educated 1 getting educatef so that i can start working 1 getting from spousw 1 go to school 1 goat and chicken farm 1 government 1 government will help 1 grow cassava 1 handouts 1 has no plan 1 have not implemented anything yet 1 have plans but no money 2 i depend on my children 1 i don't know 1 i dont consider that because i have no money 1 i dont have 1 i m a student 1 i plan to start saving money 1 i will be selling chickens 1 i will start saving 1 i would reply on well wisers to assist me 1 i'm already old and don't need such 1 iam already old and doing nothing 1 im old cant do anything 1 inverstment 1 invest 3 invest in a business 1 invest in livestock (buy more) 1 investing 3 investment 1 investments 2 investments in houses 1 just stay home 1 just thinking about it 1 just thre work i do 1 just to work extra hard now 1 keep livestock 1 keep money aside for the future 1 keeping goats 1 keeping livestock to be sold for this situation 1 l will be farming 1 livestock 2 looking for work 1 make charcoal 1 make sure i educate myself so i get a good job 1 make the right investments 1 maybe capital 1 my childrens and saving 1 my current business 1 my farmily will help me 1 my small business 1 never thought about that 1 nieces and nephews 1 no contact 1 no mention 1 no money is available to make future plans 1 no plans 2 no plans yet 1 no plans yet because of not working 1 no plans yet has never thought about it 1 non of the above 1 none 4 none of the above 1 northimg 1 not applicable 2 nothing 23 nothing for now 1 nothing in place 1 nothing to do, unless someone comes and help me 1 nothing yet 1 nothing. 1 old age no plan 1 only worried about her children 1 parenst 1 parents 3 parents will pay for me 1 peacework 1 pice workinging 1 piece work 3 piece works 4 raising cattle 1 rearing chickens 1 refused to answer 1 rely on children 1 rely on family 1 rely on family for help 1 rely on government support 1 rely on help from sisters 1 rely on kids to support him 1 rely on parents 1 rentals 1 sales 1 save alone 1 save when she starts work 1 saving 1 savings after starting a power business 1 savings when he starts work or settle 1 sell farm produce 1 sell mainze 1 selling firewood 1 send a child to school 1 social investment 1 sold katata 1 spouse 1 spouse has savings 1 start a business 1 start banana business 1 start business 1 start permanent work 1 start work 1 start work after school and start saving 1 still planning 1 studying 1 taking all children to school 1 through farming 3 through myself improyed busness 1 through peace work 1 through piece work 1 throught the porperties 1 to complete my education 1 to do farming and fishing 1 try to work hard 1 trying hard to save but its hard 1 video production 1 waiting for children to finish school and keep me 1 waiting to find some money to start business 1 we sell charcoal 1 when i finish school and start working 1 will start working 1 work 1 work extra 1 work hard 4 work harder 1 working 4 working extra hard 3 E.27 Compared to one year ago, would you say your financial status has improved 12713 68 1 Improved 2661 2 Remained the same 3706 3 Worsened 5919 4 Don't know(Do not read out) 354 5 Refused to Answer(Do not read out) 73 Sysmiss 68 E.28.1. Do you personally keep an eye on financial matters, such as changes in: 12713 68 1 Yes 770 2 No 11943 Sysmiss 68 E.28.2. Do you personally keep an eye on financial matters, such as changes in: 12713 68 1 Yes 508 2 No 12205 Sysmiss 68 E.28.3. Do you personally keep an eye on financial matters, such as changes in: 12713 68 1 Yes 1229 2 No 11484 Sysmiss 68 E.28.4. Do you personally keep an eye on financial matters, such as changes in: 12713 68 1 Yes 728 2 No 11985 Sysmiss 68 E.28.5. Do you personally keep an eye on financial matters, such as changes in: 12713 68 1 Yes 936 2 No 11777 Sysmiss 68 E.28.6. Do you personally keep an eye on financial matters, such as changes in: 12713 68 1 Yes 646 2 No 12067 Sysmiss 68 E.28.7. Do you personally keep an eye on financial matters, such as changes in: 12713 68 1 Yes 716 2 No 11997 Sysmiss 68 E.28.8. Do you personally keep an eye on financial matters, such as changes in: 12713 68 1 Yes 405 2 No 12308 Sysmiss 68 E.28.9. Do you personally keep an eye on financial matters, such as changes in: 12713 68 1 Yes 1186 2 No 11527 Sysmiss 68 E.29.1. How do you tend to monitor the Pension Industry? 770 12011 1 General Newspapers 131 2 Financial / business pages in newspapers 41 3 Financial magazines 3 4 Benefits statement 48 5 Radio and television business and financial programs 313 6 Internet (email, web, newsfeeds, etc) 134 7 Financial advisor 29 8 Other, specify 71 Sysmiss 12011 E.29_1_S. Specify how you monitor the Pension Industy. 71 0 Broushers 1 FAMILY 1 FROM FRIENDS 1 FROM HUSBAND 1 Family and Friends 1 PARENTS 1 PEOPLE 1 THROUGH FAMILY 1 WATCHING NEWS 1 a friend 2 asks former pensionares 1 at the company 1 by asking people how to get pension 1 by checking previous development 1 by monthly contributions 1 community 1 employed friends 1 family and friends 1 former work 1 friends 1 from family members 1 from friends and people around 1 from my father 1 from others 1 from people 2 from people around 1 from people in the community 1 from relatives working 1 from school 1 from the bank 1 from the pay slip 1 from work place 1 from working friends 1 general know 1 get education from the people in the person indust 1 1 going on the website to check 1 hear from people 1 heard from people 1 i av not exprienciat it 1 i do not know 1 its quite difficult 1 my employer 1 my father was a pensionnaire 1 not interested 1 on radio 1 on radio/ television 1 on the internet 1 online 1 other people 1 pensioners 1 people employed 1 people in the community 1 people that are in formal employment 1 radio 2 regulary 1 she heard from the friend 1 the NAPSA people do visit us a lot 1 through debs office 1 through the customer care 1 through the phone 1 visit there institutions 1 visiting the firm 1 visits the relevant offices 1 vist napsa 1 when colleagues are talking about it i take part 1 work 1 workers from pension industry 1 E.29.2. How do you tend to monitor the stock market? 508 12273 1 General Newspapers 77 2 Financial / business pages in newspapers 37 3 Financial magazines 8 4 Benefits statement 9 5 Radio and television business and financial programs 220 6 Internet (email, web, newsfeeds, etc) 123 7 Financial advisor 13 8 Other, specify 21 Sysmiss 12273 E.29_2_S. Specify how you monitor the stock market. 21 0 2timt 1 BUSINESS NEWS 1 ON PHONE 1 Phone 1 at school 1 changes in stock prices 1 comparing to previous and present record 1 dont know them 1 from family members 1 from people 1 luse 1 notic rise of prices of goods 1 notice on my own 1 radio 1 school 1 through friends 1 through researches.. 1 using an application 1 when we go and order 1 work 1 work mates 1 E.29.3. How do you tend to monitor the currency (money) market? 1229 11552 1 General Newspapers 123 2 Financial / business pages in newspapers 57 3 Financial magazines 8 4 Benefits statement 10 5 Radio and television business and financial programs 631 6 Internet (email, web, newsfeeds, etc) 284 7 Financial advisor 18 8 Other, specify 98 Sysmiss 11552 E.29_3_S. Specify how you monitor the currency (money) market. 98 0 BANKS 1 Bank 1 COMMUNITY 1 Family and Friends 1 Friends and Family 1 From people 1 GOOGLE 1 Listen to what people say 1 ON PHONE 1 People( Vendors) 1 URBAN COMMUNITY 1 WHEN BUYING GOODS SUCH AS GROCERIES 1 WHEN SELLING MAIZE TO FRA 1 Work place 1 at school 1 at the bank 1 at the malls 1 at the market 1 bank boards 1 banks 1 community 1 discussing with friends 1 elder brother 1 family and friends 1 fincial institutions eg BOZ 1 friends 2 friends and neighbours 1 from my fellow marketeers 1 from people 7 from people that are selling things 1 from people when buying something 1 from school 2 from the bank 2 from the community 1 from the sellers when buying something 1 googling 1 hear from people that the dollar has risen 1 high prices 1 i dont know 1 in banks 1 in shops when buying 1 interaction with other people from town 1 internet 3 my boss's son 1 news 1 on bill boards 1 on the internet 1 people selling goods 16 people selling goods and services 3 people selling things 1 people sellings goods 3 people that are selling and buying goods 1 phone radio 1 ppeople selling goods 1 radio 1 the bank 1 through business partners 1 through his relative 1 through people 2 through price of goods and services 1 through social media 1 through the bank 2 traders 1 when goods get expensive or inexpensive 1 when prices go up 1 wholesale shops 1 E.29.4. How do you tend to monitor Interest rates? 728 12053 1 General Newspapers 82 2 Financial / business pages in newspapers 43 3 Financial magazines 8 4 Benefits statement 14 5 Radio and television business and financial programs 345 6 Internet (email, web, newsfeeds, etc) 186 7 Financial advisor 29 8 Other, specify 21 Sysmiss 12053 E.29_4_S. Specify how you monitor Interest rates 21 0 Bank 1 Goes to the bank 1 LENDING INSTITUTION 1 UPADATE ON PHONE 1 Village bank 1 banks 3 check rates displayed in the banking hall 1 doesnt know 1 from friends 1 from people 2 from the banks 1 going there personally 1 members from social groups 1 no intentions 1 phone updates bank cheques 1 through friends 1 through my current loan 1 through the bank 1 E.29.5. How do you tend to monitor Inflation? 936 11845 1 General Newspapers 121 2 Financial / business pages in newspapers 39 3 Financial magazines 9 4 Benefits statement 10 5 Radio and television business and financial programs 512 6 Internet (email, web, newsfeeds, etc) 165 7 Financial advisor 8 8 Other, specify 72 Sysmiss 11845 E.29_5_S. Specify how you monitor Inflation. 72 0 BANK 1 BUYING HOUSEHOLD GOODS 1 Community 2 DURING THE TRANSACTIONS OF HOUSEHOLD GROCERIES 1 INCREASE OF GOODS FROM THE SHOPS WHERE I ORDER 1 MONTLY BULLET FOR CSO 1 NEWS 1 SHE SEE'S WHEN ORDERING GOODS,THE CHANGE IN PRICES 1 SHOPS WHEN BUYING HOUSEHOLD GOODS 1 SHOPS WHEN SHE GOES TO PURCHASE GOODS 1 THROUGH PRICES OF GOODS WHEN BUYING 1 When i go in town 1 all the above 1 at the market 4 by observation 1 by seeing prices of goods high 1 changes in prices 1 community 2 family and friends 1 flactuations in prices 1 friends and family members 1 friends in the community 1 from buyers 1 from friemds and market places 1 from friends 1 from friends and neighbours 1 from my friends 1 from neighbors 1 from school 2 from shopes 1 from shops 1 from the community 1 from the market 1 from the market place and friends 1 general news 1 groceries 1 grocery prices 1 in the market 1 just from people 1 market 1 market and news 1 monitor prices in stores 1 no intentions 1 notic by himself 1 notice by himself 1 noticing whrn prices go 1 on the market 1 online 1 personal observation 1 price changes in comodity 1 prices of groceries 1 school 1 shops 2 through my friends 1 through people in the market 1 through prices 1 through prices of goods and services 1 through stock exchange 1 through the banks 1 when buying comodities 1 when buying goods 2 when buying groceries 1 when en buying goods 1 when go to purchase something 1 E.29.6. How do you tend to monitor Taxation? 646 12135 1 General Newspapers 84 2 Financial / business pages in newspapers 39 3 Financial magazines 6 4 Benefits statement 13 5 Radio and television business and financial programs 324 6 Internet (email, web, newsfeeds, etc) 138 7 Financial advisor 16 8 Other, specify 26 Sysmiss 12135 E.29_6_S. Specify how you monitor Taxation 26 0 MY BROTHER INLAW 1 RECEIPTS 1 a friend who works for ZRA 1 all the above 1 banks 1 checks on receipts 1 from friends 1 from individual 1 from school 1 government budget 1 online 1 pay slip 2 pay slips 2 payslips 1 purcheses of goods and services from supermarkets 1 shops 2 social media 1 television 1 through ZRA 1 through friends 1 through my guardians 1 through zra 1 used to monitor when ge was working 1 E.29.7. How do you tend to monitor the job market? 716 12065 1 General Newspapers 133 2 Financial / business pages in newspapers 24 3 Financial magazines 8 4 Benefits statement 8 5 Radio and television business and financial programs 271 6 Internet (email, web, newsfeeds, etc) 225 7 Financial advisor 2 8 Other, specify 45 Sysmiss 12065 E.29_7_S. Specify how you monitor the job market 45 0 1 Friends 1 He just goes in to the market generally. 1 Sign posts 1 Some friends 1 ask around from friends 1 asking people 1 billboreds 1 by just checking job sites 1 community members 1 dont know 1 family and friend 1 freinds 1 friends 9 friends and family 1 friends and other people 1 friends who work 1 friends with smart phone 1 from friends 1 from the councillor and people in the community 1 going to companies to search for jobs 1 going to construction companies 1 hear from friends in the community 1 hear say 1 looks by herself 1 people around me that are involved in jobs 1 people from the community 1 people within the community 1 social midea 1 the community 1 through friends 6 through the headman 1 E.29.8. How do you tend to monitor the Housing market? 405 12376 1 General Newspapers 77 2 Financial / business pages in newspapers 23 3 Financial magazines 8 4 Benefits statement 6 5 Radio and television business and financial programs 157 6 Internet (email, web, newsfeeds, etc) 104 7 Financial advisor 3 8 Other, specify 27 Sysmiss 12376 E.29_8_S. Specify how you monitor the Housing market 27 0 FAMILY AND FRIENDS WHO HAS ACCESS TO INFORMATION 1 FRIENDS 1 From friends 1 From other people who are in the same business 1 by asking within the neighborhood 1 family 1 friends 1 friends and familiee 1 from friends 1 from other people in the community 1 he doesnt know 1 landlord 2 landlords 1 my brother 1 on posters or bill board 1 people from my community 1 people shift 1 radio 1 rea stat 1 see by own self 1 some friends 1 through our community 1 through rental increments 1 when land lords inrease rentals 1 when looking for a house to rent 1 when rentals are risen 1 E.29.9. How do you tend to monitor Zambian Government budgets? 1186 11595 1 General Newspapers 149 2 Financial / business pages in newspapers 45 3 Financial magazines 9 4 Benefits statement 7 5 Radio and television business and financial programs 829 6 Internet (email, web, newsfeeds, etc) 125 7 Financial advisor 0 8 Other, specify 22 Sysmiss 11595 E.29_9_S. Specify how you monitor Zambian Government budgets. 22 0 At our school 1 In town 1 Television 1 Village Headman meeting 1 at school 1 community 1 friends 1 1 1 from friends who have radios 1 from my neighbour 1 from people 1 from people taking about Govt Budgets 1 from school 2 pariliament presentation 1 radio 3 radio and tv 1 television 1 yellow book 1 E.30 Five (5) brothers are given a gift of K10,000. IF they divide the money equ 12712 69 0 Other response 6341 1 K800 6371 Sysmiss 69 E.31 If you put K10,000 into an account and you are guaranteed 2% interest per y 12712 69 0 Other response 9069 1 K10,200 3643 Sysmiss 69 E.32 If you see the same radio in two shops, A and B. The cost is K10,000. Shop 12712 69 0 Shop B 6346 1 Shop A 6366 Sysmiss 69 E.33 If you have K5,000 to buy food per month and other household members contri 12712 69 0 Other response 6995 1 K4,250 5717 Sysmiss 69 F.1.1. People have different ways of describing what it means to save. Which of 12711 70 1 Putting money somewhere to keep it safe 4357 2 Putting money somewhere to stop you from spending it so that 3926 3 Putting money away so that the total amount increases over t 1035 4 Putting money away so that the total amount increases over t 1096 5 Putting money aside for you to use later for something speci 1146 6 Savings is the money that is left over from your income afte 336 7 Don?t know 815 Sysmiss 70 F.1.2. When you think about saving money for the future, which of these timefram 12711 70 1 Next 5 years or longer 2964 2 Next year or few years 4740 3 Next few weeks or months 5007 Sysmiss 70 F.2.1 You sometimes don?t buy things that you want in order to save money 12709 72 1 Agree 8806 2 Disagree 3903 Sysmiss 72 F.2.2 You save or put money away for a specific purpose and you do not use it fo 12709 72 1 Agree 7761 2 Disagree 4948 Sysmiss 72 F.2.3 You save or put money away for a specific purpose but you end up using it 12709 72 1 Agree 8050 2 Disagree 4659 Sysmiss 72 12709 72 1 Agree 4229 2 Disagree 8480 Sysmiss 72 F3_S. Specify other savings product 0 0 F.3i You said that you saved with someone in the community, do you pay for ... s 126 12655 1 Yes 51 2 No 75 Sysmiss 12655 12706 75 1 Savings at a bank 12706 2 Savings at a microfinance institution like Bayport 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 Sysmiss 75 F3_A.1: F.3a Do you have ... 12637 144 1 Yes 1081 2 No 11556 Sysmiss 144 F3_B.1: F.3b In general, how often do you put money aside using ?.. 1080 11701 1 Less than once a month 61 2 Once a month 629 3 More than once a month 127 4 No regular plan, save whatever is left over at the end of th 219 5 Don?t save, usually spend about as much as, or more than, in 44 Sysmiss 11701 F3_C.1: F.3c Approximately how much money do you save every time you save using 1080 11701 0 50000 1421.875 3421.336 F3_D.1: F.3d When did you last use ? ? 1080 11701 1 Yesterday 17 2 In the past 7 days; 150 3 In the past 30 days; 640 4 In the past 90 days; 149 5 More than 90 days ago but less than 6 months ago 54 6 6 months or longer ago 70 Sysmiss 11701 F3_E.1: F.3e Why did you not use ... more often? 70 12711 1 Didn?t have money to save 40 2 Can?t get my money when I need it 4 3 Interest not high 7 4 Other 19 Sysmiss 12711 F3_F.1: F.3f Is ... the product that suits your savings needs best? 1080 11701 1 Yes 928 2 No 152 Sysmiss 11701 12636 145 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 12636 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 Sysmiss 145 F3_A.2: F.3a Do you have ... 12636 145 1 Yes 30 2 No 12606 Sysmiss 145 F3_B.2: F.3b In general, how often do you put money aside using ?.. 30 12751 1 Less than once a month 3 2 Once a month 14 3 More than once a month 4 4 No regular plan, save whatever is left over at the end of th 5 5 Don?t save, usually spend about as much as, or more than, in 4 Sysmiss 12751 F3_C.2: F.3c Approximately how much money do you save every time you save using 30 12751 0 2 50 1 100 2 130 1 200 2 250 1 300 1 400 1 450 1 500 7 800 1 1200 2 1700 1 2000 3 3000 1 5000 2 10000 1 Sysmiss 12751 F3_D.2: F.3d When did you last use ? ? 30 12751 1 Yesterday 0 2 In the past 7 days; 4 3 In the past 30 days; 11 4 In the past 90 days; 10 5 More than 90 days ago but less than 6 months ago 4 6 6 months or longer ago 1 Sysmiss 12751 F3_E.2: F.3e Why did you not use ... more often? 1 12780 1 Didn?t have money to save 1 2 Can?t get my money when I need it 0 3 Interest not high 0 4 Other 0 Sysmiss 12780 F3_F.2: F.3f Is ... the product that suits your savings needs best? 30 12751 1 Yes 22 2 No 8 Sysmiss 12751 12636 145 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 0 3 Savings at a savings and credit cooperative (SACCO) 12636 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 Sysmiss 145 F3_A.3: F.3a Do you have ... 12636 145 1 Yes 80 2 No 12556 Sysmiss 145 F3_B.3: F.3b In general, how often do you put money aside using ?.. 80 12701 1 Less than once a month 10 2 Once a month 41 3 More than once a month 16 4 No regular plan, save whatever is left over at the end of th 10 5 Don?t save, usually spend about as much as, or more than, in 3 Sysmiss 12701 F3_C.3: F.3c Approximately how much money do you save every time you save using 80 12701 0 4000 389.975 544.492 F3_D.3: F.3d When did you last use ? ? 80 12701 1 Yesterday 3 2 In the past 7 days; 16 3 In the past 30 days; 36 4 In the past 90 days; 15 5 More than 90 days ago but less than 6 months ago 2 6 6 months or longer ago 8 Sysmiss 12701 F3_E.3: F.3e Why did you not use ... more often? 8 12773 1 Didn?t have money to save 2 2 Can?t get my money when I need it 2 3 Interest not high 1 4 Other 3 Sysmiss 12773 F3_F.3: F.3f Is ... the product that suits your savings needs best? 80 12701 1 Yes 72 2 No 8 Sysmiss 12701 12636 145 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 0 3 Savings at a savings and credit cooperative (SACCO) 0 4 Savings that you keep on your mobile phone 12636 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 Sysmiss 145 F3_A.4: F.3a Do you have ... 12636 145 1 Yes 3494 2 No 9142 Sysmiss 145 F3_B.4: F.3b In general, how often do you put money aside using ?.. 3495 9286 1 Less than once a month 397 2 Once a month 1047 3 More than once a month 659 4 No regular plan, save whatever is left over at the end of th 1322 5 Don?t save, usually spend about as much as, or more than, in 70 Sysmiss 9286 F3_C.4: F.3c Approximately how much money do you save every time you save using 3493 9288 0 30000 352.848 880.533 F3_D.4: F.3d When did you last use ? ? 3493 9288 1 Yesterday 386 2 In the past 7 days; 1268 3 In the past 30 days; 1364 4 In the past 90 days; 283 5 More than 90 days ago but less than 6 months ago 92 6 6 months or longer ago 100 Sysmiss 9288 F3_E.4: F.3e Why did you not use ... more often? 100 12681 1 Didn?t have money to save 69 2 Can?t get my money when I need it 4 3 Interest not high 1 4 Other 26 Sysmiss 12681 F3_F.4: F.3f Is ... the product that suits your savings needs best? 3493 9288 1 Yes 3116 2 No 377 Sysmiss 9288 12635 146 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12635 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 Sysmiss 146 F3_A.5: F.3a Do you have ... 12635 146 1 Yes 121 2 No 12514 Sysmiss 146 F3_B.5: F.3b In general, how often do you put money aside using ?.. 121 12660 1 Less than once a month 5 2 Once a month 99 3 More than once a month 8 4 No regular plan, save whatever is left over at the end of th 8 5 Don?t save, usually spend about as much as, or more than, in 1 Sysmiss 12660 F3_C.5: F.3c Approximately how much money do you save every time you save using 121 12660 0 30000 1045.938 3244.05 F3_D.5: F.3d When did you last use ? ? 121 12660 1 Yesterday 3 2 In the past 7 days; 9 3 In the past 30 days; 92 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 8 Sysmiss 12660 F3_E.5: F.3e Why did you not use ... more often? 8 12773 1 Didn?t have money to save 2 2 Can?t get my money when I need it 6 3 Interest not high 0 4 Other 0 Sysmiss 12773 F3_F.5: F.3f Is ... the product that suits your savings needs best? 121 12660 1 Yes 98 2 No 23 Sysmiss 12660 12635 146 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12635 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 Sysmiss 146 F3_A.6: F.3a Do you have ... 12635 146 1 Yes 722 2 No 11913 Sysmiss 146 F3_B.6: F.3b In general, how often do you put money aside using ?.. 722 12059 1 Less than once a month 113 2 Once a month 390 3 More than once a month 188 4 No regular plan, save whatever is left over at the end of th 28 5 Don?t save, usually spend about as much as, or more than, in 3 Sysmiss 12059 F3_C.6: F.3c Approximately how much money do you save every time you save using 722 12059 0 27900 397.195 1360.449 F3_D.6: F.3d When did you last use ? ? 722 12059 1 Yesterday 105 2 In the past 7 days; 201 3 In the past 30 days; 345 4 In the past 90 days; 42 5 More than 90 days ago but less than 6 months ago 15 6 6 months or longer ago 14 Sysmiss 12059 F3_E.6: F.3e Why did you not use ... more often? 14 12767 1 Didn?t have money to save 2 2 Can?t get my money when I need it 4 3 Interest not high 3 4 Other 5 Sysmiss 12767 F3_F.6: F.3f Is ... the product that suits your savings needs best? 722 12059 1 Yes 655 2 No 67 Sysmiss 12059 12635 146 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12635 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 Sysmiss 146 F3_A.7: F.3a Do you have ... 12635 146 1 Yes 547 2 No 12088 Sysmiss 146 F3_B.7: F.3b In general, how often do you put money aside using ?.. 547 12234 1 Less than once a month 88 2 Once a month 264 3 More than once a month 162 4 No regular plan, save whatever is left over at the end of th 29 5 Don?t save, usually spend about as much as, or more than, in 4 Sysmiss 12234 F3_C.7: F.3c Approximately how much money do you save every time you save using 547 12234 0 5000 230.455 563.518 F3_D.7: F.3d When did you last use ? ? 547 12234 1 Yesterday 33 2 In the past 7 days; 227 3 In the past 30 days; 221 4 In the past 90 days; 34 5 More than 90 days ago but less than 6 months ago 10 6 6 months or longer ago 22 Sysmiss 12234 F3_E.7: F.3e Why did you not use ... more often? 22 12759 1 Didn?t have money to save 3 2 Can?t get my money when I need it 5 3 Interest not high 4 4 Other 10 Sysmiss 12759 F3_F.7: F.3f Is ... the product that suits your savings needs best? 547 12234 1 Yes 499 2 No 48 Sysmiss 12234 12635 146 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12635 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 Sysmiss 146 F3_A.8: F.3a Do you have ... 12635 146 1 Yes 142 2 No 12493 Sysmiss 146 F3_B.8: F.3b In general, how often do you put money aside using ?.. 142 12639 1 Less than once a month 15 2 Once a month 69 3 More than once a month 37 4 No regular plan, save whatever is left over at the end of th 20 5 Don?t save, usually spend about as much as, or more than, in 1 Sysmiss 12639 F3_C.8: F.3c Approximately how much money do you save every time you save using 142 12639 0 3000 154.884 368.568 F3_D.8: F.3d When did you last use ? ? 142 12639 1 Yesterday 12 2 In the past 7 days; 44 3 In the past 30 days; 60 4 In the past 90 days; 13 5 More than 90 days ago but less than 6 months ago 6 6 6 months or longer ago 7 Sysmiss 12639 F3_E.8: F.3e Why did you not use ... more often? 7 12774 1 Didn?t have money to save 3 2 Can?t get my money when I need it 0 3 Interest not high 0 4 Other 4 Sysmiss 12774 F3_F.8: F.3f Is ... the product that suits your savings needs best? 142 12639 1 Yes 103 2 No 39 Sysmiss 12639 12635 146 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12635 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 Sysmiss 146 F3_A.9: F.3a Do you have ... 12635 146 1 Yes 2066 2 No 10569 Sysmiss 146 F3_B.9: F.3b In general, how often do you put money aside using ?.. 2066 10715 1 Less than once a month 213 2 Once a month 492 3 More than once a month 303 4 No regular plan, save whatever is left over at the end of th 1010 5 Don?t save, usually spend about as much as, or more than, in 48 Sysmiss 10715 F3_C.9: F.3c Approximately how much money do you save every time you save using 2066 10715 0 90000 389.52 2618.923 F3_D.9: F.3d When did you last use ? ? 2066 10715 1 Yesterday 278 2 In the past 7 days; 648 3 In the past 30 days; 819 4 In the past 90 days; 179 5 More than 90 days ago but less than 6 months ago 82 6 6 months or longer ago 60 Sysmiss 10715 F3_E.9: F.3e Why did you not use ... more often? 60 12721 1 Didn?t have money to save 38 2 Can?t get my money when I need it 4 3 Interest not high 2 4 Other 16 Sysmiss 12721 F3_F.9: F.3f Is ... the product that suits your savings needs best? 2066 10715 1 Yes 1459 2 No 607 Sysmiss 10715 12635 146 10 10 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12635 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 F3_A.10: F.3a Do you have ... 12635 146 1 Yes 545 2 No 12090 Sysmiss 146 F3_B.10: F.3b In general, how often do you put money aside using ?.. 545 12236 1 Less than once a month 73 2 Once a month 100 3 More than once a month 89 4 No regular plan, save whatever is left over at the end of th 243 5 Don?t save, usually spend about as much as, or more than, in 40 Sysmiss 12236 F3_C.10: F.3c Approximately how much money do you save every time you save using 545 12236 0 10000 149.01 619.878 F3_D.10: F.3d When did you last use ? ? 545 12236 1 Yesterday 194 2 In the past 7 days; 177 3 In the past 30 days; 119 4 In the past 90 days; 30 5 More than 90 days ago but less than 6 months ago 11 6 6 months or longer ago 14 Sysmiss 12236 F3_E.10: F.3e Why did you not use ... more often? 14 12767 1 Didn?t have money to save 11 2 Can?t get my money when I need it 1 3 Interest not high 0 4 Other 2 Sysmiss 12767 F3_F.10: F.3f Is ... the product that suits your savings needs best? 545 12236 1 Yes 386 2 No 159 Sysmiss 12236 12635 146 11 11 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12635 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 F3_A.11: F.3a Do you have ... 12635 146 1 Yes 509 2 No 12126 Sysmiss 146 F3_B.11: F.3b In general, how often do you put money aside using ?.. 510 12271 1 Less than once a month 64 2 Once a month 142 3 More than once a month 71 4 No regular plan, save whatever is left over at the end of th 218 5 Don?t save, usually spend about as much as, or more than, in 15 Sysmiss 12271 F3_C.11: F.3c Approximately how much money do you save every time you save using 509 12272 0 50000 425.497 2305.614 F3_D.11: F.3d When did you last use ? ? 509 12272 1 Yesterday 34 2 In the past 7 days; 124 3 In the past 30 days; 204 4 In the past 90 days; 80 5 More than 90 days ago but less than 6 months ago 23 6 6 months or longer ago 44 Sysmiss 12272 F3_E.11: F.3e Why did you not use ... more often? 44 12737 1 Didn?t have money to save 22 2 Can?t get my money when I need it 6 3 Interest not high 1 4 Other 15 Sysmiss 12737 F3_F.11: F.3f Is ... the product that suits your savings needs best? 509 12272 1 Yes 354 2 No 155 Sysmiss 12272 12635 146 12 12 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12635 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 F3_A.12: F.3a Do you have ... 12634 147 1 Yes 126 2 No 12508 Sysmiss 147 F3_B.12: F.3b In general, how often do you put money aside using ?.. 126 12655 1 Less than once a month 12 2 Once a month 42 3 More than once a month 17 4 No regular plan, save whatever is left over at the end of th 43 5 Don?t save, usually spend about as much as, or more than, in 12 Sysmiss 12655 F3_C.12: F.3c Approximately how much money do you save every time you save using 126 12655 0 15000 363.786 1357.839 F3_D.12: F.3d When did you last use ? ? 126 12655 1 Yesterday 7 2 In the past 7 days; 25 3 In the past 30 days; 52 4 In the past 90 days; 14 5 More than 90 days ago but less than 6 months ago 14 6 6 months or longer ago 14 Sysmiss 12655 F3_E.12: F.3e Why did you not use ... more often? 14 12767 1 Didn?t have money to save 8 2 Can?t get my money when I need it 1 3 Interest not high 1 4 Other 4 Sysmiss 12767 F3_F.12: F.3f Is ... the product that suits your savings needs best? 126 12655 1 Yes 76 2 No 50 Sysmiss 12655 12634 147 13 13 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12634 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 F3_A.13: F.3a Do you have ... 12634 147 1 Yes 673 2 No 11961 Sysmiss 147 F3_B.13: F.3b In general, how often do you put money aside using ?.. 673 12108 1 Less than once a month 68 2 Once a month 206 3 More than once a month 133 4 No regular plan, save whatever is left over at the end of th 251 5 Don?t save, usually spend about as much as, or more than, in 15 Sysmiss 12108 F3_C.13: F.3c Approximately how much money do you save every time you save using 673 12108 0 3000000 5564.477 115643.638 F3_D.13: F.3d When did you last use ? ? 673 12108 1 Yesterday 10 2 In the past 7 days; 65 3 In the past 30 days; 265 4 In the past 90 days; 147 5 More than 90 days ago but less than 6 months ago 85 6 6 months or longer ago 101 Sysmiss 12108 F3_E.13: F.3e Why did you not use ... more often? 101 12680 1 Didn?t have money to save 43 2 Can?t get my money when I need it 18 3 Interest not high 4 4 Other 36 Sysmiss 12680 F3_F.13: F.3f Is ... the product that suits your savings needs best? 673 12108 1 Yes 569 2 No 104 Sysmiss 12108 12634 147 14 14 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12634 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 F3_A.14: F.3a Do you have ... 12634 147 1 Yes 298 2 No 12336 Sysmiss 147 F3_B.14: F.3b In general, how often do you put money aside using ?.. 298 12483 1 Less than once a month 44 2 Once a month 88 3 More than once a month 69 4 No regular plan, save whatever is left over at the end of th 95 5 Don?t save, usually spend about as much as, or more than, in 2 Sysmiss 12483 F3_C.14: F.3c Approximately how much money do you save every time you save using 298 12483 0 50000 1760.54 4668.986 F3_D.14: F.3d When did you last use ? ? 298 12483 1 Yesterday 27 2 In the past 7 days; 66 3 In the past 30 days; 127 4 In the past 90 days; 45 5 More than 90 days ago but less than 6 months ago 25 6 6 months or longer ago 8 Sysmiss 12483 F3_E.14: F.3e Why did you not use ... more often? 8 12773 1 Didn?t have money to save 3 2 Can?t get my money when I need it 1 3 Interest not high 1 4 Other 3 Sysmiss 12773 F3_F.14: F.3f Is ... the product that suits your savings needs best? 298 12483 1 Yes 239 2 No 59 Sysmiss 12483 12634 147 15 15 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12634 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 F3_A.15: F.3a Do you have ... 12634 147 1 Yes 178 2 No 12456 Sysmiss 147 F3_B.15: F.3b In general, how often do you put money aside using ?.. 178 12603 1 Less than once a month 24 2 Once a month 77 3 More than once a month 29 4 No regular plan, save whatever is left over at the end of th 43 5 Don?t save, usually spend about as much as, or more than, in 5 Sysmiss 12603 F3_C.15: F.3c Approximately how much money do you save every time you save using 178 12603 0 20000 1233.09 2239.272 F3_D.15: F.3d When did you last use ? ? 178 12603 1 Yesterday 8 2 In the past 7 days; 33 3 In the past 30 days; 82 4 In the past 90 days; 27 5 More than 90 days ago but less than 6 months ago 7 6 6 months or longer ago 21 Sysmiss 12603 F3_E.15: F.3e Why did you not use ... more often? 21 12760 1 Didn?t have money to save 8 2 Can?t get my money when I need it 2 3 Interest not high 2 4 Other 9 Sysmiss 12760 F3_F.15: F.3f Is ... the product that suits your savings needs best? 178 12603 1 Yes 137 2 No 41 Sysmiss 12603 12634 147 16 16 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12634 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 F3_A.16: F.3a Do you have ... 12634 147 1 Yes 11 2 No 12623 Sysmiss 147 F3_B.16: F.3b In general, how often do you put money aside using ?.. 11 12770 1 Less than once a month 1 2 Once a month 8 3 More than once a month 0 4 No regular plan, save whatever is left over at the end of th 1 5 Don?t save, usually spend about as much as, or more than, in 1 Sysmiss 12770 F3_C.16: F.3c Approximately how much money do you save every time you save using 11 12770 0 125000 11855.455 37536.847 F3_D.16: F.3d When did you last use ? ? 11 12770 1 Yesterday 0 2 In the past 7 days; 1 3 In the past 30 days; 5 4 In the past 90 days; 1 5 More than 90 days ago but less than 6 months ago 1 6 6 months or longer ago 3 Sysmiss 12770 F3_E.16: F.3e Why did you not use ... more often? 3 12778 1 Didn?t have money to save 0 2 Can?t get my money when I need it 2 3 Interest not high 0 4 Other 1 Sysmiss 12778 F3_F.16: F.3f Is ... the product that suits your savings needs best? 11 12770 1 Yes 8 2 No 3 Sysmiss 12770 12634 147 17 17 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12634 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 F3_A.17: F.3a Do you have ... 12634 147 1 Yes 5 2 No 12629 Sysmiss 147 F3_B.17: F.3b In general, how often do you put money aside using ?.. 5 12776 1 Less than once a month 0 2 Once a month 4 3 More than once a month 0 4 No regular plan, save whatever is left over at the end of th 1 5 Don?t save, usually spend about as much as, or more than, in 0 Sysmiss 12776 F3_C.17: F.3c Approximately how much money do you save every time you save using 5 12776 50 14000 3589.6 5886.051 F3_D.17: F.3d When did you last use ? ? 5 12776 1 Yesterday 0 2 In the past 7 days; 0 3 In the past 30 days; 2 4 In the past 90 days; 2 5 More than 90 days ago but less than 6 months ago 0 6 6 months or longer ago 1 Sysmiss 12776 F3_E.17: F.3e Why did you not use ... more often? 1 12780 1 Didn?t have money to save 0 2 Can?t get my money when I need it 0 3 Interest not high 0 4 Other 1 Sysmiss 12780 F3_F.17: F.3f Is ... the product that suits your savings needs best? 5 12776 1 Yes 4 2 No 1 Sysmiss 12776 12634 147 18 18 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12634 19 Pension / NAPSA 0 20 Any other form of savings that I have not mentioned that you 0 F3_A.18: F.3a Do you have ... 12634 147 1 Yes 9 2 No 12625 Sysmiss 147 F3_B.18: F.3b In general, how often do you put money aside using ?.. 9 12772 1 Less than once a month 0 2 Once a month 2 3 More than once a month 1 4 No regular plan, save whatever is left over at the end of th 5 5 Don?t save, usually spend about as much as, or more than, in 1 Sysmiss 12772 F3_C.18: F.3c Approximately how much money do you save every time you save using 9 12772 1000 50000 9444.444 15517.016 F3_D.18: F.3d When did you last use ? ? 9 12772 1 Yesterday 0 2 In the past 7 days; 0 3 In the past 30 days; 2 4 In the past 90 days; 1 5 More than 90 days ago but less than 6 months ago 2 6 6 months or longer ago 4 Sysmiss 12772 F3_E.18: F.3e Why did you not use ... more often? 4 12777 1 Didn?t have money to save 1 2 Can?t get my money when I need it 0 3 Interest not high 2 4 Other 1 Sysmiss 12777 F3_F.18: F.3f Is ... the product that suits your savings needs best? 9 12772 1 Yes 4 2 No 5 Sysmiss 12772 12634 147 19 19 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12634 20 Any other form of savings that I have not mentioned that you 0 F3_A.19: F.3a Do you have ... 12634 147 1 Yes 725 2 No 11909 Sysmiss 147 F3_B.19: F.3b In general, how often do you put money aside using ?.. 725 12056 1 Less than once a month 9 2 Once a month 646 3 More than once a month 16 4 No regular plan, save whatever is left over at the end of th 27 5 Don?t save, usually spend about as much as, or more than, in 27 Sysmiss 12056 F3_C.19: F.3c Approximately how much money do you save every time you save using 725 12056 0 100000 861.839 5166.466 F3_D.19: F.3d When did you last use ? ? 725 12056 1 Yesterday 0 2 In the past 7 days; 39 3 In the past 30 days; 556 4 In the past 90 days; 29 5 More than 90 days ago but less than 6 months ago 21 6 6 months or longer ago 80 Sysmiss 12056 F3_E.19: F.3e Why did you not use ... more often? 80 12701 1 Didn?t have money to save 20 2 Can?t get my money when I need it 25 3 Interest not high 7 4 Other 28 Sysmiss 12701 F3_F.19: F.3f Is ... the product that suits your savings needs best? 725 12056 1 Yes 621 2 No 104 Sysmiss 12056 12634 147 20 20 1 Savings at a bank 0 2 Savings at a microfinance institution like Bayport 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 12634 F3_A.20: F.3a Do you have ... 12634 147 1 Yes 102 2 No 12532 Sysmiss 147 F3_B.20: F.3b In general, how often do you put money aside using ?.. 102 12679 1 Less than once a month 11 2 Once a month 43 3 More than once a month 16 4 No regular plan, save whatever is left over at the end of th 25 5 Don?t save, usually spend about as much as, or more than, in 7 Sysmiss 12679 F3_C.20: F.3c Approximately how much money do you save every time you save using 102 12679 0 43000 1053.324 4457.494 F3_D.20: F.3d When did you last use ? ? 102 12679 1 Yesterday 4 2 In the past 7 days; 27 3 In the past 30 days; 43 4 In the past 90 days; 11 5 More than 90 days ago but less than 6 months ago 7 6 6 months or longer ago 10 Sysmiss 12679 F3_E.20: F.3e Why did you not use ... more often? 10 12771 1 Didn?t have money to save 4 2 Can?t get my money when I need it 3 3 Interest not high 1 4 Other 2 Sysmiss 12771 F3_F.20: F.3f Is ... the product that suits your savings needs best? 102 12679 1 Yes 64 2 No 38 Sysmiss 12679 H12_S. Specify other insurance product 0 0 F.4 What is the main reason for you to keep your savings ? 7117 5664 1 Proximity ? convenient access 1379 2 Easy/simple to use 1752 3 Have quick access 1940 4 Know money is safe from theft/fire 766 5 Trust 224 6 Because others (family members/community/members/friends) us 85 7 So that nobody/a particular person will know about it 107 8 Earn good interest 265 9 Other, specify 599 Sysmiss 5664 F.4_S. Specify the main reason for you to keep your savings. 600 0 AGRICULTURE PURPOSES 1 BECAUSEVSHE DOESNT HAVE MONEY 1 CANNOT WITHDRAW AT ANYTIME AND MISUSE THE MONEY 1 COVERS SCHOOL FEES 1 DIDNT SAVE 1 DIFFICULT TO WITHDRAW COMPARED TO MOBILE MONEY 1 DO NOT HAVE SAVINGS 1 DO NOT SAVE 3 DO NOT SAVE MONEY 1 DOES NOT SAVE MONEY 1 DONT DO IT AT ALL 1 DONT DONT THAT 1 DONT HAVE SAVINGS 1 DONT KEEP MONEY 1 DONT SAVE 1 DONT SAVE/NERVER SAVED BEFORE 1 Do Not save 1 Do Not save. 1 Do not have savings 3 Do not keep savings 2 Doesn't earn enough to save money 1 Don't have savings 1 Don't keep savings 1 Don't save at home 1 Don't save money 1 Don't save money at all 1 Don't save. No money to save 1 Dont Save 1 Dont keep 1 Dont save 2 EDUCATION 1 EMERGENCY USE 1 Emergency 1 FOR EMERGENCIES 1 FOR EMERGENCY USE 1 FOR FUTERE PROJECTS 1 FOR FUTURE USE 3 FOR USE INTIMES OF PROBLEMS. 1 FUTURE USE 3 Fo the unexpected eventualities 1 Food and educatuon for future 1 For Emergency 1 For emergency 1 For future needs 1 For future use 5 For the future 1 For the future use 1 For the unexpected 1 For unforeseenn circumstances 1 Future use 3 Future use and emergencies 1 GOVERNMENT REQUIREMENT 1 I DO NOT SAVE 1 I Dont Save 2 I HAVE ENOUGH SAVINGS 1 I dont save 1 I have no money 1 INCASE OF AN EMERGENCY 1 ITS MY MONELY CONTRIBUTION FROM MY EMPLOYER 1 In case of any emergance and business 1 MONEY IS SAFE AND PREVENTS HER FROM UNECESSARY S.. 1 Mandatory from previous employer 1 NO CHARGES WITH CHILIMBA 1 NO MONEY 2 NOT APPLICABLE 1 NOT SAVING 1 NOTHING SKIP WAS NOT WORKING 1 Never heard 1 No Reason 1 No enough funds to save 1 No income 1 No reason 1 No savings 2 No savngs 1 1 Not Applicable 1 Not aplicable, dont save anything 1 Not applicable 1 Not in Employment 1 PREPARATION FOR RETIREMENT 1 SAVING FOR FUTURE USE 1 STUDENT 1 Save money 1 So that the money can be used when its needed 1 TO ADD ON MY CAPITAL 1 TO AVOID UN WANTED EXPENDITURE 1 TO AVOID UNECESSARY SPENDING 2 TO GET FERTILIZER 1 TO PAY FOR TUITION FEES 1 TO PREPARE FOR THE FUTURE 1 TO USE FOR PERSONAL EXPENSES 1 To come and invest in business 1 To help when unexpected expenses arise 1 To use for emergencies 1 To use it for future use 1 Wants to buy a plot 1 aave for later use 1 access with members of the community 1 am improbing my house 1 avoids me from misuse 1 banks are far 1 banks are fer away 1 because i admired other people's way of life 1 because it's his money, he can do whatever he want 1 because of no other sources of money 1 because the money is not enough 1 because we live in villages 1 built in future 1 business 1 bussiness 1 buy a plot 1 buy cement 1 buying farming inputs 1 buying fertiliser 1 buying something lmportant eg-livestock 1 can borrow when in need 1 cant afford 1 did not 2 did not keep money 1 did not save 1 didnt 1 do not belong to any savings group 1 do not have enough money 2 do not have enough money to save 1 do not have money 1 do not have money to save 1 do not have savings 1 do not keep any money 1 do not keep any money at the bank 1 do not keep my savings 2 do not keep savings 1 do not save 2 do not save any money 1 do not use this product 1 does not apply 1 does not have money to save 1 does not kep savings 1 does not save 5 does not want to aquire loans for needs 1 doesn't have savings 1 doesnt have savings 2 doesnt know 2 doesnt save 1 doesnt usually save 1 don' Save 1 1 don't have to save 1 don't save 4 dont borrow money 1 dont do any savings 1 dont have any savings 1 dont have enogh money 1 dont have enough money 1 dont have money 5 dont hv enough fund to save 1 dont keep 1 dont keep any 1 dont keep money 1 dont keep savings 2 dont know 5 dont save 15 dont save at the moment 1 dont save money 2 dont save only receive for school 1 dont want to have a financial crises 1 dosent have any savings 1 easy to save 1 educating my children 1 education and rentals 1 education money for children 1 emergencies 4 emergency program 1 employer' requirement 1 far away the services 1 farming purpose 1 fo futuer use 1 foe e emergencies 1 food for the household 1 for a better future 1 for buy things 1 for children 1 for development in the family 1 for emengecies 1 for emergancy 1 for emergence use 1 for emergencies 3 for emergency 2 for emergency things 1 for emergency use 1 for emgercy 1 for emmegency purposes 1 for farming input purpose 1 for farming inputs 1 for farming or emergency issiues 1 for farming purposes 1 for future and bussiness 1 for future generation to have a better life 1 for future purposes 1 for future use 45 for future use(eg for buying building material) 1 for future user 1 for future usr 1 for home consuption 1 for me to access fertilizer 1 for my family 1 for savings 1 for school 2 for school fees and farming inputs 1 for security purposes 1 for the future 1 for unexpected expenses at home 1 for unexpected problems 1 for unxpected things 1 for use at a later period 1 for use later in the future 1 for using when things go wrong 1 futura 1 future plans 2 future use 18 goverment policy 1 grow buissiness 1 has no savings 2 have enough money for farming 1 have money to keep on drinking beer 1 have no savings 3 have no source of income 1 have some money for emergency 1 have some money in case of any real emergency 1 help in times of need 1 help me in case of anything 1 help me to manage 1 help us with unexpected expenses 1 help use it in future 1 helpes me buy things i cant afford 1 helps in unexpectd expenses 1 helps me save and get fertilizer 1 helps you save money 1 i always have less money in my house 1 i cause of anything 1 i consume everything i earn. 1 i did'g have money 1 i do not keep any savings 1 i don't have money to be in same mean savings 1 i don't have savings 2 i don't havev enoug h money to save 1 i don't money 1 i don't save 1 i dont have an account 1 i dont have any savings 2 i dont have money to save 1 i dont have savings 1 i dont hv enough money to save 1 i dont keep savings 2 i dont keep servings 1 i dont save 3 i dont save any money 1 i dont serve 1 i dont use this 1 i dont want to miss use 1 i have becouse i can have unexpected expenses 1 i have no savings 1 i never have money 1 i save becuase i may need to use it in future 1 i want to have my own plot 1 in case l need it for unexpected expenes 1 in case of an emergency 2 in case of emergency 2 in case of unforsen circustance 1 incase i need something in future 1 incase of emergency 1 incase problems that need finacial attention arise 1 inoder for not using everyday 1 1 interest is low 1 it grows quickly 1 it helps to cope with unforeseen chalenges 1 it is mandatory 1 it is the only way of saving that is known 1 it is to get when there is emergency 1 it will assist in the near future 1 it's the best way of saving since my money is smal 1 its mandatory 1 its mandotory to contribute 1 just to increase the total amount for reguler expe 1 just to try and not misuse money 1 keep safe 1 keeping money safe to use for farming 1 l dont have money 1 l dont have savings 2 l dont save 1 l dont use 1 l dosent have any savings 1 l have no any other way to save 1 l want to start building 1 low income earned 1 may use savings when there is an emmegency 1 money is not inhelf 1 money is safe 1 money too little 1 monthly pension 1 never borrowed 1 never head of it 1 no contact 1 no enough money 1 no idea 1 no income 1 no money 1 no money for saving 1 no money to save 1 no plan 1 no reason 1 no reason at all 1 no saving 2 no savings 12 non applicable 2 none 7 none of the above 1 not aplicable 1 not applicable 15 not applicable - no saving 1 not applicable to main respondant 1 not application 1 not applicsble 1 not enough money 1 not expensive to use 1 not keeping yet 1 not saved 1 not to spend uneccersarily 1 not working 2 not yet joined community groups 1 nothing 2 other saving options not available in our locality 1 parent do it 1 pension 1 poverty (hand to mouth) 1 refused 1 requirement 1 save for future use 1 save for the future 1 save money 1 save so that i can educate my farmily 1 saving 1 security 1 security purposes 1 service charges are low 1 she does'nt keep any money 1 she doesn't save 1 she dont have any income to save money 1 she has no servings 1 skip did not work 1 so it can be used in case of anything 1 so that I dont struggle when farming season starts 1 so that i can use the money later 2 so that i can use when i need it 1 so that i dont spend it unnecessarily 1 so that i save for future use 1 so that it can be used when needed 1 so that it keeps me going 1 so that money is not wasted 1 so that my account is not closed 1 so that we use when we have unexpected expenses 1 solv problems 1 something to fall back when things are bad 1 suits my saving needs 1 the repondant dont save 1 they don"t save 1 they dont charge anything 1 they dont keep any 1 to avoid misusing the money 1 to avoid over spending 1 to avoid using money on unplanned expences 1 to be used when things go wrong 1 to buy food and cllothes 1 to buy something 1 to buy what I want later 1 to buy whatbi want 1 to cater for unforseen expected ivents 1 to cope regular expenses 1 to cope unexpected expenses 1 to have interest 1 to have money for future 1 to have the money grow and use it at a later stage 1 to help him save 1 to help in the future 1 to help me buy what i want 1 to help me cope in unexpected expenses 1 to help when in need 1 to help when needed 1 to improve my business 1 to keep money for school 1 to keep the money safe and get when i need to use 1 to make a better future 1 to not misuse it 1 to save 1 to save for education 1 to save money 2 to save money to help me when i need 1 to secure future for my children 1 to store or save 1 to the maize to the harmmer mill 1 to use at a later stage when the need arises 1 to use for emergency 1 to use for farming purposes 1 to use in case of ememergecy 1 to use in future 2 to use it at a later stage 1 to use it in future 1 to use it later 1 to use later 1 to use the money later 1 to use the money when emegency arises 1 to use when in need 1 to use when things are hard 1 unexpected expenses 1 unexpected problems 1 unnexpected expenses 1 use for later 1 use in emergency 1 use later for an emergency 1 use the money in terms of need 1 want to build house 1 want to buy a motorbike 1 want to buy assets when money accumulates sufficie 1 want to buy clothes 1 wsnt to buy land 1 F.5 Thinking about the money you saved. What did you mainly save for? 7117 5664 1 To help you with regular expenses 3139 2 To help you cope with unexpected expenses 1236 3 Business purposes 687 4 farming/fishing purposes 895 5 Social ceremonies/celebrations 21 6 Buying a bicycle, motorcycle, car, truck or other means of t 24 7 Buying household goods such as a fridge or stove or other as 60 8 Buy residential land/house or building a house to live in/re 232 9 Buying property such as a house or land to rent out 101 10 Money to use when I?m old 140 11 Other, specify 582 Sysmiss 5664 F.5_S. Specify what you mainly save for. 582 0 ANYTHING THAT COMES 1 1 BUYING CLOTHES 1 Building a house 1 Buy Land 1 Buy airtime 1 Buy building materials 1 Buying cows 1 Buying school materials 1 CAPITAL 1 CHILDRENS EDUCATION 1 Clothes 1 DID NOT SAVE ANYTHING 1 DID NOT SAVE AT ALL 1 DID NOT SAVED ANY 1 DID SAVE ANY MONEY 1 DIDNT SAVE 3 DIDNT SAVE ANY 1 DO NOT HAVE SAVINGS 1 DO NOT SAVE 6 DO NOT SAVE MONEY 1 DOES NOT SAVE 1 DON'T SAVE ANY MONEY 1 DONT HAVE ACCOUNT 1 DONT SAVE 1 DONT SAVE AT ALL 1 Did not save 1 Do not Save. 1 Do nt keep savings 1 Don't keep savings 1 Don't save money 2 Dont do any saving 1 Dont eave 1 Dont know 1 Dont save 1 EDUCATION 2 Educating children 1 Education 2 Education and developing the land i have 1 Emergencies 1 Expenses 1 FOR BUILDING A HOUSE 1 FOR BUYING BUILDING MATERIALS 1 FOR EDUCATION 1 FOR EXPECTED & UNEXPECTED EXPENSES 1 FOR FARMING 1 FOR FUTURE USE 1 FOR REWRITING GCE 1 FOR SCHOOL FEES 1 FOR THE FUTURE OF THE CHILDREN 1 FUTURE PURPOSES 1 Farming purposes 1 For college tution fees 1 For future use 2 For regular and unexpected expences 1 For the unexpected 1 Future use 2 Future use and emergencies 1 HELP OUT WITH BOTH REGULAR & UNEXPECTED EXPENSES 1 HELP WITH BOTH EXPECTED AND UNEXPECTED EXPENSES 1 Has not saved 1 Have no savings 1 He doenst have any money to save at the moment 1 I Dont Save 1 I Dont Save Money 1 I HAVE A DUTY TO PAY ELECTRICITY BILLS EVERY MONTH 1 I dont save 1 I have no savings 1 I wasn't my money 1 Intends to start a business 1 Money to use for school 1 NEVER SAVED BEFORE 1 NOT APPLICABLE 1 NOTHING SKIP NOT WORKING 1 No savings 5 Not Applicable 2 Not keeping yet 1 Nothing 1 RESPONDENT CURENTLY HAS NO MONEY SAVED 1 RETIREMENT 1 SCHOOL 1 SCHOOL FEES 2 School fees 1 TO HELP ME WHEN AM OLD 1 The future 1 Things the respondent plans to buy or pay for 1 To buy clothes and other gudgets 1 To generate more money through interest accrued. 1 To inhence on education 1 Vehicle/Car 1 Want to buy a phone 1 achieve financial goals 1 airtime 1 already old no need to save 1 avoid spending it on unitttended things 1 beer 2 bicycle 1 boosting the business 1 both regular and unexpected expenses 1 bought a cow 1 bought cows 1 bought goat 1 building expenses and school 1 building my own school 1 business 1 bussiness 1 1 buy a phone 1 buy a plot 1 buy an asset 1 buy clothes 2 buy fertilizer and food stuffs 1 buy livestock 1 buy livestock and build a house 1 buy plot to build a house 1 buying a phone 1 buying a plot 1 buying and selling fish 1 buying animals 1 buying books and school shoes 1 buying cattle 1 buying clothes 2 buying clothes and plaiting hair 1 buying fertilizer 1 buying inputs 1 buying iron sheets 1 buying items i am lacking 1 buying livestock 1 buying livestock eg cattle 1 buying school books 1 buying things needed for school 1 child birth 1 children's education 1 childrens 1 childrens education 1 clothes 3 construction 1 develop my land 1 did not 1 did not keep the money 1 did not save 6 did not save any money 2 did noy save 1 did't save any 1 didn't 1 didn't save any 1 didn't save any money 1 didnt save 5 didnt save any money. 1 didnt save anything 1 do not have money 1 do not save 7 do not save money 1 does not keep savings 1 does not save 2 does not save any money 1 does not save money 1 doesn't have savings 1 doesnt 1 doesnt have savings 1 don't save 1 dont borrow 1 dont have any savings 1 dont have money 2 dont have money saved 1 dont keep any savings 1 dont know 2 dont save 12 dont save any money 1 dont save money 1 dont save. 1 educ!tion 1 educatiing my childrens 1 educating my children 1 educating my self and my family 1 education 24 education /garden materials 1 education expenses 1 education fees 1 education for children 2 education for my children 1 education purposes 1 education up grading 1 educational expenses 1 educational fees 1 ememgencies 1 emergencies 4 emergency 1 emergicies 1 expecting a baby 1 extend my house 1 farming 1 farming and business purposes. 1 farming and living expenses 1 farming and school childern 1 farming or emegerncy purposes 1 farming/land 1 fertilizer 2 fishing 1 food 2 for a better future 1 for a phone 1 for building 1 for building a house 1 for building purpose and school fees 1 for buying lotion and cloths 1 for chickens 1 for children school fees 1 for church 1 for driving course 1 for educaction 1 for educating my children or anything that may com 1 for education 3 for education purposes 1 for electricity 1 for emergences 1 for emergencies 1 for emergency 2 for emergency purposes 1 for emmergency 1 for entertainment eg talktime 1 for future use 9 for future use and other expected circumstances 1 for future use or emergency 1 for ironsheets and matress 1 for living expencess 1 for my childen 1 for my education 2 for my kids 1 for my personal emergencies 1 for my wife andchildren 1 for paying school fees 1 for personal use 2 for rentals 1 for safety 1 for school 8 for school children 1 for school fees 2 for talk time 1 for the future 1 for tuition fees 1 for use 1 for use ar 1 for when i stop work or retire 1 future 1 future emergencies 1 future expenses 1 future plans 1 future use 5 garden products 1 hand to mouth 1 has no savings 2 hasn't saved anything 1 have no saved money 1 have no saving 1 have not saved any money 1 have not saved anything 1 have not used the money yet 1 haven't used it yet 1 havent saved 1 he does save for buy property such as iron sheets" 1 he does save for farming and living expenses. 1 he dosent have any savings 1 he has not saved anything yet new account 1 he wants to strt betting 1 help you when you are old and cant work 1 helped a family member who was sick 1 helping a relative with education 1 household expenses 1 i avoid miss using 1 i bought cattle 1 i bought iron sheets for roofing my house 1 i currently have no savings 1 i did not save any 1 i did not save at all. 1 i dindn't save anything 1 i do not keep savings 1 i do not save 1 i don't have expenses 1 i don't have money 1 i don't save 1 i dont have any savings 1 i dont have savings 1 i dont save 3 i dont save money 3 i dont serve 1 i gave back i owwed money 1 i have no money 1 i have no money to save 2 i have no savings 1 i never saved money 1 i want to go colleage next year 1 immergency 1 improving lives 1 in cause of anyting 1 interest is low 1 iron sheets 1 it for the education 1 it is saved for a particular purpose 1 just for keeping 1 just savung for any case of emergeny 1 l Don't save 1 l dont have money 1 l dont have savings 2 l dont save 1 l dont use 1 laptop 1 live stock 1 lobola 1 medical 1 medication 1 money for fertilizer 1 money for school 1 money to go back to school 1 money to use later 1 money to use later when need arises 1 money used to educate my children 1 my children 1 never borrowed 1 never have money to save 1 never saved 1 no contact 1 no money 2 no money has been kept 1 no money to save 3 no saving 4 no savings 16 none 4 none applicable 1 none of the above 1 not aplicable 2 not aplicsble 1 not applicable 13 not applicable to main respondant 1 not money 1 not saved 2 not saved any money 1 not saving 1 not so sure 1 not worsting 1 not yet made a decision 1 not yet started saving 1 nothing 3 notn applicable 1 parents do it 1 pay credit 1 pay school fees 1 paying bride price 1 paying for school fees 1 paying tution fees and food 1 personal expenses 2 personal usage 1 respondent want to buy a new bicycle 1 retirement package 1 safe keeping 1 saved for emengency 1 saving 1 saving for school 2 saving to get a license 1 school 4 school expenses 1 school expensses 1 school fees 7 school fees for kids 1 school materials 1 school things 1 she does not save 1 she doesn't save 1 so to cover for old age 1 spend as i want 1 start up capital 1 talk time 2 the respondant said she is been kept 1 to borrow 1 to build a house 2 to buy a phone 3 to buy books 1 to buy cloths 1 to buy farming inputs 1 to buy fertilizer 1 to buy fishing equipments 1 to buy food 2 to buy land 1 to buy livestock 1 to buy myself things when i need such as snacks 1 to buy seed 1 to earn interest 1 to help with childrens education 1 to help with school fees for my children 1 to obtain drivers license 1 to pay for school fees 1 to pay school fees 1 to pay school fees for my grandkids 1 to start a bussiness 1 to use for emergencies 1 to use it when i want it 1 trasport when going to school 1 tution fees 1 unexpected expenses 2 unknown expenses 1 unxpected expenses at home 1 up keep for school 1 use for regular and unexpected expenses 1 use when i need it 1 used to pay electricity connections 1 used to play 1 want to buy livestock 1 wants to buy something for her mom on her birthday 1 we bought food 1 went out for a party 1 when have a problem i can use it 1 F.6.1 You said you saved mainly to help you cope with regular expenses. What kin 3139 9642 1 Education or education related costs 547 2 Living expenses 2537 3 Paying off debt 5 4 Saving group contribution 8 5 Other, specify 42 Sysmiss 9642 F.6.1_S. Specify what kind of expenses. 42 0 AYTHING I WANT 1 CLOTHES 1 CLOTHING 1 DO NOT SAVE 1 FARMING 1 FOOD TO EAT 1 FOR MY OWN USE 1 Food 1 Start a business 1 TALKTIME 1 busness purpose 1 buy clothes 1 buying cloths 1 buying food 1 buying lotion 1 buying medicine for livistock 1 buying some food stuffs 1 child expenses 1 clothers 1 clothing 1 cloths 2 detoiletries 1 farming 1 farming imputs 1 food 2 food and groceries 1 food and rentals 1 food, clothes, lotion etc 1 for my petty expencies 1 helping out parents 1 home expenses 1 household griceries 1 ichilimba contribution 1 living expences and paying off debts 1 personal 1 personal consumption 1 personal things 1 reisure 1 saving for the children 1 talktime 1 F.6.2 You said you saved mainly to help you cope with unexpected expenses. What 1237 11544 1 Medical expenses 491 2 Funeral expenses 179 3 Other, specify 567 Sysmiss 11544 F.6.2_S. Specify what kind of expenses. 0 0 F.6.3 You said you saved mainly for business purposes. What was this for? 687 12094 1 Startup costs such as registration, etc. or buying a busines 86 2 Buying inputs, stocks 333 3 Buying land or property for business purposes 88 4 Buying business equipment such as a printer or sewing machin 42 5 Buying a bicycle, motorcycle, car, truck or other means of t 8 6 Covering production/processing/marketing costs 24 7 Other, specify 106 Sysmiss 12094 F.6.3_S. Specify what this was for. 106 0 BAKING OF BANS 1 BUYING AND SELLING OF GROCERIES 1 BUYING AND SELLLING OF FOOD STUFFS 1 BUYING CHARCOAL AND RESELLING 1 BUYING GROCCERIES AND RE-SELLING 1 BUYING HARDWARE FOR THE SHOP 1 BUYING MORE SHOES 1 BUYING PRODUCTS TO SALE 1 Buy Goods 1 Buying grocery/fish 1 Buying livestock 1 Charcoal burning 1 EXISTING BUSINESS 1 FERTLIZER 1 FOR CROPS I GROW 1 For ordering goods 1 Improve my Business 1 ORDERING VEGITABLES AND TOMATOES FOR SALE 1 Reinvests in the fish selling business 1 TO INCREASE MY CAPITAL 1 To start up another business apart from selling 1 adding up to business capital 1 backup capital 1 building houses 1 business 1 bussiness purposes 1 buy a bag of millet 1 buy materials to sale 1 buy more crops to sell and eat 1 buying and selling rice 1 buying ascorted goods 1 buying charcoal 2 buying chicken then sell later 1 buying clothes to resell 1 buying farming seed 1 buying fish for business and tomatoes for sale 1 buying goods 1 buying groceries to sell 1 buying lifestock 1 buying maiz 1 buying more of tomatoes to sell 1 buying of fish for sell 1 buying saloon equipment 1 buying second hand clothes 1 buying things for exchange 1 buying things that can be sold to earn more money 1 buying things to seal 1 buying unpolished rice for resale after polishing 1 buying vegetables for sealing 1 buying wrappers and plates 1 children s education 1 clothes 1 clothing 1 dry fish for sale 1 fish 1 food business 1 for building a house for rentals 1 for buying goods 1 for buying materal for uniforms 1 for buying products the re -sell 1 for injecting into business 1 for ordering goods to resale 1 1 giving people money on credit 1 i wanted to buy kapenta 1 improve on business 1 increase number of fish for sell 1 lending to people 1 lique store 1 loan shark 1 market things 1 ordering charcoal for sale 1 ordering goods for selling such as cooking oil... 1 own business 1 poultry business 2 poultry feed 1 poutry 1 preparation for fishing 1 restocking goods 1 saling fish 1 saving as a business venture to interest 1 selling and buying tomatoes 1 selling beer 1 selling cloths 1 selling eggs 1 selling of petrol 1 selling talk time 1 selling tomatoes 1 shoes 1 spare parts 1 start a busines with a salon 1 start a saloon 1 start livestock farming 1 start making fritters and seling drinks 1 talk time business 2 tax bussiness 1 to boost my capital 1 to buy livestock 1 to buy more charcoal 1 to open a saloon 1 transporting goods 1 transporting of goods 1 want to start business after share out 1 F.6.4 You said you mainly saved to help you with for farming/fishing expenses. W 896 11885 1 Buying inputs like seeds, fertilizer or for land preparation 726 2 Buying/renting land for farming purposes 26 3 Buying livestock 47 4 Buying farming equipment or implements/fishing equipment suc 73 5 Buying a bicycle, motorcycle, car, truck, tractor or other m 1 6 Covering production/processing/marketing costs 7 7 Other, specify 16 Sysmiss 11885 F.6.4_S. Specify what this was for. 16 0 Farm Laboures 1 Paying Farm Labourers 1 buy a plot 1 buying fertiliser 1 buying fishing and farming. equipments 1 buying fishing materials 1 buying fishnets 1 child birth preparation 1 employ people to help me 1 farming 1 for people to pack my charcoal and till the land 1 giving people to help me with farming 1 pay people to work in the farm 1 paying piece workers 1 paying workers 1 piece work 1 F.7 Approximately how much money do you currently have saved or put away? 6628 6153 0 900000 2238.755 13385.356 F.8 In the past 12 months, have you bought/built/started anything with the inten 12704 77 1 Yes 1101 2 No 11603 Sysmiss 77 F.9 What was the last thing you bought/built/started for this purpose? 1102 11679 1 Bought land/farm/property 130 2 Bought/built house 167 3 Bought household appliance such as a fridge/TV/stove 38 4 Bought/started a business 244 5 Bought livestock 292 6 Bought Treasury bills/bonds/shares/collective investment sch 0 7 Bought jewellery/coins 3 8 Other, specify 228 Sysmiss 11679 F.9_S. Specify the last thing you bought/built/started for this purpose. 226 0 A car 1 A plot 1 A shop 2 A vehicle 1 BOUGHT A BICYCLE 1 BOUGHT A PHONE TO SELL 1 BOUGHT FOOD STUFFS 1 BUSINESS 1 Beans Kapenta 1 Bought Nets 1 Bought beans for resale 1 Bought maize 1 Bought mattiresses 1 Business good 1 Buys and resales tomatoes 1 CAR 1 CHARCOAL 2 CLOTHS, SHOES AND HAND BAGS 1 CULTIVATING MAIZE 1 Charcoal 1 Chicken rearing 1 Cut down trees to make charcoal 1 Education 1 FLOUR 1 Farming inputs 3 Goat 1 HUMMER MILL 1 INVESTED IN BUSINESS 1 Kapenta 1 Livestock 1 PARAFFIN 1 Ran her own business 1 Rearing chickens 2 Solar panels 1 Started selling tomatoes 1 a pair of shoes 1 agricultal seed etc 1 baffer making 1 barbar shop 1 battery and touch 1 baught chacho 1 baught equipement 1 beer 1 bicycle 3 blankets 1 bohght rice to resale 1 bought a bicycle 1 bought a bycicle 1 bought a car 1 bought a plough 1 bought beans 1 bought cassava 1 bought cassava for selling 1 bought charcoal for resell 1 bought chickens 2 bought cloths for selling 1 bought farming inputs 1 bought farming seed 1 1 bought fish for sale 1 bought iron sheets 1 bought kitchen utensils 1 bought livestock(cattle) 1 bought maize 2 bought maize and groundnuts 1 bought maize for k4000 1 bought maize for selling 1 bought phone 1 bought rice for resell 1 bought sacks of rice 1 bought seed for farming 1 bought shoes 1 bought sim cards for sell to profit 1 bought soya pieces 1 bought sunflower 2 bought/built Bar 1 1 brewing beer 1 brick making 1 buffalo bicycle 1 built a poultry house 1 built a shop 1 built a shop for rent 1 business stock 1 bussiness stock 1 buy fish to resell 1 buying and selling of agriculture products 1 buying differect products and later sealing them 1 buys cars for resale 1 car 3 carpentry work 1 charcoal 1 charcoal burning 1 chicken 1 clothed 1 cows 1 do farming 1 does pieceworks to earn money 1 doing farming 1 drums,cars,scochcar 1 educating children 1 education 2 farming 24 farming inputs 2 farming produce 1 farming(gardening) 1 feed 1 fertilizer 1 fish and salt 1 fishing 1 gardening 6 gardening and selling frighters 1 goat 1 good for the shop 1 goods selling at the market 1 groceries 2 grocery store inputs 1 groundnuts 1 harvested maize, beans and ground for sell 1 have kept the maize to come and sell in future 1 health products 1 home theater 1 household goods 1 i have started a small bussiness 1 kept farm produce 2 kept millet and bricks 1 lent someone money 1 made mud bricks for sale 1 maize 5 maize bags 1 making bricks for sale 1 making bricks for sell 1 mazi 1 nothing 3 odered hair, vclothes and shoes 1 phone 4 phones 2 piece work 1 planning to start piggery business 1 planted gurden produce 1 poultry 1 rearing of chickens 1 savings 1 seedlings 1 selling charcoal 1 selling freetas 1 selling frighters to earn profit 1 selling gish 1 selling hand bags 1 selling rice 1 selling some sausages 1 selling talk time 1 she does piece works. 1 shoes 2 shop 1 shop groceries 1 solar panel 1 sold fish 1 solt and plates 1 sowing machine 1 soya beans 1 started a buisness 1 started a garden 1 started a grocery 1 started gardening 1 started making a boat 1 started selling chickens 1 started selling friters 1 still in school 1 stock for client 1 tomatoes 1 F.10 In the past 12 months, have you bought/built/started anything with the inte 12704 77 1 Yes 1194 2 No 11510 Sysmiss 77 F.11 What was the last thing you bought/built/started for this purpose? 1194 11587 1 Bought a car/vehicle 13 2 Bought/built house/flat/apartment to rent out 149 3 Bought land/farm to rent out 71 4 Bought/started a business 537 5 Bought equipment/machinery/tools such as sewing machine, sto 28 6 Bought Treasury bills/bonds/shares/collective investment sch 1 7 Bought livestock 179 8 Other, specify 216 Sysmiss 11587 F.11_S. Specify the last thing you bought/built/started for this purpose. 216 0 "he does several piece works" 1 "she does piece works" 1 A phone 1 BOUGHT A BICYCLE 1 BOUGHT MAIZE 2 Bought cassava for resale 1 Bought charcoal for resell 1 Bought fertiliser for farming 1 Bought sweetpotatoes for selling 1 Bought vegetable seeds for planting. 1 CLOTHS AND BAGS 1 CULTIVATING MAIZE 1 CULTIVATION A PIECE OF LAND 1 Charcoal 1 Chicken rearing 1 FLOUR 1 Farming 1 Farming, increased the yield 1 Fishing inputs 1 Garden 1 Gardening 3 Gardening produce 1 Gold mining 1 JOINED A SAVINGS GROUP 1 Kaloba 1 MAIZE 1 Making tradition beer 1 Nets 1 Nothing 1 OWN BUSINESS 1 PHONE 1 Planted Vegetables 1 RESPONDENT DECLINED TO RESPOND 1 SHOE REPAIR 1 STARTED SELLING CHARCOAL 1 Selling rice 1 Selling tomatoes 1 Started a shop 1 Started clearing land for farming 1 Started farming 1 Started farming new crops 1 Tomatoes 1 a house 1 bags 1 beer making 1 boat 1 bought a plot to build a house 1 bought an hair brower 1 bought cassava to resell 1 bought charcoal 1 bought charcoal for resell 1 bought cloths to sell 1 bought computers 1 bought fertiliser 1 bought fish 1 bought fishing nets 1 bought flour and started making friters 1 bought iron sheets 1 bought land and built a shop 1 bought land to build on 1 bought mainz and groundnuts 1 bought maize 1 bought meniken heads on which to make wigs on 1 bought millet 1 bought plot 1 bought sim cards 1 bought solar panel 1 brewing beer 1 brick laying 1 brick making 1 brought up a Small Football cinema 1 built window frames 1 builta shop for rent 1 business 1 business purpose 1 cab driving 1 charcoal 2 charcoal burning 1 charcoal for resale 1 chickens 1 clearing fields for farming 1 cloths and shoes 1 cows 1 currently building for a house for rent 1 does piecework to earn 1 drugs 1 education 2 fabrication materials 1 farm plantation 1 farm produce and gardening 1 farmimg 2 farming 25 farming inputs 3 farming seed 1 feed 1 fertilizer 1 fertilizer and seeds. 1 fish business 1 food foor the house hold 1 gaden 1 garden 1 garden produce 1 gardening 8 gardening produce 1 geowing vegtables 1 given a land for farming 1 groundnuts 1 grown tomato 1 harvested maize, groundnuts and beans for sell 1 he had bought fertilizers 1 house 1 i have started a bussiness 1 iron sheets 1 jewwery 1 joned chilimba 1 keeping livestock for sale 1 laptop 2 livestock 1 made fishing traps 1 maize 1 majored in farming 1 making and burning bricks 1 making door mats 1 moble money 1 motor bicycle 1 motor bike 1 motor pump 1 network marketing 1 nothing 1 ocasionL jobs 1 opened a bar but now its closed 1 pautry 1 phone 1 piece work 2 planning to build a semi detached houses 1 plantation of rice 1 planted vegetables 1 planting some beans 1 put it in back in rice buisness 1 rearing of chickens 1 renting some farm land to grow produce on 1 sacks of rice 1 scochcart 1 seedlings 1 selling eggs 1 selling fish 2 selling freezets 1 selling gardening produce 1 selling of grass brooms 1 selling sausages 1 she does sold talktime 1 she had created a fish pond at home. 1 she started working at Zampalm 1 shoes 1 shop 1 started brewering lutuku and wine 1 started bulding a house 1 started bulding a shop 1 started bussiness 1 started carpentry 1 started charcoal burning 1 started farming 1 started gardening 1 started sellig opaque beer 1 started selling alcohol 1 started up a business 1 starting a boutique 1 sugarcane for sale 1 talktime 1 tomaroes and charcoal for resell 1 tomato 1 wiring equipment 1 work shop tool to cut wood (saw) 1 working 1 F12.1 Are you familiar with ... 0 12781 1 Proceed 0 Sysmiss 12781 F12.1 Are you familiar with Securities and Exchange Commission (SEC)? 12704 77 1 Heard and know the meaning 266 2 Heard but do not know the meaning 800 3 Never heard 11638 Sysmiss 77 F12.2 Are you familiar with Lusaka Securities Exchange (LuSE)? 12704 77 1 Heard and know the meaning 431 2 Heard but do not know the meaning 1042 3 Never heard 11231 Sysmiss 77 F12.3 Are you familiar with Capital Markets Association of Zambia (CMAZ)? 12704 77 1 Heard and know the meaning 168 2 Heard but do not know the meaning 844 3 Never heard 11692 Sysmiss 77 F12.4 Are you familiar with Listed company e.g. ZAFFICO Plc. ZCCM IH, Zanaco Ban 12704 77 1 Heard and know the meaning 1538 2 Heard but do not know the meaning 2602 3 Never heard 8564 Sysmiss 77 F12.5 Are you familiar with Dividends? 12704 77 1 Heard and know the meaning 454 2 Heard but do not know the meaning 762 3 Never heard 11488 Sysmiss 77 F12.6 Are you familiar with Corporate bonds / Government bonds / Treasury Bills/ 12704 77 1 Heard and know the meaning 404 2 Heard but do not know the meaning 964 3 Never heard 11336 Sysmiss 77 F12.7 Are you familiar with Collective Investment Scheme or Unit Trust? 12704 77 1 Heard and know the meaning 166 2 Heard but do not know the meaning 658 3 Never heard 11880 Sysmiss 77 F12.8 Are you familiar with Stockbroker / Dealer / Investment Adviser ? 12704 77 1 Heard and know the meaning 377 2 Heard but do not know the meaning 855 3 Never heard 11472 Sysmiss 77 F.13.1 How did you first hear about Securities and Exchange Commission (SEC)? 266 12515 1 Television 77 2 Radio 37 3 Newspaper 16 4 Internet 22 5 Social media (Facebook, Whatsapp, Twitter) 16 6 Financial Service Provider (Stockbroker, Fund manager) 7 7 SMS 0 8 Family / Friend / Co-workers 24 9 Financial literacy campaign (financial literacy week, world 4 10 Seminar / Talk / Presentation 7 11 School / Personal study / Research 49 12 Billboard advert 0 13 Others, specify 7 Sysmiss 12515 F.13.1_S. Specify how you first heard about it. 7 0 NEVER HEARD 1 community 1 school 1 use to work there 1 work 1 work place 2 F.13.2 How did you first hear about Lusaka Securities Exchange (LuSE)? 431 12350 1 Television 151 2 Radio 62 3 Newspaper 25 4 Internet 26 5 Social media (Facebook, Whatsapp, Twitter) 16 6 Financial Service Provider (Stockbroker, Fund manager) 11 7 SMS 0 8 Family / Friend / Co-workers 22 9 Financial literacy campaign (financial literacy week, world 6 10 Seminar / Talk / Presentation 0 11 School / Personal study / Research 102 12 Billboard advert 1 13 Others, specify 9 Sysmiss 12350 F.13.2_S. Specify how you first heard about it. 9 0 employer 1 never heard 1 school 3 television 1 work 1 work place 2 F.13.3 How did you first hear about Capital Markets Association of Zambia (CMAZ) 168 12613 1 Television 68 2 Radio 18 3 Newspaper 12 4 Internet 12 5 Social media (Facebook, Whatsapp, Twitter) 5 6 Financial Service Provider (Stockbroker, Fund manager) 4 7 SMS 0 8 Family / Friend / Co-workers 11 9 Financial literacy campaign (financial literacy week, world 3 10 Seminar / Talk / Presentation 1 11 School / Personal study / Research 31 12 Billboard advert 1 13 Others, specify 2 Sysmiss 12613 F.13.3_S. Specify how you first heard about it. 2 0 Member 1 school 1 F.13.4 How did you first hear about Listed company e.g. ZAFFICO Plc. ZCCM IH, Za 1538 11243 1 Television 488 2 Radio 299 3 Newspaper 39 4 Internet 37 5 Social media (Facebook, Whatsapp, Twitter) 27 6 Financial Service Provider (Stockbroker, Fund manager) 20 7 SMS 6 8 Family / Friend / Co-workers 357 9 Financial literacy campaign (financial literacy week, world 12 10 Seminar / Talk / Presentation 7 11 School / Personal study / Research 174 12 Billboard advert 35 13 Others, specify 37 Sysmiss 11243 F.13.4_S. Specify how you first heard about it. 37 0 "at school" 1 Agents from zanaco 1 BANK AGENTS 1 Been there 1 I WORK IN MINES SO I KNOW THESE 1 Knew Zaffico through the community. 1 Saw it physically 1 WENT THERE TO THE BOMA 1 WHERE MY HUSBAND HAS ANY ACCOUNT 1 WORK PLACE 1 ZANACO IS THE BANK I USE TO GET MY SALARY 1 ZANACO MY AUNTIE DEPOSITS MY SCHOOL FEES 1 agents 2 at work place 1 bank agent 1 community 1 cooperative FISP 1 employer 1 forgot how i heard it 1 from Nakonde bordar 1 husband 1 i saw it in town like choma and monze 1 i went there 1 news 1 not applicable 1 online 1 personaly been there 1 saw the buildings 1 school 1 the main brach of zanaco 1 their branch 1 town 1 used to work for Zaffico 1 went to zanaco 1 work 1 works with zanaco plc 1 F.13.5 How did you first hear about Dividends? 454 12327 1 Television 107 2 Radio 38 3 Newspaper 28 4 Internet 15 5 Social media (Facebook, Whatsapp, Twitter) 10 6 Financial Service Provider (Stockbroker, Fund manager) 15 7 SMS 1 8 Family / Friend / Co-workers 44 9 Financial literacy campaign (financial literacy week, world 10 10 Seminar / Talk / Presentation 4 11 School / Personal study / Research 174 12 Billboard advert 0 13 Others, specify 8 Sysmiss 12327 F.13.5_S. Specify how you first heard about it. 8 0 bank consultantion specically std 1 does not know 1 from workmates 1 high school 1 savings meetings 1 school 2 work place 1 F.13.6 How did you first hear about Corporate bonds / Government bonds / Treasur 404 12377 1 Television 118 2 Radio 32 3 Newspaper 31 4 Internet 29 5 Social media (Facebook, Whatsapp, Twitter) 12 6 Financial Service Provider (Stockbroker, Fund manager) 7 7 SMS 1 8 Family / Friend / Co-workers 41 9 Financial literacy campaign (financial literacy week, world 11 10 Seminar / Talk / Presentation 8 11 School / Personal study / Research 104 12 Billboard advert 0 13 Others, specify 10 Sysmiss 12377 F.13.6_S. Specify how you first heard about it. 10 0 Provincial Administration office 1 at work 1 business people 1 cooperative 1 dont know it 1 financial news market 1 school 1 was an investor 1 work 2 F.13.7 How did you first hear about Collective Investment Scheme or Unit Trust? 166 12615 1 Television 52 2 Radio 10 3 Newspaper 9 4 Internet 13 5 Social media (Facebook, Whatsapp, Twitter) 6 6 Financial Service Provider (Stockbroker, Fund manager) 5 7 SMS 0 8 Family / Friend / Co-workers 24 9 Financial literacy campaign (financial literacy week, world 8 10 Seminar / Talk / Presentation 2 11 School / Personal study / Research 29 12 Billboard advert 3 13 Others, specify 5 Sysmiss 12615 F.13.7_S. Specify how you first heard about it. 5 0 a friend from EFC 1 at work 1 school 1 we have a schem in the neigbouring village 1 work 1 F.13.8 How did you first hear about Stockbroker / Dealer / Investment Adviser? 377 12404 1 Television 95 2 Radio 29 3 Newspaper 21 4 Internet 27 5 Social media (Facebook, Whatsapp, Twitter) 14 6 Financial Service Provider (Stockbroker, Fund manager) 20 7 SMS 1 8 Family / Friend / Co-workers 52 9 Financial literacy campaign (financial literacy week, world 10 10 Seminar / Talk / Presentation 2 11 School / Personal study / Research 99 12 Billboard advert 1 13 Others, specify 6 Sysmiss 12404 F.13.8_S. Specify how you first heard about it. 6 0 at work 1 bank consultatiom 1 learnt through his previous job 1 never heard 1 school 1 work place 1 F.14 Please tell me which of the following you agree with? Read out; Multiple me 1781 11000 1 Proceed 1781 Sysmiss 11000 F.14.1 An individual can invest in Treasury bills/bonds/shares/collective invest 1781 11000 1 Agree 632 2 Disagree 163 3 Don''t know 986 Sysmiss 11000 F.14.2 Investing in Treasury bills/bonds/shares/collective investment schemes (u 1781 11000 1 Agree 313 2 Disagree 506 3 Don''t know 962 Sysmiss 11000 F.14.3 Investing in Treasury bills/bonds/shares/collective investment schemes (u 1781 11000 1 Agree 592 2 Disagree 197 3 Don''t know 992 Sysmiss 11000 F.14.4 Investing in Treasury bills/bonds/shares/collective investment schemes (u 1781 11000 1 Agree 612 2 Disagree 147 3 Don''t know 1022 Sysmiss 11000 F.14.5 You may lose or gain by investing in Treasury bills/bonds/shares/collecti 1781 11000 1 Agree 455 2 Disagree 273 3 Don''t know 1053 Sysmiss 11000 F.14.6 A company can raise capital through the capital market 1781 11000 1 Agree 641 2 Disagree 113 3 Don''t know 1027 Sysmiss 11000 F.14.7 You understand how investment in Treasury bills/bonds/shares/collective i 1781 11000 1 Agree 395 2 Disagree 441 3 Don''t know 945 Sysmiss 11000 F.14.8 You trust financial service providers that offer investment products 1781 11000 1 Agree 485 2 Disagree 394 3 Don''t know 902 Sysmiss 11000 F.14.9 Share prices of a listed company may rise or fall 1781 11000 1 Agree 778 2 Disagree 130 3 Don''t know 873 Sysmiss 11000 F.14.10 You become a part owner of a company if you buy shares 1781 11000 1 Agree 911 2 Disagree 153 3 Don''t know 717 Sysmiss 11000 F.14.11 As an investor, you have the right to participate at a listed company's 1781 11000 1 Agree 766 2 Disagree 126 3 Don''t know 889 Sysmiss 11000 F.15 Have you ever invested in a treasury bills/bonds/shares/collective investme 1781 11000 1 Yes 53 2 No 1728 Sysmiss 11000 F.16 Please tell me which of the following products you have invested in? 48 0 1 18 12 2 123 4 1234 1 14 2 2 4 3 6 34 1 4 10 F.17 What was the main reason you invested in a capital markets product? 53 12728 1 I invest to earn interest 26 2 I invest to build wealth 9 3 I invest to prepare for my life after retirement 6 4 I invest because my family / friends / colleagues do it 4 5 Other, specify 8 Sysmiss 12728 F.17_S. Specify the main reason you invested in a capital markets product. 8 0 To grow capital for futher investiments 1 bussiness 1 do not have 1 for capital 1 never invested 1 none 2 not invr 1 F.18 What is the main reason you have NOT invested in treasury bills/bonds/share 1781 11000 1 Do not know the benefits of investing 184 2 Do not know how it works 480 3 Do not know where the product is offered 95 4 Do not trust the companies that provide the products 33 5 Do not have money to invest 390 6 I am scared to lose my money 71 7 Others, specify 118 9 I have never heard of it 410 Sysmiss 11000 F.18_S. Specify the main reason you have NOT invested in treasury bills/bonds/sh 118 0 DIDNT HAVE TO 1 Dont hav so much confidence 1 Dont know 1 HAVE NEVER HEARD ABOUT IT 1 HAVE NO MONEY UAVE BEEN SICK FOR FIVE YEARS 1 He has just not tried it 1 I DON'T KNOW ABOUT IT AND I DONT HAVE MONEY 1 I DONT WANT TO 1 I HAVE NO MONEY 1 I want people to invest in my business 1 Im comfortable 1 Invests some where else 1 NEVER THOUGHT OF IT 1 NO ENOUGH MONEY 1 NO MONEY 2 NO PROPER REASON 1 NO REASON 1 NOT APPLICABLE 1 NOT YET EMPLOYED 1 Never thought about it 2 No money to invest 1 No proper income 1 No specific reason 2 STLL GIVING IT A FUTURE THOUGHT 1 Will do when i want 1 am just organising business 1 am still in school 1 busy with work 1 currently not enough money 1 currently saving for something else 1 do not have money 1 do not have sufficient funds 1 don't know 1 dont have enough information about them 1 dont have money 2 dont know where to start from(lack of info.) 1 dont want 1 dont want to 1 due to other options of serving 1 expensive 1 has invested 1 has invested in them 1 has no connection 1 have invested 1 have invested in my own business 1 he had no money to do so. 1 i dont have capital 1 i dont have enough money to invest 1 i dont have money 1 i dont have money to invest 1 i dont just want 1 i dont know how it works 1 i dont know were to start from 1 i have different way of savings 1 i have invested in bills 1 i invest in properties 1 i invested in treasury bills 1 i stay very far 1 im at school and depend on my parents 1 interest too low 1 invest in trusts 1 its very far 1 just do not want to 1 just started up business 1 lack of adquate information 1 lack of interest 1 lack of intrest 1 never felt like 1 never had the opportunity 1 no adequate information 1 no interest 1 no need 1 no reason 6 no specific reason 3 no time 1 none 4 not applicable 2 not interest 1 not interested 1 not intrested 1 not taken interest 1 nothing 2 noy thought of 1 pupil 2 still at school 3 still at svhool 1 still building own business 1 still in school 2 still in the growing fase 1 still researching 1 still schooling 1 still studing 2 stock broker stopped 1 the bank ceased to offer the service in 1997 1 they !re no such services here 1 tight with other things 1 too late to invest 1 F.19 How frequently do you invest in the capital markets? Read out; Single menti 168 12613 1 Only when there is an Initial Public Offering (IPO) 59 2 At least once a week but not everyday 16 3 At least once every two weeks, but not once a week 7 4 At least once a month, but not once every two weeks 14 5 Less than once a month 72 Sysmiss 12613 F.20 Have you received investment advice regarding a product in the capital mark 12704 77 1 Yes 122 2 No 12582 Sysmiss 77 F.21 Who gave you the investment advice? 69 0 1 2 15 1 2 6 235 2 24 1 25 1 3 5 345 1 35 3 36 1 4 2 45 1 5 34 56 1 6 8 F.21_S. Specify who gave you the investment advice. 10 0 Family 1 Her son 1 WINDU MATOKA 1 ZSIC 1 advertiments not really on a personal level 1 at school 1 at work 1 insuarance company 1 on the television 1 world version 1 F.22 Do the products being provided in the capital markets meet your financial g 69 12712 1 Yes 35 2 No 34 Sysmiss 12712 F.23 Where would you first go if you had a complaint regarding a capital markets 1781 11000 1 I would go to the company that offered me the investment pro 568 2 I would go the Securities and Exchange Commission (SEC) 75 3 I would go to the Lusaka Securities Exchange (LuSE) 50 4 I would go to the Capital Markets Association of Zambia 54 5 I would go to the Competition and Consumer Protection Commis 61 6 I would do nothing about it 694 7 Other, specify 279 Sysmiss 11000 F.23_S. Specify where you would first go if you had a complaint regarding a capi 279 0 "None" 1 "he does nothing because he knows nothing" 1 "she does know" 1 .RESPONDENT DIDNT INVEST 1 Business Bankers 1 DID NOT INVEST IN ANY OF THESE 1 DO NOT KNOW 1 DOES NOT KNOW 2 DONT KNOW 2 DONT KNOW ABOUT IT 1 DONT KNOW CAPITAL MARKETS 1 DONT KNOW WHERE TO COMPLAIN 1 Do not know were to go 1 Doesn't know 2 Don't know 5 Don't know what it is 1 Dont know 1 Dont know about it 1 HAVEN'T INVESTED IN CAPITAL MARKETS 1 HE NOT HEARD ABOUT THINGS 1 I DONT KNOW 3 I DONT KNOW ABOUT IT 1 I HAVE NOT HEARD ABOUT IT 1 I don't know 1 I don't know I have never dealt in these 1 I dont know 1 1 NEVER HEARD 4 NEVER INVESTED IN IT 1 NO MONEY 1 NON OF THE ABOVE 1 NONE 1 NOT APPLICABLE 3 NOT APPLICATION 2 NOWHERE 1 Never heard of them 1 No idea 1 No idea about capital markets 1 Not aware where to go 1 Police 1 REPORT TO POLICE 1 RESPONDENT DOES NOT FAMILIAR WITH CAPITAL MARKETS 1 RESPONDENT DOESNT KNOW 1 RESPONDENT DOESNT KNOW ABOUT CAPITAL MARKETS 1 RESPONDENT HASENTS INVESTED 1 am not sure about the company 1 bank 2 bank of zambia 2 cant recall 1 capital market 1 consumer protection commisdion 1 court 1 customer service 2 did not invest 1 do not know 2 do not know anywhere to go for complaits 1 do not know what it is 1 do not know where to complain to 1 do now what it is 1 do nt know anthing about capital markets 1 does not know 3 does not know . 1 does not know about capital markets 1 does not know about it 1 does not know anthing about capital market 1 does not know where to go to and report 1 does not know where to report 1 doesn't know about capital market 1 doesnt know 7 don't invest in capital markets 1 don't know 8 don't know how it works 1 dong know about capital markets 1 dont have money yo invest 1 dont how capita! markets works 1 dont invest in capital markets 1 dont kmow it 1 dont know 34 dont know about capital markets 3 dont know about it 1 dont know anthing about capital markets 1 dont know anthing of capital markets 1 dont know antning about capital markets 1 dont know anything 1 dont know anything about capital markets 2 dont know anything about capitsl markets 2 dont know anything aboyt capifsl markets 1 dont know capital markets 2 dont know how it works 1 dont know it 4 dont know of capital markets 1 dont know what capital markets are 1 dont know what it means 1 dont know what they are 1 dont know what to do as he doesent understand or k 1 dont know where 1 dont know where to go 3 dont kow 1 dont no 2 dont understand 1 family member 1 financial advisors of the same company 1 giving the complait to the leader of the country 1 go to stockbroker 1 go to the government or police 1 has not used any product 1 1 have no knowledge about this 1 have no used service 1 haven't invested 1 he does not know how it works 1 he does not know where to go. 1 health company 1 i do not know 1 i don't know 1 i dont have that 1 i dont know 2 i dont know anything about capital markets 1 i dont know it 1 i dont know them 1 i dont know where it is found 1 i dont knownhow these work 1 i dont knw 2 i dont participate 1 i have never heard about it 1 i never heard about it 1 l do not know 1 l dont about it 1 l dont know 1 never heard 2 never heard of it 4 never heard of it. 1 never invested 1 no idea 5 no ideal how they work 1 no ideal where to go to 1 no information 1 no need 1 no nothing 1 no were because i did not invest in any capital 1 no where 2 no where (not invested in capital markets) 1 no where cause dont have money 1 none 11 not applicable 6 not aware of it 1 not familiar with the products 1 not sure because i have never invested before 1 not sure where to go 1 not sure, knowledge on the issure is not enough 1 nothing 2 nothing because i never heard about it 1 nothing because she doesn't know 1 nothing because she have never heard about it. 1 nothing i dont know about them. 1 nowhere 1 nowhere because am not investing 1 nowhere i dont know how its works 1 pacra 1 policce 1 police 5 report to the police 1 respondant does not know 1 she doent know 1 she does not how it work 1 still at svhool 1 still studing 1 stock broker 1 they did not 1 would go to labor office 1 G.1 Do you agree with the following statements? 12704 77 1 Proceed 12704 Sysmiss 77 G.1.1 You avoid borrowing money if you can 12704 77 1 Yes 10208 2 No 2022 3 Don?t Know 474 Sysmiss 77 G.1.2 You prefer to save money for something rather than borrow to pay for it 12704 77 1 Yes 9449 2 No 2619 3 Don?t Know 636 Sysmiss 77 G.1.3 If you borrow money it is okay to pay it a bit later than agreed 12704 77 1 Yes 2551 2 No 9506 3 Don?t Know 647 Sysmiss 77 G.1.4 It is okay to borrow money to pay back outstanding debt 12704 77 1 Yes 2184 2 No 9758 3 Don?t Know 762 Sysmiss 77 G.1.5 It is better to remain with debt than to sell something to pay it 12704 77 1 Yes 3008 2 No 8923 3 Don?t Know 773 Sysmiss 77 G.1.6 It is better to keep savings than to use it to pay off debt 12704 77 1 Yes 3015 2 No 8826 3 Don?t Know 863 Sysmiss 77 G.1.7 Without borrowing you would not be able to feed your family 12704 77 1 Yes 1436 2 No 10388 3 Don?t Know 880 Sysmiss 77 G.1.8 You don?t mind borrowing money to get something you really need 12704 77 1 Yes 3637 2 No 8276 3 Don?t Know 791 Sysmiss 77 G.1.9 Being able to borrow money when you need it is more important than the amo 12704 77 1 Yes 2483 2 No 9069 3 Don?t Know 1152 Sysmiss 77 G2 Credit Status 12704 77 1 Proceed 12704 Sysmiss 77 G.2.1a Did you borrow money from anybody or any institution during the past 12 m 12704 77 1 Yes 2857 2 No 9847 Sysmiss 77 G.2.1b Approximately how much money did you borrow the last time you borrowed? 2858 9923 0 2000000 2187.116 38123.788 G.2.2 Have you, in the past 12 months, been paying back money that you borrowed 2858 9923 1 Yes 2007 2 No 851 Sysmiss 9923 G.2.3 During the past 12 months, got any goods/services in advance and had to pay for them later? 12704 77 1 Yes 1398 2 No 11306 Sysmiss 77 G.2.4a Do you currently owe any money? 3643 9138 1 Yes 1448 2 No 2152 3 Refused 43 Sysmiss 9138 G.2.4b Approximately how much money do you currently owe? 1448 11333 0 500000 1989.132 15377.13 G.2.5a Do you use money that you get from farming activities to pay back the mon 4 12777 1 Yes 2 2 No 2 3 Refused 0 Sysmiss 12777 G.2.5b Do you use money that you get from your business to pay back the money yo 694 12087 1 Yes 352 2 No 321 3 Refused 21 Sysmiss 12087 G.3 What is the main reason why you have not borrowed money? 9847 2934 1 Didn?t need to borrow money, my income is enough to cover al 1386 2 Don?t want to borrow money/don?t believe in borrowing money 1318 3 Worried would not be able to pay back the money 4847 4 Interest charged on borrowed money is too high 204 5 Do not know where to borrow money from 225 6 Do not know how to apply for a loan 86 7 Do not have security or collateral 193 8 Cannot get a loan because of my credit history 9 9 Do not have the right documentation 92 10 Not allowed to borrow money by spouse, by family or other 529 11 Tried to borrow, but have been refused 172 12 Other, specify 786 Sysmiss 2934 G.3_S. Specify the main reason why you have not borrowed money. 702 0 "Am just dependant, so i cant borrow". 1 AGED 1 Because the person is dificult the company 1 Borrowed 2 Business has been slow 1 1 Cant borrow money, l rely on my children to give m 1 DID NOT BORROW 3 DO NOT BORROW BECAUSE I SAVVE WITH BUILDING SOCIET 1 DO NOT HAVE MONEY TO PAY BACk 1 DO NOT HAVE THE MONEY TO PAY BACK 1 DOESNT WORK AND IS SCARED OF BEING SENT TO JAIL IF 1 DON'T HAVE WERE TO BORROW FROM 1 1 Did not Borrow 1 Didnot borrow 1 Do not have an income, so she said she cant borrow 1 Do not have any source of income. 1 Does not borrow 1 Dont have a phone 1 Dont have a prroper income 1 Dont have money to pay back 2 Dont like borrowing 1 FAMILY 2 1 HAD ENOUGH TO BUY THINGS AT HOME 1 Had something to sustain myself 1 Hate borrowing 2 Have a loan with bayport 1 He doesnt like borriwing money 1 I ALSO LEND 1 I Already Have 1 I DON'T HAVE WERE TO BORROW 1 I DONT LIKE BORROWING 1 I am still young and don't have money to pay bavk 1 I borrowed 3 I do not borrow 1 I do not have money to pay 1 I do not have money to pay back 1 I don' borroe 1 I don't have money to pay back 1 I don't like borrowing 1 I dont borrow 1 I hate borrowing 2 I'm being kept 1 I'm still at school and depend on the parents 1 IT IS DIFFICULT YO PAY BACK 1 Im a pupil 1 Im a student 1 1 1 My Dota provides for me 1 My Income is too little 1 My husband give all that is needed 1 NEVER BORROWED 2 NO MONEY TO PAY BACK 1 NO MONEY TO SAVE 1 NO ONE 1 NO ONE CAN GIVE ME EVEN IF I TRIED TO BORROW 1 NO SPECIFIC REASON 2 NONE 3 NOT APPLICABLE 1 No I dint borrow 1 No Income 2 No income 1 No need 2 No one to help 1 No proper income 1 No source of income and too old to work 1 No where to borrow 1 Not Employed 1 Not applicable 1 Nothing 1 One has credits 1 Parents provides for me 1 RESPINDENT BORROWED KU SHOP 1 RESPONDENT CURRENTLY OWES MONEY 1 RESPONDENT DIDNT BORROW 1 RESPONDENT HAS BEEN IN GOOD HEALTH 1 RESPONDENT HAS NO CAPACITY TO BORROW 1 RESPONDENT IS IN NO CAPACITY TO BORROW 1 SHE IS OLD AND DEPENDS ON THE SON AND THE DAUGHTER 1 Scared of Jail 1 Scared of credit 1 Scared to borrow 1 She doesnt want to be in pressure 1 Shes not working 1 Still at School 1 Still at school 1 THE RESPONDENT BORROWS MONEY. 1 The husband sends her money 1 The respondent does not believe in borrowing 1 The source of income is inconsitent. 1 The source of income is seasonal. 1 USE OF SAVINGS 1 USE SAVINGS 1 WANT A BREATHER FROM PREVIOUS LOANS 1 We dont borrow here 1 abel to meet the need 1 afraid to borrow 1 afriad to be jailed 1 afriad to to be jailed 1 aged 1 all is done by my parents 1 already have a loan 1 am a school boy 1 am a sick person 1 am afraid to borrow 1 am allowed by parents 1 am been kept 1 am just kept by my mother so i cant borrow a 1 am just scared of borrowing money 1 am not working 1 am old 1 am scared 1 am scared of paying back in casei dont have 1 am stil a school going pupil 1 am stil at school 2 am still a dependant 1 am still in school 1 am too old 1 because am just a dependant 1 because i have 1 because i have money 2 because i have no money to pay 1 because life is just a bit fine 1 because of the illness cant borrow money 1 because she saves 1 been kept 1 borowed 1 borrow sometimes 1 borrowed 3 borrowed but paid back 4 borrowed but paid back in full 1 borrowed to buy solar panel 1 borrowing delays someone from achieve certain goal 1 borrowing is a draw back 1 borrowing is not good 2 borrowing is the bad idea 1 borrows money regularly 1 business is hard 1 can afford 1 can bring mis-understanding 1 can not manage 1 can only borrow once i find a problem 1 can't manage to pay back 1 cant afford 1 cant borrow 1 cant borrow because i habe no income 1 cant manage to pay back and avoid problems 1 cant pay back 3 cant pay back no source of money 1 cash is scarce 1 cleared all the debts 1 currently owing someone 1 depends on parentsn only 1 did no borrow 1 1 did not borrow 22 did not borrow any moneis 1 did not borrow money 2 did not have any pressure to borrow the money 1 did not have the chance 1 did not have the need 1 did not need to borrow 2 did not want 1 did not want to borrow 1 did want 1 didn't borrow 1 didn't find any big problem 1 didnot borrow 1 didnt borrow 4 didnt borrow money 1 didnt need it 1 didnt want 1 difficult to return the money you borrowed 1 do not believe in borrowing 1 do not borrow 3 do not have access 1 do not have an income 1 do not have any money to pay back 1 do not have money 1 do not have money to pay back 1 do not have way to pay it back 1 do not like borrowing 2 do not like pressure 1 do not like the idea of borrowing 1 do not need to borrow, he is a dependant 1 do not want problems 1 do not want to 1 do picec works and farming 1 does mot have money to pl ay back 1 does not borrow 1 does not have a problem that require borrowing 1 does not like borrowing money at all 1 doesnt borrow 1 doesnt need to because she can afford 1 doesnt need to borrow 1 doing a piecework to earn money than borrowing 1 don't find a problem that can allow me to borrow 1 don't have any need for it 1 don't have such institutions in the community 1 don't like borrowing money 2 don't like paying for things i have already used 1 don't like the idea of borrowing 1 don't like the idea of borrowing money 1 don't pay expenses 1 1 1 dont borrow 2 dont get income 1 dont have a plan to borrorw 1 dont have an income 1 dont have an income to pay back 1 dont have any means of paying back 1 dont have any reason to borrow 1 dont have enough money to pay back 2 dont have income to pay 1 dont have money o pay back 1 dont have money pay back 1 dont have money to pay 1 dont have money to pay back 15 dont have money to payback 1 dont have people who give loans 1 dont have the capacity to pay back 1 dont have where to borrow 1 dont have where to find money to pay back 1 dont have where to find the money to pay back 1 dont like borrowing 1 dont like bowrrowing money 1 dont need extra cash 1 dont want 10 dont want to be bothered 1 dont work 3 due to illness 1 due to not enough funds 1 enough savings 1 everything is taken care of by the bread winner 1 expenses are paid for 1 expenses were less 1 family caters for me 1 fear 3 fear borrowing 1 fear of being jailed 1 fear of being jailed in case of failure to payback 1 fear of being sent to jail when fails to pay back 1 fear of embaracement 1 fear of failing to pay back 1 fear of failing to pay back the money in case 1 fear of not managing to pay back 1 fear of paying back 1 fear of trouble 1 fear to borrow 1 fears credits 1 for expanding business 1 for food 1 given 1 had enough money 1 had enough to assist 1 had know acces to find a lenfing institution 1 had money 2 had my own savings 1 had no expenses that needed money 1 had no reason for borrowing 1 had no use for money 1 had something to feed on 1 had the money 1 has borrowed money 2 has sufficent income 1 hate borrowing 1 have borrowed 2 have borrowed money to any one 1 have credited money from someone else 1 have enough 1 have no expenses that needs borrowing 1 have no expeses to pay that would need extra money 1 have no means of paying back 1 have no reason for borrowing 1 have not borrowed 1 have nowhere to find the money to pay back 1 have things to do to get money 1 he does rely on his parents 1 he does use the money he saved 1 he doesnt want to lose respect 1 help my family 1 1 i am a dependant 2 i avoid problems or comfusions. 1 i borrowed 1 i borrowed and paid back 2 i borrowed goods which was paid for 1 i can't get money because i don't have money to pa 1 i cant pay 1 i did borrow and paid back 1 i did not borrow money 2 i did not have money to pay back 1 i did not want to 1 i didnt not borrow 1 i do fear 1 i do have money to pay back 1 i do not borrow 1 i do not have money pay back 2 i do not have money to pay 1 i do not have money to pay back 10 i do not have money to save 1 i do not like borrowing 2 i don't 1 i don't need to borrow 1 i don't want 1 i dont borrow 1 i dont have NRC and banks are far 1 i dont have a job to pay back the money 1 i dont have any reason for borrowing money 1 i dont have enough money to pay back 1 i dont have income 1 i dont have money to pay back 6 i dont have money toay back 1 1 i dont have the money to pay back 1 i dont have were i can borrow from 1 i dont have where to get the money from to pay 1 i dont like borrowing 2 i dont need it 1 i dont want to have a credit 1 i dont wanted to 1 i dont work a student 1 i dont work am still at work 1 i dot want to borrow 1 i fear debt 1 i fear they can take me to police 1 i fear to borrow 2 i fear to know 1 i get from my little savings 1 i had no probelm to borrow money 1 i hate violence 2 1 i have it 1 i have my own money 1 i have no means of paying back 1 i have no money pay back 1 i have no money to pay back 6 i have not borrowed 1 i have not borrowed any money 1 i have not borrwed money to any were 1 i have nowhere to find the money to pay back 1 i hve not borrowed mone to any one 1 i just dont want 1 i manage from what i get 1 i never wanted to 5 i not have money to save 1 i paid back 1 i use savings 1 i wanted to buy shoes 1 i was able to manage my financies 1 i will not be able to pay back 1 i would nit be able to pay back 1 iI MAY DISTROY MY FUTURE GOALS 1 iam scared of owing someone 1 im a dependant 1 im a pupil so no one can borrow me money 1 im young still at school 1 it brings problems 1 it is incoviencing 1 it's not a good thing to borrow 1 1 its difficult to pay back 1 its hard to pay back 2 its pressure 1 ive borrowed 1 just avoided borrowing 1 just didnt borrow 1 just do not like 1 just do not like borrowing 1 just dont borrow 1 just dont want 1 know where to borrow money 1 l avoid to do so 1 l borrow money 1 l can't borrow 1 l don't do it 1 l don't like borrowing 1 l don't like it 1 l dont know where to borrow 1 l fear credits 1 l have a credit 1 l have no earning 1 l have no money to pay back 1 lam still a pupil 1 manage with what l have 1 manages to meet daily needs 1 managing with what l have 1 mentally sick 1 mom does everything for me 1 money to pay back can warry me 1 my children send for me 1 my husband earns enough so we can afford 1 my parents buy everything for me 1 my parents get me what i need 1 my parents provide 1 never borrow 1 never borrowed 10 never borrowed money 1 never had need 1 never wanted to borrow 1 no didnt 1 no enoough money to return 1 no enough funds to pay back 1 no enough money to pay back 2 no enough to pay back 1 no income 3 no money 2 no money to pay back 16 no money to save 1 no moneyntonpay back 1 no need 3 no need for money 1 no need of borrowing 1 no need to borrow 2 no one to borrow from 1 no reason 4 no reasons 1 no setuation that as forced me to borrow money 1 no source 1 no specific reason 3 no were to borrow from in the community 1 nomarlly buys cash 1 none 13 not applicable 14 not borrowed 1 not doing anything so cant borrow 1 not enough money 1 not interested 1 not interested in borrowing 1 not now 2 not work 1 not working 2 not yet finished on ohtet debts 1 nothing 16 nothing hapend for me to borrow 1 nowhere to borrow 1 nowhere to borrow from 1 old age 1 one of the household takes carely of me 1 only borrow when i dont have enough 1 paid back 1 parents provides everything I need 1 people here dont borrow out there money or things 1 poor 1 pressure in payment 1 presures of payments 1 pupil 3 refused to answer 2 rely on my children 1 respondant works hard in order not to borrow money 1 respondent did not borrow money 1 sale my livestock when need be 1 saved up 1 scared 4 scared of being jailed 1 scared of borrowing 3 scared of costs of borrowing 1 scared of debt 1 scared of failing to pay 1 scared of getting arrested 1 scared of not paying on time 1 scared to borrow 1 scared to borrow money 1 scared to borrow money from people 1 scared to borrowed 1 scared to go police 1 scared to go to jail 1 scared to loose property 1 scared to pay back 1 sells things to cover up for the things needed 1 she is afraid to be insulted once fail to pay it 1 so that i don't stress 1 sometimes people dont help 1 still a pupil no need of it 1 still a young student 1 still young and schooling he has no access 1 still young no one can lend me money 1 still young to borrow 1 stundent 1 the interest is too high 1 there is no one who lends(only kaloba ) 1 there is no progression in life when one has debts 1 to avoid being in problems 1 to buy a phone 1 to cover my unexpected expenses 1 too old , can not pay back 1 too old to borrow 1 too young 1 tooo young to start borrowing 1 unemployed 1 use savings 1 we just belive in working in the farms 1 when i have a problem i sell cattle 1 Loan sources: Still talking about borrowing money: 11214 1567 1 Proceed 11214 Sysmiss 1567 G.4.1 Borrowed money from a bank 11213 1568 1 Yes 158 2 No 11055 Sysmiss 1568 G.4.2 Borrowed money from a microfinance institution such as EFC 11213 1568 1 Yes 97 2 No 11116 Sysmiss 1568 G.4.3 Borrowed money from a microlender such as YesCash 11213 1568 1 Yes 66 2 No 11147 Sysmiss 1568 G.4.4 Borrowed money from a SACC0 11213 1568 1 Yes 42 2 No 11171 Sysmiss 1568 G.4.5 Got a loan from a Government Scheme/Institution 11213 1568 1 Yes 18 2 No 11195 Sysmiss 1568 G.4.6 Borrowed money from your employer 11213 1568 1 Yes 105 2 No 11108 Sysmiss 1568 G.4.7 Borrowed money from family/friends that you had to pay back 11213 1568 1 Yes 2133 2 No 9080 Sysmiss 1568 G.4.8 Got money from family/friends that you did not have to pay back 11213 1568 1 Yes 863 2 No 10350 Sysmiss 1568 G.4.9 Borrowed money from savings group 11213 1568 1 Yes 337 2 No 10876 Sysmiss 1568 G.4.10 Borrowed money from a village bank 11213 1568 1 Yes 219 2 No 10994 Sysmiss 1568 G.4.11 Borrowed money from someone in the community who lends money to others (m 11213 1568 1 Yes 257 2 No 10956 Sysmiss 1568 G.4.12 Borrowed money from a church or other community based organisation that y 11213 1568 1 Yes 59 2 No 11154 Sysmiss 1568 G.4.13 Borrowing against an insurance policy 11213 1568 1 Yes 4 2 No 11209 Sysmiss 1568 G.4.14 Borrowing against a pension membership 11213 1568 1 Yes 10 2 No 11203 Sysmiss 1568 G.4.15 Did you borrow money or get goods in advance from any other source that I 11213 1568 1 Yes 93 2 No 11120 Sysmiss 1568 G.4.15_S. Specify the other source that you borrowed money or got goods in advan 93 0 A Friend's shop 1 A friend 1 CHARCOAL SELLER IN COMMUNITY 1 FRIEND 1 FROM A FRIEND 1 FURNITURE SHOP 1 Family 1 From a friend. 1 From a shop 1 I Got sugar 1 Indian shop 1 Local Shop 1 MOBILE MONEY 1 NEARBY SHOP 1 NEIGBOUR 2 NEIGHBIOUR 1 NEIGHBOUR 1 Once borrowed from parents 1 Relish 1 SCHOOL TUCK SHOP 1 Shop 1 TRADERS AND SUPPLIERS 1 a friend 2 agora 1 alcohol 1 borrow 1 borrowed chicken no credit 1 borrowed from mtn mobile money 1 borrowed meat from friends 1 business man 1 church member 1 cousin 1 did borrow 1 didn't get anything on credit 1 family 1 family member 1 fellow business men 1 friends 4 from a community member 1 from a friend 1 from a member of the community 1 from an individual 1 from chilimba 1 from kiosk 1 from member of the community 1 from money lenders 1 from my neighbors 1 from shop 2 from the shop 2 got goods from my sister 1 grocery shop 1 grocery(salt etc.) 1 house holds 1 i dont get any money from people 1 i took my wife to hospital 1 maize kaloba 1 matress/brankets 1 member of the community 3 money 1 neighbours 1 none 3 people within the comunity 1 relative 1 relatives 1 shoes 1 shop 10 shop/market 1 shops 3 small shops in the area 1 spouse 1 television 1 G.4B.1 How did you/are you paying back this money borrowed from a bank 158 12623 1 Regular payments over time 109 2 Had to/have to pay everything back at once (lump sum) within 27 3 Payment in kind (goods/services) 2 4 Other 20 Sysmiss 12623 G.4B.2 How did you/are you paying back this money borrowed from a microfinance i 97 12684 1 Regular payments over time 70 2 Had to/have to pay everything back at once (lump sum) within 17 3 Payment in kind (goods/services) 4 4 Other 6 Sysmiss 12684 G.4B.3 How did you/are you paying back this money borrowed from a microlender 66 12715 1 Regular payments over time 47 2 Had to/have to pay everything back at once (lump sum) within 16 3 Payment in kind (goods/services) 1 4 Other 2 Sysmiss 12715 G.4B.4 How did you/are you paying back this money borrowed from a SACCO 42 12739 1 Regular payments over time 27 2 Had to/have to pay everything back at once (lump sum) within 11 3 Payment in kind (goods/services) 2 4 Other 2 Sysmiss 12739 G.4B.5 How did you/are you paying back this money from a Government Scheme/Insti 18 12763 1 Regular payments over time 13 2 Had to/have to pay everything back at once (lump sum) within 3 3 Payment in kind (goods/services) 2 4 Other 0 Sysmiss 12763 G.4B.6 How did you/are you paying back this money borrowed from your employer 105 12676 1 Regular payments over time 58 2 Had to/have to pay everything back at once (lump sum) within 38 3 Payment in kind (goods/services) 4 4 Other 5 Sysmiss 12676 G.4B.7 How did you/are you paying back this money borrowed from family/friends t 2133 10648 1 Regular payments over time 882 2 Had to/have to pay everything back at once (lump sum) within 970 3 Payment in kind (goods/services) 150 4 Other 131 Sysmiss 10648 G.4B.8 How did you/are you paying back this money from family/friends that you d 0 12781 1 Regular payments over time 0 2 Had to/have to pay everything back at once (lump sum) within 0 3 Payment in kind (goods/services) 0 4 Other 0 Sysmiss 12781 G.4B.9 How did you/are you paying back this money borrowed from savings group 337 12444 1 Regular payments over time 166 2 Had to/have to pay everything back at once (lump sum) within 141 3 Payment in kind (goods/services) 13 4 Other 17 Sysmiss 12444 G.4B.10 How did you/are you paying back this money borrowed from a village bank 219 12562 1 Regular payments over time 100 2 Had to/have to pay everything back at once (lump sum) within 102 3 Payment in kind (goods/services) 6 4 Other 11 Sysmiss 12562 G.4B.11 How did you/are you paying back this money borrowed from someone in the 257 12524 1 Regular payments over time 102 2 Had to/have to pay everything back at once (lump sum) within 105 3 Payment in kind (goods/services) 18 4 Other 32 Sysmiss 12524 G.4B.12 How did you/are you paying back this money borrowed from a church or oth 59 12722 1 Regular payments over time 23 2 Had to/have to pay everything back at once (lump sum) within 25 3 Payment in kind (goods/services) 4 4 Other 7 Sysmiss 12722 G.4B.13 How did you/are you paying back this money borrowed against an insurance 4 12777 1 Regular payments over time 2 2 Had to/have to pay everything back at once (lump sum) within 0 3 Payment in kind (goods/services) 1 4 Other 1 Sysmiss 12777 G.4B.14 How did you/are you paying back this money borrowed against a pension me 10 12771 1 Regular payments over time 4 2 Had to/have to pay everything back at once (lump sum) within 1 3 Payment in kind (goods/services) 3 4 Other 2 Sysmiss 12771 G.4B.15 How did you/are you paying back this money borrowed or goods gotten in a 93 12688 1 Regular payments over time 40 2 Had to/have to pay everything back at once (lump sum) within 31 3 Payment in kind (goods/services) 14 4 Other 8 Sysmiss 12688 G.4C Who did you borrow the most money from? 11213 1568 1 Bank 219 2 Microfinance institution such as EFC 81 3 Microlender such as YesCash 57 4 SACCO 33 5 Government Scheme/Institution 17 6 Employer 88 7 Family/friends that you had to pay back 4415 8 107 9 Savings group 340 10 Village bank 267 11 Someone in the community who lends money to others (moneylen 276 12 Church or other community based organisation that you belong 72 13 Against an insurance policy 5 14 Against a pension membership 11 15 Other source that I have not mentioned 5225 Sysmiss 1568 G.4C_S. Specify who you borrowed the most money from. 5226 0 "most of his time he does save" 1 "none" 2 "she does just rely her parents" 1 "she does rely on children" 1 "she does rely on people around her" 1 0.00 1 0000 1 00000 1 A colleague 1 A friend 1 AGORA 2 AIRTEL MONEY 1 Agola 1 Aunty did not have to pay back 1 BAYPORT 1 BORROWED FROM A RELATIVE DIDNT NEED TO PAY BACK 1 BORROWED FROM FAMILY THAT DID NIT HAVE TO PAY BACK 1 Better i lend people 1 Borrowed from no one as parents forbid that. 1 CHILDREN 1 CHILIMBA 1 CHURCH WOMEN GROUP 1 COMMUNITY MEMBER 1 Cant borrow money 1 Cant/doesnt borrow money 1 Children 1 1 DID N,T BORROW 1 DID NIT BORROW ANY MONEY 1 DID NOT BOROW 1 DID NOT BORROW 120 DID NOT BORROW ANY MONEY 11 DID NOT BORROW ANY MONEYY 1 DID NOT BORROW ANYWHERE 1 DID NOT BORROW AT ALL 2 DID NOT BORROW FROM ANYONE 2 DID NOT BORROW MONEY 11 DID NOT BORROW MONEY THE PAST 12 MONTHS 1 DID NOT BORTOW 1 DID NOT BPRROW 1 DID NOY BORROW 1 DID'NT BORROW 1 DIDI BORROW 1 DIDI NOT BORROW 1 DIDN,T BORROW 1 DIDNOT 1 DIDNOT BORROW 1 DIDNT BORROW 3 DIDNT BORROW ANY MONEY 2 DIDNT BORROW ANY WHERE 1 DIDNT SAVE 2 DIMINGA TRANSPORT. 1 DO NOT BORROW 2 DO NOT BORROW MONEY 2 DOES NOT BORROW 1 DOESNT BORROW 1 DON'T BORROW ANY MONEY 1 DONT BORROW 2 DONT BORROW MONEY 1 DONT LIKE BORROWING 1 Dapp 1 Did Not Borrow 4 Did Not Borrow Money From Any One 1 Did Not borrow 2 Did borrow 1 Did nit borrow 1 Did not Borrow 7 Did not Borrow money 1 Did not boorow 1 Did not borrow 58 Did not borrow any money 5 Did not borrow any where 2 Did not borrow from anyone 2 Did not borrow frpm anywhere 1 Did not borrow money 20 Did not bortow 1 Didn't borrow 9 Didn't borrow at all in the past 12 months 1 Didnt borrow 8 Didnt borrow any money 14 Didnt borrow from anyone 1 Didnt borrow money 2 Didnt borrow money from anyone 1 Dint borrow 1 Do not Borrow 1 Do not borrow 6 Does Not Borrow 1 Does not borrow 6 Don't borrow 1 Don't like borrowing/Never borrowed 1 Dont borrow 5 Dont borrow money 1 FAMILU 1 FAMILY 25 1 FAMILY AND FRIENDS 1 FAMILY,/ FRIENDS DID NOT HAVE TO PAY BACK 1 FAMILY/FRIENDS 1 FINCA 1 FRIEND 2 FRIEND AT SCHOOL 1 FRIENDS 4 FROM A FRIEND 1 FROM FAMILY /FRIENDS DID NOT HAVE TO PAY BACK 1 Family 2 Family friends I did not have to pay back 1 Family member did not have to pay back 3 Family member who i dont pay back 1 Family member, did not have to pay back 1 Family members 1 Family/friend that i had no need to pay back 1 Famuly member I did not have to payback 1 Father 1 Friend 1 Friends 1 From the shop 1 GOODS FROM NEARBY SHOP 1 Got goods and services on credit 1 Got money from her Dad 1 HAVE NEVER BORROWED 2 HAVE NOT BORROWED 2 HAVE NOT BORROWED ANY MONEY OR GOODS 1 HAVENT BORROWED ANY MONEY 1 HUSBAND 1 Has not borrowed money 1 He didnt borroe from anywhere 1 He didnt borrow feom anywhere 1 He didnt borrow from anyone 1 I AM KEPT BY MY CHILDREN SO I DO NOT BORROW 1 I DID NOT BORROW 8 I DIDNT BORROW 1 I DONT BORROW MONEY 7 I DONT BORROWE 1 I DiD NOT BORROW 1 I HAVE NOT BORROWED 1 I NEVER BORROWED 1 I did not borrow 2 I did not borrow from anyone 1 I did not borrow money 1 I did not borrow the money from any source 1 I didnt borrow 2 I didnt borrow any money 1 I didnt borrow from anyone 1 I didnt borrow from anywhere 1 I dint borrow 3 I dint borrow money 1 I do not borrow 15 I do not borrow money 1 I do not borrow. 1 I dont believe on borrowing 1 I dont borrow 5 I dont borrow from any source. 1 I have not borrowed 1 I said I never borrowed 1 Indian wholesale shop 1 Indicated that is not allowed to borrow 1 KYC did not borrow 1 Kalepa Club 1 Know I didnt borrow 1 LOCAL SHOP 1 MOBILE MONEY 2 MONETA 1 MTN MOBILE MONEY 2 MTN MONEY 1 MTN ZAMBIA 1 MTN money 1 MY FRIENDS 1 MY SAVINGS 1 Mobile money 1 Money was only given to him by parentsb 1 My neighbour 1 NEIGHBOUR 1 NEIGHBOURHOOD SHOP 1 NEVER BORRED ANY MMONE 1 NEVER BORROW 1 NEVER BORROWED 82 NEVER BORROWED ANY MONEY 5 NO ANY OTHER SOURCE BORROWED FROM 1 NO ONE 66 NO OTHER SOURCE NEVER BORROWED 1 NO REASON 2 NO SKIP INSTRUCTION 2 NO SOURCE OF BORROWING 2 NO WHERE 1 NON OF THE ABOVE 1 NONE 56 NONE OF THE ABOVE 1 NONE SKIP NOT WORKING 1 NONE. 1 NOT ALLOWED TO BORROW 1 NOT APPLICAB!LE 1 NOT APPLICABLE 41 NOT APPLICATION 1 NOT BIRROWED 1 NOT BORROWED 5 NOT BORROWED ANY 1 NOT BORROWED ANY MONEY 4 NOT BORROWED MONEY 1 NOTHING 1 Nephew 1 1 Never Borrowed 2 Never borrowed 16 Never borrowed in the past 12 months 1 Never borrowed money 4 Never borrowed money from anyone or insitition 1 No One 3 No credit for me 1 No i dont borrow 2 No ine there is no borrowing here 1 No one 43 No one, didint bortow any money 1 No one,i did not borrow 1 No where 3 Non of the above 3 None 44 None Of The Above 1 None of the above 8 None, the respondent didnt borrow 1 Not Aplicable 1 Not Appliable 1 Not Applicable 29 Not Appplicable 1 Not applicable 22 Not applicable didnt borrow 1 Not applicable the respondent didnt borrow money 1 Not applicable, the respondent didnt borrow 1 Not applicable, this person has not borrowed money 1 Not borrowed 2 Nothing 2 Nothing ,i dint borrow 1 Nowhere 5 Nowhere to borrow 1 RELATIVES 1 RESPONDENT DID BORROW ANY MONEY 1 RESPONDENT DID NOT BORROW ANY MONEY 12 RESPONDENT DID NOT BORROW ANY MONEY FROM THE ABOVE 1 RESPONDENT DID NOT BORROW ANY MONEY FROM THE NAMED 1 RESPONDENT DIDN'T BORROW ANY MONEY 3 RESPONDENT DIDNT BORROW 2 RESPONDENT DIDNT BORROW ANY MONEY 13 RESPONDENT DOESNT OWE ANY MONEY 1 RESPONDENT IS NOT INTERESTED IN BORROWING 1 Respondent didnt borrow 1 Respondent does not buy into borrowing 1 SCHOOL TUCK SHOP 1 SELL OF FRITTERS 1 SILC 1 SILK 1 SILK INSTITUTION 1 SOMEONE IN THE COMMUNITY 2 SUPPLIERS AND TRADERS 1 She didnt borrow from any source 1 She didnt borrow from anywhere 4 Spounce 1 Spouse 2 TUE RESPONDENT DID NOT BORROW ANY MONEY 1 The respondent did not borrow any money 1 The respondent did not borrow in the last 12 month 1 They don't borrow 1 Village Headman 1 ZAMBIA NATIONAL BUILDING SOCIETY 1 a family member 1 a friend 5 a member of the community 1 afriend 1 agola 1 airtel money 5 am just a dependant 1 amz money lender 1 asked for cash from my cousin 1 at church 1 baypot 1 bestfriend 1 borrowed didnt have to pay back. 1 borrowed for friend i had not to pay back 1 borrowed from a church i go to 1 borrowed from a shop 1 borrowed from her mother 1 borrowed from kantemba 1 borrowed from no one 2 borrowed money from church 1 boy friend 1 business man 1 chilimba 9 church 1 church member 1 church members 1 church where i go 1 client did not borrow any money 1 client did not borrow money 1 co-operative organization 1 colleague 1 community 1 community member 3 company 1 cousin 2 currently not borrowed from anybody 1 ddidnt borrow 1 1 did borrow 5 did mot borrow 1 did no borrow. 1 did not 14 1 1 2 did not barrow 1 did not borow 1 did not borow any money 1 did not borroow 1 did not borror 1 did not borrow 762 did not borrow any money 21 did not borrow any money from anyone 1 did not borrow any where 1 did not borrow anywere 1 did not borrow anywhere 6 did not borrow anywhere. school going child 1 did not borrow but recieved 1 did not borrow during this reference 1 did not borrow from any 1 did not borrow from any one 1 did not borrow from any source 1 did not borrow from anyone 5 did not borrow from anyone in past 12 months 1 did not borrow from anywhere 3 did not borrow money 40 did not borrow money an ywhere 1 did not borrow money anywhere 1 did not borrow money form anyone 1 did not borrow money from any one 5 did not borrow money from anyone 4 did not borrow money from anyone or institution 1 did not borrow money fromany one 1 did not borrow money in the last 12 months 1 did not borrow. 4 did not borrowed from anyone 1 did not borrowfrom anyone 1 did not borrrow 1 did not bottle any money 1 did not brorow 1 did not brrow any money 1 did not credit 1 did not money 1 did not not borrow 1 did not. borrow 2 did noy borrow 2 did nt borrow 1 did'nt borrow 2 did. not borrow 1 didi. not borrow 1 didknt borrow 1 didn' t borrow any money 1 didn't Borrow 1 didn't borrow 78 didn't borrow any money 2 didn't borrow anymoney 1 didn't borrow money 5 didng borrow 1 didnot borrow 25 didnot borrow any money 1 didnot borrow money 2 didnt 1 1 didnt bborrow 1 didnt borow 5 didnt borroe 1 didnt borrow 283 didnt borrow Money 1 didnt borrow any money 5 didnt borrow any more 1 didnt borrow anywhere 3 didnt borrow from any 1 didnt borrow from anyone 1 didnt borrow from anyone or anywhere 1 didnt borrow money 8 didnt borrowe 1 didnt borrowed 1 didnt bortow 1 didntb 1 didt borrow from anyone 1 didt not know 1 dif not borrow 1 din't borrow 2 dint borrow 10 dint borrow from anyone 1 dis not borrow 1 do not borrow 21 do not borrow i depend on my piece works 1 do not borrow money 3 do not borrow money from anyone 1 do not borroww 1 dod not borrow 1 does not believe in borrowing 2 does not borrow 27 does not borrow from anyone 1 does not borrow money 4 does not borrow money due to her condition 1 does not credit 1 does not need to borrow 1 doesn't borrow 2 doesnt borrow 10 doesnt borrow money 2 doesnt borrrow money 1 don't borrow 5 don't borrow money 1 don't borrow money only goods 1 don't like borrowing 1 donot borrow because i have no income 1 dont 1 dont believe in borrowing 1 dont borow 2 dont borrow 78 dont borrow money 13 dont borrow money my business is enough for me 1 dont borrow not alowed 1 dont borrowe 1 dont borrowe money 1 dont have access 4 dont have acess 1 dont like borrowing 1 family 13 family and didnt have to pay back 2 family and dont have to pay back 1 family and dontbhave to pay back 1 family and friends 2 family and friends and did not pay back 1 family and friends that dont need to be payed back 1 family and indont have to pay back 1 family business 1 family but i didnot have to pay back 1 family but not to repay 1 family did not have to pay back 1 family friend 2 family friend and did not pay back 1 family friends 1 family friends and dont pay back 1 family friends didnt have to pay back 1 family member 8 family member i didnt have to pay back 1 family member that i didnt have to pay back 1 family members 1 family members and friends 1 family memeber 1 family that i did not have to pay back 1 family that you dont have to pay bacl 1 family without paying back 1 family, but did not have to pay back 1 fimily member 1 finca 1 food reserve agency 1 friend 31 friend i did not have to pay back 1 friend/family member 1 friends 17 friends and family 1 friends with shops 1 friends(william) 1 friends/family that he didn't need to reimburse 1 from a friend 4 from a shop 2 from a the shop 1 from chilimba. 1 from church 2 from family 1 from family member 1 from family members 1 from father 1 from friend 2 from friends and family 1 from money lender 1 from mtn 1 from my business 1 from my employer 1 from my father but didnt have to pay back 1 from neighbours 1 from no one 5 from no where 1 from parents, not paying back 1 from savings 1 from sister not to payback 1 from someone 1 from the church where i go 1 from the company offering farming inputs 1 from the school 1 from the shop 1 fwmily member 1 got clothes not money 1 got household goods on credits 1 grocery store 3 had not borrowed 20 has not borrowed 3 has not borrowed from anyone/anywhere 1 has not borrowed from anywhere 1 has not borrowed fron anyone 1 has not borrowed money 1 have never borrowed 1 have never borrowed money 8 have never borrowed money before 1 1 have not borrow 1 have not borrowed 13 have not borrowed any 1 have not borrowed any money 1 have not borrowed from anyone 2 have not borrowed money 3 have not got money to anyone 1 havent borrowed 1 havent borrowed any money 1 1 he can borrow is at school 1 he did not 1 1 1 he did not borrow any money from someone 1 he did not borrow any money from someone. 7 he did'nt borrow any money 1 he does borrow mostly to his farming 1 he does not believe in borrowing 1 he doesnt borrow 2 he doesnt borrow depends on children 1 he never borrowed any money 1 headmaster (nearby school) 1 her sister 1 i am scared 1 i can't borrow 1 i cant borrow 2 i did not borrew 1 i did not borroe money 1 i did not borrow 12 i did not borrow any money 2 i did not borrow any where 1 i did not borrow anywhere 1 i did not borrow from any one 1 i did not borrow from anywhere 1 i did not borrow money 21 1 i did not borrow money for anyone 1 i did not borrow money from anyone 1 i did not borrow money from anyone in my community 1 i did not borrow money in the last 12 months 1 i did not bortow the money 1 i did noy borrow money 1 i didn't borrow 4 i didn't borrow any money 4 i didn't borrow from anyone 1 i didn't borrow from anywhere 1 i didnnt borrow 1 i didnot borrow 3 i didnot borrow money 1 i didnot borrwo money 1 i didnt 1 1 i didnt borrow 16 i didnt borrow am old 1 i didnt borrow any money 2 i didnt borrow any where 2 i didnt borrow anyone 1 i didnt borrow money 11 i didnt borrow money any where 1 i didnt borrow money from anyone 3 i didnt get credit 1 i didnt not borrow any money 1 i didvnot borrow money 1 i dint borrow any where 2 i dint borrow from anyone last 12 months 1 i dint not borrow money 1 i do not borrow 2 i do not borrow money 1 i do piece of work 1 i don't borrow 2 i don't borrow money 8 i don't realy borrow money 1 i dont 2 i dont borrew 1 i dont borrew money 1 i dont borrow 33 i dont borrow any where 1 i dont borrow money 6 i dont borrow money ,paying back is a challange 1 i dont borrow money any where 1 i dont borrow money i have morw than enough 1 i dont borrow to any of the institution 1 i dont have 1 i dont have money 1 i dont have money to pay back 1 i dont have money to save 2 i have never borowed any money 1 i have never borrowed 5 i have never borrowed any money 1 i have never borrowed money 1 i have never borrwed 1 i have no borrowed 1 1 i have not borrowed 3 i have not borrowed any 1 i have not borrowed any money 1 i have not borrowed any money from any one 1 i have not borrowed money 1 i have not borrowed money from anyone 1 i have not borrowed money to any one 2 i have other source of in income 1 i help people with money 1 i never borrowed 8 i never borrowed the money 2 i provide myself 1 idid not borrow any money 1 isnt allowed to borrow 1 just a person i know 1 just a person i know from the community 1 just started work 1 l borrow money 1 l did moy borrow any money 1 l did not borrow from anybody 1 l did not borrow money 2 l did not borrow money from anyone 1 1 l dont borrow 4 l dont borrow l usually use my savings 1 l dont borrow money 8 l dont borrow to any one 1 l have never borrowed money 1 l have not borrowed 1 l have not borrowed from anybody 1 l have not borrowed to any 1 l have not borrowedfom anybody 1 l havent borrowed money 1 mainly don't borrow 1 mobile money 12 mobile money (nasova) 1 moble money 1 mombile money mtn 1 mot needed 1 mother 1 mtn mobile 1 mtn mobile money 5 mtn money 4 my child 1 my children dont have to pay 1 my children just assist me 1 my father 3 my friend from church 1 my grandmother cant allow me to borrow money 1 my husband 1 my money is enough 1 my neighbor 1 my paster 1 my savings 1 my sister 1 my spouse 2 my uncle 1 my young brother 1 ndver borrowed 4 neighbour 3 nerver borrowed 1 nerver borrowed money 1 never 5 never allowed to borrow 1 never borowed 3 never borroed 1 never borrow 6 never borrow money 6 never borrowd 4 never borrowde 1 never borrowed 331 never borrowed any money 7 never borrowed any money from anyone 1 never borrowed any where 1 never borrowed before 5 never borrowed from anyone 2 never borrowed from anywhere 1 never borrowed in the reference period 1 never borrowed momey 1 never borrowed money 33 never borrowed money anywere 1 never borrowed money for the past 12months 1 never borrowed money from any one 1 never borrowed scared 1 never borrowed the money 1 never borrowed to anyone 1 never borrowef 2 never borrrowed 1 never borrwled 1 never browed money 2 neverborrowed 1 nevet borrowed 1 nevr borrowed 1 nevver borrowed money 1 nno one 1 no any institution 1 no applicable 1 no body 2 no borrowed from anybody 1 no credit 12 no institution 1 no need 4 no need borrowing 3 no need to borrow 1 no ome 1 no one 259 no one else 1 no one. has not borrowed 1 no other 3 no present 1 no reason 1 no were 3 no where 36 nobody 17 nobody (didn't borrow) 1 non applicable 1 non did not borrow 2 non didnt borrow 3 non didnt borrow from anyone 1 non never borrowed 3 non of the above 8 non of the above listed things 1 non of them 1 non of these 8 non, am schooling 1 none 574 none application 1 none of above 1 none of the abive 1 none of the above 30 none of them, does not like to borrow 1 none.dont borrow 1 none/didnt borrow to any one 1 nono 1 nonr 1 nonw 1 not allowed by parents 1 not allowed to borrow 5 not aplicable 5 not app 1 not appliable 2 not appliacable 1 not applicabe 2 not applicable 333 not applicable did manage 1 not applicable(doesn't borrow) 1 not applicablr 1 not applicble 1 not applicqble 1 not applucable 1 not available 1 not borrow 3 not borrow to anybody 1 not borrowed 44 not borrowed any 1 not borrowed any money 1 not borrowed anywhere 2 not borrowed befor 1 not borrowed from ang body 1 not borrowed from any one 3 not borrowed from anybody 4 not borrowed money 2 not borrowed money from any instution 1 not in past 12 months. 1 not mensioned anything 1 not not applicable 1 not spplicable 1 notapplicable 1 nothing 7 nothing did not borrow 1 nowere did not borrow money 1 nowhere 24 nowhere, has nit borrowed 1 nowheren 1 noy borrowed at all 1 npt applicable 1 nver borrowed 1 on where else 1 one acher fund 1 only my from pension 1 other elder from the community 1 other relative 1 other relatives 1 parents 3 people here dont borrow out money 1 person 1 previous years 1 refused to answer 1 rely on her mother to give her. 1 rely on piece of work 1 respondant did not borrow 1 respondant didnt borrow 1 respondant does not borrow 2 respondant hasnt borrowed 1 respondant never borrowed 1 respondent did not borrow 2 respondent did not borrow any money 1 respondent did not borrow money 1 respondent didnt borrow 6 respondent didnt borrow from any 1 respondent does not borrow 1 respondent never borrowed any money 2 respondent never borrowed money 7 saving group 1 savings 1 scared of loan 1 scared to borrow money 1 1 she did not borrow 1 1 she did not borrow any money from someone. 14 she did not borrow from anyone 2 she did not borrrow any money from someone. 1 she didnt borrow 1 she didnt borrow any money 1 she does not have credit 1 she doesnt borrow money 1 she dosent borrow money 1 she fears to borrow 1 she hasnt borrowed from anyone 1 she is been kept 1 she not borrowed before 1 shop keeper 1 shop within community 1 shops 1 shylock 1 sidnt borrow 1 silk 1 silk group 2 siluck 1 sis not borrow 1 sister 1 skip not working 1 someone in the community 1 someone who borrows money 1 spouse 2 spouse/ family-friend 1 still in school 1 supported by children 1 the household didnot borrow money 1 the reapondent didnt borrow any money 1 the respondant dont borrow 1 the respondent didnt borrow 3 the respondent didnt borrow money 1 the respondent has not borrowed 1 they do not borrow 1 they refuse to give me the money 1 through business 1 to my friend 1 to my land lord 1 unable to borrow cause of not being able to pay 1 uncle 1 unity finance 1 wemans group 1 work place 1 world divission 1 G.5 What is the main reason why you borrowed from ?.. 11213 1568 1 Proximity ? convenient access 1474 2 Easy/simple to use 1385 3 Quickest access to the money 1512 4 Repayment terms suits me 913 5 Trust 804 6 Interest rates are low 208 7 Have to be able to ensure nobody knows about it 137 8 Other, specify 4780 Sysmiss 1568 G.5_S. Specify the main reason you borrowed from ... 4781 0 "none" 1 "nothing" 1 "she does not where to borrow" 1 ,DID NOT BORROW 1 0000 1 00000 1 BECAUSE OF LATE SALARY PAYMENTS 1 BORROWED FROM GS 1 Cant borrow money 1 Cant/doesnt borrow money 1 Convient 1 DID BORROW 1 DID NIT BORROW 1 DID NOT BOERROW 1 DID NOT BOORROW 1 DID NOT BOROW 1 DID NOT BORROW 138 1 DID NOT BORROW ANY MONEY 11 DID NOT BORROW FROM ANY SOURCE 2 DID NOT BORROW MONEY 10 DID'NT 1 DID,NT BORROW 3 DIDN'T BORROW 1 DIDNNOT BORROW 1 DIDNOT BORROW 1 DIDNOT BORRW 1 DIDNOT KNOW 1 DIDNT BORROW 5 DIDNT BORROW ANY MONEY 2 DIDNT SAVE 2 DO NOT BORROW 1 DO NOT BORROW MONEY 2 DOD NOT 1 DOES NOT BORROW 1 DOESNT BORROW 1 DONT BORROW MONEY 1 DONT LIKE BORROWING 1 DUD NOT BORROW 1 Did Not Borrow 2 Did Not Borrow Money 1 Did not Borrow 7 Did not blorrow 1 Did not borrow 70 Did not borrow any money 3 Did not borrow anywhere 1 Did not borrow money 17 Did not norrow 1 Did't borrow 1 Didn't borrow 36 1 Didnt Borrow money 1 Didnt borrow 14 Didnt borrow any mone 1 Didnt borrow any money 15 Didnt borrow money 1 Didnt borrow money already stated 1 Didnt not borrow any money 1 Dint borrow 4 Dint not borrow 1 Dis not borrow 1 Dis not borrow any money 1 Do not borow 1 Do not borrow 8 Does Not Borrow 1 Does not borrow 4 Doesnt borrow 1 Don't borrow 3 Dont borrow 4 Dont borrow from any source 1 Dont borrow money 1 Dont like credits 1 Dont need to borrow 1 Dud not borrow 1 Dudn't borrow 1 FOR TRANSPORT 1 FROM A RELATIVE DID NOT NEED TO PAY BACK 1 For Food 1 For lobola 1 For medical expenses 1 Gotten money to pay medical costs for a sick kid 1 HAVE NEVER BORROWED 1 HAVE NOT BORROWED 2 HAVE NOT BORTOWED ANY MONEY 1 HAVENT BORROWED 1 He did not borrow any money 1 He didnt borrow from anyone 1 He didnt borrow from anywhere 3 He didnt borrow from anywhere. 1 He didnt borrow money from anywhere 1 I DID NOT BORROW 9 I DID NOT BORROW ANY MONEY 1 I DID NOT HAVE TO PAY BACK 1 I DIDNT BORROW 1 I DO NOT BORROW 1 I DONT BORROW MONEY 3 I DONT BORROWE 1 I LIVE WITHIN MY MEANS 1 I did not borrow 2 I did not borrow from anyone 1 I did not borrow money 5 I did not borrow. 1 I didn't borrow 1 I didn't borrow from anywhere 1 I didnt borrow 2 I didnt borrow any money 1 I didnt borrow from anywhere 1 I dint borrow 2 I dint borrow money 1 I do not borrow 14 I do not borrow money 2 I dont borrow 1 I dont borrow money 1 I had not borrowed 2 I trust and as they trust me also 1 I'll help them in future too 1 INVEST IN BUSINESS 1 It was a gift from parents, skip was ommited 1 Its stable and i have confidence 1 KYc did not borrow 1 NEVER BOROWED 1 NEVER BORROW 1 NEVER BORROWED 118 NEVER BORROWED ANY MONEY 3 NEVER BORROWED, Hence not applicable. 1 NILL 1 NO INTEREST 1 NO INTEREST WAS INVOLVED 1 NO INTREST 1 NO MONEY TO PAY BACK 1 NO REASON 14 NO SEASON 1 NO SKIP INSTRUCTION 3 NO SKIP INSTRUCTION WHEN THE RESPONDENT SAYS NO 1 NO SKIP INSTRUCTIONS 1 NON SKIP INSTRUCTION 1 NONE 39 NONE SKIP NOT WORKING 1 NOT ALLOWED TO BORROW 1 NOT ALOWED TO BORROW MONEY 1 NOT APPLICABLE 41 NOT APPLICABLE AS RESPONDENT NEVER BORROWED AT ALL 1 NOT APPLICABLE SINCE RESPONDENT DID NOT BORROW 1 NOT APPLICATION 2 NOT BORRIWED ANY MONEY 1 NOT BORROWED 5 NOT BORROWED ANY 1 NOT BORROWED ANY MONEY 3 NOT BORROWED FROM ANYONE 1 NOTHING 1 N\\A 1 Needed to buy food 1 Never Birrowed 1 Never Borrowed 2 Never borriwed 1 Never borrowed 15 Never borrowed before 1 No credit 1 No income 1 No one 1 Non of the above 1 None 37 None of the 1 None of the above 7 None, didn't borrow any money 1 Not /Applicable 1 Not Aplicable 4 Not Applicable 31 Not Borrowed 1 Not aplicable 1 Not applicable 23 Not borrowed 2 Not working currently 1 Notbapplicable 1 Nothing 2 Nothinh 1 Nowhere 1 Only got money he did not have to pay back 1 PARENTS PROVIDE 1 RESPONDENT DID NOT BORROW ANY MONEY 14 RESPONDENT DID NOT BORROW ANY MONeY 1 RESPONDENT DIDN'T BORROW ANY MONEY 4 RESPONDENT DIDNT BOROW ANY MONEY 1 RESPONDENT DIDNT BORROW 9 RESPONDENT DIDNT BORROW ANY MONEY 11 RESPONDENT DIDNT BORROW. 2 RESPONDENT DOES NOT BORROW 1 RESPONDENT DOESNT BORROW 1 RESPONDENT DOESNT BORROW. 1 RESPONDENT DOESNT OWE ANY MONEY 1 RESPONDENT HAS NO CREDIT HISTORY 1 RESPONDENT HAS NOT BORROWED 1 RESPONDENT WANTED MONEY URGENTLY 1 She didint borrow from any source 1 She didnt borrow from anywhere 4 She didnt borrow from anywherw 1 She didnt borrow money from anywhere 2 She does not borrow 1 She was just given by her parent 1 1 THINGS WERE HARD 1 TO BUY A HOUSE 1 TO COVER FOR MY DAILY EXPENSES 1 TO HELP COVER MY EXPENSES 1 TRANSPORT 1 Talk time 1 Thats where i want to 1 The respondent said has never borrowed 1 Theres no given period to pay back 1 They were no conditiona attached to it. 1 This person has never borrowed money 1 This person has not borrowed money 1 To buy school books 1 USED SAVINGS 1 Unza fees 1 We do not borrow here 1 We dont borrow 1 You pay back with no interest 1 ______ 1 afraid my fail to pay 1 am a sick 1 am scared 1 at all 1 because it is a mandate in our saving group 1 because she dosnt like borrowing 1 because thats where i save 1 because they does trust me. 1 because they had my money 1 because they know very well 1 becouse i don't borrow money 1 becouse i wanted the money 1 boost business 1 boost my business 1 boost the business 1 borrow small amounts 1 borrowed in order to meet family needs 1 borrowing is not a good thing 1 borrows when in need 1 bought fertilizer 1 bought food 1 bought land 1 bought maize 1 bougt frezier 1 building a house 1 business 2 business purpose 1 buying food at home 1 buying person things 1 can pay back when i have money 1 cant borrow 1 child fail sick 1 client did not borrow 1 client did not manage 1 corpe up with my expenses 1 currently not borrowed 1 deosnt borrow 1 1 did borrow 3 did did not 1 did mot borrow. 1 did nit borrow 2 did no borrow 1 did nor borrow 1 did not 23 1 did not bollow 1 did not boorrow 1 did not borow 6 did not borow any money 1 did not borow money 1 did not boroww 1 did not borrew 1 did not borroe any money 1 did not borror 1 did not borrow 828 did not borrow afrad of borrowing 1 did not borrow any 1 did not borrow any money 16 did not borrow any moneyb 1 did not borrow any monies 1 did not borrow any mony 1 did not borrow anywhere 2 did not borrow believes in survival skills 1 did not borrow during this rrference period 1 did not borrow from anone 1 did not borrow from any one 1 did not borrow from anyone 3 did not borrow from anywhere 3 did not borrow money 32 did not borrow money form anyone 1 did not borrow money from any one 1 did not borrow money from anyone 2 did not borrow not allowed by family 1 did not borrow the money 1 did not borrow. 2 did not borrowe from an one 1 did not borrpw 1 did not borrrow 2 did not have money to pay back 1 did not money 1 did not need it 1 did not need to borrow 2 did not norrow 1 did not skip 1 did not trust 1 did not want to 1 did not want to borrow 1 did not. borrow 1 did nott borrow 1 did nt borrow 1 did'nt borrow 1 did'nt borrow money 1 did't borrow money 1 did. not borrow 1 didi not borrow 1 didmt borrow 1 didn t borrow 1 didn't Borrow 1 didn't borow 1 didn't borrow 88 didn't borrow any money 2 didn't borrow from 'other' 1 didn't borrow money 1 didn't borrwow 1 didn't goodie 1 didnot 1 didnot borrow 25 didnot borrow money 1 didnot. borrow 1 didnt 1 didnt borow 2 didnt borrow 297 didnt borrow any money 3 didnt borrow any more 1 didnt borrow anywhere 2 didnt borrow but can if there is need 1 didnt borrow money 8 didnt borrow the system has provision 1 didnt borrow. 1 didnt borrowe 1 didnt borrowed 1 didnt borrrow 1 didnt get money 1 didnt have what to pay back 1 didnt. borrow 1 didt borrow 1 didt borrow money 2 didtn borrow 1 dif not borrow 3 dint borrow 12 dis not borrow 1 dislikes 1 do have acess 1 do not 1 do not believe in borrowing 1 do not borrow 29 do not borrow (fears) 1 do not borrow money 3 do not brorrow 1 do not know 1 do not know any of them 1 dod not borrow 4 dodnt borrow 1 doen't borrow 1 does not borrow 27 does not borrow from anyone 1 does not borrow money 2 does not borrow money due to her condition 1 does not bortow supported by children 1 does not credit 1 doesent borrow 1 doesn't borrow money 1 doesnt borow 1 doesnt borrow 8 doesnt borrow money 3 don' have money to pay back 1 don't borrow 4 don't borrow depend on myself and children 1 don't borrow from anywhere 1 don't borrow money 3 don't have money to pay back 1 don't know other sources to borrow from 1 don't like borrowing 1 don't like the idea of borrowing 1 don't work still at school 1 dont 1 1 dont believe in borrowing 1 dont borow 1 dont borrow 71 dont borrow and is not nallowed 1 dont borrow from banks 1 dont borrow he depends on children 1 dont borrow iam been kept 1 dont borrow mmoney 1 dont borrow money 9 dont borrowe 1 dont bowrrow money 1 dont have a reason 1 dont have access 4 dont have acess 2 dont have money 1 dont have money to pay 1 dont have money to pay back 1 dont have money to save 1 dont like borrowing 2 dont like borrowing money 1 dont money 1 dud not borrow 2 dud not borrow money 3 dudnot borrow 1 dudnt borrow 1 easy to pay back 1 education 3 education purpose 1 expenses 1 farming 1 farming imputes 1 fear 1 fear to be embarassed 1 feat 1 for berivement 1 for business 2 for business purposes 1 for bussines purposes 1 for food 1 for food and development 1 for school fees 1 for seeds 1 from neighbour 1 funeral 1 gas not borrowed 1 getting my money from pension 1 gives more money and longer period to pay 1 got from a friend because of trust 1 had a petient 1 had an emergency 1 had financial crisis 1 had no other choice had to pay outstanding debt 1 had not borrowed 15 had not borrwed 1 had to send money to my brother 1 had to top up 1 has not borrowed 6 has not borrowed any money 1 has not borrowed from anywhere 1 has not borrowed money 1 hasband doesnt allow wife to borrow 1 have never borrowed 2 have never borrowed from anyone 1 have never borrowed money 4 have never borrowed money before 1 have never borrwed 1 have no debts 1 have not borowed anything 1 have not borrowed 16 have not borrowed any money 1 have not borrowed from any one 1 have not borrowed from anywhere 1 have not borrowed money 1 have not borrowed to anyone 1 have not borrowef anywhere 1 haven't borrowed 1 haven't borrowed from anyone 1 havent borrowed 4 he did not 1 he did not borrow 1 1 he did not borrow any money from someone. 10 he doesnt borrow 1 he is the only one who was lending money 1 help regular expenses 1 help with expences 1 i can pay back anytime i want 1 i cant afford 1 i cant borrow 1 i cant pay back im too old i dont work 1 1 i did mot borrow money 1 i did not 2 i did not borrew 1 i did not borrow 14 i did not borrow any money 1 i did not borrow any monry 1 i did not borrow from any one 1 i did not borrow from anyone 1 i did not borrow money 26 i did not borrow money from anyone 4 i did not buy anything 1 i didn't borrow 1 i didn't borrow any money 2 i didnot borrow 2 i didnot borrow money 1 i didnot borrow money from anyone 1 i didnt 5 i didnt borroe money 1 i didnt borrow 23 i didnt borrow am old 1 i didnt borrow any money 6 i didnt borrow any money in the last 12 months 1 i didnt borrow any where 1 i didnt borrow anywhere. 1 i didnt borrow from any one 1 i didnt borrow from anyone 4 i didnt borrow money 4 i didnt borrow money any where 1 i didnt borrow money from anyone 2 i didnt bprrpw money 1 i didnt buy money 1 i didnt not borrow money from anyone 1 i didnt where 1 i dint borrow 2 i diny borrow any where 1 1 i do not borrow 5 i do not borrow because i have no income 1 i do not borrow money 1 i do not borrwo money 1 i don't borrow 3 i don't borrow money 6 i don't have debts 2 i don't have money to pay back 2 i don't have where to get the money from 1 i dont 1 i dont believe in borrowing money 1 i dont borrow 36 i dont borrow money 7 i dont borrow too old 1 i dont borrow,if need comes where he has to borrow 1 i dont borroww 1 i dont have 1 i dont have acess to them 1 i dont have money 1 i dont have money to pay back 1 i dont have money to save 1 i dont need it 1 i dont want 1 i dont want to borrow 1 i had a shortage of fertilizer to use in the garde 1 i had enough for my family 1 i had not borrowef 1 i had shortful 1 i had totally nothing to eat 1 i have enough 1 i have insuficient funds 1 i have nevee borrowed 1 i have never borrowed 2 i have never borrowed before 1 i have no business 1 i have no debts 1 i have not 1 i have not borrowd 1 i have not borrowed 6 i have not borrowed any money 1 i have not borrowed from anyone 1 i have not borrowed money 1 i have not borrwed 1 i havent borrowed 1 i havent borrowed from anyone 2 i lost my father 1 i need did not borrow money from anyone 1 i need to buy something 1 i needed to use it 1 i never borrowed 10 i never borrowed any amount of money 1 i never borrowed any one 1 i never borrowed from anyone 1 i never borrowed money 4 i scared to borrow money from people 1 i wanted to buy school books 1 i wanted to buy seed 1 i wanted to start doing business 1 i was brock 1 i was building a house 1 i was in need of that money 1 i was not paying back 1 i was paying for my children at school 1 i was toping up bus fare for my relative 1 is the only one allowed to borrow 1 it was a gift 1 it was agent my wife needed money for personal use 1 its a mandate to borrow from the group 1 its a rule for the group i belong to borrow 1 its easy to get from relatives than un known peopl 1 its my farmily 1 ive not borrowed 1 just sell my livestock to meet my need 1 just when i dont have 1 l did not borrow money 1 l did not borrow money from anybody 1 l did not borrow money from anyone 1 l do not borrow from any one 1 l do not like credits 1 l don't believe in it 1 l don't like credits 1 l don't like it 2 l don't love credits 1 l dont borrow 8 l dont borrow money 6 l hate borrowing 1 l have never borrowed money 1 l have no capacity 1 l have no credit 1 l have not borrowed 1 l have not borrowed from anybody 2 l havent borrowed any money 1 lack of finance 1 lhave not borrowed from any one 1 li dont borrow money 1 medical expenses 2 medication 1 money 1 more flexible than banks 1 my parents gives me enough 1 my wife was pregnant 1 ndver borrowed 1 needed money for business capital 1 needed to buy relish 1 needed to buy some unexpected expenses 1 nev!r borrowed 1 neve borrowed 1 neveer borroed 1 never 4 2 never allowed to borrow 1 never borrewed 1 never borriwed 1 never borroewd 2 never borrored 1 never borrorwed money 1 never borrow 7 never borrow money 1 never borrowd money 1 never borrowe 1 never borrowed 422 never borrowed any money 7 never borrowed anything 1 never borrowed anywhere 1 never borrowed before 3 never borrowed befors 1 never borrowed but can borrow if there is need 1 never borrowed from anyone 1 never borrowed from anywhere 1 never borrowed from bank 1 never borrowed in the reference period 2 never borrowed mnoey 1 never borrowed momey 1 never borrowed money 31 never borrowed money from anyone 1 never borrowed money from anywhere 1 never borrowed money, only goods 1 never borrowed. 2 never borrowef 2 never borrowered 1 never borrowwed any money 1 never borrwed 1 never borrwoed 1 never bortowed 1 never browed 1 never brrowed 1 never did 1 never needed to borrow 2 never taken 2 never. borrowed 1 neverborrowed 1 nevet borrowed 1 nevver borrowed 1 nnothing 1 no borrowed from anybody 1 no credit 14 no credits 1 no didnt borrow 1 no food 1 no indidn borrow 1 no interest charged 2 no interest rates 1 no intrest 1 no intrest added 1 no intrest rates 1 no money 1 no money to pay back 1 no need 2 no need borrowing 1 no need for that 1 no need to borrow 1 no one 25 no other 1 no paying back 1 no reason 9 no were 1 no where 7 nobody 2 nobody or nowhere 1 non applicable 3 non at all 1 non of the above 3 non of these 2 non, am schooling 1 none 414 none doesnt apply 1 none of the above 7 none of these 1 nonee 1 nonr 1 northing 1 not Applicable 1 not a member 1 not allowed by parents 1 not allowed to borrow 4 not alowed to borrow 1 not aplicable 5 not apllicable 2 not appicable 2 not applcable 1 not appliable 1 not applicabe 2 not applicable 376 not applicablr 2 not applicale 1 not applicatwd 1 not applucable 1 not appplicable 1 not appricable 1 not available 1 not borerowed 1 not borrow from any one 1 not borrowed 40 not borrowed anywhere 2 not borrowed before 1 not borrowed from any body 1 not borrowed from anybody 7 not borrowed from anyone 1 not borrowed from anywhere 1 not borrowed money 1 not borrowed money to any 1 not borrowed to any 2 not borrowwd 1 not borrwed 1 not eligible 1 not permitted to borrow 1 not trusted by family and friends 1 note applicable 1 nothing 20 nowhere 7 only option he had 1 only option i had 1 only option known and suitable 1 only people who can lend me 1 ono borrowed 1 parents pay my expenses 1 pay for fertiliser 1 pay for rent and food 1 pay for school 1 pay for school fees 1 pay school fees 2 paying to cooperative 1 payment for tablet repairs 1 people dont give money 1 personal reason 1 personal use 1 poverty 1 prevents problems 1 regular eexpenses 1 regular expenses 1 resdondant did not borrow 1 respondent did not borrow 3 respondent did not borrow any money 1 respondent didnt borrow 10 respondent manage what he has 1 respondent never borrowed money 7 respondent wanted to buy a belt 1 respondent wanted to buy seed 1 scared 1 scared of borrowing money 1 scared to borrow money 1 school feels 1 school fees 3 1 she did not borrow any money from someone 1 she did not borrow any money from someone. 15 she did not borrow from anyone 2 she didnt borrow 1 she didnt borrow,its not applicable 1 she does borrow 1 she does not believe in borrowing 1 she doesnt borrow 1 she dosent borrow 1 she has never borrowed money 1 she has not borrowed 1 she hasnt borrowed 1 she is pupil 1 she is the only one who has money that time 1 sickness 1 skip not working 1 sufering 1 survived within her means 1 talk time 1 the are understanding 1 the respondant does not borrow 1 the respondent did borrow 1 the respondent did not borrow 1 the respondent didnt borrow 2 the respondent didnt borrow any money 1 the respondent didnt borrow in the last 12 months 1 there was no interest to be paid 1 there was no need to borrow 1 they agreed to give me, while the others refused 1 they are the ones who where accepting 1 they are the only once who could 1 they cannot take me to jail if i fail to pay back 1 they do rifus to borrew me money 1 they were willing to lend me 1 to buy farming inputs 1 to buy fertiliser 1 to buy fertilizer 1 to buy food 2 to buy food stuff 1 to buy household goods 1 to buy iron sheets 1 to buy maize 1 to buy maize for food 1 to buy saop for both wasshing and bathing 1 to buy something 1 to help with expenses 1 to improve on the business 1 to pay for my rent 1 to pay school fees for the children 1 to start beer brewing and fishing 1 to start building my house 1 to start up a business 1 to visit family 1 tranaport money for my grandson from board school 1 transport 2 transport for my child 1 transport to take my baby to hospitol 1 trasport 1 tuition fees 1 urgent problem 1 urgently needed assistance without need to reimbur 1 used to buy fertilize 1 wanted to buy beer for selling 1 wanted to buy farming imputs 1 wanted to buy food 1 wanted to buy pots 1 wanted to buy soap 1 wanted to buy wher to sleep 1 wanted to finish my education 1 wanted to pay my childs school feels 1 we bought a land 1 we have to 1 wedding and building 1 working at his farm 1 worried how to pay back 1 worried i will not be able to pay back 1 worried i wont have money to pay back 1 11212 1569 1 To help you with regular expenses 3951 2 To help you cope with unexpected expenses 939 3 For business purposes 621 4 For farming/fishing purposes 567 5 Social ceremonies/celebrations 45 6 Buying a bicycle, motorcycle, car, truck or other means of t 25 7 Buying household goods such as a fridge or stove or other as 45 8 Buy residential land/house or building a house to live in/re 89 9 Buying property such as a house or land to rent out 33 10 Other, specify 4897 Sysmiss 1569 G.6_S. Specify what this money was for. 0 0 G.6.1 You said you borrowed most money to help you cope with regular expenses. W 3951 8830 1 Education or education related costs 514 2 Living expenses 3322 3 Paying off debt 19 4 Saving group contribution 7 5 Other, specify 89 Sysmiss 8830 G.6.1_S. Specify what kind of expenses. 0 0 G.6.2 You said you borrowed most money to help you cope with unexpected expenses 6074 6707 1 Medical expenses 573 2 Funeral expenses 235 3 Other, specify 5266 Sysmiss 6707 G.6.2_S. Specify what kind of expenses. 0 0 G.6.3 You said you borrowed most money for business purposes. What was this for? 621 12160 1 Startup costs such as registration, etc. or buying a busines 74 2 Buying inputs, stocks 291 3 Buying land or property for business purposes 52 4 Buying business equipment such as a printer or sewing machin 37 5 Buying a bicycle, motorcycle, car, truck or other means of t 8 6 Covering production/processing/marketing costs 44 7 Other, specify 115 Sysmiss 12160 G.6.3_S. Specify what this was for. 0 0 G.6.4 You said you borrowed most money for farming/fishing purposes. What was th 567 12214 1 Buying inputs like seeds, fertilizer or for land preparation 416 2 Buying/renting land for farming purposes 34 3 Buying livestock 31 4 Buying farming equipment or implements/fishing equipment suc 57 5 Buying a bicycle, motorcycle, car, truck, tractor or other m 3 6 Covering production/processing/marketing costs 12 7 Other, specify 14 Sysmiss 12214 G.6.4_S. Specify what this was for. 0 0 G.7 You said you borrowed from ?. Please tell me about your (most recent) experi 217 12564 1 Proceed 217 Sysmiss 12564 G.7.1 You were given a written contract 217 12564 1 Yes 160 2 No 57 Sysmiss 12564 G.7.2 The loan agreement terms and conditions were explained to you 217 12564 1 Yes 188 2 No 29 Sysmiss 12564 G.7.3 You were told about all the costs before you took the loan 217 12564 1 Yes 191 2 No 26 Sysmiss 12564 G.7.4 You understood what all the costs would be before you took the loan 217 12564 1 Yes 188 2 No 29 Sysmiss 12564 G.7.5 The regular instalment was about the amount you thought it would be 217 12564 1 Yes 183 2 No 34 Sysmiss 12564 G.7.6 You could easily get the documents needed to apply for the loan 217 12564 1 Yes 171 2 No 46 Sysmiss 12564 G.7.7 You were required to provide security/collateral 217 12564 1 Yes 106 2 No 111 Sysmiss 12564 G.7.8 You were required to make a deposit before you got the loan 217 12564 1 Yes 59 2 No 158 Sysmiss 12564 G.8.1 . In the past 12 months have you missed making a payment when it was due? 11212 1569 1 Yes 879 2 No 10333 Sysmiss 1569 G.8.2 What was the main reason for you missing a payment? Do not read out 879 11902 1 The provider of the loan did not contact me to receive payme 12 2 I had unexpected expenses and could not pay 161 3 I did not think I needed to pay the loan back at this time 3 4 I forgot to pay 20 5 I thought I would try and see if the provider of the loan wo 0 6 I could not get transport 3 7 My employer did not give me my salary 16 8 People/institution I supply goods to did not pay me 2 9 I lost my job 7 10 I lost my crop/harvest/livestock 15 11 I did not get a good price for my crop/harvest 18 12 My business was not doing well/failed 54 13 I was looking after a family member who was sick 10 14 I was sick 13 15 I did not have the money 503 16 Money deducted by employer but not remitted to lender 1 17 Other specify 32 18 Refused (Do not read out) 9 Sysmiss 11902 G.8.2_S. Specify the main reason for you missing a payment. 32 0 Delayed payments,luck of funds 1 MY BUSINESS HAS GONE DOWN 1 No income 1 THE PROVIDER OF THE LOAN WAS OUT OF TOWN 1 becauof covid 1 because covid 19 1 business was bad 1 delay in salaries 1 1 did not have money 2 dstv 1 felt lazy to pay due to power cuts 1 friend did not pay debt in time 1 i did not have money to pay 1 i didnt have money then 1 i lent out money to my friend 1 i was far away and had no access to the system 1 insufient funds 1 lack of enough resources 1 made a loss in business 1 my parents had travelled away 1 no money 1 sometime business is hard 1 the business was slow 1 the one who he owed money to was not around 1 there was no nearby institution 1 time was not sufficient to complete payment 1 wad in the hospital 1 was away at time of repayment 1 was not around at the time 1 was unavailable when payment 1 G.9.1 Have you ever applied for a loan from any of the following? 12607 0 1 176 12 25 123 9 1234 1 13 15 134 1 2 67 23 6 24 1 3 79 34 2 4 25 5 12200 G.9.2 Have you been refused a loan by ?.. ? 407 12374 1 Proceed 407 Sysmiss 12374 G.9.2a Have you been refused a loan by ?.. ? 227 12554 1 Yes 45 2 No 182 Sysmiss 12554 G.9.2b Have you been refused a loan by ?.. ? 109 12672 1 Yes 14 2 No 95 Sysmiss 12672 G.9.2c Have you been refused a loan by ?.. ? 113 12668 1 Yes 11 2 No 102 Sysmiss 12668 G.9.2d Have you been refused a loan by ?.. ? 30 12751 1 Yes 2 2 No 28 Sysmiss 12751 G.9.3 What was the main reason given for the refusal? 0 12781 1 Did not have a down payment; 0 2 Did not have the right documentation; 0 3 No security/collateral; 0 4 Income too low; 0 5 Too much debt; 0 6 No credit history; 0 7 Other, specify; 0 8 Don?t know 0 Sysmiss 12781 G.9.3a What was the main reason given for the refusal? 45 12736 1 Did not have a down payment; 4 2 Did not have the right documentation; 2 3 No security/collateral; 8 4 Income too low; 7 5 Too much debt; 3 6 No credit history; 3 7 Other, specify; 14 8 Don?t know 4 Sysmiss 12736 G.9.3b What was the main reason given for the refusal? 14 12767 1 Did not have a down payment; 1 2 Did not have the right documentation; 2 3 No security/collateral; 2 4 Income too low; 4 5 Too much debt; 1 6 No credit history; 0 7 Other, specify; 4 8 Don?t know 0 Sysmiss 12767 G.9.3c What was the main reason given for the refusal? 11 12770 1 Did not have a down payment; 0 2 Did not have the right documentation; 3 3 No security/collateral; 0 4 Income too low; 3 5 Too much debt; 1 6 No credit history; 0 7 Other, specify; 2 8 Don?t know 2 Sysmiss 12770 G.9.3d What was the main reason given for the refusal? 2 12779 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; 0 8 Don?t know 0 Sysmiss 12779 G.10a. Please tell me what goods/services did you get in this way 1398 0 A 733 AB 47 ABCEN 1 ABDG 1 ABE 2 ABL 1 ABM 1 ABN 2 AC 13 ACEG 1 ACL 2 ACN 1 AD 9 ADE 1 AE 21 AEF 2 AF 3 AG 1 AH 10 AI 2 AJ 1 AK 1 AL 2 AN 11 B 113 BC 4 BDGJ 1 BE 1 BH 4 BIJ 1 BN 4 C 26 CD 1 CH 2 CN 1 D 19 DF 1 DH 2 E 36 EG 1 EH 1 EN 1 F 12 G 6 H 39 HJ 1 I 9 IN 1 J 49 K 11 L 2 M 4 N 176 G.10b.1. What were Items such as food, sugar, flour, cooking ingredients mostly 874 11907 1 Personal/household use; 848 2 To do business/make money 14 3 Farming/fishing 6 4 Other 6 Sysmiss 11907 G.10b.2. What was Clothing used for? 183 12598 1 Personal/household use; 181 2 To do business/make money 2 3 Farming/fishing 0 4 Other 0 Sysmiss 12598 13 12768 1 Personal/household use; 7 2 To do business/make money 4 3 Farming/fishing 1 4 Other 1 Sysmiss 12768 G.10b.10. What were Appliances such as a fridge, stove, furniture used for? 53 12728 1 Personal/household use; 46 2 To do business/make money 4 3 Farming/fishing 1 4 Other 2 Sysmiss 12728 G.10b.11. Building materials such as cement, tiles, bricks 12 12769 1 Personal/household use; 9 2 To do business/make money 3 3 Farming/fishing 0 4 Other 0 Sysmiss 12769 7 12774 1 Personal/household use; 4 2 To do business/make money 2 3 Farming/fishing 0 4 Other 1 Sysmiss 12774 G.10b.13. What was Motor vehicle repair/servicing used for? 5 12776 1 Personal/household use; 3 2 To do business/make money 2 3 Farming/fishing 0 4 Other 0 Sysmiss 12776 G.10b.14. What was Other used for? 198 12583 1 Personal/household use; 116 2 To do business/make money 13 3 Farming/fishing 5 4 Other 64 Sysmiss 12583 G.10c.1 Which of the following describes how you paid for Items such as food, su 873 11908 1 You got ?. and then paid in instalments; 392 2 You got ?. and then paid the full amount later; 429 3 You got ? and used it to generate money sold it and paid bac 12 4 You paid back in kind 40 Sysmiss 11908 G.10c.2 Which of the following describes how you paid for Clothing 183 12598 1 You got ?. and then paid in instalments; 106 2 You got ?. and then paid the full amount later; 64 3 You got ? and used it to generate money sold it and paid bac 1 4 You paid back in kind 12 Sysmiss 12598 G.10c.3 Which of the following describes how you paid for Personal services (hai 52 12729 1 You got ?. and then paid in instalments; 22 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 2 4 You paid back in kind 4 Sysmiss 12729 G.10c.4 Which of the following describes how you paid for Personal services (hai 35 12746 1 You got ?. and then paid in instalments; 18 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 3 4 You paid back in kind 3 Sysmiss 12746 G.10c.5 Which of the following describes how you paid for Farming produce such a 69 12712 1 You got ?. and then paid in instalments; 35 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 3 4 You paid back in kind 14 Sysmiss 12712 G.10c.6 Which of the following describes how you paid for Farming equipment/fish 18 12763 1 You got ?. and then paid in instalments; 10 2 You got ?. and then paid the full amount later; 5 3 You got ? and used it to generate money sold it and paid bac 1 4 You paid back in kind 2 Sysmiss 12763 G.10c.7 Which of the following describes how you paid for Ploughing/harvesting s 11 12770 1 You got ?. and then paid in instalments; 0 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 1 4 You paid back in kind 1 Sysmiss 12770 G.10c.8 Which of the following describes how you paid for Stock for business 60 12721 1 You got ?. and then paid in instalments; 31 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 6 4 You paid back in kind 2 Sysmiss 12721 G.10c.9. Which of the following describes how you paid for Bicycle/motorcycle/ca 13 12768 1 You got ?. and then paid in instalments; 7 2 You got ?. and then paid the full amount later; 5 3 You got ? and used it to generate money sold it and paid bac 0 4 You paid back in kind 1 Sysmiss 12768 G.10c.10. Which of the following describes how you paid for Appliances such as a 53 12728 1 You got ?. and then paid in instalments; 44 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 0 Sysmiss 12728 G.10c.11. Which of the following describes how you paid for Building materials s 12 12769 1 You got ?. and then paid in instalments; 7 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 1 4 You paid back in kind 0 Sysmiss 12769 G.10c.12. Which of the following describes how you paid for Transport services e 7 12774 1 You got ?. and then paid in instalments; 0 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 1 4 You paid back in kind 0 Sysmiss 12774 G.10c.13. Which of the following describes how you paid for Motor vehicle repair 5 12776 1 You got ?. and then paid in instalments; 1 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 12776 G.10c.14. Which of the following describes how you paid for Other 198 12583 1 You got ?. and then paid in instalments; 101 2 You got ?. and then paid the full amount later; 65 3 You got ? and used it to generate money sold it and paid bac 1 4 You paid back in kind 31 Sysmiss 12583 G.10 Credit uses: 422 12359 1 Proceed 422 Sysmiss 12359 G.11.1 Have you heard of the credit reference bureau (CRB)? 12621 160 1 Yes 711 2 No 11910 Sysmiss 160 G.11.2 Have you ever accessed your credit reference bureau (CRB) report? 711 12070 1 Yes 142 2 No 554 3 Don?t know 15 Sysmiss 12070 G.11.3 Why have you not accessed your credit reference bureau report? 554 12227 1 Did not know I could see the report 140 2 Too expensive 14 3 I do not need to access my report 64 4 I do not know how to access my report 77 5 I have never borrowed from a financial institution 168 6 Other (Specify) 31 7 Don't know 51 8 Refused to Answer 9 Sysmiss 12227 G.11.3_S. Specify why you have not accessed your credit reference bureau report. 31 0 "Nothing" 1 Didn't borrow 1 I HAVE NEVER BORROWED 1 I just dont want 1 Its not of intrest to him 1 NEVER USED IT 1 NO SPECIFIC REASON 1 No report received 1 No specific reason 1 Scared to get my report 1 didn't know what it was 1 does not apply 1 does not buy things on credit 1 dont have a credit record 1 dont have money 1 dont have time 1 dont knw how to access it 1 i have not gotten any loan 1 its hard to access from my location 1 l have limited information about them 1 long distance to the offices 1 no enough time 1 no interest 1 no specific reason 1 no time or interest 1 nonenough knowledge 1 not intrested 1 not using it 1 not using the service 1 not using the service she only has an idea abt it 1 reason has not come to do so 1 G.11.4 Do you know what would happen to a person who fails to pay back a loan on 12621 160 1 Negative report at the credit reference bureaus 209 2 Extra fees / charges 712 3 Sent to jail 6315 4 Property taken away / auction of your collateral 3055 5 Be declared bankrupt 28 6 Nothing 363 7 Other (SPECIFY) 223 8 Don't know 1643 9 Refused to Answer 73 Sysmiss 160 G.11.4_S. Specify what would happen to a person who fails to pay back a loan on 223 0 "mostly they do make some agreements" 1 ACCOUNT CLOSED 1 ALWAYS TELLING THEM TO PAY 1 DEPENDS ON THE TERMS AND CONDITIONS 1 DISAGREEMENTS WITH WERE THEY BORROWED FROM 1 DUSAGREEMENTS BETWEEN PEOPLE 1 Depends With People's Heart. 1 Imterest would be added on top 1 LACK OF FREE MIND 1 May cause tension betwen parties 1 Negociate 1 SENT TO POLICE 1 SUMMONED TO THE COURTS 2 Sent to the chief 1 Sued 2 Summoned to court 1 TAKE U TO COULT 1 TAKEN TO COURT 17 TAKEN TO POLICE 2 TAKEN TO THE COURT 1 TAKEN TO THE POLICE. 1 TAKING PROPERTY 1 Take the person to the headman 1 Taken to chief 1 Taken to court 3 Taken to police 6 The person can be sued 1 They can be taken to court 1 They can get sued 1 They would get summoned to court 1 WAIT FOR THE TO PAY 1 YOU GET A CURSE 1 agree with the person to pay me back slowly 1 am not sure 1 arguments 1 arguments and fights 1 arrested 1 ask for an extension 1 ask him to payback 1 assest grabing 1 be foregiven 1 betean 1 bewitched 1 black listed 1 blacklisted from borrowing money again 1 burn him/ her 1 confiscate stocks 1 conflict 2 court 1 cut giving him 1 death and being bewitched 1 debtor will decide 1 dependes on the T and C of loan 1 depending on the conditions given 1 depends on the agreement 1 depened with the agreement 1 dont give back to him 1 extent payment time 1 extent the date 1 family meetings 1 forgive 1 forgive them 1 get arrested 2 gets bitten up 1 give him time 1 give it time /warning 1 give that person work for the borrow 1 give you a warning. 1 given casual work to pay the date 1 given time 1 go and claim back the money 1 go to court 1 go to the commity 1 hang him/her 1 hatred between two people 1 hatred will arise 1 he is taken to the headman 1 he is taken to the village head 1 he/ she is taken to the village head 1 he/she is taken to the chairman 1 headman 1 i have not borrowed any money before 1 i will for give him/ her 1 in rural they will take the person to the chief 1 increase more money to be paid 1 interest increased 1 interest increases 1 is taken to the chief 1 it brings about haterange 1 it depends on the type of the loan and where you 1 it depends with whom you borrowed from 1 it depents to whom he or she borrowed 1 it will be a bad debt. 1 l personally can forgive him/ her 1 listed on the CRB 1 loss of trust in the borrowee 1 made to work 1 made to work for the money 1 made to work in their field 1 make him work for me 1 matter is taken to village head 1 misunderstandings 1 neigbourhood section takes up the responsibility 1 not sure 1 one can be witched 1 one is taken the local authorities 1 payment of a default fee is charged 1 penalties will be incured 1 people will stop crediting money to that person 1 person will be black listed 1 property grabbing 1 quarel 1 refuse to lend them another time 1 relationship and trust destroyed 1 report to the village headman 1 reported to section chairman 1 reported to the village 1 run mad and get killed 1 sent to court 1 sue the person to the court of law 1 summoned 1 summoned to court 2 take him or her to court 1 take him or her to the chief 1 take him or her to the headman 1 take him to the head man 1 take him/ her to the court 1 take him/ her to the headman 1 take him/hee to the village leaders 1 take him/her to the court 6 take one to the local authority 2 take person to the police 1 take that person to the headman 1 take the case to the court 1 1 take the person to village head for punishment 1 take them to court 2 take them to police 1 take them to the chief 1 take them to the headman 1 take to court 3 take to the village headman 1 take you to coult 1 taken court 1 taken to court 10 taken to police 2 taken to sibook 1 taken to sibook or to court 1 taken to the court 2 taken to the headman 1 taken to the local aythorities 1 taken to the police 1 taken to tradional rulers 1 1 the person might be charged more from the salary. 1 there is trouble 1 there would be disagreements 1 they are taken to the headman 1 they give you time to find the money 1 they increasethe interest rate 1 1 threaten to pay 1 through negotion 1 trust is destroyed 1 warned and advised 1 we agree on another day 1 will have disagreements with the lender 1 wont lend money to that person again 1 work for the lender 1 you are given more time till you find the money 1 you are made to work for the money 1 you can be taken to the neighbour 1 you promise when to pay 1 you start arguing with tje person you owe 1 H.1 Have you heard of a pension scheme? 12701 80 1 Yes 3511 2 No 9190 Sysmiss 80 H.2 Where did you first hear about pension schemes? 3513 9268 1 Financial literacy programs 94 2 Employer 537 3 T.V 562 4 friend/family 1333 5 School 327 6 Newspaper 56 7 Radio 514 8 Other specify 90 Sysmiss 9268 H.2_S. Specify where you first hear about pension schemes. 90 0 At his work place 1 CANT REMEMBER 2 COMMUNITY 4 Cant remember 1 FOMER EMPLOYER 1 FROM FINANCIAL INSTITUTION SUCH AS PENSIONS 1 Family member(parent) 1 From a retiree 1 Husband 1 In my Counry 1 MARKET PLACE FROM PEOPLE 1 PLACE OF WORK 1 ROAD SHOW IN CHONGWE TOWN 1 Radio and friends 1 SPOUSE 1 Television 1 WORK 1 at the pensions office 1 at work 2 bilboard 1 cant remember 1 church 1 community 2 dont remember 1 former retirees 1 friends 1 friends who work 1 from civil servants 1 from farm workers 1 from her grandma 1 from my husband 1 from people 1 from people how have worked in government or coy 1 from the bank 1 from the campany i used to work from tazara railwa 1 from the late husband 1 from those who work 1 from workers 1 general knowledge 1 general public 1 government workers 2 have seen the offices myself 1 his late husband 1 husband 2 i saw a building in town 1 in the community 1 internet 3 media 1 never heard 1 other people at the bar 1 parent 1 people 2 pesions authority 1 random people talking 1 school 2 she did hear from her friends 1 spouse 1 teachers 1 through facilitators 1 uncle who retired 1 village meetings 1 when i was working 1 work 2 work i was working 1 work place 1 workers 10 working places 1 wwork place 1 H.3 Which pension schemes have you heard about? 3513 9268 1 Proceed 3513 Sysmiss 9268 H.3.1 Public Service Pension Fund (PSPF) 3512 9269 1 Yes 1334 2 No 2178 Sysmiss 9269 H.3.2 Local Authority Superannuation Fund (LASF) 3512 9269 1 Yes 431 2 No 3081 Sysmiss 9269 H.3.3 National Pensions Scheme Authority (NAPSA) 3512 9269 1 Yes 3156 2 No 356 Sysmiss 9269 H.3.4 Saturnia Regna Pension Fund 3512 9269 1 Yes 244 2 No 3268 Sysmiss 9269 H.3.5 Kwacha Pension Trust Fund 3512 9269 1 Yes 336 2 No 3176 Sysmiss 9269 H.3.6 Toyota Zambia Pension Scheme 3512 9269 1 Yes 316 2 No 3196 Sysmiss 9269 H.3.7 Barclays Bank Staff Pension Scheme 3512 9269 1 Yes 342 2 No 3170 Sysmiss 9269 H.3.8 Madison Pension Trust Fund 3512 9269 1 Yes 654 2 No 2858 Sysmiss 9269 H.3.9 Zambia Railways Pension Scheme 3512 9269 1 Yes 382 2 No 3130 Sysmiss 9269 H.3.10 ZSIC Pension Trust Fund 3512 9269 1 Yes 738 2 No 2774 Sysmiss 9269 H.3.11 NAPSA Staff Pension Scheme 3512 9269 1 Yes 842 2 No 2670 Sysmiss 9269 H.3.12 Mukuba Pension Scheme 3512 9269 1 Yes 734 2 No 2778 Sysmiss 9269 H.3.13 Other, specify 3512 9269 1 Yes 41 2 No 3471 Sysmiss 9269 H.3.13_S. Specify pension schemes you have heard of. 41 0 HEARD OF PENSIONS FROM HIS LATE GRANDFATHER but 1 Hollard, heard it from the brother. 1 NAPSA 1 PRUDENTIAL INSURANCE 1 TONTOZO PENSION SCHEME 1 1 doesnt have but has heard of it 1 don't know sny but knows whst pendion is 1 dont know any 1 government pension 2 insurance 1 just heard of it dont belong or know any 1 1 lisitilation fund pension 1 member of financial schemes 1 military pension 1 mtn insurance 1 napasa 2 napsa pension 1 none 1 none but heard about pension 1 nurses pension 1 only heard from friend so didnt know which is it 1 pension house 1 police pension 4 provesion schemes 1 satunia 1 silk pension scheme 1 teacher pension 1 teachers and nurses pension 1 teachers pension 5 zambia provident fund 1 H.4 Do you agree, disagree or not sure on the following statements 3511 9270 1 Proceed 3511 Sysmiss 9270 H.4.1 If you have a pension, it can help you to live a life you want in old age. 3511 9270 1 Agree 3032 2 Disagree 216 3 Not sure 263 Sysmiss 9270 H.4.2 In addition to compulsory pension schemes like NAPSA, having a private pen 3511 9270 1 Agree 1873 2 Disagree 388 3 Not sure 1250 Sysmiss 9270 H.4.4 You can willingly join a private pension scheme 3511 9270 1 Agree 1249 2 Disagree 904 3 Not sure 1358 Sysmiss 9270 H.4.3 There are private and public pension schemes in Zambia 3511 9270 1 Agree 1681 2 Disagree 276 3 Not sure 1554 Sysmiss 9270 H.4.5 At retirement, some pension schemes pay out lump-sum money and the rest is 3511 9270 1 Agree 2033 2 Disagree 328 3 Not sure 1150 Sysmiss 9270 H.4.6 Pension is a form of long term savings 3511 9270 1 Agree 2778 2 Disagree 170 3 Not sure 563 Sysmiss 9270 H.4.7 In case of death by the main beneficiary, the dependants will continue to 3511 9270 1 Agree 2332 2 Disagree 322 3 Not sure 857 Sysmiss 9270 H.4.8 It is better to put your money in other investments rather than contributi 3511 9270 1 Agree 1001 2 Disagree 1414 3 Not sure 1096 Sysmiss 9270 H.4.9 Retirees get pension on time in a private pension scheme 3511 9270 1 Agree 1146 2 Disagree 538 3 Not sure 1827 Sysmiss 9270 H.4.10 Retirees get pension on time in a public pension scheme 3511 9270 1 Agree 641 2 Disagree 1548 3 Not sure 1322 Sysmiss 9270 H.4.11 Pension is only paid when a contributing member retires 3511 9270 1 Agree 2476 2 Disagree 341 3 Not sure 694 Sysmiss 9270 H.4.12 Monthly payments to pensioners increase periodically 3511 9270 1 Agree 907 2 Disagree 674 3 Not sure 1930 Sysmiss 9270 H.4.13 You can make additional contributions in a private pension scheme to enha 3511 9270 1 Agree 1057 2 Disagree 476 3 Not sure 1978 Sysmiss 9270 H.4.14 If you are in formal employment, the law requires that you belong to a pe 3511 9270 1 Agree 2253 2 Disagree 228 3 Not sure 1030 Sysmiss 9270 H.5 Do you contribute to any pension scheme? 3511 9270 1 Yes 784 2 No 2727 Sysmiss 9270 H.6 Why don?t you have a pension scheme? 2727 10054 1 Don?t know what pensions are 76 2 Have never thought about it 152 3 Not employed/Don?t have a job 1190 4 Not employed in the formal sector 510 5 Don?t know where to get it 25 6 Don?t know how to get it 63 7 Have other ways of getting money when I?m old 32 8 I don?t have money to contribute to a pension scheme 305 9 No specific reason 204 10 Other, specify 170 Sysmiss 10054 H.6_S. Specify why you don't have a pension scheme. 170 0 "Am just and dont get money yet 1 ALREADY GOT RETIREMENT BENEFITS 1 AM ALREADY RETIRED 1 AM ON A PENSION SCHEME 1 Aged & no money 1 Am retired 1 CURRENTLY NOT WORKING 1 Does not contribute 1 EMPLOYER DOESNT CONTRIBUTE FOR HIM 1 HAVE NO JOB 1 Have never worked 1 He is not in employment 1 I DO NOT WORK 1 I DON'T HAVE A JOB 1 I DONT HAVE A JOB 2 I DONT UAVE A JOB 1 I am retired 1 I dont even know more about pension schemes 1 I dont work 1 I never worked anywhere 1 IAM NOT WORKING 1 IN SCHOOL 1 ITS PART TIME JOB I WORK FOR COMMISION 1 It is my intention to start 1 JUST FILLED IN FORMS 1 NO MONEY 1 NO TRUST 1 NOT WORKING 1 No Enough money 1 No income 1 Not Employed dont have a job 1 Not in employment 1 Not working 1 RETAIRED 1 RETIRED 1 Retired 2 Ritired used to contribute 1 STILL A SCHOOL GIRL 1 Self employed Farmer 1 TOO OLD 1 Too old 1 about to be regestered 1 already got my pension 1 already retired 2 am a retired person 1 am alredy old i cant start saving 1 am not employed 1 am not in employment 1 am old 1 am old and i never had a job 1 am retired 1 am stil in school 1 am too old 1 am too old to join 1 am young still in school 1 currently unable to save money 1 do not work 5 do not. have 1 does not exist here 1 does not want to wait for a long time to get money 1 doesnt trust that theynpay back on time 1 dont have a job 1 dont know 1 dont trust them 1 dont want to 1 dont work 3 havent been employed before 1 his already benefiting from pension 1 i already got mine 1 i am just a business lady 1 i am still in school 1 i am still schooling 1 i am too old now 1 i am too old to join such 1 i do have one 1 i do not have enough money to save 1 i do not work 1 i dont have a job 2 i dont have a job(not employed) 1 i dont work 3 i had it now i stopedworking 1 i have already gotten mine 1 i just never thought about it 1 if for people working 1 im at school 1 is retired 1 know I dont work 1 l don't work 2 money is limited 1 my employer as not registered me 1 my money is not enough 1 napsa only 1 no I dont work 1 no employment 1 no formal work 1 no income 4 no pension 1 no reason 1 no work 2 1 1 not emloyed 1 not employed 2 not in a formal sector 1 not in employment 1 not in formal employment 2 not registed to any 1 not working and dont have money 1 not yet in formal employement 1 over age 1 pension money finished 1 recently started doing business 1 retired 5 retired already 1 self employd 1 self employed 1 she does not have power to contribute to any schem 1 she does not how it works and can't afford 1 she is till young so she said 1 1 still at school 3 still in school 6 still learning 1 still schooling 3 still studying 1 still young to do such 1 stopped working 2 student 1 the moneyningetnis not enough 1 they delay paying you your money 1 thr employer does not contribute to the pendion sc 1 too old 1 1 transport 1 very old cant work any more 1 was contributing to NAPSA 1 working from a privete household 1 H.7.1 Is your pension scheme private? 2755 10026 1 Private 465 2 Public 725 3 Both 1565 Sysmiss 10026 H.7.2 Is your pension scheme public? 0 12781 1 Private 0 2 Public 0 Sysmiss 12781 H.8 Would you be willing to save some percentage, say, 5% of your monthly income 3511 9270 1 Yes 1422 2 No 2089 Sysmiss 9270 H.9 At what age do you think one should start saving for old age? 12701 80 0 99 24.339 10.411 H.10A Have you heard about the Pensions and Insurance Authority? 12701 80 1 Yes 1507 2 No 11194 Sysmiss 80 H.10B How would you rate your level of confidence in the Pensions and Insurance 1507 11274 1 High 252 2 Moderate 805 3 Low 450 Sysmiss 11274 H.11 Please tell me which of the following you agree or disagree with? Read out 12701 80 1 Proceed 12701 Sysmiss 80 H.11.1 Insurance is a way of saving 12701 80 1 Agree 4178 2 Disagree 1181 3 Not sure 7342 Sysmiss 80 H.11.2 Insurance is expensive and unaffordable for the majority of people 12701 80 1 Agree 3003 2 Disagree 2307 3 Not sure 7391 Sysmiss 80 H.11.3 Having insurance is a way of making sure you have money to use when thing 12701 80 1 Agree 4182 2 Disagree 1116 3 Not sure 7403 Sysmiss 80 H.11.4 You understand how insurance works 12701 80 1 Agree 2867 2 Disagree 3207 3 Not sure 6627 Sysmiss 80 H.11.5 You trust insurance companies to pay out when something does go wrong 12701 80 1 Agree 2939 2 Disagree 2001 3 Not sure 7761 Sysmiss 80 H.11.6 Insurance is for people with more money and valuable assets 12701 80 1 Agree 2571 2 Disagree 2771 3 Not sure 7359 Sysmiss 80 H.11.7 You are aware of products that can be accessed by everyone 12701 80 1 Agree 2589 2 Disagree 2364 3 Not sure 7748 Sysmiss 80 H.11.8 Insurance will make you lose money without gain 12701 80 1 Agree 1146 2 Disagree 3217 3 Not sure 8338 Sysmiss 80 H.12.1 Please tell me which of the following you have? 12624 0 A 157 AB 3 ABCDGJ 1 ABDEFGJK 1 ABDFGHKN 1 ABDFGJ 1 ABEF 1 ABEFGJ 1 ABEFJ 1 ABEGJ 1 ABFG 1 ABFGHJO 1 ABFHJ 1 ABFJ 1 ABG 2 AC 1 ACDK 1 ACF 1 ACFG 1 ACFJ 1 ACGJM 1 ACHJN 1 AD 4 ADEFGHJL 1 ADEFGIJ 1 ADEFGJM 1 ADF 1 ADFG 5 ADFGHM 2 ADFGHN 1 ADFGIJKM 1 ADFGK 2 ADFJ 2 ADFJK 1 ADG 4 ADGJ 4 ADH 3 ADHJ 1 ADHN 1 ADJ 3 ADN 1 AE 1 AEFGJ 1 AEFGJM 1 AEFJ 1 AEI 2 AF 12 AFG 4 AFGH 1 AFGHJ 1 AFGJ 5 AFH 2 AFJ 5 AFL 1 AG 18 AGH 2 AGJ 3 AGJL 1 AGKN 1 AGL 1 AH 11 AHJ 4 AHO 1 AI 1 AIN 1 AJ 7 AL 3 ALN 1 AM 1 B 6 BCD 1 BCDFM 1 BCG 1 BDFGJKL 1 BDFHL 1 BDGI 1 BFGJM 1 BL 1 C 4 CDFG 1 CEG 1 CEJM 1 D 23 DEFGH 1 DEFGHJ 1 DEFGJ 1 DEFJ 1 DF 9 DFG 7 DFGH 4 DFGHJ 3 DFGHJL 1 DFGIJ 1 DFGJ 3 DFGJN 1 DFGKN 2 DFGM 1 DFH 2 DFHJ 1 DFJ 2 DFK 1 DFM 1 DFO 1 DG 16 DGH 2 DGHN 1 DGJ 5 DGJM 1 DGK 1 DH 18 DHM 1 DJ 2 DJM 1 DO 1 E 12 EFG 2 EGJ 1 EHL 1 F 37 FG 9 FGH 6 FGHJ 1 FGHM 2 FGJ 5 FGJLM 1 FGJM 1 FH 7 FHO 1 FJ 7 FJO 1 G 46 GH 3 GHJ 1 GHM 1 GJ 7 GJL 1 GL 1 GM 2 H 29 HJ 5 HO 1 I 10 J 58 JN 1 JO 1 K 4 L 7 M 8 N 2 O 13 P 11879 INSURANCE.1: Insurance 12706 75 1 Motor vehicle insurance 12706 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 Sysmiss 75 H12_2.1: H12.2 Is this in your name or are you covered by someone else?s insuran 313 12468 1 Own insurance 226 2 Someone else?s insurance 87 Sysmiss 12468 H12_3.1: H12.3 How did you get this insurance? 313 12468 1 Insurance broker/agent; 254 2 Mobile phone; 6 3 Bank; 17 4 Employer; 16 5 Input suppler; 6 6 Other specify 14 Sysmiss 12468 INSURANCE.2: Insurance 12629 152 1 Motor vehicle insurance 0 2 Travel insurance 12629 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 0 6 Medical scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 Sysmiss 152 H12_2.2: H12.2 Is this in your name or are you covered by someone else?s insuran 31 12750 1 Own insurance 19 2 Someone else?s insurance 12 Sysmiss 12750 H12_3.2: H12.3 How did you get this insurance? 31 12750 1 Insurance broker/agent; 18 2 Mobile phone; 3 3 Bank; 3 4 Employer; 4 5 Input suppler; 1 6 Other specify 2 Sysmiss 12750 INSURANCE.3: Insurance 12629 152 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 12629 4 Funeral insurance 0 5 All risks insurance 0 6 Medical scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 Sysmiss 152 H12_2.3: H12.2 Is this in your name or are you covered by someone else?s insuran 18 12763 1 Own insurance 4 2 Someone else?s insurance 14 Sysmiss 12763 H12_3.3: H12.3 How did you get this insurance? 18 12763 1 Insurance broker/agent; 5 2 Mobile phone; 4 3 Bank; 2 4 Employer; 1 5 Input suppler; 0 6 Other specify 6 Sysmiss 12763 INSURANCE.4: Insurance 12629 152 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 12629 5 All risks insurance 0 6 Medical scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 Sysmiss 152 H12_2.4: H12.2 Is this in your name or are you covered by someone else?s insuran 166 12615 1 Own insurance 146 2 Someone else?s insurance 20 Sysmiss 12615 H12_3.4: H12.3 How did you get this insurance? 166 12615 1 Insurance broker/agent; 57 2 Mobile phone; 4 3 Bank; 12 4 Employer; 89 5 Input suppler; 1 6 Other specify 3 Sysmiss 12615 INSURANCE.5: Insurance 12629 152 1 Motor vehicle insurance 0 2 Travel insurance 0 3 Domestic/household Insurance 0 4 Funeral insurance 0 5 All risks insurance 12629 6 Medical scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 Sysmiss 152 H12_2.5: H12.2 Is this in your name or are you covered by someone else?s insuran 36 12745 1 Own insurance 24 2 Someone else?s insurance 12 Sysmiss 12745 H12_3.5: H12.3 How did you get this insurance? 36 12745 1 Insurance broker/agent; 21 2 Mobile phone; 2 3 Bank; 4 4 Employer; 5 5 Input suppler; 1 6 Other specify 3 Sysmiss 12745 INSURANCE.6: Insurance 12629 152 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 scheme 12629 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 Sysmiss 152 H12_2.6: H12.2 Is this in your name or are you covered by someone else?s insuran 194 12587 1 Own insurance 156 2 Someone else?s insurance 38 Sysmiss 12587 H12_3.6: H12.3 How did you get this insurance? 194 12587 1 Insurance broker/agent; 54 2 Mobile phone; 11 3 Bank; 18 4 Employer; 101 5 Input suppler; 1 6 Other specify 9 Sysmiss 12587 INSURANCE.7: Insurance 12629 152 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 scheme 0 7 Health insurance 12629 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 Sysmiss 152 H12_2.7: H12.2 Is this in your name or are you covered by someone else?s insuran 221 12560 1 Own insurance 185 2 Someone else?s insurance 36 Sysmiss 12560 H12_3.7: H12.3 How did you get this insurance? 221 12560 1 Insurance broker/agent; 68 2 Mobile phone; 13 3 Bank; 17 4 Employer; 111 5 Input suppler; 1 6 Other specify 11 Sysmiss 12560 INSURANCE.8: Insurance 12629 152 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 scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 12629 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 Sysmiss 152 H12_2.8: H12.2 Is this in your name or are you covered by someone else?s insuran 129 12652 1 Own insurance 117 2 Someone else?s insurance 12 Sysmiss 12652 H12_3.8: H12.3 How did you get this insurance? 129 12652 1 Insurance broker/agent; 21 2 Mobile phone; 2 3 Bank; 5 4 Employer; 94 5 Input suppler; 2 6 Other specify 5 Sysmiss 12652 INSURANCE.9: Insurance 12629 152 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 scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 12629 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 Sysmiss 152 H12_2.9: H12.2 Is this in your name or are you covered by someone else?s insuran 18 12763 1 Own insurance 15 2 Someone else?s insurance 3 Sysmiss 12763 H12_3.9: H12.3 How did you get this insurance? 18 12763 1 Insurance broker/agent; 7 2 Mobile phone; 1 3 Bank; 1 4 Employer; 0 5 Input suppler; 7 6 Other specify 2 Sysmiss 12763 INSURANCE.10: Insurance 12629 152 10 10 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 scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 12629 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 H12_2.10: H12.2 Is this in your name or are you covered by someone else?s insura 173 12608 1 Own insurance 140 2 Someone else?s insurance 33 Sysmiss 12608 H12_3.10: H12.3 How did you get this insurance? 173 12608 1 Insurance broker/agent; 89 2 Mobile phone; 14 3 Bank; 19 4 Employer; 38 5 Input suppler; 2 6 Other specify 11 Sysmiss 12608 INSURANCE.11: Insurance 12629 152 11 11 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 scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 12629 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 H12_2.11: H12.2 Is this in your name or are you covered by someone else?s insura 17 12764 1 Own insurance 15 2 Someone else?s insurance 2 Sysmiss 12764 H12_3.11: H12.3 How did you get this insurance? 17 12764 1 Insurance broker/agent; 6 2 Mobile phone; 1 3 Bank; 0 4 Employer; 8 5 Input suppler; 0 6 Other specify 2 Sysmiss 12764 INSURANCE.12: Insurance 12629 152 12 12 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 scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 12629 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 H12_2.12: H12.2 Is this in your name or are you covered by someone else?s insura 23 12758 1 Own insurance 16 2 Someone else?s insurance 7 Sysmiss 12758 H12_3.12: H12.3 How did you get this insurance? 23 12758 1 Insurance broker/agent; 13 2 Mobile phone; 1 3 Bank; 4 4 Employer; 3 5 Input suppler; 1 6 Other specify 1 Sysmiss 12758 INSURANCE.13: Insurance 12629 152 13 13 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 scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 12629 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 0 H12_2.13: H12.2 Is this in your name or are you covered by someone else?s insura 30 12751 1 Own insurance 26 2 Someone else?s insurance 4 Sysmiss 12751 H12_3.13: H12.3 How did you get this insurance? 30 12751 1 Insurance broker/agent; 9 2 Mobile phone; 2 3 Bank; 11 4 Employer; 5 5 Input suppler; 0 6 Other specify 3 Sysmiss 12751 INSURANCE.14: Insurance 12629 152 14 14 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 scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 12629 15 Any other insurance product not mentioned here 0 H12_2.14: H12.2 Is this in your name or are you covered by someone else?s insura 15 12766 1 Own insurance 11 2 Someone else?s insurance 4 Sysmiss 12766 H12_3.14: H12.3 How did you get this insurance? 15 12766 1 Insurance broker/agent; 5 2 Mobile phone; 0 3 Bank; 3 4 Employer; 5 5 Input suppler; 1 6 Other specify 1 Sysmiss 12766 INSURANCE.15: Insurance 12629 152 15 15 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 scheme 0 7 Health insurance 0 8 National Health Insurance Scheme 0 9 Agricultural insurance 0 10 Life assurance 0 11 Personal injury/accident Insurance 0 12 Property/house insurance 0 13 Money insurance 0 14 Insurance that covers a loan/Credit life insurance 0 15 Any other insurance product not mentioned here 12629 H12_2.15: H12.2 Is this in your name or are you covered by someone else?s insura 20 12761 1 Own insurance 17 2 Someone else?s insurance 3 Sysmiss 12761 H12_3.15: H12.3 How did you get this insurance? 20 12761 1 Insurance broker/agent; 11 2 Mobile phone; 4 3 Bank; 1 4 Employer; 2 5 Input suppler; 0 6 Other specify 2 Sysmiss 12761 H.13 There are different reasons for people having the kind of products we have 822 11959 1 Cannot afford to lose the thing that is covered 140 2 The cost is low compared to the consequences of loss 72 3 Being insured stops you worrying about losing things 117 4 Have to make provision for my old age 20 5 It is required by law to have it 103 6 It is better to be safe than sorry later 106 7 Have to make provision for when things go wrong 82 8 To cover my loan when something happens to me 11 9 To make sure my family has money to cover expenses in the ev 44 10 Other specify 33 11 Does not know 94 Sysmiss 11959 H.13_S. Specify the main reason why you have it. 0 0 H.14 There are different reasons for people not having insurance. What is the ma 11878 903 1 Never heard of it until now 5749 2 Does not know the benefits of insurance 1027 3 Does not know how it works 1332 4 Does not know how to get it/where to get it 416 5 Does not trust it or the companies that provide 148 6 Protects self in other ways ? don?t need it 111 7 Does not want to think about bad things happening 96 8 Cannot afford it 2170 9 They don?t want to pay out when you claim 122 10 Other specify 707 Sysmiss 903 H.14_S. Specify the main reason you don't have it. 707 0 "I dont gain enough money for insuarance ". 1 "I dont have money yet". 1 "actually he does not have money to save" 1 AGED 1 Aged and Patially blind 1 CURRENTLY NOT WORKING 1 Can an not afford 1 Challenges 1 DO NOT HAVE MONEY 1 DO NOT HAVE MONEY AT THE MOMENT 1 DO NOT KNOW SOMEONE TO GIVE ME ADVICE 1 DON'T HAVE MONEY 1 DON'T KNOW ANYTHING 1 DONT HAVE GOODS 1 DONT HAVE THE INCOME 1 DONT KNOW ABOUT IT 1 DONT KNOW ANYTHING 1 DONT KNOW ANYTHING ABOUT IT 1 DONT KNOW HOW IT WORKS 1 Didnt have money to pay 1 Do not know about 1 Does not have an income 1 Does not know where to get the services 1 Does not understand insturance and what it is 1 Doesn't just have 1 Doesnt work 1 1 Don't have alot of assets 1 Don't have money 1 Don't know about it 1 Don't pay attention 1 Dont have moey 1 Dont know 1 Dont know what it is 1 Dont konw 1 Dont understand insurance 1 Dont want 1 HAS NO KNOWLEDGE OF INSURANCE 1 HAS NOT PAID ATTENTION TO INSURANCE MATTERS 1 HAVE NOTHING TO INSURE 2 HAVENT YET BOUGHT A CAR 1 Have no money to payout 1 Have not taken time to try it. 1 Have not thought about it 1 He doesnt have any to insure 1 I AM STILL AT SCHOOL AND I DEPEND ON KY PARENTS 1 I DO NOT HAVE MONEY 1 I DONT HAVE A JOB OR MONEY 1 I DONT HAVE ANY 1 I DONT HAVE ANY MONEY 1 I DONT HAVE ANYTHING TO ENSURE 1 I DONT HAVE ANYTHING TO INSURE 1 I DONT HAVE THE REQUREMENTS 1 I DONT KNOW 1 I DONT KNOW ANYTHING ABOUT IT 1 I DONT KNOW IT 2 I DONT KNOW WHAT IT IS 1 I DONT WANT TO 1 I DONT WORK 1 I DONT YAVE ANYTHING TO INSURE 1 I HAVE KNO MONEY 1 I HAVE NEVER THOUGHT OF THAT BEFORE 1 I HAVE NO IDEA ABOUT IT 1 I HAVE NO MONEY 1 I HAVE NOTHING AND NO MONEY TO INSURE 1 I HAVE NOTHING TO INSURE 4 I WAS NOT READY TO HAVE IT ,BUT IAM READY 1 1 I am poor 1 I do not have any assert that i can insure 1 I do not have anything i feel i should insure 1 I don't have anything to insure 1 I don't know how insurance work. 1 I dont have anything to insure 1 I dont have big assets to insure 1 I dont know about it 1 I dont work 1 I earn less 1 I have intentions to start 1 I have no Job 1 I will do so when I'll regular income of my own 1 IAM NOT READY AT THE MOMENT 1 IS NOT IN FORMAL EMPLOYMENT 1 ITS FOR PEOPLE IN TOWN 1 Im a pupil 1 JUST DON'T WANT 1 LACK OF MONEY 1 LESS INCOME AS AT THE MOMENT 1 MY EMPLOYER HAS NOT REGISTERED ME 1 NEVER IN MY MIND 1 NEVER THOUGHT ABOUT IT 1 NO INCOME 1 NO INTEREST 1 NO MONEY 9 NO MONEY FOR SUCH SERVICES 1 NO MONEY TO PAY FOR IT AS AT NOW 1 NO NEED 1 NO REASON 1 NO SPECIFIC REASON 1 NOT APPLICABLE 1 NOT ENOUGH MONEY 1 NOT INTRESTED 1 NOT INVOLVED AT ALL 1 NOT WORKING 1 NOTHING 1 NOTHING TO INSURE 2 NOTHING TO INSURE AND NO MONEY 1 Never heard of it 2 No Income 1 No big asserts 1 No enough money 1 No idea 1 No idea whats this is! 1 No income 1 No income yet 1 No money for premium 1 No money to subscribe to the insurance company 1 No proper income 3 No reason 1 No specific reason 2 No steady income 1 Not in employment 1 Not in formal employement yet 1 Nothing to Insure 1 OLD AGE 1 RESPONDENT DOESNT KNOW ABOUT INSURANCE. 1 RESPONDENT DOESNT KNOW IT 1 Receive the service through spouce 1 Respondant is not employed. 1 Respondent does not know what insurance is 1 SALARY WENT SO NO CAR INSURANCE 1 STILL A SCHOOL GIRL 1 Stil in school, no income coming 1 Still at school 1 Still young 1 Too far 1 Unemployed 1 afraid 1 agents dont visit the area 1 already retired not in employment 1 am in the process 1 am not employed 1 am not ready to have one 1 am still in school 1 am still young( still in school) 1 am yet to acquire enough knowlege about it 1 because of money and stay in the village 1 because this is not our own house 1 becouse they pey out let the money when this need 1 being afraid thinking its. for rich people 1 cant access their offices because of distance 1 cant afford 5 cant afford and dont know how it works 1 cant afford it 2 companies are too far 1 costly 1 dependant 1 did not have money 1 distance from insurance companies 1 do not have an income 1 do not have anything to insure 1 do not have money 6 do not have property to insure 1 do not have things worth insuring 1 do not know 2 do not know about 1 do not know about it 2 do not know the product 1 do not work 2 do want it 1 doe not have things worth insuring 1 doent know what insurance is all about 1 does have a property to insure 1 does not care to have it at the moment 1 does not have any to insure 1 does not have anything to insure 3 does not have anything tp insure 1 does not have property to insure 1 does not have something worth insuring 1 does not have things worth insuring 1 does not know how to go about it 1 does not need it at the moment 1 does not really understand it 1 does not work 1 doesn't have enough money at the moment. 1 doesn't have money 1 doesn't have properties to insure 2 doesnt feel like his assests are worth insuring 1 doesnt have something to insure yet 1 doesnt have the money 1 doesnt know 1 doesnt know how it works 1 doesnt want it 1 don not know 1 don't feel the need for it 1 don't have anything or asset to insure 1 don't have enough money 1 don't have money 1 don't have the money 1 don't have things to insure 1 don't know 1 don't know about it 1 don't know how it works 1 don't know the meaning 1 don't things to insure 1 dont earn an income still in school 1 dont have a property to insure 1 dont have an insurance plan 1 dont have anything to insure 1 dont have anything yo insure 1 dont have anytjing that needs to be insured 1 dont have assets to insure 2 dont have enough money 3 dont have enough money or big assets 1 dont have enough money to register 1 dont have insuarance 1 dont have it here 1 dont have money 4 dont have money and big assets to insure 1 dont have money or assets 1 dont have money or big assets to insure 1 dont have money to buy a policy 1 dont have money to save 1 dont have money yo get an insurance 1 dont have need for it 1 dont have property to insure 2 dont have stable income 1 dont have things i would want to ensure 1 dont have things to insure 1 dont have valluable assets 1 dont have valuable assets 1 dont have valuable property to insure 1 dont have variable asets to ensure yet 1 dont kno 1 dont know 5 dont know about insuranse 1 dont know anything about insurance 1 dont know anything about it 1 dont know insurance 1 dont know it 3 dont know much about it and dont have money for it 1 dont know the meaning 1 dont know what insurance is 1 dont know where to find it and procedure 1 dont need it 1 dont pay attention 1 dont think of it 1 dont trust them 1 dont want 2 dont work 3 due to illiness 1 due to the house its not there property 1 expensive 1 feels assets arent valuable enough 1 financial capacity cant allow 1 for people working 1 for you to access your you need to suffer 1 friends and family are not insured 1 has never just thought about it 1 has no assets considered valuble 1 has no job 1 hasnt yet planned for it 1 have got nothing to take there 1 have no big assets to insure 1 have no enough income 1 have no enough money 1 have no income 1 have no money 2 have no need 1 have no reason 2 have no things to secure 1 have nothing to be insured 1 have nothing to insure 8 havent reached the level yet 1 havent thought about it 1 he does not know 1 he does not yet started working. 1 he has not heard about insurance 1 head but doesn't know the meaning 1 i am not a government worker 1 i am not sure of their products that they offer 1 i do not have money 1 i do not know 1 i do not know anything about insurance 1 i don't assets to insura 1 i don't have anything to insure 1 i don't have money 5 i don't have money for now i will stat soon 1 i don't have money to join 1 i don't have valuable assets 1 i don't know 1 i don't know about insurance 1 i don't work 1 i dont have 1 i dont have an asset 1 i dont have any personal property to insure 1 i dont have any source of income 1 i dont have anything i think is worth insuring 1 i dont have formal employment 1 i dont have means to pay for it 1 i dont have money 2 i dont have money still in school as a pupil 1 i dont have money to access it 1 i dont have money to buy it 1 i dont have one 1 i dont have what to insure 1 i dont know 4 i dont know insurance 1 i dont know it 5 i dont know the benefits 1 i dont know them 1 i dont know what it is 1 i dont know where the offices are 1 i dont qualify 1 i dont something to insure 1 i dont think i qualify 1 i dont understand them 1 i dont want any 1 i dont want it 1 i dont work 1 i dont work and its a village nothing to insure 1 i have never paid attention to it 1 i have never paid attention to think about it 1 i have no income 1 i have no reason 1 i have not yet put it in mind 1 i have nothing to insure 1 i have nothing worth ensuring 1 i havent joined 1 i heard but forgot what it is 1 i just dont want 2 i think its for government workers 1 im insured 1 im still young 1 in the process of getting it 1 inaccessible were we stay 1 insufficient knowledge about them 1 insurance companies are far and no knowledge about 1 interest 1 is not insured 1 is yet yo get a policy 1 isn't employed 1 it is expensive 1 it is far away from my village 1 it is too far 1 it not yet time for me to have insurance 1 its expensive 2 its far away 1 its for rich people 1 its for the rich people 1 its just time i ll have it 1 its too fair 1 its too far 1 just dont want to 1 l don't have assets 1 l don't understand 1 l dont have enough money 1 l dont have money 1 l dont have money to pay for any insurance 1 l dont have plans for thay 1 l have just learn 1 lack of formal employment 1 lack of income 1 lack of knowledge 1 lacky of finances 1 long procedures 1 low income 1 luck of money 1 might not gain anything from them 1 my husband has one 1 never bothered to join 1 never head 2 never hear about it 1 never heard 3 never heard and cant afford 1 never heard it 1 never heard of insurance 1 never heard of it 2 never thought about it 1 never thought it 1 never thought of having one despite knowing it 1 never thought of it 3 never tried 1 nit interested 1 no assests to insure 1 no assets 1 no assets to insure 1 no broker nearby 1 no car yet 1 no enough money 1 no enough money for insurance 1 no finances 1 no fixed job 1 no formal employment 1 no goods to insure 1 no idea 1 no idear 1 no idear about it 1 no income 1 no income too much on her plate to spare something 1 no insurance company near by 1 no insurance near 1 no interest 1 no money 12 no money for insurance 1 no money to start paying 1 no money to take there 2 no nearby facility 1 no need for it 1 no need for such 1 no personal assets 1 no property to issure 1 no reason 17 no reason plans to do it later 1 no specific reason 11 no stable income currently 1 no such offers here 1 none 17 northing worth insuring 1 not aplicable 1 not applicable 25 not application 1 not aware 1 not decided 1 not decided yet 1 not employed 2 not enogh. money 1 not enough funds at the moment 1 not exposed to information 1 not financially stable 2 not have 1 not have capacity 1 not having enough money 1 not here 1 not important 1 not in employment 1 not in formal employment 1 not interested 6 not intrested 1 not know insurance 1 not knowledgeable 1 not now 1 not prepared 1 not ready 2 not working 5 not yet decided 1 not yet interested to join 1 not yet old enough 1 not yet planned for it 1 nothing 27 nothing insurable 1 nothing to insure 4 nothing to lnsure 1 nothing to save 1 old age 1 plan to have 1 planning to have 1 planning to have one 1 planning to have one soon 1 planning too soon 1 plans to have eventually 1 poverty 1 processes if registration 1 providers are far away 1 respondant does not have valuable assets to insure 1 senstaziation 1 she does have money and too old. 1 she doesn't know 1 she doesnt want 1 she will have when she completes school 1 sill in school 1 so not need it right now 1 soon 1 soon will have 1 still a child 1 still at school 2 still attending school and does not know hoit work 1 still in school 2 still in school, no income 1 still schooling 2 still young 3 still young and at school 1 student 2 1 the insurance companies are too far away 1 the providers are far away 1 there are no companies here 1 there are no such institutions in this community 1 they dont easily pay 1 they dont have money to pay 1 they only give those with cars 1 thinhs are not okay 1 thinking about it 1 too demanding 1 too young 1 too young to have insurance and afford it 1 very far from insurance agents 1 waiting for the future 1 wants to use it but has nothing valuable to ensure 1 we dont have any insurance in my community 1 we have where to do insurance 1 when i start work i will register 1 wouldn't be able to pay monthly premiums 1 H.15 Do you get financial assistance from the Government? 12700 81 1 Yes 910 2 No 11790 Sysmiss 81 H.16 What do you get? 910 11871 1 Proceed 910 Sysmiss 11871 H.16.1 Social Cash transfer 910 11871 1 Yes 469 2 No 441 Sysmiss 11871 H.16.2 Bursary 910 11871 1 Yes 65 2 No 845 Sysmiss 11871 H.16.3 Farmer Input Support Programme 910 11871 1 Yes 340 2 No 570 Sysmiss 11871 H.16.4 Other, specify 910 11871 1 Yes 92 2 No 818 Sysmiss 11871 H.16.4_S. Specify the other assistance you get. 92 0 10 kg bag of mealie meal breakfast 1 CDF scholarship 1 Disability grant 1 Dissabled And Aged People Support 1 Enterpreneaurship 1 KEEPING THE GIRLS TO SCHOOL (KGS) 1 KWAKI 2 MEALIE MEAL. 1 Mily mill 1 OVC( community development) 1 SOCIAL WARFARE 1 WAS GIVEN MEDICAL FEES FOR BENSON MAFULA 1 1 a wheel chair 1 bag of melie meal 5Kg 1 bags of mealie meal 1 beans 1 cash transfer 1 ciwac 1 ciwak 1 clothes,personal equipments 1 contribute for inputs 1 covid-19 reliefs 1 disaster management 1 fertiliser 1 fertilizer 1 food for work 1 food relief 1 food, bag of melie meal in a year 2019 1 for family input only 1 for widowed 1 free education for my kids 1 government women empowerment 1 govt have some money to widows 1 i was given a wheel chair 1 it helps us something like food 1 juwell 1 1 kwak 1 meal meal and beans 1 meali meal and beans 1 meali-meal 1 mealie meal 8 mealie meal and beans 2 mealie meal sometimes 1 mealie meal, brankets, sugar, and cooking oil 1 medical aid 1 medicine from the hospital 1 melie meal 1 melie meal, beans 1 money(allowance) 1 monthly pension 1 mosquite nets 1 old age money 1 old aged persons 1 penson 1 presidential fund 1 red cross 1 relie food 1 relief food 8 salary 2 salary advance 1 salt rations and kapenta 1 single parent 1 social cash transfer 1 social money (180) 1 social welfare 1 vulnerable 1 we get the milml and maize 1 we had to receive Milly Mel 1 we were given 2 blankets 1 wheel chair 2 workshops 1 world vision 1 H.17 How often do you receive??? 0 12781 1 Proceed 0 Sysmiss 12781 H.17.1 Social Cash transfer 469 12312 1 Weekly 4 2 Monthly 146 3 Quarterly 180 4 Annually 139 Sysmiss 12312 H.17.2 Bursary 65 12716 1 Weekly 0 2 Monthly 9 3 Quarterly 23 4 Annually 33 Sysmiss 12716 H.17.3 Farmer Input Support Programme 340 12441 1 Weekly 0 2 Monthly 5 3 Quarterly 14 4 Annually 321 Sysmiss 12441 H.17.4 Other, specify 92 12689 1 Weekly 1 2 Monthly 21 3 Quarterly 27 4 Annually 43 Sysmiss 12689 H.18 How do you get the payment? 910 11871 1 Proceed 910 Sysmiss 11871 H.18.1 Cash 910 11871 1 Yes 537 2 No 373 Sysmiss 11871 H.18.2 Mobile money 910 11871 1 Yes 55 2 No 855 Sysmiss 11871 H.18.3 Into a bank account 910 11871 1 Yes 94 2 No 816 Sysmiss 11871 H.18.4 Other, specify 910 11871 1 Yes 152 2 No 758 Sysmiss 11871 H.18.4_S. Specify other mode. 152 0 12kg melie meal 1 AT A SCHOOL 1 Deliverly 1 E-voucher 1 FARMING INPUT 1 FERTILISER IN TERMS OF GOODS 1 Fertilizer 1 Give fertiliser 1 Goods (Relief) 1 Goods farming inputs 1 Goods(Relief) 1 IN FORM OF FERTILISER 1 JUST INPUTS 1 MATERIALLY 1 MONEY IS DEPOSITED INTO SCHOOLS ACCOUNT 1 Payed to college 1 SOLD SUBSIDIZED FERTILIZER KU COOPERATIVE 1 SUBSIDIZED FERTILIZER 1 Straight to school 1 THE PAYMENT WAS MADE DIRECT TO MINISTRYMOF HEALTH 1 They give us fertilizer 1 They give us subsidized fertilizer 1 Through Cooperative 1 Through fetilizer inputs 1 an air plane 1 bags of fertiliser 1 bags of mealie meal 1 bank 1 bring fertilizer 1 by distribution of fertilizer 1 by getting farming imputs 1 by getting farming input using 1 by hand 2 cash 2 cash in hand 2 cash k200/month 1 cheque 1 collected fertiliser 1 collects fertilizer 1 deliver farming inputs 1 delivered farming inputs 1 delivery farming inputs 1 deposit money for farming inputs 2 deposit money for fisp 1 deposit money in a cooperative group 1 deposit money into bank account 1 direct into school bank account 1 direct to the college 1 distributed at home 1 distribution of meali meal 1 faming input such as fertiliser 1 farm imputs 1 farm input 1 farm products 1 farming imput 1 farming imputs 1 farming inputs 6 farming material 1 fertiliser 2 fertilizer 9 fertilizer is brought to me 1 fetilizer 1 fetilizer is brought 1 fisp voucher card 1 food supplies beans 1 foood 1 for fisp they get bags of fertilizer 1 get fertiliser 1 get fertilizer 1 get inputs 1 getting farm imputs 1 give farming imputs 1 given fertilizer 1 given food 1 given items such fertilizer 1 goods 2 goods like fertiliser 1 got farming imputs 1 got it from the school 1 government paid directly into school on my behalf 1 have to pay something to recieve 1 i given cash 1 i was fertlizer 1 in form of inputs 1 in form of seed and fertilizer 1 in terms of goods 1 inputs 1 inputs delivery 1 into voucher card 1 it was a wheel chair 1 just get 2 bags of fertilizer 1 just get bags of fertilizer 1 just get farming inputs 1 just get fertilizer 1 learn at a government school 1 mealie meal 1 none 1 paid to hospital 1 pay cash 1 pay in kind 3 perment in kind 1 physical delivery 1 physical distribution 1 product 2 product bought for them 1 products bought for them 1 receive farming inputs 1 receives fertilizer at a discount 1 recieve this servince at clinic center 1 recieves fertilizer 1 relief food 1 subcides 1 subsdised fertilizer 1 subsidies on farming inputs 1 the wheel chair was brought by the gov 1 their usery comes with an airplane 1 they are given the actual inputs 1 they give cash for farming imputs 1 they give them farming inputs fertilizer,seeds etc 1 they payment is made in half manner 1 through agric cooperative 1 through agro dealer 1 through cooperatives 1 through farming inputs 1 through provision of farm imputes 1 through the headman 1 through the school account 1 thruogh agro deals 1 top up on what we comtribute 1 we went to get from the headman 1 H.19 Please tell me which of the following problems you have experienced with th 910 11871 1 Proceed 910 Sysmiss 11871 H.19.1 Payment was late 910 11871 1 Yes 491 2 No 419 Sysmiss 11871 H.19.2 You had to give money to an official 910 11871 1 Yes 72 2 No 838 Sysmiss 11871 H.19.3 Money didn?t come at all 910 11871 1 Yes 205 2 No 705 Sysmiss 11871 H.19.4 You received less money than should have 910 11871 1 Yes 130 2 No 780 Sysmiss 11871 H.19.5 Your household is not on the register 910 11871 1 Yes 119 2 No 791 Sysmiss 11871 H.19.6 You were not able to go to the collection point and you didn?t get the pa 910 11871 1 Yes 63 2 No 847 Sysmiss 11871 H.19.7 You didn?t have proof of identity and didn?t get the money 910 11871 1 Yes 69 2 No 841 Sysmiss 11871 H.19.8 Other, specify 910 11871 1 Yes 23 2 No 887 Sysmiss 11871 H.19.8_S. Specify what else you experienced. 23 0 Officials who distribute in the community get more 1 The Money stopped reflecting for almost a year. 1 bags came late and received less number of bags 1 did not get the but farming inputs 1 distributors gave more to those they knew 1 fertilizer came late 1 fertilizer was not brought even after paying 1 incosistance to get payed 1 it was through delayed payment 1 1 low income 1 melie meal 1 money was just not received 1 only gets once per year instead of monthly 1 pay a k400 to cooparetiv and later have fertiliser 1 people who write choose only friends 1 received less fertiliser than usual 1 relief food 1 school fees 1 the fertiliser was brought late 1 they dont give us the money in monthly 1 they just delayed to pay us 1 they stopped giving respondant 1 H.20 Do you understand what climate change is? 12700 81 1 Yes 6148 2 No 6552 Sysmiss 81 H.21 What does climate change mean to you? Do not read out; Multiple mention 6149 6632 1 Proceed 6149 Sysmiss 6632 H.21.1 Droughts/Dry Spell 6148 6633 1 Yes 5184 2 No 964 Sysmiss 6633 H.21.2 Heat wave 6148 6633 1 Yes 4492 2 No 1656 Sysmiss 6633 H.21.2 Missing item 6148 6633 1 Yes 5119 2 No 1029 Sysmiss 6633 H.21.4 Crop failure 6148 6633 1 Yes 4299 2 No 1849 Sysmiss 6633 H.21.5 Pollution 6148 6633 1 Yes 2887 2 No 3261 Sysmiss 6633 H.21.6 Other (Specify) 6148 6633 1 Yes 145 2 No 6003 Sysmiss 6633 H.21.6_S. Specify what climate change means to you. 145 0 "high prices of good e.g crops" 1 AMEY WORMS 1 Armworms 1 Army worms 1 CHANGE IN NORMAL CONDITION,EG MORE RAINS ,FLOODS 1 CHANGE OF SEASON 2 CHANGE OF WEATHER 1 CHANGES IN WEATHER PATTERNS 1 1 COLDNESS 1 CORONA VIRUS 7 COVID 19 1 CRONA VIRUS 1 Change of westher ,e.g in the past God used to sho 1 Chnage in weather parterns 1 Cutting down of trees 2 EARTHQUAKE 1 EXTREME CHANGE IN TEMPERATURE 1 Earthquarke 1 Human activities i.e cutting down of trees. 1 IT MEANS THAT SOMETIMES THINGS CHANGE UNEXPECTEDL 1 NATURAL FORCES AFFECTING THE ENVIRONMENT 1 SHIFTING WEATHER PATERNS 1 SOMETIMES THE CURRENCY CAN GO UP AND DOWN 1 TOO MUCH DEATHS OF CORONA 1 Weather pattern change 1 acid rain 1 army worms 1 army worms attacking maize 1 bad weather 1 change in rain cycle 1 change in rain pertain 1 change in season 1 change in temperature of the sun 1 change in the structure of the climate 1 change in weather parten 1 change of eviroment 1 change of the seasons due to chlorofloucarbon CFCs 1 change of the weather 1 change of weather 9 change of weather for a long time 1 change of weather in the morning (fog) 1 change of weather pattarn 1 change of weather pattern with time 1 change of wether 1 change of wheather pattern 1 changes in weather 1 changes in weather patern 1 changing of daily wealther 1 changing of the seasons 2 changing of weather 1 changing of weather patterns 1 changing of wether 1 changing weather patterns 1 coldness 5 coldness and hotness of air 1 coldness/hotnees 1 coldness/hotness 2 deforestation 3 deforestation and wild fires 1 dry land 1 dry spell 1 education 1 excess cold 1 excessive heat 1 excessive rainfall 1 experincing large unforseen weather changes 1 extremely coldness 1 gaving rains when it is mot yet seadon for it 1 global warming 1 heavy storms 2 heavy winds 1 huge floods 1 hunger 2 increasing of army worms 1 is the charging of weather 1 it means chenging of the reasons in three types 1 its god nature 1 long changes in weather pattern 1 lose of crops 1 low rainfall 1 low rains 2 no rain 1 no rainfall 2 not applicable 1 nothing 1 over heat 1 poverty 4 rainfall parterns 1 reduction in rainfall pertan 1 shifting of the time when a season arrives 1 sicknesses 1 soil erosion and chitemene system 1 spoiling the earth 1 sun setting fast and delaying to rise 1 sun, cold and rain 1 the change of rainfall parterns 1 the changing of weath patten 1 the coldnes and hotnes in the day 1 the way the weather changes, periods change 1 the way whether change over the years 1 things being difficult 1 time of starvation or hunger 1 to hot 1 too much coldness 2 too much heat 1 too much rainfall 1 weather changes 3 weather partan disturbed 1 wheather changing 1 whirlwinds 1 H.22 In the last 12 months, did you experience any of the following?. 12700 81 1 Proceed 12700 Sysmiss 81 H.22.1 Droughts/Dry Spell 12700 81 1 Yes 4728 2 No 7972 Sysmiss 81 H.22.2 Heat wave 12700 81 1 Yes 4864 2 No 7836 Sysmiss 81 H.22.3 Storms/Floods/Excess rainfall 12700 81 1 Yes 5412 2 No 7288 Sysmiss 81 H.22.4 Crop failure 12700 81 1 Yes 5110 2 No 7590 Sysmiss 81 H.22.5 Other (Specify) 12700 81 1 Yes 133 2 No 12567 Sysmiss 81 H.22.5_S. Specify what you experienced in the last 12 months. 133 0 1 ARMY WORMS 2 Army worms 1 Army worrms 1 CHANGE OF SEASON 1 CHANGE OF TIME 1 COLDNESS 1 CORONA VIRUS 8 COVID 19 1 Change of weather pattern 1 Cutting down of trees 1 DROUGHT 1 Increased rainfall 1 NOT ENOUGH RAIN 1 Rains stoping earlier than usual. 1 Some infrastructure damage 1 animals destroy crops 1 animals eating crops 1 arm warms 1 arm weams 1 arm wems 1 arm worms 1 army worms 5 buildings got damaged 1 change of weather 2 cold 2 cold weather 1 coldness 1 cope damged 1 crop failure 4 crop falier 1 crop falure 1 crops get burnt 1 death of livestock 1 drought spell 1 drouts 1 dry spell 2 dry spells 1 excessive heat 1 execess 1 execess coldness 1 flood 1 floods 2 had no seed 1 hearvy rainfall 1 heat 1 heavey rains 1 heavy rainfall 2 heavy rains 1 heavy storms 1 hot and to much rains 1 huge floods 1 hunger 7 hunger and luck of seed 1 hunger and lucky of seed 1 illness 1 it over rained,killing all crops 1 lack fertilizer 1 locast attack 1 lose of crops 1 loss of farming crops dua to heavy rainfall 1 loss of life to livestock 1 lots of hot 1 low income 1 many days were very cold 1 most of crops destroyed 1 never concentrated much 1 no food 1 no food to feed the family 1 no good food to eat 1 no rain 1 not heard about it 1 over heat and late rainfal 1 perstside 2 pestsides 1 places that are colder becomes hoter 1 pollution 2 poor weather pattern 1 properties was destructed 1 property was destructed 1 property were destructed, illness 1 rain took away crops(rice ) 1 rainfall leading to drowning 1 rains were too much 1 really cold 1 stock boars 1 stock bores 1 strong wind 1 termites eating crops 1 there was alot of rainfalls 1 to hot in the last years 1 too cold 1 too much coldness 1 too much coldness. 1 too much heat 6 too much rain 1 too much rainfall 2 too much rains 1 windy 1 H.23 Did you experience any of the following hardships as a result of?(read out 8346 4435 1 Proceed 8346 Sysmiss 4435 Loss to crops, livestock or own business 8346 4435 1 Yes 3611 2 No 4735 Sysmiss 4435 Rise in prices of goods and services (including transport, electricity, g 8346 4435 1 Yes 5361 2 No 2985 Sysmiss 4435 Illness within your household or family that resulted in medical expenses 8346 4435 1 Yes 1700 2 No 6646 Sysmiss 4435 Loss of job self or household member 8346 4435 1 Yes 325 2 No 8021 Sysmiss 4435 Destruction or damage of your dwelling or other property 8346 4435 1 Yes 842 2 No 7504 Sysmiss 4435 Death or disability of main income earner 8346 4435 1 Yes 223 2 No 8123 Sysmiss 4435 Death of other family member not main income earner 8346 4435 1 Yes 410 2 No 7936 Sysmiss 4435 Other, specify 8346 4435 1 Yes 26 2 No 8320 Sysmiss 4435 H.23.8_S. Specify other hardship you experienced. 26 0 Income earner abandoning Family. 1 The husband run away from home for 3 months now 1 alot of water made it difficult to be mobile 1 bad road 1 business went down. 1 caused povert 1 crop failure 3 crops did not do well 1 crops didnt grow well 1 crops washed away 1 eletricity problems 1 grandfather (household head), car accident 1 hunger 1 i didnot heard about such things 1 its just unbeareably hot 1 just heard about it 1 living without food 1 loss of mother 1 no money 2 none 2 there was no rain 1 washing away of crops 1 H.24 Did you have need for additional money to help you deal with the hardships? 6507 6274 0 Refused to answer 164 1 Yes 3205 2 No 2788 9 Don't know 350 Sysmiss 6274 H.25 How did you deal with this hardship? 6487 0 A 10 AB 2 ABC 2 ABCD 1 ABCF 1 AC 2 AEJ 1 AL 1 B 713 BC 205 BCD 69 BCDJ 17 BCDK 2 BCG 1 BCGH 1 BCH 7 BCHJ 2 BCI 3 BCJ 32 BCJK 4 BCJL 3 BCJM 1 BCK 13 BCL 12 BCM 2 BD 108 BDF 1 BDH 3 BDI 1 BDJ 21 BDJK 2 BDJKL 1 BDK 6 BDKL 1 BDL 3 BE 2 BF 3 BFK 1 BG 3 BGI 1 BH 4 BHJ 2 BHJK 1 BHK 1 BI 7 BJ 66 BJK 7 BJL 1 BJM 1 BK 37 BKL 5 BL 52 BLM 1 BM 15 C 579 CD 49 CDH 4 CDIJ 1 CDJ 10 CDJM 1 CDK 3 CDL 3 CG 1 CH 7 CI 4 CJ 25 CK 28 CKL 1 CL 24 CM 6 D 420 DFIK 1 DG 1 DH 1 DHJ 1 DI 3 DJ 31 DJK 4 DJKL 1 DJL 3 DJM 1 DK 12 DL 31 DM 5 F 7 G 8 GL 1 H 33 HI 2 HJ 3 HK 1 HL 1 HM 1 I 39 IJ 2 IM 2 J 227 JK 26 JKL 5 JL 10 JM 1 K 214 KL 73 KM 7 L 2829 LM 14 M 256 H.25.1 Claimed Insurance 12781 0 1 Yes 20 2 No 12761 H.25.2 Cut down expenses 12781 0 1 Yes 1450 2 No 11331 H.25.3 Used savings 12781 0 1 Yes 1126 2 No 11655 H.25.4 Relied on money from family 12781 0 1 Yes 822 2 No 11959 H.25.5 Missed a loan repayment (s) 12781 0 1 Yes 3 2 No 12778 H.25.6 Borrowed money from a bank 12781 0 1 Yes 14 2 No 12767 H.25.7 Borrowed money from non-bank financial institutions 12781 0 1 Yes 17 2 No 12764 H.25.8 Borrowed money from Savings group, village bank or chilimba 12781 0 1 Yes 75 2 No 12706 H.25.9 Borrowed money from moneylender 12781 0 1 Yes 66 2 No 12715 H.25.10 Sold something to get money 12781 0 1 Yes 514 2 No 12267 H.25.11 Replanted 12781 0 1 Yes 457 2 No 12324 H.25.12 Did nothing 12781 0 1 Yes 3076 2 No 9705 H.25.13 Other, specify 12781 0 1 Yes 314 2 No 12467 H.25_S. Specify how you dealt with the hardship. 314 0 ASKED FOR ADVANCE PAYMENTS FROM MY BOSSES 1 ASKED FOR ASSISTANCE FROM FAMILY MEMBERS 1 Already had money that wasn't savings(business) 1 BORROWED 1 BORROWED FROM A FRIEND 1 BORROWED FROM NEIGHBOURS 1 BORROWED MONEY FROM EMPLOYER 1 BUSINESS 1 Borrowed money from friends 1 CHURCH GAVE ME A HAND MEALIE MEAL AND AND K700 1 Children 1 DID NOT EXPERIENCE ANY HARDSHIPS 1 DID NOT HAD HARDSHIP 1 DID NOT HAVE THE HARD SHIP 1 DID PIECE WORKS TO EARN EXTRA MONEY 1 DID SOME PEACE WORKS 6 DONT KNOW ABOUT IT 1 Did A Piece Work 1 Did not have 1 Did piece work for people 1 Did piece work to raise money 1 Do piece work 1 Do piece works 1 FROM FAMILY 1 FROM THE BROTHER 1 From gardening 1 GOT MONEY FROM PARENTS 1 Good will and borrowing 1 Got help from friends and family 1 Got help from relatives elsewhere 1 HAD TO REBUILD 1 His children helped 1 I DONT KNOW ABOUT IT 1 I HAD TO PUT THE LITTLE MONEY I HAD INTO BUSINESS 1 LEANDER INSTITUTION 1 MONEY FROM CHILDREN 1 MY SPOUSE HAS TO FIND 1 Not Aplicable 1 Not Applicable 1 Not applicable 1 Piece Work 1 RESPONDENT HAD TO DO MORE PIERCE WORKS 1 RESPONDENTS DID PIERCE WORKS 1 RESPONDENTS DOES SMALL BUSINESS ACTIVITIES. 1 SELLING CHARCOAL 1 Sort for help frpm relatives and sold maize 1 Through family help 1 Through farming 1 Used some Money from Bricklaying servicces 1 WE HAD NO HARDSHIP 1 WORKED HARD 1 Went to social welfare 1 accepted to take in lower yeild 1 adjusted 1 adjustments 1 area mp gave them 2 bags of mealie meal 1 asked formassistance from the govt 1 asked my friend for roofing sheet replacenent 1 borowd from village bank 1 borrow from church and saving group 1 borrow from family and friends 1 borrow from friend 2 borrow from friends 1 borrow money from family and friends 1 borrow money from friends 1 borrowed 1 borrowed from a friend 1 borrowed from a frienf 1 borrowed from family member 1 borrowed from family/friends 1 borrowed from former employer 1 borrowed from friend 2 borrowed from friends 3 borrowed from nieghbour 1 borrowed from relatives 2 borrowed from sacco 1 borrowed money 2 borrowed money from a friend 1 borrowed money from a village member 1 borrowed money from children 1 borrowed money from family 1 borrowed money from family and friends 1 borrowed money from friend 1 borrowed money from friends 2 borrowed money from village bank 1 borrowing from individuals 1 bought a bicycle for business 1 bought something to sell 1 built with my hands..manual labour 1 burnt charcoal and sell 1 business 2 bussiness income 1 by asking money from family relatives 1 by having a strick budget 1 by selling charcoal 1 by the Grace of God 1 casual labor 1 changed business strategy 1 church helped out 1 church members 1 church members came to help 1 community helped 1 community worked together 1 continued our way of living through the hardships 1 continued selling charcoal 1 contributions from family and friends 1 cried out to the government for help 1 cut down expenses 1 cut down on expensee 1 depend much on peace works 1 depended on wild fruites 1 did extra work 2 did more piece work 1 did more piece works 2 did not deal with hardship 1 did not experience 1 did not experience anything 1 did not exprience 1 did nothing 4 did peace work 1 did peace works 2 did piece work 3 did piece works 1 did pieceworks 1 did poece work 1 did some piece work 2 did some piece work and raised some money. 1 didnt do anything 1 didnt have any hardship 1 didnt have hardship 1 didnt have need 1 dig a deep whole to prevent damage to propety 1 do not know what the parents did 1 donations 1 dont have it 1 dont know 2 employer helped 1 employer provided bonus funds 1 extra job 1 extra work 1 family 1 family helped 2 family member 1 family members 1 farming 3 fish business 1 fishing 2 friends 1 from piece works 1 gave reports to the agriculture 1 get money from rentals 1 got goods in advance to pay later 1 got help from an NGO 1 got mealie from the government 1 got money from family 1 got money from piece works 1 government gave them mealie meal 1 governtment brought some food 1 grnding mealie mea 1 had no hardships 1 had to buy additional food 1 had to cut down on expenses 1 had to do extra works 1 hard working 1 have not gotten the help i have been looking for 1 he sold maize e.t.c 1 help from friend 1 helped by family member 1 helped with money from social cash transfer 1 i did get the help i needed 1 i didnt experience any hardships 1 i turn to my friend and family 1 just sold my livestock 1 kept on believing that things will be okay. 1 look for a piece work 1 looked for piece works from people 1 manual labour..had to rebuild 1 mom is the one who can know 1 money from the church 1 my father do it for me 1 my mother is the one who did something about this 1 never happened 1 no Idea 1 non of the above 1 none 2 not applicable 3 nothing 2 parents catered for it 1 parents did not me 1 parents paid for this 1 part time jobs 1 pice work 1 piece work 12 piece work/Extra job 1 piece working 1 piece works 4 pray to God 1 prayer 1 received one bag of mealie meal from the governmen 1 relatives 1 relied on child 1 relied on friends 1 relied on money from bussiness 1 relied on money from rentals 1 relief food from goverment of zambia 1 relief food from the the government 1 relyed on pranets 1 replanted 1 repported to the Agricuture officer 1 repported to the DC's office 1 repported to the coucillor 1 salary and borrowed from friends 1 salt fish,goat to earn morney 1 sell chickens 1 selling livestock 1 she does go to her parents and claim 1 small jobs 1 sold agricultural produce 1 sold cows and goats 1 sold crops 1 sold crops( maize) 1 sold farm produce 1 sold livestock 1 sold some farm produce 1 sold something 1 started a a gardan 1 started a small short term bussiness 1 started business 2 started charcoal burning 2 started looking for other job 1 struggled 1 suppose to be given maize but we didnt receive 1 temporally shifted to another place 1 through fishing and farming 1 tried my best but still can't find the money 1 try to save 1 used another source of income 1 used cash at hand 1 used income from farming 1 used manual work 1 used money at hand 1 used money from my retail business 1 used money from the business 1 was helped with money 1 was not affected 1 we looked for money to buy food 1 went to do more work in order to earn money 1 went to the hospital 1 work extra hard 1 work extra hours 1 worked extra hard 3 worked extra hours 1 worked for other people to raise money 1 worked for others 1 worked for somes piece works to get money 1 worked hard 1 worked hard fishing 1 worked hard like doing piece works 1 worked harder 2 worked more 3 worked piece work 2 H.26 How did you access your insurance? 0 12781 1 Proceed 0 Sysmiss 12781 H.26.1 Through agro dealer 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 H.26.2 Through co-operative 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 H.26.3 Through out-grower scheme 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 H.26.4 Through farmer input support programme (FISP) 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 H.26.5 From the insurance company or broker 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 H.27 Have you heard about Covid-19 or Corona virus global health pandemic? 12781 0 1 Yes 12516 2 No 265 H.28 From where did you hear about Covid-19? 12516 0 A 1937 AB 481 ABC 62 ABCD 29 ABCDE 15 ABCDEF 4 ABCDEFH 9 ABCDEFHI 14 ABCDEFHIJ 10 ABCDEFHIJK 6 ABCDEFHIJKL 1 ABCDEFHIJKLMN 46 ABCDEFHIJKLMNO 1 ABCDEFHIJKLN 3 ABCDEFHIJKM 1 ABCDEFHIJKMN 9 ABCDEFHIJKN 11 ABCDEFHIJLMN 3 ABCDEFHIJLN 1 ABCDEFHIJM 3 ABCDEFHIJMN 11 ABCDEFHIJN 21 ABCDEFHIK 1 ABCDEFHIKLN 1 ABCDEFHIKN 4 ABCDEFHIMN 1 ABCDEFHIN 10 ABCDEFHJ 6 ABCDEFHJK 4 ABCDEFHJKLMN 3 ABCDEFHJKLN 1 ABCDEFHJKMN 10 ABCDEFHJKN 6 ABCDEFHJLM 1 ABCDEFHJLMNO 1 ABCDEFHJM 3 ABCDEFHJMN 1 ABCDEFHJN 6 ABCDEFHK 1 ABCDEFHKMN 4 ABCDEFHKN 1 ABCDEFHLN 4 ABCDEFHM 3 ABCDEFHMN 6 ABCDEFHN 7 ABCDEFIJKLN 1 ABCDEFIJLMN 1 ABCDEFIJN 1 ABCDEFJKL 1 ABCDEFJKMN 1 ABCDEFJKN 1 ABCDEFJN 1 ABCDEH 14 ABCDEHI 5 ABCDEHIJ 1 ABCDEHIJKLMN 3 ABCDEHIJKLN 1 ABCDEHIJKN 1 ABCDEHIJLN 1 ABCDEHIJMN 1 ABCDEHIJN 3 ABCDEHIKMN 1 ABCDEHIKN 3 ABCDEHILM 1 ABCDEHIMN 1 ABCDEHIN 4 ABCDEHJ 1 ABCDEHJKLMN 1 ABCDEHJKN 3 ABCDEHJLMN 1 ABCDEHJN 3 ABCDEHL 1 ABCDEHLMN 1 ABCDEHM 1 ABCDEHMN 4 ABCDEHN 1 ABCDEI 1 ABCDEIJ 1 ABCDEIJK 1 ABCDEJ 3 ABCDEK 3 ABCDEL 1 ABCDEMN 1 ABCDEN 1 ABCDFH 6 ABCDFHIJ 1 ABCDFHIJKLMN 1 ABCDFHIJKLN 1 ABCDFHIJMN 1 ABCDFHILN 1 ABCDFHIN 1 ABCDFHJ 1 ABCDFHJK 1 ABCDFHJL 1 ABCDFI 1 ABCDFIKLN 1 ABCDFJ 1 ABCDH 17 ABCDHI 7 ABCDHIJ 1 ABCDHIJKLMN 1 ABCDHIJKMN 4 ABCDHIJKN 1 ABCDHIJLMN 1 ABCDHIJMN 3 ABCDHIKN 1 ABCDHILM 1 ABCDHIM 1 ABCDHIMN 1 ABCDHJ 1 ABCDHJKMN 1 ABCDHJN 4 ABCDHKLM 1 ABCDHKMN 1 ABCDHL 1 ABCDHLM 3 ABCDHLMN 3 ABCDHLN 1 ABCDHM 1 ABCDHMN 1 ABCDHN 3 ABCDI 3 ABCDIJK 1 ABCDIK 1 ABCDJ 4 ABCDJM 1 ABCDJMN 1 ABCDJN 1 ABCDK 1 ABCDKLN 1 ABCDL 1 ABCDM 1 ABCE 3 ABCEF 1 ABCEFH 3 ABCEFHIJK 1 ABCEFHIJKL 1 ABCEFHIJKLMN 1 ABCEFHIJKN 1 ABCEFHIKLM 1 ABCEFHIMN 1 ABCEFHJK 1 ABCEFHJKMN 1 ABCEFHJKN 3 ABCEFHJL 1 ABCEFHJLMN 1 ABCEFHJN 3 ABCEFHKN 1 ABCEFHMN 1 ABCEFIJLMN 1 ABCEFIJN 1 ABCEFJ 1 ABCEH 4 ABCEHI 4 ABCEHIJ 1 ABCEHIJKLMN 1 ABCEHIJKM 1 ABCEHIJKN 1 ABCEHIJLMN 1 ABCEHIJN 1 ABCEHIK 1 ABCEHIKL 1 ABCEHIKN 1 ABCEHILN 1 ABCEHJLN 1 ABCEHJMN 1 ABCEHJN 1 ABCEHKN 1 ABCEHM 3 ABCEHMN 1 ABCEHN 3 ABCEI 1 ABCEIMN 3 ABCEJK 1 ABCEL 1 ABCF 7 ABCFH 3 ABCFHI 5 ABCFHIJ 3 ABCFHIJKLMN 1 ABCFHIJKMN 1 ABCFHIJLMN 1 ABCFHIJLN 1 ABCFHIKM 1 ABCFHIN 3 ABCFHJ 1 ABCFHJK 1 ABCFHJKLMN 1 ABCFHJKN 1 ABCFHJL 1 ABCFHJLN 1 ABCFHJMN 3 ABCFHJN 1 ABCFHKMN 1 ABCFHLMN 1 ABCFHLN 1 ABCFHM 1 ABCFHMN 3 ABCFHN 4 ABCFJ 1 ABCFJLMN 1 ABCFJN 1 ABCFLN 1 ABCFN 1 ABCH 46 ABCHI 11 ABCHIJ 6 ABCHIJKL 1 ABCHIJKLMN 1 ABCHIJKMN 1 ABCHIJLMN 7 ABCHIJMN 1 ABCHIJN 1 ABCHIKMN 1 ABCHILM 1 ABCHILMN 1 ABCHILN 1 ABCHIN 5 ABCHJ 15 ABCHJKLMN 3 ABCHJKLN 1 ABCHJKMN 3 ABCHJL 3 ABCHJLM 1 ABCHJLMN 1 ABCHJLN 6 ABCHJMN 5 ABCHJN 7 ABCHK 3 ABCHKN 3 ABCHL 3 ABCHLM 3 ABCHLMN 1 ABCHLN 4 ABCHM 4 ABCHMN 7 ABCHN 17 ABCI 4 ABCIJL 1 ABCIMN 1 ABCJ 9 ABCJLN 1 ABCKN 1 ABCL 1 ABCM 1 ABCMN 1 ABCMO 1 ABD 32 ABDE 20 ABDEFH 6 ABDEFHI 5 ABDEFHIJ 1 ABDEFHIJK 1 ABDEFHIJKLMN 1 ABDEFHIJLN 1 ABDEFHIJN 6 ABDEFHIN 1 ABDEFHJKM 3 ABDEFHJKMN 3 ABDEFHJLMN 1 ABDEFHJMN 4 ABDEFHJN 3 ABDEFHK 1 ABDEFHKM 1 ABDEFHMN 1 ABDEFHN 3 ABDEFIJMN 1 ABDEFN 1 ABDEH 20 ABDEHI 1 ABDEHIJ 5 ABDEHIJKLMN 1 ABDEHIJKMN 1 ABDEHIJN 3 ABDEHIKM 1 ABDEHIM 1 ABDEHIMN 1 ABDEHIN 4 ABDEHJ 3 ABDEHJK 3 ABDEHJM 1 ABDEHJMN 4 ABDEHJN 1 ABDEHLN 3 ABDEHM 5 ABDEHMN 3 ABDEHN 3 ABDEI 1 ABDEIJK 1 ABDEIJKN 1 ABDEIL 1 ABDEIN 1 ABDEJMN 3 ABDFH 1 ABDFHI 1 ABDFHIJKMN 1 ABDFHIJM 1 ABDFHJ 3 ABDFHJL 1 ABDFHJLMN 1 ABDFHKN 1 ABDFHLM 1 ABDFHLN 1 ABDFJ 1 ABDFMN 1 ABDH 26 ABDHI 4 ABDHIJ 3 ABDHIJKM 1 ABDHIJLMN 1 ABDHIJN 3 ABDHIK 1 ABDHIKLMN 1 ABDHIM 1 ABDHIMN 1 ABDHJ 4 ABDHJLN 3 ABDHJM 1 ABDHJMN 1 ABDHJN 1 ABDHK 1 ABDHKLMN 1 ABDHLN 1 ABDHN 7 ABDI 3 ABDIJ 1 ABDIK 1 ABDIM 1 ABDIN 1 ABDJ 5 ABDJM 1 ABDJN 1 ABDK 1 ABDLM 1 ABDM 3 ABDMN 1 ABE 34 ABEFH 4 ABEFHIJLN 1 ABEFHJ 1 ABEFHJKN 1 ABEFHJLN 1 ABEFHJM 1 ABEFHL 1 ABEFHLMN 1 ABEFIJ 1 ABEH 34 ABEHI 7 ABEHIJ 4 ABEHIJK 3 ABEHIJL 1 ABEHIJN 1 ABEHILMN 1 ABEHJ 17 ABEHJKMN 1 ABEHJLMN 3 ABEHJM 1 ABEHJMN 4 ABEHJN 11 ABEHK 1 ABEHKM 1 ABEHKMN 1 ABEHL 3 ABEHLN 1 ABEHM 5 ABEHMN 4 ABEHN 10 ABEI 4 ABEIJ 1 ABEIMN 1 ABEJ 10 ABEJK 1 ABEJMN 1 ABEKMO 1 ABEKN 1 ABEL 1 ABEM 1 ABEMN 3 ABF 15 ABFH 23 ABFHI 3 ABFHIJ 1 ABFHIJN 1 ABFHIKLMN 1 ABFHIL 1 ABFHIN 1 ABFHJ 10 ABFHJK 4 ABFHJKLMN 1 ABFHJKN 4 ABFHJL 1 ABFHJLMN 4 ABFHJLN 4 ABFHJMN 3 ABFHJN 4 ABFHL 3 ABFHLMN 1 ABFHLN 4 ABFHN 10 ABFIJM 1 ABFIN 1 ABFJ 4 ABFJM 1 ABFL 1 ABFN 1 ABH 394 ABHI 33 ABHIJ 4 ABHIJKM 1 ABHIJKN 1 ABHIJLM 3 ABHIJLN 1 ABHIJN 9 ABHIK 1 ABHIL 5 ABHILMN 1 ABHILN 1 ABHIM 1 ABHIMN 4 ABHIN 6 ABHJ 93 ABHJK 6 ABHJKL 1 ABHJKLMN 1 ABHJKMN 1 ABHJKN 9 ABHJL 10 ABHJLM 1 ABHJLMN 9 ABHJLN 11 ABHJM 15 ABHJMN 26 ABHJN 55 ABHJNO 1 ABHK 4 ABHKL 4 ABHKLMN 1 ABHKLN 1 ABHKMN 3 ABHKN 6 ABHL 28 ABHLM 4 ABHLMN 9 ABHLMO 1 ABHLN 15 ABHM 41 ABHMN 36 ABHMNO 1 ABHN 102 ABHNO 4 ABHO 1 ABI 10 ABIJ 3 ABIJLMN 1 ABIJN 1 ABIL 1 ABIN 4 ABJ 74 ABJK 1 ABJKL 1 ABJKLM 1 ABJL 7 ABJLM 3 ABJLN 5 ABJM 5 ABJMN 5 ABJN 16 ABJO 1 ABK 3 ABKL 1 ABL 10 ABLM 3 ABLMN 3 ABLN 4 ABM 14 ABMN 9 ABN 17 ABNO 3 ABO 5 AC 7 ACDEFHIJ 1 ACDEFHJLN 1 ACDEFHM 1 ACDEHIJL 1 ACDFHKLN 1 ACDH 3 ACDI 1 ACE 3 ACEFHI 1 ACEFHIM 1 ACEFHJ 1 ACEH 1 ACEHI 1 ACEHJ 1 ACEHK 1 ACEHKLO 1 ACEHN 1 ACEL 1 ACF 1 ACFH 1 ACFHI 1 ACFHIJMN 1 ACFHJ 1 ACFHJKLMN 1 ACFJ 1 ACFJM 1 ACH 10 ACHIJK 1 ACHILMN 1 ACHIN 1 ACHJ 5 ACHJK 3 ACHJL 1 ACHJLMN 4 ACHJM 4 ACHJN 1 ACHK 1 ACHKMN 1 ACHLM 1 ACHLMN 1 ACHM 1 ACHMN 3 ACHN 6 ACI 1 ACIL 1 ACJ 5 ACJN 1 ACL 3 ACLM 1 ACLMN 1 AD 3 ADE 1 ADEFHIJLN 1 ADEFJN 1 ADEH 3 ADEHI 1 ADEHIJ 1 ADEHJ 1 ADEHJN 1 ADEHN 3 ADEJ 1 ADF 1 ADH 5 ADHI 3 ADHIJLN 1 ADHJM 1 ADHL 1 ADHLMN 1 ADHM 1 ADHN 4 ADI 1 ADIJ 1 ADIN 1 ADJL 1 ADK 1 ADKN 1 ADO 1 AE 9 AEF 1 AEFH 1 AEFHIJLN 1 AEFHJ 1 AEFHJLMN 1 AEFHJN 1 AEFIJ 1 AEFJN 1 AEH 10 AEHI 1 AEHIJL 1 AEHIJLN 1 AEHIJN 1 AEHJ 6 AEHJKMN 1 AEHJMN 1 AEHJN 1 AEHN 1 AEI 3 AEJ 5 AEJM 1 AEO 1 AF 31 AFH 28 AFHI 1 AFHIJLMN 1 AFHIJMN 1 AFHIJN 1 AFHIKN 1 AFHILN 3 AFHIN 3 AFHJ 9 AFHJL 4 AFHJLMN 4 AFHJLN 3 AFHJN 4 AFHKLMN 1 AFHKN 1 AFHL 6 AFHLM 1 AFHLMN 3 AFHLN 3 AFHM 1 AFHMN 3 AFHN 4 AFJ 9 AFJL 3 AFJN 1 AFL 3 AFLN 1 AFM 3 AFN 5 AH 1104 AHI 21 AHIJ 7 AHIJL 1 AHIJLMN 1 AHIJM 1 AHIJMN 4 AHIKN 1 AHIL 1 AHILN 3 AHIM 1 AHIMN 3 AHIN 7 AHJ 462 AHJK 6 AHJKL 5 AHJKLMN 1 AHJKLN 1 AHJKN 3 AHJL 86 AHJLM 14 AHJLMN 41 AHJLN 69 AHJLO 3 AHJM 53 AHJMN 62 AHJMNO 1 AHJN 144 AHJNO 3 AHJO 3 AHK 4 AHKL 1 AHKLN 3 AHKM 3 AHKMO 1 AHKN 6 AHL 151 AHLM 21 AHLMN 45 AHLMNO 1 AHLN 108 AHLNO 3 AHM 72 AHMN 101 AHN 217 AHO 3 AI 11 AIJ 3 AIJLMN 1 AIL 1 AIM 1 AIMN 1 AIO 1 AJ 375 AJK 3 AJKL 1 AJKN 1 AJL 75 AJLM 5 AJLMN 7 AJLN 20 AJM 38 AJMN 19 AJMO 1 AJN 75 AJO 1 AK 1 AKLN 3 AKM 1 AKMN 1 AL 60 ALM 6 ALMN 7 ALN 20 ALNO 1 AM 37 AMN 14 AN 51 AO 16 B 583 BC 9 BCDEFHI 3 BCDEFHIJ 4 BCDEFHIJKMN 1 BCDEFHIKN 1 BCDEFHIM 1 BCDEFHIN 1 BCDEFHMN 1 BCDEH 1 BCDEHI 1 BCDEHIJKN 1 BCDEHIKMN 1 BCDEHJ 3 BCDF 1 BCDH 3 BCDHI 1 BCDHILMN 3 BCDHIMN 1 BCE 4 BCFHJ 1 BCFHJKL 1 BCH 5 BCHI 3 BCHIJ 3 BCHIMN 1 BCHK 1 BCHLN 3 BCHM 1 BCHMN 1 BCHN 1 BCI 1 BCM 1 BD 16 BDE 5 BDEFH 4 BDEFHI 1 BDEFHIJK 1 BDEFHIJKM 1 BDEFHJKN 1 BDEFHJN 3 BDEH 5 BDEHI 3 BDEHIJ 1 BDEHIJL 1 BDEHJM 1 BDEHJN 1 BDEHLN 1 BDEHMN 3 BDEHN 1 BDEI 1 BDEJM 1 BDH 10 BDHIJ 1 BDHN 1 BDI 1 BDIK 1 BDJN 1 BE 28 BEF 1 BEFH 1 BEFHIJK 1 BEFHIJN 1 BEFHM 3 BEFIN 1 BEH 22 BEHI 3 BEHIN 1 BEHJ 3 BEHJKN 1 BEHJM 3 BEHJN 5 BEHM 6 BEI 1 BEIJ 1 BEIN 1 BEJ 7 BEJM 3 BEN 1 BF 6 BFH 7 BFHI 4 BFHIN 1 BFHJ 3 BFHJKL 1 BFHJLM 1 BFHJN 3 BFHN 1 BFIJ 1 BFIMN 1 BFJ 1 BFL 1 BFLN 1 BH 181 BHI 14 BHIJ 3 BHIJKLN 1 BHIJL 3 BHIKN 3 BHIMN 1 BHIN 4 BHJ 33 BHJL 3 BHJLN 4 BHJM 1 BHJMN 1 BHJN 16 BHJO 1 BHKN 1 BHL 7 BHLN 5 BHM 14 BHMN 9 BHN 11 BI 4 BIM 1 BJ 20 BJL 1 BJM 1 BJN 1 BL 3 BLN 3 BM 3 BMN 1 BN 5 C 5 CD 1 CDE 1 CE 1 CEH 1 CFHJLMN 1 CH 1 CHK 1 CHKN 1 CHN 3 Church 2 D 15 DE 3 DEFHJLN 1 DEHI 1 DEIJ 1 DF 1 DFHJMN 1 DH 3 DHJ 1 E 20 EFHJ 1 EFHM 1 EFIMN 1 EH 4 EHIJ 1 EHJ 5 EHJK 1 EHJM 1 EHL 3 EJ 3 EJLN 1 EL 1 EM 1 F 12 FH 7 FHI 3 FHJ 1 FHJKLN 1 FHJLMN 1 FHJLN 1 FHJN 1 FHL 1 FHM 1 FHN 1 FJ 1 FJN 1 FMN 1 H 767 HI 7 HIJ 1 HIJKLMN 1 HIJL 1 HIJLM 1 HIL 3 HILN 3 HIM 1 HIMNO 1 HIN 1 HJ 223 HJK 1 HJL 38 HJLM 7 HJLMN 17 HJLN 39 HJM 16 HJMN 17 HJMNO 1 HJN 72 HKLMN 1 HKN 3 HL 87 HLM 7 HLMN 20 HLN 74 HM 28 HMN 41 HN 82 HO 7 I 4 IJ 4 IJL 1 IJMN 1 ILMN 1 Internet 5 J 233 JL 41 JLM 4 JLMN 4 JLN 11 JM 19 JMN 11 JN 14 JO 1 L 78 LM 5 LMN 5 LN 10 LO 4 M 64 MN 3 MO 1 N 29 O 53 SMS 4 Social media (Facebook, Whatsa 1 Work place 1 H.28s Specify from where you first heard about Covid-19 101 0 "health facilitices" 1 AT THE FARM 1 At the shop 1 Bus station 1 CLINIC 1 COMMUNITY 6 COMMUNITY HEALTH WORKERS 1 Clinic 1 HEALTH FIELD WORKERS GO ROUND THE VILLAGE TO TEACH 1 HEARD ON PHONE 1 Health personel through public announcement 1 Heard about it from Lusaka 1 IN TOWN 1 In Prison 1 MTN messages 1 ON TV 1 TELEVISION 1 THROUGH MESSAGES IN THE PHONES 1 WORKSHOP 1 ZANIS ANNOONCER 1 ZANIS ANNOUNCER 1 ZANIS PA System 1 at funerals 1 car with mega phones passing through community 1 chief kano!esha 1 chiefs 1 clinic 2 community group 1 does not know 1 even to those who were going round anouncing 1 failed to answer 1 first quartum 1 friend from town 1 from health facilities 1 from hospitals 1 from lusaka 1 from others 1 from people 3 from people in other villages 1 from the clinic 1 from the councilor 1 from the radio 1 head from lusaka 1 health post 1 health workers 1 heard it from urban areas 1 hearsay ( basically people) 1 hospital 5 hospitals 3 i heard it from people from lusaka 1 in chipata town 1 in public 1 in public places 2 in town from people 1 information car 1 market place 2 market places and streets 1 message from the phone 1 ministry of health 1 never heard 1 other people 2 other people in thecommunity 1 people talk about it 1 people who go around with a vehicle 1 phone 2 phone call 1 phone calls 1 phone messages 1 phones 2 public adress system 1 public announcements 1 publicity by zanis 1 radio 1 red cross 1 refused to answer 1 roads 1 savings group 1 sports 1 through phone call 1 village bank group and chilimba group 1 within the community 1 zanis 1 H.29 How have you changed your behavior since learning about Coronavirus or Covi 12516 0 A 477 AB 95 ABC 98 ABCD 45 ABCDE 47 ABCDEF 66 ABCDEFG 31 ABCDEFGH 4 ABCDEFGHI 51 ABCDEFGHIJ 24 ABCDEFGHIJK 15 ABCDEFGHIJKL 20 ABCDEFGHIJKLM 58 ABCDEFGHIJKLN 3 ABCDEFGHIJKM 10 ABCDEFGHIJKMN 3 ABCDEFGHIJKO 1 ABCDEFGHIJL 2 ABCDEFGHIJM 4 ABCDEFGHIJN 1 ABCDEFGHIK 24 ABCDEFGHIKL 10 ABCDEFGHIKLM 9 ABCDEFGHIKLMN 6 ABCDEFGHIKLN 1 ABCDEFGHIKM 8 ABCDEFGHIKMN 2 ABCDEFGHIKN 2 ABCDEFGHILM 1 ABCDEFGHILO 2 ABCDEFGHIM 5 ABCDEFGHJK 1 ABCDEFGHKLN 1 ABCDEFGI 74 ABCDEFGIJ 10 ABCDEFGIJK 3 ABCDEFGIJKL 4 ABCDEFGIJKLMN 3 ABCDEFGIJKLN 3 ABCDEFGIJKM 1 ABCDEFGIJL 2 ABCDEFGIJLMN 1 ABCDEFGIJO 2 ABCDEFGIK 21 ABCDEFGIKL 11 ABCDEFGIKLMN 1 ABCDEFGIKLN 5 ABCDEFGIKMN 1 ABCDEFGIKN 4 ABCDEFGIL 2 ABCDEFGILMO 1 ABCDEFGIM 7 ABCDEFGJK 1 ABCDEFGJM 1 ABCDEFGM 1 ABCDEFH 3 ABCDEFHI 28 ABCDEFHIJ 3 ABCDEFHIJKM 4 ABCDEFHIJM 1 ABCDEFHIK 9 ABCDEFHIKL 3 ABCDEFHIKLM 1 ABCDEFHIKLMN 1 ABCDEFHIKLMNO 2 ABCDEFHIKM 5 ABCDEFHIKMN 1 ABCDEFHILM 1 ABCDEFHILO 1 ABCDEFHIM 5 ABCDEFHIN 3 ABCDEFHIO 1 ABCDEFHK 1 ABCDEFHKN 1 ABCDEFI 195 ABCDEFIJ 7 ABCDEFIJK 3 ABCDEFIJKL 1 ABCDEFIJKM 4 ABCDEFIJKN 4 ABCDEFIJN 2 ABCDEFIK 41 ABCDEFIKL 14 ABCDEFIKLM 1 ABCDEFIKM 7 ABCDEFIKMN 3 ABCDEFIKN 3 ABCDEFIL 5 ABCDEFILM 1 ABCDEFILMO 1 ABCDEFILN 1 ABCDEFIM 5 ABCDEFIN 3 ABCDEFIO 1 ABCDEFJ 3 ABCDEFK 1 ABCDEFKL 1 ABCDEFKLN 1 ABCDEFKM 2 ABCDEG 2 ABCDEGHI 2 ABCDEGHIJ 3 ABCDEGHIJKM 2 ABCDEGHIK 1 ABCDEGHIKMN 1 ABCDEGI 16 ABCDEGIJ 4 ABCDEGIJKM 1 ABCDEGIK 13 ABCDEGIKLM 1 ABCDEGIKLN 1 ABCDEGIKM 1 ABCDEGIM 1 ABCDEGJK 1 ABCDEHI 2 ABCDEHIJKM 2 ABCDEHIK 4 ABCDEHIKLM 1 ABCDEHIKM 1 ABCDEHIM 1 ABCDEHIN 1 ABCDEI 161 ABCDEIJ 6 ABCDEIJK 2 ABCDEIJKN 2 ABCDEIK 23 ABCDEIKL 4 ABCDEIKLM 3 ABCDEIKLN 1 ABCDEIKM 2 ABCDEIKN 2 ABCDEIL 1 ABCDEIM 4 ABCDEIN 4 ABCDEIO 3 ABCDEK 2 ABCDEM 2 ABCDF 10 ABCDFG 1 ABCDFGI 9 ABCDFGIK 1 ABCDFGIKLMN 1 ABCDFGLM 1 ABCDFH 3 ABCDFHI 3 ABCDFHIJKM 1 ABCDFI 48 ABCDFIJ 1 ABCDFIK 5 ABCDFIKL 1 ABCDFIKM 1 ABCDFILN 2 ABCDFIM 2 ABCDFIO 2 ABCDFJ 2 ABCDFN 2 ABCDGHI 2 ABCDGI 3 ABCDGIK 3 ABCDHI 5 ABCDI 63 ABCDIJ 4 ABCDIJO 2 ABCDIK 15 ABCDIKM 1 ABCDIL 1 ABCDIN 1 ABCDK 3 ABCDL 1 ABCE 31 ABCEF 33 ABCEFG 3 ABCEFGH 2 ABCEFGHI 6 ABCEFGHIJ 1 ABCEFGHIJLM 1 ABCEFGHIK 2 ABCEFGHIKLM 5 ABCEFGHIKM 1 ABCEFGHJLM 1 ABCEFGI 19 ABCEFGIKLN 1 ABCEFGIKM 3 ABCEFGIM 2 ABCEFGL 1 ABCEFH 2 ABCEFHI 11 ABCEFHIJKL 2 ABCEFHIJL 1 ABCEFHIK 3 ABCEFHIKM 1 ABCEFHILM 1 ABCEFHIM 2 ABCEFHIO 2 ABCEFHK 1 ABCEFHM 2 ABCEFI 145 ABCEFIJ 1 ABCEFIJK 3 ABCEFIJKLM 2 ABCEFIK 23 ABCEFIKL 1 ABCEFIKLM 1 ABCEFIKLN 1 ABCEFIKM 3 ABCEFIKN 1 ABCEFIL 1 ABCEFILM 1 ABCEFIM 5 ABCEFIMN 1 ABCEFJ 1 ABCEFK 1 ABCEG 1 ABCEGH 3 ABCEGHI 2 ABCEGI 7 ABCEGIJK 2 ABCEGIK 6 ABCEGIKL 1 ABCEGIKM 3 ABCEGIL 1 ABCEGIM 1 ABCEHI 10 ABCEHIJ 2 ABCEHIK 1 ABCEI 231 ABCEIJ 3 ABCEIJKLN 1 ABCEIK 14 ABCEIKL 1 ABCEIKM 1 ABCEIL 9 ABCEIM 4 ABCEIMN 1 ABCEIN 1 ABCEJ 1 ABCEJK 1 ABCEK 2 ABCEKL 2 ABCEL 1 ABCF 24 ABCFG 1 ABCFGI 6 ABCFGKLM 1 ABCFHI 5 ABCFHIJKLM 1 ABCFHIKLM 1 ABCFI 77 ABCFIK 6 ABCFIKM 2 ABCFIO 3 ABCFM 3 ABCG 5 ABCGHI 2 ABCGI 3 ABCGIM 1 ABCHI 5 ABCHIL 1 ABCHIM 2 ABCI 168 ABCIJ 1 ABCIK 6 ABCIKL 1 ABCIL 2 ABCIM 4 ABCIN 1 ABCIO 5 ABCK 2 ABCM 1 ABD 23 ABDE 18 ABDEF 12 ABDEFG 3 ABDEFGHI 1 ABDEFGHIJK 1 ABDEFGHIK 3 ABDEFGHIM 3 ABDEFGI 5 ABDEFGIK 1 ABDEFGIKLM 1 ABDEFGN 2 ABDEFH 1 ABDEFHI 6 ABDEFHIKL 1 ABDEFHIKLO 1 ABDEFI 77 ABDEFIJ 1 ABDEFIJN 1 ABDEFIK 5 ABDEFIKLM 1 ABDEFIKM 3 ABDEFIL 3 ABDEFIM 8 ABDEFK 1 ABDEFO 1 ABDEG 1 ABDEGH 1 ABDEGHIK 1 ABDEGI 4 ABDEGIJ 3 ABDEGIM 3 ABDEGIN 1 ABDEH 1 ABDEHI 5 ABDEHIJ 1 ABDEHIK 1 ABDEHIKM 1 ABDEI 146 ABDEIJ 3 ABDEIK 9 ABDEIKLM 1 ABDEIL 2 ABDEILM 1 ABDEIM 1 ABDEIO 2 ABDEK 1 ABDF 5 ABDFGHIJ 1 ABDFGHIK 1 ABDFGHK 1 ABDFGI 4 ABDFGIJ 1 ABDFH 3 ABDFHI 10 ABDFHJ 1 ABDFI 53 ABDFIK 5 ABDFIM 3 ABDG 2 ABDGIK 1 ABDHI 5 ABDI 105 ABDIK 7 ABDIKL 1 ABDIM 1 ABDIO 7 ABDJ 1 ABDK 1 ABDL 1 ABDM 1 ABE 53 ABEF 34 ABEFG 7 ABEFGI 5 ABEFGIK 1 ABEFGIL 1 ABEFGM 2 ABEFH 4 ABEFHI 21 ABEFHIJ 1 ABEFHIJK 2 ABEFHIK 2 ABEFI 219 ABEFIJ 1 ABEFIK 13 ABEFIKL 1 ABEFIKM 4 ABEFIL 3 ABEFILM 1 ABEFIM 7 ABEFIO 2 ABEFK 3 ABEFKL 1 ABEG 9 ABEGHI 1 ABEGI 11 ABEGIJ 1 ABEGIK 3 ABEH 1 ABEHI 14 ABEHIK 2 ABEHIM 1 ABEI 418 ABEIJ 2 ABEIJM 1 ABEIK 24 ABEIKL 1 ABEIKN 2 ABEIL 2 ABEIM 8 ABEIO 5 ABEM 1 ABF 51 ABFG 3 ABFGH 1 ABFGHI 1 ABFGI 6 ABFGIK 3 ABFH 4 ABFHI 20 ABFHIJ 4 ABFHIKL 1 ABFHM 1 ABFI 214 ABFIJ 1 ABFIK 5 ABFIKL 1 ABFIL 1 ABFIM 7 ABFIMO 1 ABFIO 3 ABFM 6 ABG 3 ABGHI 1 ABGI 13 ABGIL 1 ABH 4 ABHI 18 ABHIJ 2 ABHJ 1 ABHK 1 ABI 590 ABIJ 6 ABIJK 1 ABIK 21 ABIL 5 ABILO 1 ABIM 7 ABIO 13 ABK 8 ABKL 1 ABM 2 ABO 5 AC 90 ACD 23 ACDE 16 ACDEF 14 ACDEFGH 1 ACDEFGHI 11 ACDEFGI 14 ACDEFGIM 1 ACDEFH 3 ACDEFHI 4 ACDEFHIK 1 ACDEFI 46 ACDEFIJ 1 ACDEFIK 6 ACDEFIKM 2 ACDEFIL 1 ACDEFIM 2 ACDEFJKL 1 ACDEG 1 ACDEGI 4 ACDEHI 1 ACDEI 81 ACDEIJKN 1 ACDEIK 2 ACDEIKL 3 ACDEIKM 2 ACDEIL 3 ACDEIO 1 ACDEJKL 1 ACDEL 2 ACDEM 1 ACDEO 2 ACDF 8 ACDFG 3 ACDFGHIKM 1 ACDFGI 1 ACDFH 2 ACDFHI 1 ACDFHJ 2 ACDFI 16 ACDFIJ 1 ACDFIKL 1 ACDFIM 1 ACDFK 2 ACDFL 3 ACDGI 1 ACDGIJM 1 ACDGIO 2 ACDHI 2 ACDI 56 ACDIK 4 ACDIKM 2 ACDIM 2 ACDIO 3 ACDO 1 ACE 60 ACEF 18 ACEFGHIJL 1 ACEFGHIK 1 ACEFGI 3 ACEFGIKLM 1 ACEFH 2 ACEFHI 3 ACEFHIJ 1 ACEFHK 1 ACEFI 58 ACEFIK 2 ACEFIKL 1 ACEFIKLM 2 ACEFIKM 1 ACEFIM 5 ACEFK 1 ACEFM 1 ACEG 2 ACEGHIM 1 ACEGI 8 ACEGIJ 2 ACEGIL 1 ACEGIM 1 ACEGK 1 ACEHI 4 ACEHIKM 1 ACEHJ 1 ACEI 191 ACEIJ 7 ACEIK 13 ACEIKL 1 ACEIKLM 1 ACEIKM 6 ACEIM 2 ACEIO 3 ACEK 2 ACEM 1 ACF 16 ACFGI 2 ACFGIM 1 ACFHIK 1 ACFHIM 1 ACFI 51 ACFIJ 1 ACFIK 3 ACFIM 3 ACFK 6 ACFKLM 1 ACFM 1 ACG 1 ACGI 7 ACGIM 1 ACHI 1 ACHIK 1 ACHL 1 ACI 156 ACIJ 1 ACIK 6 ACIKM 2 ACIL 4 ACIM 7 ACIO 1 ACJ 3 ACK 6 ACL 1 ACO 1 AD 67 ADE 40 ADEF 20 ADEFG 3 ADEFGI 8 ADEFGIK 1 ADEFHI 1 ADEFHIJM 1 ADEFHIKM 1 ADEFHK 1 ADEFI 78 ADEFIJ 2 ADEFIJKM 2 ADEFIK 3 ADEFILM 1 ADEFIM 2 ADEFIO 1 ADEFK 1 ADEFM 1 ADEGHIM 1 ADEGI 7 ADEGIK 1 ADEGIKLM 1 ADEGK 1 ADEGM 1 ADEH 3 ADEHI 3 ADEHIM 3 ADEI 251 ADEIJ 3 ADEIK 11 ADEIKL 1 ADEIL 1 ADEIM 3 ADEIO 4 ADEK 2 ADEM 1 ADF 29 ADFG 1 ADFGHIJ 1 ADFGI 4 ADFHI 1 ADFHJ 1 ADFI 60 ADFIJ 3 ADFIK 4 ADFIM 4 ADFIO 1 ADFL 1 ADG 9 ADGI 11 ADGIJK 1 ADGIO 1 ADGK 1 ADH 2 ADHI 2 ADHIK 1 ADHO 1 ADI 350 ADIJ 3 ADIK 11 ADIKM 1 ADIM 4 ADIMO 1 ADIN 1 ADIO 9 ADJ 2 ADK 3 ADL 1 ADO 2 AE 135 AEF 70 AEFG 1 AEFGHIKLM 2 AEFGHK 1 AEFGI 15 AEFGIK 1 AEFGIM 1 AEFGM 1 AEFHI 7 AEFHIJ 1 AEFHIM 1 AEFI 202 AEFIJ 2 AEFIJK 1 AEFIK 11 AEFIKL 2 AEFIKM 2 AEFIKO 1 AEFIL 3 AEFIM 13 AEFIO 3 AEFK 4 AEFKM 1 AEG 5 AEGHI 1 AEGI 16 AEGIM 4 AEGK 1 AEGL 1 AEGM 1 AEH 13 AEHI 12 AEHJ 1 AEI 698 AEIJ 5 AEIK 36 AEIKL 4 AEIKLM 1 AEIKM 4 AEIL 6 AEILM 1 AEIM 24 AEIN 1 AEIO 19 AEJ 4 AEK 10 AEKL 2 AEKM 1 AEL 8 AEM 1 AEO 4 AF 76 AFG 3 AFGHI 1 AFGI 8 AFGK 1 AFH 6 AFHI 9 AFHIJM 1 AFHJ 1 AFI 282 AFIJ 1 AFIJK 1 AFIK 8 AFIKM 1 AFIL 1 AFIM 8 AFIO 4 AFJ 3 AFK 4 AFKL 1 AFL 1 AG 7 AGHIJ 1 AGI 25 AGIK 1 AGIM 5 AGIO 1 AGJ 1 AH 8 AHI 9 AHIK 1 AHIL 1 AHIM 3 AHK 1 AI 1384 AIJ 10 AIK 29 AIKL 1 AIKM 1 AIL 9 AILM 1 AILO 1 AIM 15 AIN 2 AIO 62 AJ 9 AJKLM 1 AJO 1 AK 5 AKL 2 AKO 1 AL 4 AM 4 AN 1 AO 23 B 16 BC 4 BCD 1 BCDEFKM 1 BCDEI 1 BCDEIK 2 BCDFGI 1 BCDFI 3 BCDI 2 BCEFI 1 BCEI 4 BCEIK 1 BCFGI 1 BCFGK 1 BCFI 5 BCFIKM 1 BCFIL 1 BCFILM 2 BCHK 1 BCI 5 BDE 2 BDEFGI 2 BDEFI 3 BDEGIM 2 BDEI 7 BDFI 1 BDGI 3 BDI 19 BE 8 BEFI 5 BEI 17 BEIK 2 BF 1 BFHI 1 BFI 22 BFIK 2 BFIM 1 BFK 1 BGI 1 BI 32 BIMO 2 BIO 3 C 17 CD 4 CDEF 1 CDEFI 3 CDEFIKL 1 CDEI 6 CDFI 3 CDI 4 CE 10 CEF 1 CEFGIJKLM 1 CEFI 1 CEFIK 2 CEI 5 CEK 1 CF 5 CFI 6 CFIO 1 CFK 1 CFLM 1 CG 1 CGI 1 CI 12 CK 1 CO 1 D 17 DE 23 DEF 4 DEFG 2 DEFI 1 DEFIM 2 DEG 1 DEGI 3 DEGM 1 DEHI 1 DEI 24 DEIO 1 DF 5 DFGI 2 DFGO 1 DFI 8 DFKMN 1 DG 4 DGI 5 DH 1 DI 43 DIJO 1 DIK 3 DIKL 1 DJ 4 DLO 1 DO 3 E 57 EF 20 EFG 3 EFGHI 1 EFGI 1 EFI 20 EFIL 1 EFIM 3 EFK 4 EFM 2 EFO 1 EG 4 EGI 5 EI 47 EIM 1 EIO 1 EK 3 EL 1 EM 3 F 58 FG 7 FGHI 1 FGI 1 FGM 1 FH 1 FHI 1 FI 22 FIJK 1 FIK 1 FIM 1 FIO 5 FK 4 FL 2 G 4 GI 7 GIK 3 GK 2 H 1 HIL 1 I 244 IK 3 IKO 3 IL 1 IO 8 J 1 K 4 M 3 NO 1 O 207 H.29s Specify how you have changed your behavior since learning about Covid-19 346 0 AVOID HAND SHAKE 1 AVOID HAND SHAKES 1 Avoiding hand shakes 1 BECOME CLEAN 1 BUILT TOILETS 3 Behaviour has not changed in any way 1 Changed nothing 1 Clean surroundings 1 DONT TOUCH YOUR EYES 1 DRINKING HOT WATER 1 Did nothing 2 Done nothing 2 Dont do anything 1 Eating clean food 2 HAVENT CHANGED ANYTHING 1 Has not done anything 1 Have a good toilet 1 Have done nothing 1 I personally do nothing 1 KEEPING ONE METER DISTANCE 1 NOTHING HAS CHANGED 1 No impact here 1 Nothing 4 Nothing only God protects 1 OBSERVING DOCIAL DISTANCING 1 SOCIAL DISTANCE 1 SOCIAL DISTANCING 2 SOCIOL DISTANCING 1 She dont know anything 1 Social Distance 1 Social distance 3 Sweep the premises at home 1 WASHING HANDS AFTER USING THE TOILET 1 all left in God's hands 1 avoid cold food 2 avoid eating anywhere and cleanliness 1 avoid going to church 1 avoid hand shacks 1 avoid hand shake 1 avoid hand shakes 6 avoid handshakes 4 avoid handshakes and hugs 1 avoid hsnd shakes 1 avoid unecesary movements 1 avoiding hand shakes 1 avoud hand shakes 1 believe in Jesus 1 boiling water 1 brush teeth, cleaning nails 1 by praying to God 1 changed nothing 3 clealiness 1 clean enviroment 1 clean environment 1 clean surou ndings 1 clean the environment 2 clean toilets 1 clean your surrounding 1 cleaness 3 cleaniliness 1 cleaniness 1 cleaning env ironment 1 cleaning house surroundings 1 cleaning surrondings 1 cleaning the sarounding ,covering food 1 cleaning the toilet 1 cleanliness 4 cleanliness at home 1 cleanness and praying 1 cleanness. 1 clearn the sarounding 1 closed schools 1 cover food always, clean the house and surounding. 1 did nothing 11 didn't change anything. 1 didn't change behaviour 1 didnt change anything 1 do not do any thing 1 do not eat cold food 1 do not eat cold foods and be at least a meter from 1 do nothing 6 does nothing 2 does nothing respondent sacarstic about it 1 doing nothing about corona ,just praying 1 don't believe in contracting the virus 1 don't know 1 done nothing 3 dont do anything 2 dont know anything 1 dont understand what it is 1 drink boiled water containig lemons 1 drink clean water 1 drink lemon water 1 drink safe water and eat warm food 1 eat hot foods and refuse grandchildren to play 1 eat warm food 1 eating warm food 1 failed to answer 1 fear of the disease 1 following health guildlines 1 go to hospital if you start coughing 1 going to the clinic often when you get symptoms 1 good sanitation 2 has no idea 1 hasnt changed 1 have clean toilets 1 have done nothing 1 have not changed 1 haven't changed 2 havent changed behaviour 1 hygien 1 hygiene 1 i don't do anything 1 i dont do anything to protect my self 1 i dont know 2 i have done nothing 2 i started praying 1 improve of general cleanliness 1 it has brought poverty 1 it has not changed 1 keep places clean 1 keep social distance 2 keep suroundings clean 1 keep surrounding clean 1 keeping distance 1 keeping food safe and protected 1 keeping social distance 1 maintain 1 meter apart 1 maintain social distance 9 make sure their ar no flies on food 1 making sure food is properly cooked 1 money difficult to find 1 never exprienced it 1 never heard 1 no change 6 no effect 2 no hand shack 1 no hand shakes 1 no shaking hands 1 no shecking hands 1 no touching face and eyes 1 nolonger eat as a group, no sleeping in a group 1 none 2 noo hand shakes 1 not applicable 1 not changed 4 nothing 40 nothing ...i think its not serious 1 nothing as changed 1 nothing because its not in our area 1 nothing changed 1 nothing dont do anything 2 nothing has changed 7 nothing has changed in behavior 1 nothing not sure whether Covid-19 is real 1 observe social distance 2 observe social distancing 2 one meter apart 4 overcook the food like eggs and meat 1 ovoiding being in public places 1 personal hygiene 1 pray to God 1 praying 1 safe keeping food 1 schools have been closed 1 1 social distance 14 social distancing 30 social distancing a must 1 sought God 1 stay 1 meter apart 1 stay one meter apart from next person 1 stopped cooking meat 1 stopped eat cold food 1 stopped going to school 1 take care of yoursef hyginically 1 taking a lot of lemons 1 thoroughly wash food from the market 1 use of soap and clean water 1 washing clothes 1 washing of hands regulary 1 we dont have that here 1 will are doing nothing 1 H.30 How has covid-19 impacted your daily living? 12516 0 A 136 AB 33 ABC 16 ABCD 29 ABCDE 29 ABCDEFG 11 ABCDG 1 ABCE 9 ABCF 2 ABCG 1 ABD 17 ABDE 11 ABE 16 ABEH 1 ABF 2 ABG 6 ABH 1 AC 41 ACD 20 ACDE 14 ACDEF 3 ACDEFG 3 ACDEH 1 ACE 4 ACEF 2 ACEG 1 ACG 1 ACH 5 AD 36 ADE 17 ADEF 3 ADEH 2 ADF 1 ADH 1 AE 33 AEF 1 AEH 5 AF 1 AG 3 AH 1 B 342 BC 105 BCD 41 BCDE 65 BCDEF 10 BCDEFG 5 BCDEG 6 BCDEH 1 BCDF 1 BCDG 2 BCDH 2 BCE 44 BCEF 5 BCEG 3 BCEH 1 BCF 1 BCG 1 BCH 1 BD 114 BDE 83 BDEF 7 BDEG 1 BDF 3 BDG 6 BDGH 1 BDH 1 BE 187 BEF 11 BEFH 3 BEG 1 BEH 7 BF 7 BG 3 BH 17 C 1144 CD 286 CDE 264 CDEF 40 CDEFG 2 CDEFH 2 CDEG 8 CDEH 10 CDF 10 CDG 2 CDH 5 CE 379 CEF 23 CEFG 2 CEG 4 CEH 37 CF 17 CFG 1 CG 1 CH 55 D 952 DE 526 DEF 78 DEFG 2 DEFH 2 DEG 9 DEH 24 DF 22 DG 4 DH 33 E 1710 EF 117 EFG 1 EG 12 EGH 2 EH 140 EI 2 F 88 FG 3 FH 2 G 22 H 421 HI 1 I 4443 H.30_S Specify impact. 121 0 "Cant go to school". 1 Business recently opened as all bars were closed 1 CANNOT GET LOAN 1 CHILDREN NO LONGER GO TO SCHOOL 1 1 Closed Schools 1 ECONOMY IS BAD HENCE RISE IN FOOD PRICE 1 Fear of getting sick 1 GOING TO SCHOOL LESS 1 High price of commodite 1 LOST PREVIOUS JOB 1 Limit travelling to outside countries 1 Social distance 2 WEARING MASKS MAKES BREATHING DIFFICULT 1 alot of things became expensive 1 business is now slow 1 business is slow 1 can not go to school 1 can't go to school 1 can't walk without a face mask 1 cant find a job 1 cant find piece works 1 cant go out of the country 1 cant go to school 2 cant go yo job hunt./ price food went up 1 cant go yo school 1 caused too much restrictions 1 change in economy. expensive 1 chidren stopped going to school 1 children don't go to school 1 children unable to go to school 1 closed school 2 closed schools 2 closed schools and no monthly allowance 1 clsed restraunt 1 could not go to school 2 couldn't buy stocks 1 couldn't go to school 1 disturb her school 1 doesn't go to 1 failure to find a job, couldn't go to school 1 father doesnt give pocket money 1 goods and services are now expensive 1 goods became expensive 1 her and her family are scared of leaving the house 1 her education. 1 honey business 1 household goods have become so expensive 1 husband not getting enough money 1 i cant proceed with my studies 1 i had to stop going to school 1 i stopped going to work 1 it did't affected me 1 it kills people 1 just sit at home 1 just stay home with nothing to do 1 limitations with work 1 limited movement 1 loss of business to my husband 1 money difficult to find 1 money is now hard to find 1 movements are limited 1 mum having difficulties in feeding us 1 my Taxi business went down people were not moving 1 my business lost track (worsened) 1 my business went down because were not moving 1 my busniess has gone down 1 my bussiness has gone down 1 my job was put on hood 1 my kids stopped going to school 2 my transport went down but was still running 1 no enough money at home 1 no more school 1 no peace in our lives anxiety 1 no visiting 1 none 1 not going to school for so long 1 prices have risen. 1 prices of food went up 1 prices of goods have gone higher 1 prices of groceries have gone higher 1 prices of things are too high 1 programs were disturbed 1 restrictions at place of work 1 school 3 school has been affected 1 school was closed 1 school was disturbed 1 schools are closed 1 schools being closed 1 schools closed 2 schools, our children have lost in education 1 slow business 1 stop going to school 1 stopped going to school 2 stopped going yo school 1 stopped working full time 1 stuck at home 1 the budget has been affected 1 the cost of living has gone up 1 the economy is bad 1 things are expensive 2 things became expensive 1 things have become so expensive 1 was put on hold by employer 1 we cant breath well 1 we closed schools and my education was disturbed 1 we dont have where to get income from 1 workshops and congregation 1 worried about family's healthy 1 H.31 What are you doing or have you done to cope with the impact of Covid-19? 5916 6865 1 Proceed 5916 Sysmiss 6865 H.31.1 Claimed Insurance 5916 6865 1 Yes 23 2 No 5893 Sysmiss 6865 H.31.2 Cut down expenses 5916 6865 1 Yes 2924 2 No 2992 Sysmiss 6865 H.31.3 Used savings 5916 6865 1 Yes 1900 2 No 4016 Sysmiss 6865 H.31.4 Relied on money from family 5916 6865 1 Yes 1499 2 No 4417 Sysmiss 6865 H.31.5 Missed a loan repayment(s) 5916 6865 1 Yes 61 2 No 5855 Sysmiss 6865 H.31.6 Borrowed money from a bank 5916 6865 1 Yes 33 2 No 5883 Sysmiss 6865 H.31.7 Borrowed money from non-bank financial institutions 5916 6865 1 Yes 65 2 No 5851 Sysmiss 6865 H.31.8 Borrowed money from Savings group, village bank or chilimba 5916 6865 1 Yes 189 2 No 5727 Sysmiss 6865 H.31.9 Borrowed money from moneylender 5916 6865 1 Yes 81 2 No 5835 Sysmiss 6865 H.31.10 Sold something to get money 5916 6865 1 Yes 666 2 No 5250 Sysmiss 6865 H.31.11 Had loan differed 5916 6865 1 Yes 20 2 No 5896 Sysmiss 6865 H.31.12 Nothing 5916 6865 1 Yes 1325 2 No 4591 Sysmiss 6865 H.31.13 Other 5915 6866 1 Yes 47 2 No 5868 Sysmiss 6866 H.31.13 Specify 47 0 CONTINUE TO DO EXTRA WORK 1 FOUND A NEW JOB 1 Prayed To God 1 always staying at home 1 borrowed from friends 1 borrowed money 1 borrowed money from friend 1 borrowed money from friends 1 business 1 continued to do more piece works 1 could not go school 1 did more piece works 1 did piece work 1 did some piece work 1 economy 1 farming 1 following guid rules 1 following heath guidelines 1 found some pecie work 1 had to look for more work 1 just doing piece work 1 just stayed home 2 keeping clean 1 money from farm 1 my boyfriend helps me out 1 not attending school 1 nothing 1 piece work 3 piece works 1 reduce on buying 1 social distance made me not have money 1 stared the businss 1 started a business 2 started business 1 started doing piece works 1 started piece work 1 stayed home and tried to find another job 1 staying at home 1 washing hands and keeping social distance 1 we can nolonher turn to friends for finacial assis 1 work hard 1 work more 1 working hard to earn money(doing piece work) 1 H.32 How likely would you be to seek medical care for coronavirus if you had mil 0 12781 1 Very likely 0 2 Likely 0 3 Neutral 0 4 Not likely 0 5 Very unlikely 0 Sysmiss 12781 I.1 In the past 12 months, have you sent money to someone in a different place w 12699 82 1 Yes 2037 2 No 10662 Sysmiss 82 I1_S. Specify other sender/recepient 1495 0 'none" 1 ,00 1 0 23 00 10 000 2 1 1 100 3 120 1 1500 1 200 1 2000 1 250 1 300 1 400 1 50 2 500 1 500.00 1 5000 1 998 2 ? Lou I 8 1 Airtel Money 1 Airtel mobile money account 1 Aunty 1 Aunty and brothers 1 BANK 1 BY BUS 1 Brother 2 CHILIMBA GROUP 1 DID NOT SEND 1 DID NOT SEND MONEY 1 DID NOT SEND MONEY TO ANYONE ELSE 2 Did not 1 Did not send 2 Did not send any borrow 1 Did not send money 2 Did not send money to place holder 1 1 Dint know 1 FAMILY MEMBER 1 FRIENDS 1 1 I did not send money 1 I did not send money place holder 1 I didn't send to other 1 I only sent to a family member 1 I sent the money through a friend 1 MOBILE 2 MOBILE MONEY 12 MOBILE TRANSFER 4 MTN MOBIKE MONEY 1 MTN MOBILE 1 MTN MOBILE MONEY 3 MTN MOBILE MONEY TRANSFER 1 MTN MOBILE TRANSFER 3 Mobile 3 Mobile Money 1 Mobile money 2 Mobile money transfer only 1 Moblie Transfer 1 N/A 1 N/aA 1 NA 2 NEVEER SENT 1 NEVER SENT 1 NIL 3 NILL 4 NO 2 NO ONE 10 NO ONE ELSE 2 NO OTHER 6 NO OTHER TRANSFER 3 NO TRANSFER 1 NO WHERE 2 NON 24 NONE 40 NOT APPKICABLE 1 NOT APPLICABLE 8 NOT SURE 1 NOTAPPLICABLE 1 NOTHING 3 NOWHERE 1 Nil 8 No any means of transfer 1 No any transfer involved 1 No other transfer 3 No other transfer involved,only to a child. 1 Non 20 None 31 None of the above 1 Not Applicable 1 Not applicable 10 Nothing 3 Nothing its been answered 1 Nothing more 1 OTHER 10 PARENTS 1 RENTAL MONEY 1 SENT TO SISTER 1 SISTER 1 Sent School fees for the daughter 1 She didnt send the money 1 Sister 1 TOMATOES 1 TRANSPORT FEES 1 TRANSPORT MONEY 1 Through mobile phone 1 Through someone 1 Through the bank and mobile money 1 To settle case with the court 1 a cousin 1 a girlfriend 1 airtel mobile money 1 airtel money 2 ancle 1 aunt 1 aunty 1 bail money 1 bank 3 bank transfer 7 bank trasfer 2 because of not having enough money. 1 bhjj 1 brother 4 btrother 1 building matrials 1 business 3 business partners 1 buy giving some one to take for me 1 buy phones to sell 1 by cheque 1 by giving same one 1 by giving sameone 1 cant remember 1 cash 2 cash at hand 1 child 2 chilimba contribution 2 chisamba 1 clothes 1 congo 1 cousin 2 credit payment 1 daughter 2 did not 3 did not send 7 did not send money 1 did not send the money 1 did not send to anyone 1 did not send to other 1 did not sent anywere else 1 did not sent to anyone 1 did not use as any transfer 1 didn't send 2 didnt not send ro anyone 1 1 do not have the money 1 dont have 1 dont know 1 due to no money 1 e warat and mobile money 1 elder sister 1 emergency 1 extended 1 family takes it there 1 farming 1 father inlaw 1 for an emergency which he didnt mention 1 for medicen 1 1 for renting the house 1 for up keep 1 friend 5 friends 1 friends/family takes it there 1 funeral 1 gave her at hand (cash) 1 giving sameone to take for you 1 granma 1 hand cash 1 he did not do any other transfer 1 home usage 1 house rentals 1 huh 1 i did not have any 1 i did not send money to other 1 i did not send money to place order 1 i did not sent money to a place holder 1 i did not sent money to place holder 1 i didnt have money 1 i didnt place any order. 1 i dont have enough money 2 i dont know 1 i dont know were it is 1 i have not send money out side the country 1 i have not send to any 1 i just recived the money 1 1 i sent through a friend 1 if not 1 in a bus 1 in law 1 in low 1 internet baking 1 landlord 1 lusaka 1 medical expenses 1 mibile money transfer 1 mobil 2 mobil money 4 mobile 14 mobile airtel 1 mobile and bank transfer 1 mobile banking 1 mobile money 42 mobile money and bank transfer 1 mobile money and cash 1 mobile money tranfer 1 mobile money transfer 3 mobile mtn(transfer) 1 mobile phone 1 mobile phone transfer 1 mobile transactions 1 mobile transfer 5 mobine 1 moble money 2 moble phone 1 moblie money 2 moblie money transfer 1 moboile money transfer 1 mom 1 mombile money 1 mone 1 money 2 money not sent. 1 money trasfer 1 mother 3 mother and father 1 mtn 1 mtn mobile transfer 1 mtn moble money 3 mum 1 my best friends child 1 my gradmother 1 my in law 1 my niece 1 my sister 1 my younger brother 1 never send 1 never send money 1 never sent 2 nil 14 nill 3 no 33 no answer 2 no any other 2 no any othet transfer 1 no didndt have money 1 no e 1 no i did not 2 no idea 1 no money 4 no money sent 1 no need 1 no o 1 no one 8 no one borrowed money from me 1 no one else 2 no orders 1 no other 33 no other stransfers 1 no other transfer 29 no other transfers 2 no others 1 no othor transfers 1 no specification 2 no ther trasnsfer 1 no transfer 8 no transfers 2 no where 1 nom 1 non 95 non applicable 1 non of these 1 none 382 nono 2 nonother transactions 1 nonre 1 not 1 1 not aplicable 1 not apllicable 1 not app!icable 1 not applicabke 1 not applicable 79 not application 1 not applucable 1 not availablr 1 not sent 3 not sure 3 nothing 42 nothing else 2 nothing just mobile phone 1 nothing more 1 nothinh 2 nun 1 o 5 on other 1 only for school child 1 only mobole money 1 only sent to her brother 1 only sent to spouse 1 only sent to the brother 1 order items 1 own son 1 paying a debt 1 person can take the money to the destnation 1 personal use...i.e buying clothes 1 purchase of maize 1 received money 2 received money from my child 1 rental income 1 rentals 3 repaid debt 1 repayment of borrowed money 1 school fees 1 send money to a person 1 send money to repay loan borrowed from lending ins 1 send through mobile money 1 send to wife 1 sending a person 1 sending to my brother 1 sent money to brother 1 sent money to child 1 sent money to parents in chipata 1 sent moneyb to supplier 1 sent to a sister 1 sent to my niece 1 sent to the sister 1 siblings 1 sister 8 sister in law 1 sister inlaw 1 some i borrowed money from 1 someone went to deliver the cash 1 spouse 2 ssent money to daughter in lusaka 1 taken as cash to my mother 1 that is all 1 that's so 1 thats all 1 thats so 1 they just needed money 1 through 1 through a friends and family 1 through airtel money 1 through bussiness stock by bus 1 through mobile 3 through mobile money 7 through mobile money agent 2 through mobile phone 4 through moblie money and bank transfers 1 through phone 4 through send someone 1 through someone 1 through the bank 1 through the phone 1 through zoona 1 throungh mobile money 1 to aunt 1 to grand daughter 1 to my bother 1 to my brother 1 to my friend 1 to my sister 1 to my uncle 1 to the uncle 1 transport money 2 transport to travel to mansa 1 transportation to lusaka 1 uncle 3 using mobile money 1 wife 1 wifes parents 1 within zambia 1 zoona 3 zoona bank 1 TRANSFER.1: Transfer 3263 9518 1 Spouse 3263 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business I got goods/services from 0 7 Someone other than a friend/family member 0 8 School/university/college 0 9 Other 0 Sysmiss 9518 I2_1.1: I.2.1. Did you send money to ... in the past 12 months? 2028 10753 1 Yes 321 2 No 1707 Sysmiss 10753 I2_2.1: I.2.2 Where did you send the money to for ???.? 201 12580 1 Rural village 47 2 Urban community 151 3 Outside of Zambia 3 Sysmiss 12580 I2_3.1: I.2.3 How often did you send money to ???...? 201 12580 1 Weekly 14 2 Fortnightly 4 3 Monthly 65 4 Seasonally 13 5 Several times a year 18 6 Only once/ff Once a year 22 7 When you can 31 8 When they ask you to/in an emergency 34 Sysmiss 12580 I2_4.1: I.2.4 How do you mostly send the money to??.? 201 12580 1 Bank transfer/Pay into bank account 9 2 Through the Post Office 0 3 Through Western Union/Money gram/Swift cash 2 4 Through mobile phone 175 5 Send cell phone top-up/airtime vouchers 10 6 Bus/taxi driver takes it there 0 7 Friends or family takes it there 2 8 Other 3 Sysmiss 12580 I2_5.1: I.2.5 What is most of the money intended for that you send to ?..? 201 12580 1 Household use (food/clothing) 139 2 Education (school fees, transport, uniforms, books) 25 3 Farming expenses 2 4 Business expenses 15 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 2 9 Funeral expenses 2 10 Social event 2 11 Other 14 Sysmiss 12580 I5_1.1: I.5.1 Who did you receive money from in the past 12 months? Don?t read o 2334 10447 1 Yes 285 2 No 2049 Sysmiss 10447 I5_2.1: I.5.2 Where did ?. send the money from? 285 12496 1 Rural village 52 2 Urban community 227 3 Outside of Zambia 6 Sysmiss 12496 I5_3.1: I.5.3 How often does ? send you money? 285 12496 1 Weekly 19 2 Fortnightly 6 3 Monthly 99 4 Seasonally 37 5 Several times a year 39 6 Only once/ff Once a year 20 7 When you can 34 8 When they ask you to/in an emergency 31 Sysmiss 12496 I5_4.1: I.5.4 How does ? mostly send the money to you? 285 12496 1 Bank transfer/Pay into bank account 13 2 Through the Post Office 1 3 Through Western Union/Money gram/Swift cash 3 4 Through mobile phone 221 5 Send cell phone top-up/airtime vouchers 11 6 Bus/taxi driver brings it 2 7 Friends or family bring it 10 8 Other 24 Sysmiss 12496 I5_5.1: I.5.5 What do you use most of the money you receive for? 285 12496 1 Household use (food/clothing) 208 2 Education (school fees, transport, uniforms, books) 25 3 Farming expenses 6 4 Business expenses 23 5 Building/renovation/expansion 1 6 Purchase of land 1 7 Purchasing a house 0 8 Hospital/medical expenses 0 9 Funeral expenses 3 10 Social event 3 11 Other 15 Sysmiss 12496 TRANSFER.2: Transfer 3263 9518 1 Spouse 0 2 Child 3263 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business I got goods/services from 0 7 Someone other than a friend/family member 0 8 School/university/college 0 9 Other 0 Sysmiss 9518 I2_1.2: I.2.1. Did you send money to ... in the past 12 months? 2028 10753 1 Yes 372 2 No 1656 Sysmiss 10753 I2_2.2: I.2.2 Where did you send the money to for ???.? 236 12545 1 Rural village 42 2 Urban community 191 3 Outside of Zambia 3 Sysmiss 12545 I2_3.2: I.2.3 How often did you send money to ???...? 236 12545 1 Weekly 5 2 Fortnightly 2 3 Monthly 85 4 Seasonally 20 5 Several times a year 21 6 Only once/ff Once a year 20 7 When you can 41 8 When they ask you to/in an emergency 42 Sysmiss 12545 I2_4.2: I.2.4 How do you mostly send the money to??.? 236 12545 1 Bank transfer/Pay into bank account 4 2 Through the Post Office 1 3 Through Western Union/Money gram/Swift cash 3 4 Through mobile phone 206 5 Send cell phone top-up/airtime vouchers 11 6 Bus/taxi driver takes it there 1 7 Friends or family takes it there 8 8 Other 2 Sysmiss 12545 I2_5.2: I.2.5 What is most of the money intended for that you send to ?..? 236 12545 1 Household use (food/clothing) 73 2 Education (school fees, transport, uniforms, books) 144 3 Farming expenses 0 4 Business expenses 4 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 6 9 Funeral expenses 0 10 Social event 1 11 Other 8 Sysmiss 12545 I5_1.2: I.5.1 Who did you receive money from in the past 12 months? Don?t read o 2334 10447 1 Yes 350 2 No 1984 Sysmiss 10447 I5_2.2: I.5.2 Where did ?. send the money from? 350 12431 1 Rural village 39 2 Urban community 301 3 Outside of Zambia 10 Sysmiss 12431 I5_3.2: I.5.3 How often does ? send you money? 350 12431 1 Weekly 2 2 Fortnightly 1 3 Monthly 100 4 Seasonally 47 5 Several times a year 54 6 Only once/ff Once a year 34 7 When you can 60 8 When they ask you to/in an emergency 52 Sysmiss 12431 I5_4.2: I.5.4 How does ? mostly send the money to you? 350 12431 1 Bank transfer/Pay into bank account 10 2 Through the Post Office 5 3 Through Western Union/Money gram/Swift cash 5 4 Through mobile phone 243 5 Send cell phone top-up/airtime vouchers 20 6 Bus/taxi driver brings it 2 7 Friends or family bring it 59 8 Other 6 Sysmiss 12431 I5_5.2: I.5.5 What do you use most of the money you receive for? 350 12431 1 Household use (food/clothing) 250 2 Education (school fees, transport, uniforms, books) 15 3 Farming expenses 40 4 Business expenses 10 5 Building/renovation/expansion 5 6 Purchase of land 1 7 Purchasing a house 0 8 Hospital/medical expenses 21 9 Funeral expenses 1 10 Social event 0 11 Other 7 Sysmiss 12431 TRANSFER.3: Transfer 3263 9518 1 Spouse 0 2 Child 0 3 Parent 3263 4 Other family member 0 5 Friend 0 6 Business I got goods/services from 0 7 Someone other than a friend/family member 0 8 School/university/college 0 9 Other 0 Sysmiss 9518 I2_1.3: I.2.1. Did you send money to ... in the past 12 months? 2028 10753 1 Yes 742 2 No 1286 Sysmiss 10753 I2_2.3: I.2.2 Where did you send the money to for ???.? 509 12272 1 Rural village 261 2 Urban community 241 3 Outside of Zambia 7 Sysmiss 12272 I2_3.3: I.2.3 How often did you send money to ???...? 509 12272 1 Weekly 3 2 Fortnightly 4 3 Monthly 157 4 Seasonally 52 5 Several times a year 57 6 Only once/ff Once a year 37 7 When you can 137 8 When they ask you to/in an emergency 62 Sysmiss 12272 I2_4.3: I.2.4 How do you mostly send the money to??.? 509 12272 1 Bank transfer/Pay into bank account 10 2 Through the Post Office 0 3 Through Western Union/Money gram/Swift cash 4 4 Through mobile phone 438 5 Send cell phone top-up/airtime vouchers 21 6 Bus/taxi driver takes it there 9 7 Friends or family takes it there 19 8 Other 8 Sysmiss 12272 I2_5.3: I.2.5 What is most of the money intended for that you send to ?..? 509 12272 1 Household use (food/clothing) 400 2 Education (school fees, transport, uniforms, books) 13 3 Farming expenses 44 4 Business expenses 6 5 Building/renovation/expansion 5 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 16 9 Funeral expenses 4 10 Social event 3 11 Other 18 Sysmiss 12272 I5_1.3: I.5.1 Who did you receive money from in the past 12 months? Don?t read o 2334 10447 1 Yes 330 2 No 2004 Sysmiss 10447 I5_2.3: I.5.2 Where did ?. send the money from? 330 12451 1 Rural village 100 2 Urban community 225 3 Outside of Zambia 5 Sysmiss 12451 I5_3.3: I.5.3 How often does ? send you money? 330 12451 1 Weekly 2 2 Fortnightly 7 3 Monthly 83 4 Seasonally 42 5 Several times a year 28 6 Only once/ff Once a year 48 7 When you can 61 8 When they ask you to/in an emergency 59 Sysmiss 12451 I5_4.3: I.5.4 How does ? mostly send the money to you? 330 12451 1 Bank transfer/Pay into bank account 14 2 Through the Post Office 2 3 Through Western Union/Money gram/Swift cash 4 4 Through mobile phone 254 5 Send cell phone top-up/airtime vouchers 21 6 Bus/taxi driver brings it 1 7 Friends or family bring it 25 8 Other 9 Sysmiss 12451 I5_5.3: I.5.5 What do you use most of the money you receive for? 330 12451 1 Household use (food/clothing) 165 2 Education (school fees, transport, uniforms, books) 87 3 Farming expenses 14 4 Business expenses 16 5 Building/renovation/expansion 4 6 Purchase of land 1 7 Purchasing a house 0 8 Hospital/medical expenses 4 9 Funeral expenses 2 10 Social event 5 11 Other 32 Sysmiss 12451 TRANSFER.4: Transfer 3263 9518 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 3263 5 Friend 0 6 Business I got goods/services from 0 7 Someone other than a friend/family member 0 8 School/university/college 0 9 Other 0 Sysmiss 9518 I2_1.4: I.2.1. Did you send money to ... in the past 12 months? 2028 10753 1 Yes 923 2 No 1105 Sysmiss 10753 I2_2.4: I.2.2 Where did you send the money to for ???.? 594 12187 1 Rural village 170 2 Urban community 411 3 Outside of Zambia 13 Sysmiss 12187 I2_3.4: I.2.3 How often did you send money to ???...? 594 12187 1 Weekly 4 2 Fortnightly 7 3 Monthly 66 4 Seasonally 71 5 Several times a year 53 6 Only once/ff Once a year 110 7 When you can 153 8 When they ask you to/in an emergency 130 Sysmiss 12187 I2_4.4: I.2.4 How do you mostly send the money to??.? 593 12188 1 Bank transfer/Pay into bank account 11 2 Through the Post Office 1 3 Through Western Union/Money gram/Swift cash 7 4 Through mobile phone 521 5 Send cell phone top-up/airtime vouchers 21 6 Bus/taxi driver takes it there 2 7 Friends or family takes it there 19 8 Other 11 Sysmiss 12188 I2_5.4: I.2.5 What is most of the money intended for that you send to ?..? 593 12188 1 Household use (food/clothing) 298 2 Education (school fees, transport, uniforms, books) 116 3 Farming expenses 31 4 Business expenses 26 5 Building/renovation/expansion 2 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 25 9 Funeral expenses 8 10 Social event 19 11 Other 68 Sysmiss 12188 I5_1.4: I.5.1 Who did you receive money from in the past 12 months? Don?t read o 2334 10447 1 Yes 1092 2 No 1242 Sysmiss 10447 I5_2.4: I.5.2 Where did ?. send the money from? 1092 11689 1 Rural village 127 2 Urban community 938 3 Outside of Zambia 27 Sysmiss 11689 I5_3.4: I.5.3 How often does ? send you money? 1092 11689 1 Weekly 6 2 Fortnightly 11 3 Monthly 117 4 Seasonally 179 5 Several times a year 137 6 Only once/ff Once a year 257 7 When you can 168 8 When they ask you to/in an emergency 217 Sysmiss 11689 I5_4.4: I.5.4 How does ? mostly send the money to you? 1092 11689 1 Bank transfer/Pay into bank account 26 2 Through the Post Office 6 3 Through Western Union/Money gram/Swift cash 14 4 Through mobile phone 872 5 Send cell phone top-up/airtime vouchers 67 6 Bus/taxi driver brings it 7 7 Friends or family bring it 74 8 Other 26 Sysmiss 11689 I5_5.4: I.5.5 What do you use most of the money you receive for? 1092 11689 1 Household use (food/clothing) 634 2 Education (school fees, transport, uniforms, books) 136 3 Farming expenses 74 4 Business expenses 79 5 Building/renovation/expansion 12 6 Purchase of land 3 7 Purchasing a house 0 8 Hospital/medical expenses 39 9 Funeral expenses 13 10 Social event 23 11 Other 79 Sysmiss 11689 TRANSFER.5: Transfer 3263 9518 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 3263 6 Business I got goods/services from 0 7 Someone other than a friend/family member 0 8 School/university/college 0 9 Other 0 Sysmiss 9518 I2_1.5: I.2.1. Did you send money to ... in the past 12 months? 2027 10754 1 Yes 462 2 No 1565 Sysmiss 10754 I2_2.5: I.2.2 Where did you send the money to for ???.? 271 12510 1 Rural village 33 2 Urban community 230 3 Outside of Zambia 8 Sysmiss 12510 I2_3.5: I.2.3 How often did you send money to ???...? 271 12510 1 Weekly 1 2 Fortnightly 0 3 Monthly 26 4 Seasonally 25 5 Several times a year 22 6 Only once/ff Once a year 59 7 When you can 61 8 When they ask you to/in an emergency 77 Sysmiss 12510 I2_4.5: I.2.4 How do you mostly send the money to??.? 271 12510 1 Bank transfer/Pay into bank account 12 2 Through the Post Office 1 3 Through Western Union/Money gram/Swift cash 2 4 Through mobile phone 234 5 Send cell phone top-up/airtime vouchers 13 6 Bus/taxi driver takes it there 0 7 Friends or family takes it there 2 8 Other 7 Sysmiss 12510 I2_5.5: I.2.5 What is most of the money intended for that you send to ?..? 271 12510 1 Household use (food/clothing) 121 2 Education (school fees, transport, uniforms, books) 15 3 Farming expenses 2 4 Business expenses 35 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 4 9 Funeral expenses 5 10 Social event 20 11 Other 69 Sysmiss 12510 I5_1.5: I.5.1 Who did you receive money from in the past 12 months? Don?t read o 2334 10447 1 Yes 536 2 No 1798 Sysmiss 10447 I5_2.5: I.5.2 Where did ?. send the money from? 536 12245 1 Rural village 60 2 Urban community 461 3 Outside of Zambia 15 Sysmiss 12245 I5_3.5: I.5.3 How often does ? send you money? 536 12245 1 Weekly 8 2 Fortnightly 12 3 Monthly 47 4 Seasonally 92 5 Several times a year 72 6 Only once/ff Once a year 105 7 When you can 81 8 When they ask you to/in an emergency 119 Sysmiss 12245 I5_4.5: I.5.4 How does ? mostly send the money to you? 536 12245 1 Bank transfer/Pay into bank account 21 2 Through the Post Office 0 3 Through Western Union/Money gram/Swift cash 8 4 Through mobile phone 439 5 Send cell phone top-up/airtime vouchers 31 6 Bus/taxi driver brings it 0 7 Friends or family bring it 22 8 Other 15 Sysmiss 12245 I5_5.5: I.5.5 What do you use most of the money you receive for? 536 12245 1 Household use (food/clothing) 268 2 Education (school fees, transport, uniforms, books) 33 3 Farming expenses 26 4 Business expenses 74 5 Building/renovation/expansion 5 6 Purchase of land 1 7 Purchasing a house 1 8 Hospital/medical expenses 8 9 Funeral expenses 6 10 Social event 39 11 Other 75 Sysmiss 12245 TRANSFER.6: Transfer 3262 9519 1 Spouse 0 2 Child 0 3 Parent 0 4 Other family member 0 5 Friend 0 6 Business I got goods/services from 3262 7 Someone other than a friend/family member 0 8 School/university/college 0 9 Other 0 Sysmiss 9519 I2_1.6: I.2.1. Did you send money to ... in the past 12 months? 2027 10754 1 Yes 142 2 No 1885 Sysmiss 10754 I2_2.6: I.2.2 Where did you send the money to for ???.? 79 12702 1 Rural village 6 2 Urban community 67 3 Outside of Zambia 6 Sysmiss 12702 I2_3.6: I.2.3 How often did you send money to ???...? 79 12702 1 Weekly 6 2 Fortnightly 3 3 Monthly 25 4 Seasonally 6 5 Several times a year 18 6 Only once/ff Once a year 10 7 When you can 8 8 When they ask you to/in an emergency 3 Sysmiss 12702 I2_4.6: I.2.4 How do you mostly send the money to??.? 79 12702 1 Bank transfer/Pay into bank account 14 2 Through the Post Office 1 3 Through Western Union/Money gram/Swift cash 1 4 Through mobile phone 56 5 Send cell phone top-up/airtime vouchers 5 6 Bus/taxi driver takes it there 0 7 Friends or family takes it there 0 8 Other 2 Sysmiss 12702 I2_5.6: I.2.5 What is most of the money intended for that you send to ?..? 79 12702 1 Household use (food/clothing) 2 2 Education (school fees, transport, uniforms, books) 1 3 Farming expenses 0 4 Business expenses 72 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 1 9 Funeral expenses 0 10 Social event 0 11 Other 3 Sysmiss 12702 I5_1.6: I.5.1 Who did you receive money from in the past 12 months? Don?t read o 2334 10447 1 Yes 180 2 No 2154 Sysmiss 10447 I5_2.6: I.5.2 Where did ?. send the money from? 180 12601 1 Rural village 19 2 Urban community 156 3 Outside of Zambia 5 Sysmiss 12601 I5_3.6: I.5.3 How often does ? send you money? 180 12601 1 Weekly 20 2 Fortnightly 3 3 Monthly 51 4 Seasonally 24 5 Several times a year 23 6 Only once/ff Once a year 26 7 When you can 24 8 When they ask you to/in an emergency 9 Sysmiss 12601 I5_4.6: I.5.4 How does ? mostly send the money to you? 180 12601 1 Bank transfer/Pay into bank account 11 2 Through the Post Office 0 3 Through Western Union/Money gram/Swift cash 2 4 Through mobile phone 146 5 Send cell phone top-up/airtime vouchers 6 6 Bus/taxi driver brings it 1 7 Friends or family bring it 9 8 Other 5 Sysmiss 12601 I5_5.6: I.5.5 What do you use most of the money you receive for? 180 12601 1 Household use (food/clothing) 41 2 Education (school fees, transport, uniforms, books) 6 3 Farming expenses 8 4 Business expenses 112 5 Building/renovation/expansion 6 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 7 Sysmiss 12601 TRANSFER.7: Transfer 3262 9519 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 other than a friend/family member 3262 8 School/university/college 0 9 Other 0 Sysmiss 9519 I2_1.7: I.2.1. Did you send money to ... in the past 12 months? 2027 10754 1 Yes 117 2 No 1910 Sysmiss 10754 I2_2.7: I.2.2 Where did you send the money to for ???.? 45 12736 1 Rural village 6 2 Urban community 39 3 Outside of Zambia 0 Sysmiss 12736 I2_3.7: I.2.3 How often did you send money to ???...? 45 12736 1 Weekly 1 2 Fortnightly 0 3 Monthly 8 4 Seasonally 7 5 Several times a year 4 6 Only once/ff Once a year 14 7 When you can 6 8 When they ask you to/in an emergency 5 Sysmiss 12736 I2_4.7: I.2.4 How do you mostly send the money to??.? 45 12736 1 Bank transfer/Pay into bank account 5 2 Through the Post Office 0 3 Through Western Union/Money gram/Swift cash 0 4 Through mobile phone 38 5 Send cell phone top-up/airtime vouchers 1 6 Bus/taxi driver takes it there 0 7 Friends or family takes it there 0 8 Other 1 Sysmiss 12736 I2_5.7: I.2.5 What is most of the money intended for that you send to ?..? 45 12736 1 Household use (food/clothing) 17 2 Education (school fees, transport, uniforms, books) 2 3 Farming expenses 1 4 Business expenses 13 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 12 Sysmiss 12736 I5_1.7: I.5.1 Who did you receive money from in the past 12 months? Don?t read o 2334 10447 1 Yes 158 2 No 2176 Sysmiss 10447 I5_2.7: I.5.2 Where did ?. send the money from? 158 12623 1 Rural village 41 2 Urban community 117 3 Outside of Zambia 0 Sysmiss 12623 I5_3.7: I.5.3 How often does ? send you money? 158 12623 1 Weekly 6 2 Fortnightly 0 3 Monthly 31 4 Seasonally 22 5 Several times a year 16 6 Only once/ff Once a year 50 7 When you can 21 8 When they ask you to/in an emergency 12 Sysmiss 12623 I5_4.7: I.5.4 How does ? mostly send the money to you? 158 12623 1 Bank transfer/Pay into bank account 8 2 Through the Post Office 0 3 Through Western Union/Money gram/Swift cash 0 4 Through mobile phone 94 5 Send cell phone top-up/airtime vouchers 15 6 Bus/taxi driver brings it 0 7 Friends or family bring it 16 8 Other 25 Sysmiss 12623 I5_5.7: I.5.5 What do you use most of the money you receive for? 158 12623 1 Household use (food/clothing) 65 2 Education (school fees, transport, uniforms, books) 4 3 Farming expenses 10 4 Business expenses 54 5 Building/renovation/expansion 5 6 Purchase of land 1 7 Purchasing a house 0 8 Hospital/medical expenses 0 9 Funeral expenses 1 10 Social event 3 11 Other 15 Sysmiss 12623 TRANSFER.8: Transfer 3262 9519 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 other than a friend/family member 0 8 School/university/college 3262 9 Other 0 Sysmiss 9519 I2_1.8: I.2.1. Did you send money to ... in the past 12 months? 2027 10754 1 Yes 49 2 No 1978 Sysmiss 10754 I2_2.8: I.2.2 Where did you send the money to for ???.? 31 12750 1 Rural village 6 2 Urban community 24 3 Outside of Zambia 1 Sysmiss 12750 I2_3.8: I.2.3 How often did you send money to ???...? 31 12750 1 Weekly 3 2 Fortnightly 0 3 Monthly 15 4 Seasonally 4 5 Several times a year 1 6 Only once/ff Once a year 5 7 When you can 1 8 When they ask you to/in an emergency 2 Sysmiss 12750 I2_4.8: I.2.4 How do you mostly send the money to??.? 31 12750 1 Bank transfer/Pay into bank account 5 2 Through the Post Office 0 3 Through Western Union/Money gram/Swift cash 0 4 Through mobile phone 22 5 Send cell phone top-up/airtime vouchers 3 6 Bus/taxi driver takes it there 0 7 Friends or family takes it there 1 8 Other 0 Sysmiss 12750 I2_5.8: I.2.5 What is most of the money intended for that you send to ?..? 31 12750 1 Household use (food/clothing) 9 2 Education (school fees, transport, uniforms, books) 0 3 Farming expenses 2 4 Business expenses 9 5 Building/renovation/expansion 1 6 Purchase of land 0 7 Purchasing a house 1 8 Hospital/medical expenses 0 9 Funeral expenses 0 10 Social event 0 11 Other 9 Sysmiss 12750 I5_1.8: I.5.1 Who did you receive money from in the past 12 months? Don?t read o 2334 10447 1 Yes 5 2 No 2329 Sysmiss 10447 I5_2.8: I.5.2 Where did ?. send the money from? 5 12776 1 Rural village 0 2 Urban community 5 3 Outside of Zambia 0 Sysmiss 12776 I5_3.8: I.5.3 How often does ? send you money? 5 12776 1 Weekly 0 2 Fortnightly 0 3 Monthly 4 4 Seasonally 0 5 Several times a year 0 6 Only once/ff Once a year 1 7 When you can 0 8 When they ask you to/in an emergency 0 Sysmiss 12776 I5_4.8: I.5.4 How does ? mostly send the money to you? 5 12776 1 Bank transfer/Pay into bank account 1 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 0 8 Other 1 Sysmiss 12776 I5_5.8: I.5.5 What do you use most of the money you receive for? 5 12776 1 Household use (food/clothing) 3 2 Education (school fees, transport, uniforms, books) 0 3 Farming expenses 0 4 Business expenses 1 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 1 Sysmiss 12776 TRANSFER.9: Transfer 3262 9519 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 other than a friend/family member 0 8 School/university/college 0 9 Other 3262 Sysmiss 9519 I2_1.9: I.2.1. Did you send money to ... in the past 12 months? 2026 10755 1 Yes 97 2 No 1929 Sysmiss 10755 I2_2.9: I.2.2 Where did you send the money to for ???.? 36 12745 1 Rural village 9 2 Urban community 27 3 Outside of Zambia 0 Sysmiss 12745 I2_3.9: I.2.3 How often did you send money to ???...? 36 12745 1 Weekly 2 2 Fortnightly 0 3 Monthly 7 4 Seasonally 5 5 Several times a year 2 6 Only once/ff Once a year 7 7 When you can 6 8 When they ask you to/in an emergency 7 Sysmiss 12745 I2_4.9: I.2.4 How do you mostly send the money to??.? 36 12745 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 33 5 Send cell phone top-up/airtime vouchers 1 6 Bus/taxi driver takes it there 0 7 Friends or family takes it there 1 8 Other 1 Sysmiss 12745 I2_5.9: I.2.5 What is most of the money intended for that you send to ?..? 36 12745 1 Household use (food/clothing) 14 2 Education (school fees, transport, uniforms, books) 5 3 Farming expenses 3 4 Business expenses 1 5 Building/renovation/expansion 0 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 0 9 Funeral expenses 2 10 Social event 0 11 Other 11 Sysmiss 12745 I5_1.9: I.5.1 Who did you receive money from in the past 12 months? Don?t read o 2334 10447 1 Yes 72 2 No 2262 Sysmiss 10447 I5_2.9: I.5.2 Where did ?. send the money from? 72 12709 1 Rural village 14 2 Urban community 56 3 Outside of Zambia 2 Sysmiss 12709 I5_3.9: I.5.3 How often does ? send you money? 72 12709 1 Weekly 4 2 Fortnightly 0 3 Monthly 21 4 Seasonally 11 5 Several times a year 5 6 Only once/ff Once a year 13 7 When you can 12 8 When they ask you to/in an emergency 6 Sysmiss 12709 I5_4.9: I.5.4 How does ? mostly send the money to you? 72 12709 1 Bank transfer/Pay into bank account 4 2 Through the Post Office 1 3 Through Western Union/Money gram/Swift cash 2 4 Through mobile phone 47 5 Send cell phone top-up/airtime vouchers 6 6 Bus/taxi driver brings it 0 7 Friends or family bring it 6 8 Other 6 Sysmiss 12709 I5_5.9: I.5.5 What do you use most of the money you receive for? 72 12709 1 Household use (food/clothing) 48 2 Education (school fees, transport, uniforms, books) 5 3 Farming expenses 1 4 Business expenses 6 5 Building/renovation/expansion 1 6 Purchase of land 0 7 Purchasing a house 0 8 Hospital/medical expenses 1 9 Funeral expenses 1 10 Social event 1 11 Other 8 Sysmiss 12709 I.3.1 The last time you sent money outside Zambia, which country did you send th 2035 10746 0 999 0 None (Have not sent) 1060 4 Afghanistan 6 8 Albania 5 12 Algeria 5 20 Andorra 0 24 Angola 5 28 Antigua and Barbuda 0 31 Azerbaijan 0 32 Argentina 0 36 Australia 0 40 Austria 0 44 Bahamas 0 48 Bahrain 0 50 Bangladesh 2 51 Armenia 0 52 Barbados 0 56 Belgium 0 64 Bhutan 0 68 Bolivia 0 70 Bosnia & Herzegovina 1 72 Botswana 7 76 Brazil 0 84 Belize 0 90 Solomon Islands 0 96 Brunei 0 100 Bulgaria 0 104 Myanmar 0 108 Burundi 1 112 Belarus 0 116 Cambodia 0 120 Cameroon 0 124 Canada 1 132 Cabo Verde 0 140 Central African Republic 0 144 Sri Lanka 0 148 Chad 0 152 Chile 0 156 China 6 170 Colombia 0 174 Comoros 1 178 Congo 3 180 DR Congo 2 188 Costa Rica 0 191 Croatia 0 192 Cuba 0 196 Cyprus 0 203 Czech Republic 0 204 Benin 0 208 Denmark 0 212 Dominica 0 214 Dominican Republic 0 218 Ecuador 0 222 El Salvador 0 226 Equatorial Guinea 0 231 Ethiopia 0 232 Eritrea 0 233 Estonia 0 242 Fiji 0 246 Finland 0 250 France 0 262 Djibouti 0 266 Gabon 0 268 Georgia 0 270 Gambia 0 275 State of Palestine 0 276 Germany 0 288 Ghana 0 296 Kiribati 0 300 Greece 0 308 Grenada 0 320 Guatemala 0 324 Guinea 0 328 Guyana 0 332 Haiti 0 336 Vatican 0 340 Honduras 0 348 Hungary 0 352 Iceland 0 356 India 1 360 Indonesia 0 364 Iran 0 368 Iraq 0 372 Ireland 0 376 Israel 0 380 Italy 0 384 CÃƒÂ´te d'Ivoire 0 388 Jamaica 0 392 Japan 2 398 Kazakhstan 0 400 Jordan 0 404 Kenya 6 408 North Korea 0 410 South Korea 0 414 Kuwait 0 417 Kyrgyzstan 0 418 Lao People's Democratic Republic 0 422 Lebanon 0 426 Lesotho 0 428 Latvia 0 430 Liberia 0 434 Libya 0 438 Liechtenstein 0 440 Lithuania 0 442 Luxembourg 0 450 Madagascar 0 454 Malawi 9 458 Malaysia 1 462 Maldives 0 466 Mali 0 470 Malta 0 478 Mauritania 0 480 Mauritius 1 484 Mexico 1 492 Monaco 0 496 Mongolia 0 498 Moldova 0 499 Montenegro 0 504 Morocco 1 508 Mozambique 1 512 Oman 0 516 Namibia 5 520 Nauru 0 524 Nepal 0 528 Netherlands 0 548 Vanuatu 0 554 New Zealand 0 558 Nicaragua 0 562 Niger 0 566 Nigeria 0 578 Norway 0 583 Micronesia 0 584 Marshall Islands 0 585 Palau 0 586 Pakistan 0 591 Panama 0 598 Papua New Guinea 0 600 Paraguay 0 604 Peru 0 608 Philippines 0 616 Poland 0 620 Portugal 0 624 Guinea-Bissau 0 626 Timor-Leste 0 634 Qatar 0 642 Romania 0 643 Russia 1 646 Rwanda 1 659 Saint Kitts & Nevis 0 662 Saint Lucia 0 670 St. Vincent & Grenadines 0 674 San Marino 0 678 Sao Tome & Principe 0 682 Saudi Arabia 0 686 Senegal 0 688 Serbia 0 690 Seychelles 0 694 Sierra Leone 0 702 Singapore 0 703 Slovakia 0 704 Viet Nam 0 705 Slovenia 0 706 Somalia 0 710 South Africa 13 716 Zimbabwe 13 724 Spain 0 728 South Sudan 0 729 Sudan 0 740 Suriname 0 748 Eswatini (Swaziland) 0 752 Sweden 0 756 Switzerland 0 760 Syria 0 762 Tajikistan 0 764 Thailand 0 768 Togo 0 776 Tonga 0 780 Trinidad and Tobago 0 784 United Arab Emirates 0 788 Tunisia 0 792 Turkey 0 795 Turkmenistan 0 798 Tuvalu 0 800 Uganda 0 804 Ukraine 0 807 North Macedonia 0 818 Egypt 1 826 UK 1 834 Tanzania 6 840 USA 5 854 Burkina Faso 0 858 Uruguay 1 860 Uzbekistan 0 862 Venezuela 0 882 Samoa 0 887 Yemen 0 999 Other 860 I.3.1_S. Specify where 804 0 0 2 00 2 000 1 120 1 CHELENGE 1 CHINGOLA 1 DID NOT SEND MONEY 4 DID NOT SEND MONEY OUTSIDE THE COUNTRY 2 DID NOT SEND MONEY OUTSIDE ZAMBIA 1 DID NOT SEND MONEY SKIP NOT WORKING 1 DID NOT SEND OUTSIDE THE COUNTRY 1 DID NOT SEND OUTSIDE ZAMBIA 2 DID NOT SEND TO ANYONE OUTSIDE ZAMBIA 1 DUBAI 1 Did not send 3 Did not send money 3 Did not send money outside Zambia 1 Did not send outside Zambia 1 Did not send to any other 1 Didnt send any money outside zambia 1 Didnt send anywhere 1 Disnt send any money outside zambia 1 HAS NOT SENT MONEY OUTSIDE ZAMBIA 1 I didnt send outside zambia 1 It was within zambia 2 Jamu 1 KASAMA 1 Kasama Zambia 1 Kawambwa Zambia 1 LUSAKA 2 Local 2 Lusaka 2 1 Lusaka zambia 1 MOBILE MONEY 1 Maamba 1 Mazabuka 1 Money was sent within Zambia to Mufulira. 1 Monze 1 N/A 1 NDOLA 1 NEVER SENT MONEY OUT OF THE COUNTRY 1 NEVER SENT MONEY OUT OUT OF THE COUNTRY 1 NEVER SENT MONEY OUTSIDE THE COUNTRY 1 NEVER. SENT MONEY OUTSIDE THE COUNTRY 1 NIL 1 NO 2 NO OUTSIDE SENDING 1 NO SKIP INSTRUCTION 3 NO WHERE 2 NON 2 NON OF THE ABOVE 2 NONE 6 NOT ANYWHERE 1 NOT APLICABLE 1 NOT APPLICABLE 3 NOT SENT OUTSIDE ZAMBIA 1 NOWHERE 2 Ndola 1 No country 1 No sending 1 No where 1 Non 7 None 4 Not Aplicable 1 Not Appliable 1 Not Applicable 13 Not applicable 8 Not applicable, within zambia 1 Not outside 1 Nothing 1 RURAL 2 Respondent didnt send money outside Zambia 1 Respondent didnt send money outside zambia 1 SOLWIZE 1 Sinazongwe 1 Tanzania 1 URBAN 2 URBAN KABWE TOWN 1 WITHIN ZAMBIA 6 Within Zambia 3 Within the country 1 ZAMBIA 19 ZAMBIA ONLY 1 Zambai 1 Zambia 35 Zambia,Kitwe 1 central africa republic 1 chifunabuli 1 chingola 1 chipata 1 chipata (katete) 1 choma 2 choma nachoongo 1 congo 1 did not send 4 did not send any money out of country 1 did not send money 1 did not send money outside 1 did not send money outside Zambia 1 did not send money outside country 1 did not send out of Zambia 1 did not send outside 1 did not send outside Zambia 1 did not send outside the country 2 did not send outside zambia 3 did not send to anyone outside the country 1 did not sendoutside zambia 1 did not sent money outside the country 1 did not t send 1 didn't send 2 didnt send 2 didnt send any money 1 didnt send out of country 1 didnt send outside 2 didnt send outside the country 2 didnt send outside zambia 1 does not recall 1 etezitezi 1 gweembe 1 have not sent money outside the country 1 have not sent out of the country 1 hfi 1 hjk 1 i did have any one to send to 1 i did not send any money 1 i have never sent money outside zambia 1 i have not sent to any one 1 i just sent to someone who is within the country 1 i only sent to my friend within zambia 1 idid not send money outside zambia 1 in mbala within zambia 1 in the country 1 in zambia 4 it is in Ndola within zambia 1 it's just zambia 1 its within zambia not outside 1 just in Zambia 1 just within zambia 3 kabwe 1 kafue town 1 kakaka village 1 kalomo 1 kapiri 1 kaputa 1 kasama 4 kasama and mbala 1 kasempa 1 kasempa, solwezi 1 kazungula 1 kitwe 6 kitwe zambia 1 kitwe, lusaka zambia 1 livingstone 1 livingstone zambia 1 local 1 luapula 2 lusaka 12 lusaka and kabwe 1 lusaka and mkushi 1 lusaka zambia 4 lusaka, solwezi, mbala, kasempa 1 maamba town 1 malundu zambia 1 mamba 1 mansa 3 mazabuka town 1 mkushi 1 mongu 1 monze 2 mpogwe 1 mpongwe zambia 1 mpulungu 3 mukingi 1 mununshi 1 nchelenge 1 ndola 1 never 3 never sent 5 never sent abroad 1 never sent any money 1 never sent any money outside 1 never sent money outside zambia 1 never sent outside Zambia 1 nil 6 nithing wass sent 1 no 7 no country outside Zambia 1 no money 1 no money was sent outside zsmbia(none) 1 no need 1 no one 1 no other transfer 1 no other transfet 1 no were 1 no where 14 no where outside zambia 1 non 23 non applicable 3 none 65 none of above 1 none of the above 2 nono 2 not applicable 28 not in outside zambia 1 not outside 3 not outside only within zambia 1 not outside zambia but within zambia and rural 1 not sent 1 not sent abroad 1 not sent money outside the country 1 note applicable 1 nothing 1 nowhere 10 only Zambia 1 only within zambia 1 samfya 1 sent within zambia 1 serenje 1 siavonga 1 sinda, zambia 1 siten 1 solwezi 9 solwezi to my child 1 solwezi zamabia 1 solwezi zambia 1 tanzania 1 the respondent didnot send money outside zambia 1 to little sister 1 urban community 1 with zambia 1 within 8 1 within country 1 within the country 3 within zambia 44 within zambia isoka 1 within zambia kasama 1 within zambia ndola 1 within zambia(kaputa) 1 within zambia(lusaka) 1 within zambian(nchelenge) 1 within zamnis 1 wwithin zambia 1 zambai 1 zambezi 1 zambi 1 zambia 159 zambia (local) 1 zambia chinsali 1 zambia kasama 1 zambia lusaka 2 zambia mufumbwe 1 zambia only 1 zambia serenje 1 zambia solwezi 2 zambia(mwense) 1 zambia(nyawa) 1 zambia,luapula 1 zambian 2 zambiz 1 zimba 1 zimba zambia 1 I.3.2a How much money did you send? unit 975 11806 1 ZMW 698 2 ZAR 5 3 USD 25 4 Other, specify 116 8 Refused 58 9 Don?t know 73 Sysmiss 11806 I.3.2b How much money did you send? amount 975 11806 -99 180000 1334.731 8113.931 I.4 In the past 12 months, have you received money from someone in a different p 12697 84 1 Yes 2348 2 No 10349 Sysmiss 84 I.6.1 The last time you received money from outside Zambia, which country did yo 2348 10433 0 999 0 None (did not receive) 1264 4 Afghanistan 10 8 Albania 11 12 Algeria 6 20 Andorra 3 24 Angola 5 28 Antigua and Barbuda 1 31 Azerbaijan 0 32 Argentina 1 36 Australia 2 40 Austria 0 44 Bahamas 1 48 Bahrain 0 50 Bangladesh 1 51 Armenia 1 52 Barbados 0 56 Belgium 0 64 Bhutan 0 68 Bolivia 0 70 Bosnia & Herzegovina 0 72 Botswana 4 76 Brazil 1 84 Belize 0 90 Solomon Islands 0 96 Brunei 0 100 Bulgaria 0 104 Myanmar 0 108 Burundi 0 112 Belarus 1 116 Cambodia 0 120 Cameroon 0 124 Canada 3 132 Cabo Verde 0 140 Central African Republic 0 144 Sri Lanka 1 148 Chad 0 152 Chile 0 156 China 0 170 Colombia 0 174 Comoros 0 178 Congo 0 180 DR Congo 4 188 Costa Rica 0 191 Croatia 0 192 Cuba 0 196 Cyprus 0 203 Czech Republic 0 204 Benin 0 208 Denmark 1 212 Dominica 0 214 Dominican Republic 0 218 Ecuador 0 222 El Salvador 0 226 Equatorial Guinea 0 231 Ethiopia 0 232 Eritrea 0 233 Estonia 0 242 Fiji 0 246 Finland 2 250 France 0 262 Djibouti 0 266 Gabon 0 268 Georgia 0 270 Gambia 0 275 State of Palestine 0 276 Germany 0 288 Ghana 0 296 Kiribati 0 300 Greece 0 308 Grenada 0 320 Guatemala 0 324 Guinea 0 328 Guyana 0 332 Haiti 0 336 Vatican 0 340 Honduras 0 348 Hungary 0 352 Iceland 0 356 India 0 360 Indonesia 0 364 Iran 0 368 Iraq 0 372 Ireland 3 376 Israel 0 380 Italy 0 384 CÃƒÂ´te d'Ivoire 0 388 Jamaica 0 392 Japan 0 398 Kazakhstan 0 400 Jordan 0 404 Kenya 2 408 North Korea 0 410 South Korea 1 414 Kuwait 0 417 Kyrgyzstan 0 418 Lao People's Democratic Republic 0 422 Lebanon 0 426 Lesotho 0 428 Latvia 0 430 Liberia 0 434 Libya 0 438 Liechtenstein 0 440 Lithuania 0 442 Luxembourg 0 450 Madagascar 0 454 Malawi 4 458 Malaysia 0 462 Maldives 0 466 Mali 0 470 Malta 0 478 Mauritania 0 480 Mauritius 1 484 Mexico 0 492 Monaco 0 496 Mongolia 0 498 Moldova 0 499 Montenegro 0 504 Morocco 0 508 Mozambique 0 512 Oman 0 516 Namibia 4 520 Nauru 0 524 Nepal 0 528 Netherlands 0 548 Vanuatu 0 554 New Zealand 0 558 Nicaragua 0 562 Niger 0 566 Nigeria 1 578 Norway 0 583 Micronesia 0 584 Marshall Islands 0 585 Palau 0 586 Pakistan 0 591 Panama 0 598 Papua New Guinea 0 600 Paraguay 0 604 Peru 0 608 Philippines 0 616 Poland 0 620 Portugal 0 624 Guinea-Bissau 0 626 Timor-Leste 0 634 Qatar 0 642 Romania 0 643 Russia 0 646 Rwanda 1 659 Saint Kitts & Nevis 0 662 Saint Lucia 0 670 St. Vincent & Grenadines 0 674 San Marino 0 678 Sao Tome & Principe 0 682 Saudi Arabia 0 686 Senegal 0 688 Serbia 0 690 Seychelles 0 694 Sierra Leone 0 702 Singapore 0 703 Slovakia 0 704 Viet Nam 0 705 Slovenia 0 706 Somalia 0 710 South Africa 16 716 Zimbabwe 13 724 Spain 0 728 South Sudan 0 729 Sudan 0 740 Suriname 0 748 Eswatini (Swaziland) 0 752 Sweden 0 756 Switzerland 1 760 Syria 0 762 Tajikistan 0 764 Thailand 0 768 Togo 0 776 Tonga 0 780 Trinidad and Tobago 0 784 United Arab Emirates 0 788 Tunisia 0 792 Turkey 0 795 Turkmenistan 0 798 Tuvalu 0 800 Uganda 1 804 Ukraine 0 807 North Macedonia 0 818 Egypt 0 826 UK 12 834 Tanzania 2 840 USA 23 854 Burkina Faso 0 858 Uruguay 0 860 Uzbekistan 0 862 Venezuela 0 882 Samoa 0 887 Yemen 0 999 Other 940 I.6.2a How much money did you receive? 1084 11697 1 ZMW 702 2 ZAR 14 3 USD 34 4 Other, specify 169 8 Refused 72 9 Don?t know 93 Sysmiss 11697 I.6.2b How much money did you receive? 1084 11697 0 70000 767.745 2960.057 I.7.1 Have you ever heard about mobile money? 12697 84 1 Yes 10076 2 No 2621 Sysmiss 84 I.7.2 What is mobile money? 10059 0 1 3782 12 2891 123 690 1234 1065 12345 9 1235 2 124 328 125 9 13 109 134 77 1345 1 14 72 15 7 2 768 23 16 234 6 24 12 25 1 3 16 4 21 5 177 I.7.2_S. Specify what mobile money is. 206 0 "Does not know exactly how it works 1 A WAY OF SAVING MONEY 1 Buy airtime 1 Buying airtime 1 Can't explain 1 DOSE NOT UNDERSTAND THE PUPORSE 1 Do Not Know 1 Do Not Know The Definaation 1 Do Not Know The Meaning 2 Do nt really understand 1 Does not know 1 Doesnt know 1 Dont have an idea 1 Dont know 2 Dont know just hear 1 Even borrow 1 Has heard of but doesn't know what it is 1 Heard of it but don't know what it is 1 I Dont know 1 Never used and no idea what it is 1 RESPONDENT DOESNT KNOW. 1 The respondent does not know what it is. 1 USED FOR SAVING MONEY 1 a way of saving money 1 a way of saving using a phone 1 access small credit 1 account on the phone 1 also check phone blance 1 borriw money using the mobile account 1 borrrow money 1 buy talk time 2 1 buying and phone 1 buying of data 1 buying of talk time 1 can't explain 1 could not manage to explain what it is 1 do not know 3 do not understand 1 does know what realy is about 1 does not know 9 does not know how it works 1 does not know the meaning 1 does not know what it is 1 doesn't know 2 doesn't know the meaning 2 doesn't understand it 1 doesnt know 3 doesnt know what it is but has heard of it before 1 don't 2 don't know 7 don't know the meaning 2 don't know the use of mobile money 1 don't know what it is 1 don't know what it's about 1 donn't know 1 dont know 12 dont know anything since i have no phone 1 dont know how it works 2 dont know it 1 dont know just head of it 1 dont know the meaning 3 dont know what it does 1 dont know what it is 1 dont know. 2 dont understsand the meaning 1 easy and quick access 1 fast money 1 for all 1 from other people. 1 get a loan 1 getting a loan from mobile money 1 had but i don't know what it really is 1 have heard but don't know the meaning 1 have heard but don't know what it is 1 have heard but dont much about it 1 have just heard but do not know what it is 1 having an account 1 he has never used it before 1 heard but doesnt know the meaning 1 heard but dont know tge meaning 1 heard but dont what it means 1 heared but dont know about it 1 i don't know 4 i dont i just heard on radio 1 i dont know 3 i dont know how it work 1 i dont know it 2 i dont know what it means 1 i dont know,havent used it before 1 i heard about it but idont know what it means 1 i heared about it but dont understard it 1 i just know its mobile money 1 iam not sure 1 insufficient knowdge 1 its secure 1 just hear that there is mobile 1 just heard but dont know how its works 1 just heard but has no idea 1 just heard from her simblings she doesnt know 1 just heard i dont know how it works 1 just heard i dont know it much 1 just heard no idear 1 just heard of but dont use it 1 just heard of it don't know what it is 1 keeping money 1 keeping money on phone 1 l don't know 1 l don't know anything 1 made life easier and more efficient 1 money 1 money from other countries 1 money keept in the phone 1 most convinient way to get money 1 never learnt 1 no ide 1 no idea but has heard about it 1 no ideal how it works 1 no misusing of money 1 no response 1 not applivcable 1 not interested because he does not have a phone 1 not know how it works 1 not sure 4 not sure how it works 1 not sure what it means 1 paying using a phone 1 platform for sending and receiving money 1 save money 1 saving 1 saving group 1 saving money 5 saving money on phone 2 savings 1 self deposit 1 small scale type of transaction 1 store/saving of money 1 taking money to airtel 1 thats where you get your pay from 1 the money they save in groups 1 the respondant doesnt know the meaning 1 they dont know mobile money 1 transfering money from person to aanother 1 u can get credit 1 using money on phone 1 way of saving money 1 we useit to keep money 1 where to buy talktime as well 1 where you can access loans 1 you can access a loan 1 you can access credit 1 zoona 1 I.8.1 How did you first learn about mobile money? 10076 2705 1 Television 1000 2 Radio 1694 3 Bank 5 4 Newspaper 12 5 SMS 388 6 Family/friend 4361 7 Mobile money agent 1947 8 Mobile money operator/Cell phone company 348 9 Billboards 43 10 Internet 22 11 Road shows 94 12 Colleagues/co-workers 39 13 Other 123 Sysmiss 2705 I.8.1_S. Specify how you first learnt about mobile money. 123 0 At school 1 Boma 1 COMMUNITY 1 Comunity 1 Coorperative 1 Did not Learn 1 FROM PEOPLE AROUND 1 FROM PREVIOUS TENANT 1 Friends who have an account 1 Posters 1 SCHOOL 1 Saving group 1 School 1 Social welfare officer 1 THROUGH PHONES 1 a friend 1 a stranger i sat next to during a certain journey 1 adverts 1 agents 1 at school 2 at school in business study 1 at school. 1 by mtn company 1 can't remember 1 cannot recall 1 cant recall 1 cant remember 2 cant remember were he heard from 1 community 1 community group 1 cooperative a group fertilizer 1 do not remember 1 does't know the meaning 1 don't know 1 don't know the meaning 1 dont know 1 dont recall 2 during a meeting 1 egichicken 1 employer 4 employies 1 family and friends 1 forgotten 1 found it in ndola 1 friend 1 friends 1 from friends 2 from my childen 1 from people 2 from people with phones 1 from school 2 from student formerly at my school 1 from the market 1 from town 1 general public 1 heard from Nakonde border 1 i do not know how to use it 1 i don't know 1 i don't know about it 1 i dont know it better 1 i head but does npt know the meaning 1 i heard from people 1 in the community 2 just saw them but don't know how it works 1 kaoma 1 learnt about it from school 1 market 1 message on phone 1 my children told me about it 1 my friend taught me 1 never learnt 5 never learnt about but heard about it 1 never learnt about mobile money 1 never learnt about this 3 no phone 1 on phone they sent a massage 1 other people 1 people 3 people around 1 phone 1 school 6 sensitization programm 1 so booths from the zambia-zinbabwe border 1 some people in the community 1 spouse 1 teacher 1 text message 1 that when i have head it 1 the service providers 1 through USSD messages 1 through business 1 through observation of the booths 1 through the media 1 throught a family member 1 town 1 urgents 1 use to work there 1 users of mobile money 1 when I wanted to borrow from micro finance 1 worked as an agent 1 I.8.2 Which mobile money providers are you aware of? 10065 0 1 3 12 1 123 1 12345 3 123456 1 12345678 9 1234568 10 1234578 1 123458 12 1234589 1 1234678 2 123478 2 12348 10 12358 1 124 5 1248 8 128 2 1348 1 14 4 148 3 18 1 2 1063 23 20 234 473 2345 107 23456 4 234567 2 2345678 25 234568 36 23457 4 234578 16 23458 385 234589 1 2346 1 23467 1 234678 1 23468 5 2347 2 23478 4 2348 657 23489 4 2349 5 235 1 2356 1 2358 6 237 1 238 28 24 3064 245 45 245678 1 24568 3 2457 1 24578 3 2458 79 24589 1 246 2 2468 4 2469 1 247 17 2478 6 248 2566 2489 13 249 12 25 7 258 7 278 3 28 106 29 1 3 24 34 14 345 2 3457 1 3458 3 346 1 348 5 38 4 4 811 45 1 48 63 49 3 8 84 9 173 I.8.2_S. Specify other mobile money provider you are aware of. 215 0 "none" 1 DON'T HAVE 1 Does Not Know Any Network 1 Doesnt know 1 Don't have 1 Dont have 2 1 I DNT HAVE MOBILE MONEY 1 I DONT USE MOBILE MONEY 1 I dont know 1 I dont know any 1 Know non 1 Mukuru 1 NONE 3 NOT ON ANY 1 No Imformation About Mobile Money Net Work 1 No idea 3 None of the above 1 Speed Dail 1 Spin 1 Tanga 1 Tenga 1 WESTERN UNION 1 ZANACO EXPRESS 1 ZANACO MOBILE BANKING 1 Zanaco express 2 airtel and mtn 1 bank and phones 1 does not know 8 does not know any 1 does not know any mobile money service provider 1 doesn''t any these. 1 doesn't know any mobile money provider 1 doesnt know 2 don't have a phone 1 don't have any 1 don't know 5 don't know any 1 dont 1 dont have 3 dont have a phone 3 dont have any 3 dont have any mobile money account 1 dont have mobile money 4 dont have one 1 dont know 7 dont know any 1 dont know any at all 1 dont know anything. 1 dont know which mobile provider 1 dont know. 1 dont use any mobile money account 1 dors not know 1 fnb banking 1 he doesn't know any 1 i am not on mobile money 1 i do not have any mobile account 1 i do not have mobile money 1 i don',t have it 1 i don't have 1 i don't have it 1 i don't have mobile money 1 i don't know mobile money 1 i dont have 1 i dont know 1 i dont know any 3 i fear the charges 1 insufficient knowledge 1 just heard but doesnt know the mobile providers 1 just heard of them but dont know them 1 just know them but dont know the service providers 1 just use it dont know the providers 1 knows but not aware of mobile money agents 1 knows not of any mobile money providers 1 knows nothing 1 l dont have any mobile money 1 never heard 1 no idea 1 no idear 1 no mobile money just heard of it 1 no phone 3 no response 1 non of the above 2 none 32 none of the above 1 none of the above/ not sure 1 not any other 1 not applicable 8 not aware 1 not registered on any 1 not registered with any 1 not using any 1 nothing 18 nothing i dont have 1 respondent does not know 1 shoprite 1 tenga 3 vodacom 1 xtenda 1 zamtel 1 zanaco 9 zanaco bank 1 zanaco express 9 zanaco xpit 1 I8.3 Please tell me which of the following you agree or disagree with? 10076 2705 1 Proceed 10076 Sysmiss 2705 I8.3.1 You would like to use a mobile phone to pay for goods and services 10076 2705 1 Agree 6479 2 Disagree 2497 3 Don?t Know 1100 Sysmiss 2705 I8.3.2 You would like to use a mobile phone to put money away so you can use it 10075 2706 1 Agree 7893 2 Disagree 1414 3 Don?t Know 768 Sysmiss 2706 I8.3.3 You would like to use a phone to pay utility bills such as water bill 10075 2706 1 Agree 4594 2 Disagree 3149 3 Don?t Know 2332 Sysmiss 2706 I8.3.4 One can easily lose money if you send/receive using a mobile phone 10075 2706 1 Agree 2907 2 Disagree 5320 3 Don?t Know 1848 Sysmiss 2706 I8.3.5 If you save money on your phone and your phone is lost you cannot get bac 10075 2706 1 Agree 2022 2 Disagree 5983 3 Don?t Know 2070 Sysmiss 2706 I.9.1 Have you ever used mobile money? 10075 2706 1 Yes 6395 2 No 3680 Sysmiss 2706 I.9.2 Are you currently using mobile money? 6395 6386 1 Yes 5197 2 No 1198 Sysmiss 6386 I.9.3 Are you registered to use mobile money? 4878 7903 1 Yes 670 2 No 4208 Sysmiss 7903 I.9.4 What is the main reason why you do not use mobile money? 4878 7903 1 I do not know what it is 152 2 I do not know how to get it 365 3 I do not have the required documents 186 4 There is no point-of-service/agent close to where I live 289 5 I do not need it, I do not make any transactions 522 6 Registration is too complicated 34 7 Using it is difficult 123 8 Fees for using this service are too high 54 9 No one among my friends or family use this service 46 10 I do not understand this service; I do not know what I can u 106 11 I do not have a mobile phone 1936 12 I do not trust that my money is safe on a mobile money accou 125 13 My spouse, family, in-laws do not approve of me having a mob 14 14 It is against my religion 1 15 I don?t use it because all agents are men 2 16 Mobile money does not provide anything better/any advantage 34 17 Other, specify 889 Sysmiss 7903 I.9.4_S. Specify the main reason you do not use mobile money. 0 0 I.10 When did you first start using mobile money, would you say it was ?.? 5197 7584 1 Up to six months ago 706 2 Between 6 months and a year ago 877 3 Over a year ago, but less than 2 years ago 1394 4 2 years or more ago but less than 5 years ago 1580 5 5 years ago or more 467 6 Don?t know/Can?t remember (Don?t read) 173 Sysmiss 7584 I.11 What is the main reason you started using mobile money? 5197 7584 1 I had to send money to another person 1012 2 I had to receive money from another person 1749 3 Somebody/a person requested I open an account 256 4 I had to send money to an organization/government agency: e. 19 5 I had to receive money from an organization/government agenc 17 6 An organization/government agency requested I signed up for 11 7 An agent or sales person convinced me 127 8 I saw posters/billboards/radio/TV advertising that convinced 31 9 A person I know, who uses mobile money, recommended I use mo 148 10 I saw other people using it and wanted to try by myself 91 11 I wanted to start saving money with a mobile money account 731 12 I wanted a safe place to store my money 585 13 I got a discount on airtime 3 14 I got a promotional amount of money to spend if I start usin 0 15 Most of my friends/family members are already using it 23 16 It?s convenient to send and receive money anywhere and anyti 229 17 Other, specify 165 Sysmiss 7584 I.11_S. Specify the main reason you started using mobile money. 165 0 BECAUSE ITS EASY TO ACCESS 1 BECAUSE ITS NEAR 1 CONVENIENCE 1 EASY TO SAVE MONEY 1 EASY TO USE 1 Easy to transact in a lot of ways 1 Easy way of banking and receiving 1 FOR EASY TRANSFER 1 FOR FEAR OF MISUSING MY MONEY 1 FOR FUTURE USE 1 FOR MY SALARY 1 FOR SAVING MONEY 2 For saving porpuse 1 Got attacked 1 Helps in saving money 1 I WANTED TO START SAVINING 1 IT IS EASY AND EVERY WHERE 1 SALARY 2 SAVING 1 SIMPLE AND EASY TO ACCESS 1 She saw that it was okay 1 THERE ARE NEAR 1 TO BORROW MONEY 1 TO SAVE MONEY 1 To give it a try and see if it works 1 To help cope with regular and unexpected expensess 1 To save money 1 accessibilty 1 because good rates 1 because of my business i sell in another town 1 business 1 charge rate is cheaper 1 charges are low 1 cheap 1 convinient 1 convinient and easy 1 convinient for daily expences 1 do not have bank account 1 due to banks are expensive 1 easier and faster 1 easier to save money 1 easy 2 easy access 1 easy and convient to save money 1 easy and faster 1 easy payment of bills 1 easy to access 1 easy to save and withdraw 1 easy top send and receive money 1 easy yo pay the bills 1 employer started paying salaries throgh mobile 1 failed to keep savings at home 1 for better access than going to the bank 1 for bundles 1 for easy access to pain paying the bills 1 for fast transaction 1 for quick transactions 1 for saving 3 for savings 2 for seft 1 for wages from tommorow investment 1 had a business 1 had to be paying mtn lights bills 1 had to buy an item from someone who was far 1 had to find a safe place to keep my money 1 had to receive my salary 1 had to receive my salary through mobile money 1 had to save for school and rentals 1 helps me to save 1 i am only cahrged for with draws 1 i don't have mobile money 1 i had discovered that saving money helps alot 1 i had to receive my salary 1 i wanted to save money 1 i wanted to start saving 2 i was careless with money (expenditure) then 1 incase someone wants to send money 1 1 it hepks me save 1 it is a way of saving money 1 it is and accessble 1 it is cheaper to use 1 it is convinient 1 it is conviniet 1 it is fast 1 it is faster and affordable 1 it is the first place of saving that i knew first 1 it is the only wat we have for saving money 1 it prevents me from spending money anyhow 1 it was convient 1 it was the quickest way to recieve money 1 its better to save money in it than keeping it 1 its convient 1 its good 1 its safe and easy 1 just wanted to sart using it 1 mode of saving 1 money used to be lost and spending anyhow 1 mtn just came and told us to register 1 my friend asked me to register 1 my friend told me 1 my uncle send me to transact on their behalf 1 myself 1 not her account 1 opened because of school fees 1 problems 1 quicker and cheaper 1 safe keeping 2 save 1 save money 3 save money for school children 1 saving 4 saving for future use 1 saving money 1 saving purposes 1 savings 1 security 1 security reasons 1 service charges are very low 1 she had to receive the money from the company. 1 simple to save money 1 some friend told me 1 someone told me 1 the church requested me to 1 they used to steal in the house 1 time saving and fast 1 to pay bills 1 to save 2 to save money 11 to save money and buy units 1 to send money on behalf of someone 1 told to open because of covid 1 unnessary spending 2 very ideal 1 wanted to get a loan from micro loan 1 way of keeping money 1 way of saving 1 we were given by the donors 1 when they were working the firm made them open 1 you spend less when you save 1 I.12.1 Which of the following statements applies to you? 5197 7584 1 235 2 81 3 You are registered to use mobile money 4881 Sysmiss 7584 I.12.2 What is the main reason why you have not registered/activated the account 317 12464 1 I do not have a state ID or other required documents 102 2 There is no mobile money agent close to where I live/work 41 3 Fees for using such account are too high 12 4 I can have all the services through an agent, I do not need 17 5 I prefer that agents perform transactions for me, they will 9 6 I do not trust my money is safe in a mobile money account 7 7 I prefer to keep money in cash and use mobile money only to 10 8 I have heard of fraud on mobile money 5 9 Agent can help me use the service I do not know how to use i 22 10 Do not see any advantages in registering 13 11 Other, specify 79 Sysmiss 12464 I.12.2_S. Specify the main reason you have not registered/activated the account. 0 0 I.13.1 How did you register/activate? 4875 0 1 3843 12 12 123 5 1234 3 13 468 134 5 14 2 15 5 2 11 23 3 3 497 4 1 5 20 I.13.1_S. Specify how you registered/activated. 25 0 AIRTEL STORE 1 Agents that are mobile 1 Air customer service 1 MTN OUTLET 1 My friend helped me 1 My grand daughter helped me 1 Someone 1 a friend 1 agent 1 airtel shop 1 alone 1 alone/ promot steps 1 at an agent 1 co- worker registered for me 1 family 1 father registered on his name 1 head office 1 main air call centre 1 mtn offices 1 my friend helped me 1 my husband activated for me 1 on her own 1 registered through agent 1 through mobile agents 1 using a family members Nrc 1 I.13.2 With which networks are you registered to use mobile money services? 4872 0 1 3 12 1 123456 1 12345678 2 123458 1 14 1 2 1779 23 6 234 30 2345 5 2345678 1 23458 10 2348 13 238 1 24 1320 245 7 2458 2 248 118 249 4 25 1 258 1 28 38 289 1 3 3 34 5 345 2 348 1 38 1 4 1427 48 33 49 2 5 1 8 48 9 3 I.13.2_S. Specify which network you are registered to use mobile money services. 10 0 Tenga 2 XAPIT 1 ZANACO EXPRESS 1 Zanaco express 1 atlas mara 1 non of them 1 sending money 1 zanaco express 1 zanaco, xapit 1 I.14 What do you use mobile money for? 5184 0 A 290 AB 631 ABC 46 ABCD 20 ABCDE 29 ABCDEF 42 ABCDEFG 9 ABCDEFGH 1 ABCDEFGHIJ 1 ABCDEFGHIJKLMNPQRS 1 ABCDEFGHIJLMNO 1 ABCDEFGHJ 1 ABCDEFGHLMO 1 ABCDEFGI 2 ABCDEFGIS 1 ABCDEFI 23 ABCDEFIJ 1 ABCDEFIJKQ 1 ABCDEFIJQS 1 ABCDEFIJS 2 ABCDEFIK 1 ABCDEFIKLNOS 1 ABCDEFINP 1 ABCDEFIQS 2 ABCDEFIS 10 ABCDEFJS 1 ABCDEFK 1 ABCDEFMS 1 ABCDEFQ 1 ABCDEFQS 1 ABCDEFS 10 ABCDEG 2 ABCDEI 5 ABCDES 1 ABCDF 14 ABCDFGI 1 ABCDFI 9 ABCDFIQS 1 ABCDFIS 1 ABCDFOS 1 ABCDFS 2 ABCDI 3 ABCE 17 ABCEF 16 ABCEFI 4 ABCEFIJOQS 1 ABCEFIMS 1 ABCEFIS 3 ABCEFS 2 ABCEG 1 ABCEI 2 ABCF 20 ABCFI 7 ABCFIMNS 1 ABCFPQ 1 ABCFS 2 ABCGHKM 1 ABCI 5 ABCS 1 ABD 32 ABDE 29 ABDEF 57 ABDEFG 1 ABDEFGH 1 ABDEFGI 2 ABDEFGIS 1 ABDEFI 19 ABDEFIK 1 ABDEFIN 1 ABDEFIS 6 ABDEFK 1 ABDEFL 1 ABDEFM 1 ABDEFS 8 ABDEG 1 ABDEGI 1 ABDEI 4 ABDEIS 2 ABDEJ 1 ABDEQ 1 ABDES 1 ABDF 29 ABDFG 4 ABDFI 10 ABDFIS 3 ABDFOS 1 ABDFS 2 ABDG 1 ABDI 5 ABDO 1 ABE 484 ABEF 353 ABEFG 5 ABEFGHI 1 ABEFGI 3 ABEFGIJ 1 ABEFGIS 2 ABEFGOQ 1 ABEFGS 4 ABEFI 112 ABEFIM 2 ABEFIMQ 1 ABEFIN 1 ABEFINS 2 ABEFIO 3 ABEFIOS 2 ABEFIQS 2 ABEFIR 1 ABEFIS 26 ABEFIT 1 ABEFL 3 ABEFM 1 ABEFMS 1 ABEFO 1 ABEFQ 2 ABEFQS 2 ABEFS 70 ABEFT 1 ABEG 13 ABEGI 1 ABEGS 1 ABEI 37 ABEIM 1 ABEIMS 1 ABEIS 4 ABEMO 1 ABEO 1 ABEQS 1 ABES 15 ABET 1 ABF 384 ABFG 8 ABFGHIO 1 ABFGI 1 ABFGNO 1 ABFHI 1 ABFI 94 ABFIJ 1 ABFIJO 1 ABFIJOS 1 ABFIKS 1 ABFILS 1 ABFINS 1 ABFIO 1 ABFIS 18 ABFJ 1 ABFJO 1 ABFJS 1 ABFK 1 ABFQ 1 ABFQS 1 ABFS 49 ABFST 1 ABG 8 ABGS 1 ABH 1 ABI 24 ABIJQ 1 ABIOS 1 ABIQ 1 ABIS 3 ABO 2 ABS 7 ABT 5 AC 6 ACDE 4 ACDEF 3 ACDF 2 ACDFG 1 ACDFI 1 ACE 3 ACEF 2 ACEFIS 1 ACEFS 1 ACF 5 AD 5 ADE 3 ADEF 3 ADFG 1 ADFIQ 1 ADFS 1 ADI 2 ADS 1 AE 73 AEF 52 AEFG 1 AEFGIQ 1 AEFI 9 AEFIKS 1 AEFIM 1 AEFIS 2 AEFS 6 AEG 3 AEH 1 AEI 5 AEIJ 1 AES 1 AF 28 AFG 1 AFI 14 AFIQ 1 AFL 1 AFS 2 AG 1 AH 1 AI 7 AO 1 AS 1 B 516 BC 4 BCD 2 BCE 4 BCEF 1 BCEFI 1 BCES 1 BCF 2 BCFIO 1 BCI 1 BD 13 BDE 4 BDEF 2 BDEFIS 1 BDF 3 BDFI 1 BDFS 1 BDG 1 BDS 1 BE 129 BEF 43 BEFGI 1 BEFGIOPR 1 BEFI 3 BEFIS 2 BEFM 1 BEFS 6 BEFST 1 BEG 1 BEI 2 BEIS 1 BES 3 BF 46 BFI 5 BFIS 2 BFQ 1 BFS 3 BG 3 BI 7 BIS 2 BK 1 BO 2 BS 1 C 15 CD 1 CDEF 1 CDEI 1 CDF 2 CE 3 CEF 1 CFI 1 CFM 1 CG 1 D 30 DE 9 DEF 2 DEFGT 1 DEFI 1 DEFS 1 DEG 1 DEI 1 DFI 1 E 496 EF 85 EFG 1 EFI 14 EFIOS 1 EFIQ 1 EFIS 3 EFS 5 EG 2 EGI 1 EH 1 EI 9 EIQ 1 EIS 1 EM 1 EO 1 EQ 1 ES 1 ET 2 F 25 FG 1 FI 7 FIQ 1 FIS 2 FQ 1 FS 6 G 12 GT 1 H 2 I 18 IO 1 IQ 1 IQT 1 O 2 OT 1 Q 3 S 2 T 31 I.14_S. Specify what you use mobile money for. 47 0 AND ITS NEAR 1 BORROW MONEY 1 BORROWING MONEY 1 I no longer use it 1 SAVING ,SENDING AND RECEIVING MONEY 1 SEND MONEY TO CREDITORS 1 Save money 1 Saving 1 TO BORROW MONEY 1 airtime 1 betting 1 borrowing 1 cash out 1 clothing 1 for keeping money for feature use 1 for saving 1 have not yet used it but have it 1 i don't have mobile money 1 its fast 1 just registered but not using it 1 make payments 1 own saving 1 pay for mtn lights 1 paying for school fees 1 paying for utility bills 1 personal transactions 1 receiving n sending 1 recieving and sending miney 1 regular expenses 1 save money 3 save money in it 1 saving 1 saving and receiving money 1 saving money 1 saving school fees 1 saving, recieving and sending money 1 savings 1 send and receieve money 1 send and receive 1 sending and reciveing money 1 sending money on behalf of someone 1 somebody requested me to open 1 to save money 1 to send money to my boss 1 transact on behalf of my uncle 1 I.15 How often did you use mobile money in the last 3 months? 5197 7584 1 At least once a day 547 2 At least once a week but not everyday 2025 3 1712 4 Less than once a month 776 5 Other, specify 137 Sysmiss 7584 I.15_S. Specify how often you used mobile money in the last 3 months. 137 0 1year 1 2 or 4 times a month depending on how much i have 1 2 time 1 2 years ago 2 4 months 1 4 times 1 6 months ago 1 6 times 1 6months ago 1 A year ago 1 ACCOUNT IS NOT YET ACTIVE 1 AS PER DEMAND 1 Almost every day 1 Atleast 2 months 1 CANT REMEMBER 1 DID NOT USE 1 DID NOT USE MOBILE MONEY IN THE LAST 12 MONTHS 1 Did not use it 1 Didnt use it 1 HASNT USED IT IN THE PAST 1YEAR 1 I HAVENT USED IT 1 I HAVENT USED IT IN THE PAST THREE MONTHS. 1 I used airtel money in June 1 IT DEPENDS 1 ITS BEEN OVER A YEAR NOW 1 MORE THAN 12 MONTHS 1 MORE THAN A YEAR AGO 1 NEVER USED IT LAST MONTH 1 NO REGULAR SECHEDULE 1 NO SPECIFIC TIME FRAME 1 NOT USED IT IN YEAR 1 Not Aplicable 1 Occassionaly 1 Once 1 One year ago 1 QUARTELY 1 Receiving money 1 Recieved money from family 1 SEASONALLY 1 Seasonal 1 WHEN SHE CAN 1 When i can 1 any time i have money to save for future use 1 atleast twice a month 1 cant remember when last i used it 1 depending on when i get money 1 depends 1 did not use 3 did not use anything 1 did not use it 3 didn't use it 2 didnt use 1 didnt use it 1 didnt use it in the last 3 months 1 do not often use it 1 everyday 1 frequently 1 have not used it for more than 3 months 1 have not used it in a while 1 i cant rember 1 i just recently registered 1 in once in 2 weeks 1 it depends 1 just a week ago 1 just activated the account 1 just once from the time it was opened 1 l no longer use it 1 last use in february 1 last year was the last time 1 months ago 1 more often than listed 1 more than 3 months 1 more than 5 months ago. 1 more than one year now 1 more than six months sgo 1 more than three months 1 more than two moths 1 never 1 never used 1 never used in that period 1 never used it 2 never used it these past months 1 1 no particular plan 1 no particular schedule 1 no regular period 1 no specific moment 1 no specific time 2 no specific timeframe 1 none 2 not as such 1 not more than a week 1 not used for 3 months 1 not used for 6 months 1 not used it 2 not used it in the last three months 1 not using it 2 not very often 1 not yet used 1 occasionally 1 often 1 1 once a year 1 once in 6 months 1 once in a while 1 once in the month 1 opened account a last month 1 past 30 days 1 rarely 1 recently opened the mobile money account 1 recieve throuhg the agent 1 sometimes 1 three times 2 twice 1 twice a week 2 when he has 1 1 when i ask from my children 1 when i find money 1 when i recieve money 1 when required 1 whenever i had money 1 whenever she had 1 whenever she has money 1 I.16 Do you usually do mobile money transactions yourself or does somebody else 5197 7584 1 Do transactions myself 4289 2 Somebody helps me 642 3 Somebody does it on my behalf 266 Sysmiss 7584 I.17.1 When last did you use mobile money? 5197 7584 1 Today 512 2 In the past 7 days 2525 3 In the past 30 days 1663 4 In the past 90 days 309 5 More than 90 days ago but less than 6 months ago 103 6 6 months or longer ago 85 Sysmiss 7584 I.17.2 What is the main reason for not using mobile money more often? 497 12284 1 Didn?t need it 143 2 Doesn?t suit/meet my needs 30 3 Too expensive 22 4 Service is not good 25 5 Other 277 Sysmiss 12284 I.17.2_S. Specify the main reason for not using mobile money more often. 277 0 BECAUSE ITS NOT IN MY NAME 1 DID RECIEVE, SEND OR SAVE MONEY IN IT 1 DIDNT HAVE ENOUGH MONEY TO SAVE 1 DON'T HAVE MONEY 1 DON'T HAVE MONEY REGULAJ 1 DONT GET ENOUGH IN BUSINESS 1 DONT HAVE A PHONE AT THE MOMENT 1 Do not have enough money 1 Do not have money 1 Don't have an income to support it 1 Dont have enough money 1 Dont receive money more often 1 Dont recieve money frequently 1 END UP WASTING MONEY BY BUYING Airtime hence avoid 1 HAVE NO ENOUUGH MONEY 1 Had no money to save 1 Have not been having enough funds 1 Haven't had n had money lately 1 I HAVE MONEY REGULARY 1 I WITHDRAW MONEY FOR SCHOOL 1 I didnt have money 1 I dont have money to send or receive frequently 1 I have limited resources 1 I owe them money 1 I use it when someone has sent money 1 I was broke 1 Irregular availbility of Funds. 1 LACK OF FUND 1 LACK OF MONEY 4 Lack of money 1 Lost The Phone 1 Lost my phone 1 Lost phone 1 MY ACCOUNT WAS BLOCKED 1 Money is difficult to find 1 NO ENOUGH MONEY 1 NO ENOUGH MONEY TO SAVE 1 NO MONEY 2 NO MONEY TO SAVE 1 NO ONE HAS SENT ME MONEY OF LATE 1 No money 1 Not enough money 2 Not enough money to save 1 Not ready to start using it 1 OWING MTN 1 Phone got damaged 1 RESPONDENT DID NOT HAVE ENOUGH MONEY TO SAVE 1 SAVING MONEY 1 Son sends sometimes 1 Too far 1 USE IT TO SAVE 1 USUALLY USE CASH 1 account was bloked 1 agent is too far away 1 am not sent money all the time 1 booths are too far 1 business is to slow 1 child has not sent me any money 1 currently do not have money 1 currently doesnt have money 1 currently have no mobile phone 1 currently i do not have money 1 currently i don't have a phone 1 did not hav enough money to save 1 did not have money 2 did not have money to save 1 did not have money to store 1 did not have much transactions 1 didn't have money to use oftenly 1 didnt have money 1 difficulti to find money 1 dint usually have money 1 distance to nearest mobile agent is too far 1 do not have enough money 1 do not have money to save 1 do not have near 1 do not have regular income 1 does not have enough knowledge 1 does not recieve money on a daily basis 1 1 doesnt have money 1 doesnt recieve more often 1 don't have a phone 1 don't have earnings/business 1 don't have enough income 1 don't have enough money 1 don't have money all the time 1 don't have money to receive 1 don't have the money 1 don't receive money more frequently 1 don't receive money often 2 dont have a phone 1 dont have enough cash to save 1 dont have enough money 2 dont have enough money to save 1 dont have enough money to save. 1 dont have enougph money 1 dont have money 5 dont have money in it 1 dont have money often 1 dont have money to save 3 dont have money to send 1 dont have money to transact 1 dont have money to use 1 dont have more money to save 1 dont have time 1 dont have to much money 1 dont have to put 1 dont know hw to transact 1 dont need to friqunt withdraw 1 dont often need it 1 dont usually have money 2 had no money 1 hardly receive or send money 1 has no money to send or recieve 1 have had unexpected expenses 1 have no stead income 1 having money sometime 1 i did not have money to save 1 i didnt have any money in the account 1 i do not have 1 i don',t have a phone 1 i don't have enough money 1 i dont enough more to do transactions 1 i dont habe enough money 1 i dont have enough money 1 i dont have enough moneymto be using it daily 1 i dont have money 2 i dont have money to keep 1 i dont have money to send or receive every time 1 i had lost my phone 1 i hardly have money 1 i have no money 1 i have no money to use for it 1 i have not receive money or had a chance to save 1 i have not source of income 1 i lost my sim card 1 i might loose my money 1 i only receive money occasionally 1 i rarely has money 1 i rarely have money 1 i use it when i can 1 idle account 1 income 1 insufficient income 1 insufficient money to transact 1 it is far from home 1 its too far away 1 its very far but the respondant really wants it 1 just wait for someone to send money 1 l don't have money to save 1 l dont have money to save every time 1 lack of enough money 2 lack of money 3 lack of money sometimes 1 lack of regular imcome 1 less income 2 luck of money 1 mobile agent too far 1 mobile money prividers are very far 1 money has been failing to get withdrawn 1 money is a problem 1 money is not always available 1 my family dont send money freqeuntly 1 network failure 2 ni money 1 no enough money 7 no enough savings 1 no enough savings to use for transactions 1 no funds 1 no income 4 no money 17 no money enough 1 no money is available 1 no money to do transactions 1 no money to put away 1 no money to recieve and send 1 no money to save 3 no money to save at the moment 1 no moneyn 1 no much savings to use for transactions 1 no much transactions to make 1 no much transctions 1 no one sends me money 1 no one sends money anymore 1 no one sent me money 1 no one sent money 1 no reason 1 no source of income 1 none 2 none because the respondent use it 1 not applicable 2 not easily accssible 1 not enough money 4 not having money more often 1 not on phone 1 not with a phone 1 nothing 2 only save when i find money 1 only used it to recieve money 1 opened it when wanted to get a loan 1 people dont send money quite often 1 phone got spoiled 1 point of service its to far 1 pupil without income 1 rarely have money 1 she use it when needed 1 someone took my sim card 1 sometimes money is not enough 1 suspended from work 1 the booths are very far away 1 the income is not enough to save money 1 the mobile services are too far 1 the phone is not working at a moment 1 the respondent uses mobile money 1 use it when i receive money 1 use it when only when my children send money 1 uses it when someone sends money 1 very far from where i live 1 wait for people to send me money 1 was busy with work 1 was having money 1 we have poor network here 1 I.18 In the past 12 months have you experienced any of the following when you wa 5057 0 1 1336 12 376 123 1221 1234 65 12345 13 123456 6 1234567 1 123457 1 12346 5 123467 1 12347 1 1235 20 12356 5 12357 1 1236 18 1237 2 124 4 1246 1 125 12 126 5 13 854 134 18 13456 1 1346 2 135 10 136 8 137 4 14 11 146 1 15 16 156 1 16 5 17 5 2 212 23 126 234 2 235 4 236 2 24 1 247 1 27 1 3 460 34 6 36 4 37 1 4 11 46 1 5 11 56 1 6 6 7 177 I.18.1_S. Specify what you experienced . 196 0 HAVENT EXPERIENCED ANY 1 Have not experienced any problem 1 Havent experienced any 1 Havent faced any 1 I didn't experience any 1 I experiancednot anything. 1 I have just actvated it 1 Lack of proper network conectivity where we stay 1 My account was locked 1 N/A no problem found 1 NO AGENT 1 NO PROBLEM 1 NON OF THE ABOVE 2 NONE 2 NOTHING 1 Never any issues 1 Never exeperienced 1 No bad experience 2 No deduction copiesof amounts for transactions 1 No experience 1 No exprience 1 No problem 1 No problems 1 No set backs at all 1 None 4 None of the above 2 Not expirenced any problem 1 Not of the above 1 Nothing 7 SOMEONE CALLED HIM TO REVEAL HIS PIN 1 a non agent wanted to reveal my pin 1 agent delays to offer services 1 agents do not know how to do their work well 1 always tell her that shes not eligible 4 loan 1 could 1 did have money 1 did not any experience 1 did not eperience any problem 1 did not face any challenge 1 didnt experience any 1 didnt experience any problem 1 didnt experience any probrem 1 didnt experience anything 1 dont expirence any 1 fraudulent activities 1 frued 1 hasnt experienced any problem yet 1 have no problem with mobile money 1 have not experienced any problems 1 he find any problem 1 i didnt find any problem 1 i dont have a phone of my own 1 i had nothing 1 i have not experienced any problem 1 i rarely use it 1 incorrect details 1 it has never happend to me 1 its a new mobile account 1 limited maximum amount to transact 1 long distances to where to access moble money 1 made mistake when paying for my gotv subscription 1 misplacement in other account 1 money deducted from the account 1 money sent to wrong person 1 my simcard could not read 1 network 1 never experienced 1 never experienced any problem 1 never experinced any problem 1 never expirenced any problems 1 no bad experience 2 no challenge 1 no complaint 1 no enough money 1 no experience 2 no intrest 1 no much only okay 1 no negative experience 2 no problem 7 no problem experienced 2 no problems 11 no problems at all 1 no problems experienced 1 non of the above 1 non of the above problems 1 none 41 none of the above 2 not applicable 2 not experienced any problem 1 not getting through 1 nothing 19 nothing above 1 nothing of the sbove 1 nothing so far 1 pin number was changed by somebody other than me 1 problems with Pin number 1 replacing sim card took too long 1 slow servicer 1 system very slow 1 the agent did't do the right registration 1 the moble services are very far 1 was duped 1 you easily withdraw 1 I.18.2 Ask only those who experienced problems 4239 0 A 290 B 504 C 3288 D 157 I.18.2_S. Specify other problem that you experienced . 196 0 COMPLAINED TO AN AGENT 1 DID NOTHING 1 Did not experence any problem 1 Did npt expirence any probleam 1 Had no bad experience 1 Had no problems 1 I didn't 1 I experianced not anything. 1 LOOKED FOR Slots 1 Lack of services nearby 1 NO PROBLEM 4 NO PROBLEMS 1 NONE 1 Never experienced challenges 1 No prob 1 Non experience 1 None 3 None other 1 Not Applicable 2 Not applicable 4 Nothing 7 Nothing expereinced 1 Went to open another account 1 agent delayed to offer services 1 agents over charge people during the transactions 1 called zicta but have never done anything 1 did not experience any problem 2 did not face any challenge 1 did nothing 4 didnt experence anything 1 didnt experience 1 didnt experience any problem 3 didnt experience any probrem 1 didnt experience them 1 easy withdraw 1 followed up service provider 1 have not experienced any 1 i didnt experience any problem 1 i dont have a phone of my own 1 i had to replace it 1 i never faced any challenge 1 limited maximum amount to transact 1 long distances to places where one can access it 1 my money wasnt refunded 1 network 1 network problems some times 1 never exeperienced 1 never experience any problems 1 never experienced 1 never experienced any 2 never experienced any problem 1 never experienced anything 1 never happend 1 new account 1 no complaint 1 no complaints 1 no experience 1 no intrest 1 no other 1 no other problem 2 no problem 14 no problem experienced 1 no problem faced 1 no problem yet 1 no problems 5 no problems experienced 1 no reason 1 non really 1 none 47 not applicable 3 nothing 33 nothing else 1 someone else's name was appearing insteady of mine 1 system slow 1 there was no problem 1 wait 1 I.19.1 Have you ever used a mobile money agent? 5197 7584 1 Yes 4630 2 No 567 Sysmiss 7584 I.19.2 What did/do you use mobile money agents for? 4626 0 A 517 AB 85 ABC 546 ABCD 7 ABCDE 8 ABCDEF 2 ABCDEFG 114 ABCDEG 3 ABCDF 2 ABCDFG 17 ABCDG 1 ABCE 37 ABCEF 28 ABCEFG 211 ABCEG 11 ABCF 56 ABCFG 352 ABCG 38 ABCH 1 ABD 4 ABDE 1 ABDEF 2 ABDEFG 4 ABDF 2 ABDFG 3 ABDG 1 ABE 9 ABEF 7 ABEFG 15 ABEG 2 ABF 12 ABFG 21 ABG 20 AC 107 ACDEFG 4 ACDF 1 ACE 8 ACEF 2 ACEFG 10 ACEG 5 ACF 16 ACFG 25 ACG 19 AD 3 ADEFG 10 ADEG 1 ADF 2 ADFG 8 ADG 1 AE 6 AEF 6 AEFG 53 AEG 7 AF 21 AFG 164 AG 43 B 189 BC 393 BCD 12 BCDE 2 BCDEF 6 BCDEFG 34 BCDEG 2 BCDF 2 BCDFG 12 BCE 49 BCEF 11 BCEFG 56 BCEG 2 BCF 41 BCFG 142 BCG 22 BD 2 BDE 3 BDEFG 8 BDF 1 BDFG 3 BE 9 BEF 2 BEFG 14 BEG 1 BF 13 BFG 33 BG 14 BH 1 C 267 CDE 1 CDEFG 4 CDF 1 CDFG 1 CE 11 CEF 5 CEFG 8 CEG 5 CF 24 CFG 15 CG 17 CH 1 D 6 DE 3 DEF 2 DEFG 14 DF 3 DFG 6 DG 2 E 11 EF 5 EFG 66 EG 6 EH 1 F 62 FG 204 G 132 H 3 I.19.2_S. Specify what you use mobile money agents for. 7 0 STORE MONEY 1 complaint 1 deposit 1 for simcard replacement 1 none 1 not applicable 1 saving money 1 I.19.3 Do you tend to use the same agent most of the time? 4630 8151 1 Yes 1288 2 No 3342 Sysmiss 8151 I.19.4 What is the main reason you are using this agent regularly? 1288 11493 1 Out of courtesy 99 2 The agent is fast 276 3 I trust this agent 331 4 Reliability: the agent is always present during work hours 104 5 Reliability: the agent always has e-float and/or cash to hel 34 6 Proximity to where I live 223 7 Proximity to places where I go ? market, school, retail stor 108 8 Agent is knowledgeable/helpful 21 9 Agent is friendly and engaged 25 10 This agent is my personal friend, family member or a relativ 11 11 My family members, friends or workmates use this agent 1 12 Agent was recommended to me 4 13 The agent is female 2 14 The agent is male 0 15 Other (Specify) 49 Sysmiss 11493 I.19.4_S. Specify the main reason you are using this agent regularly. 49 0 Because agent is my former pupil and trust them 1 HE IS NEAR OUR HOUSE 1 Only agent available 2 Only one agent in the area 1 The only agent available 1 because other agents are far 1 easly accessed 1 gotten used to agent 1 he is only one 1 he is the closest here 1 he is the only agent 1 he is the only available agent in our village 1 he is the only one 1 he is the only one here 1 he is the only one in the area 1 he is the only one in this area 1 he is yhe the only one in the area 1 his the only agent in my village 1 is the only agent 1 it is near my home 1 it is near my place 1 its near my place 1 its near to my place 1 near 1 near by place 1 near my home 2 nearest to home 1 no reason 1 only agent available here 1 only agent in the area 1 only agent we have here 1 only one agent available in our community 1 only used it once 1 other agents overcharge 1 respondent is an agent 1 1 the agent in the only one in the village 1 the agent is near 1 the agent is near my place 1 the agent is the only one here 1 the only agent available 1 the only one available 1 there is only one agent 1 there is only one agent here 1 there no other 1 we dont spend money to go and withdraw 1 would be easier to track if anything goes wrong 1 I.20 For each of the following statements, please tell me whether it is true for 12696 85 1 Proceed 12696 Sysmiss 85 I.20.1 You do not like carrying cash 12696 85 1 TRUE 5227 2 Not true 7030 3 Don?t know 439 Sysmiss 85 I.20.2 You would rather deal with people face to face than with machines such as 12696 85 1 TRUE 7814 2 Not true 3590 3 Don?t know 1292 Sysmiss 85 I.20.3 You are prepared to learn how to use new technology 12696 85 1 TRUE 9088 2 Not true 2287 3 Don?t know 1321 Sysmiss 85 I.20.4 You prefer to pay for goods and services in cash rather than using electr 12696 85 1 TRUE 7811 2 Not true 3519 3 Don?t know 1366 Sysmiss 85 I.21 In the past 12 months, how often did you use the following for purchases? 12696 85 1 Proceed 12696 Sysmiss 85 12696 85 1 Never 571 2 Daily 6102 3 Weekly 3336 4 Monthly 1764 5 Less often than monthly 923 Sysmiss 85 I.21.2 ATM / Debit card 12696 85 1 Never 11427 2 Daily 53 3 Weekly 212 4 Monthly 765 5 Less often than monthly 239 Sysmiss 85 I.21.3 Credit card 12696 85 1 Never 12403 2 Daily 27 3 Weekly 38 4 Monthly 131 5 Less often than monthly 97 Sysmiss 85 I.21.4 Bank transfer 12696 85 1 Never 11891 2 Daily 33 3 Weekly 67 4 Monthly 428 5 Less often than monthly 277 Sysmiss 85 I.21.5 Mobile money 12696 85 1 Never 7392 2 Daily 591 3 Weekly 2017 4 Monthly 1682 5 Less often than monthly 1014 Sysmiss 85 I.22.1 Do you have utility bills such as water, electricity, property rates, Muv 12696 85 1 Yes 2194 2 No 10502 Sysmiss 85 I.22.2 In the past 12 months, about how often did you use the following for payi 2195 10586 1 Proceed 2195 Sysmiss 10586 I.22.2a Cash 2194 10587 1 Never 193 2 Daily 713 3 Weekly 237 4 Monthly 928 5 Less often than monthly 123 Sysmiss 10587 I.22.2b ATM / Debit card 2194 10587 1 Never 1607 2 Daily 20 3 Weekly 89 4 Monthly 380 5 Less often than monthly 98 Sysmiss 10587 I.22.2c Credit card 2194 10587 1 Never 2054 2 Daily 8 3 Weekly 15 4 Monthly 71 5 Less often than monthly 46 Sysmiss 10587 I.22.2d Bank transfer 2194 10587 1 Never 1793 2 Daily 9 3 Weekly 35 4 Monthly 254 5 Less often than monthly 103 Sysmiss 10587 I.22.2e Mobile money 2194 10587 1 Never 594 2 Daily 197 3 Weekly 554 4 Monthly 670 5 Less often than monthly 179 Sysmiss 10587 J1_S. Specify other group 0 0 J.3.1_S. Specify the main reason you belong to a chilimba/savings group. 33 0 Buy things/property 1 FOR SAVING 1 Its flexible to save with 1 NO INTEREST CHARGES 1 Saving money 1 To heip My Husband when he runout of money 1 To help with expenses 1 boost business 1 cause of farming issues 1 find money to use for oders 1 for finacial assistance 1 for saving 1 for savings 1 has low charges 1 helps me farming implements 1 intrest rate is good 1 it gives me interest 1 1 it helps meet my needs 1 it's beneficial and helpful 1 no savings group 1 none 1 not having enoug money 1 provides bulk cash to help with business 1 raise money for construction 1 save some moneybto help husbands short falls 1 since there is no any near mobile money service 1 there is alot of profit 1 to have more money 1 to help incase of emergency 1 to help me buy things 1 to save money 1 want to have a lamp sum of money 1 J.3.2_S. Specify any other reason why you belong to a chilimba/savings group. 0 0 GROUPS.1: Groups 12706 75 1 Chilimba 12706 2 Savings group 0 3 Village bank 0 Sysmiss 75 J1_1.1: J.1.1 Do you currently belong to a Chilimba? 12626 155 1 Yes 802 2 No 11824 Sysmiss 155 J1_2.1: J.1.2 How many groups do you belong to? 802 11979 0 2 1 662 2 64 3 18 4 10 5 6 6 4 7 2 8 2 9 1 10 11 11 1 18 1 20 6 25 1 30 4 50 5 61 1 63 1 Sysmiss 11979 J1_3.1: J.1.3 Did you belong to such a group previously? 11824 957 1 Yes 293 2 No 11531 Sysmiss 957 J2.1: J.2 Main reason you don?t belong to such a group? 11531 1250 1 I get the services they offer from financial institutions su 113 2 I save money on my mobile phone 726 3 Don?t have any money to save 3120 4 Don?t have enough money to save 2320 5 Share amount/share price is too high 18 6 Share amount is too low 71 7 There are no such groups in the community 2559 8 Their activities are too time consuming 142 9 Don?t trust them 879 10 I see no benefits for me in what they have to offer 923 11 Other, specify 660 Sysmiss 1250 J2_S.1: J.2_S. Specify the main reason you don?t belong to such a group. 660 0 "Dont get any money to bevin such". 1 "he is still schooling" 1 "nothing" 1 Age can not allow 1 Aged 1 Am held up with school work 1 Am scared 1 Avoid aguments 1 Avoiding disputes 1 Business too hard nowdays 1 CANT BE ALLOWED 1 CHILIMBA DOENT HAVE INTEREST 1 CHILIMBA IS FOR WOMEN 1 Cant get any money of my own 1 DO NOT EXIST 1 DO NOT HAVE ENOUGH MONEY 1 DO NOT WANT 1 DON'T WANT TO 1 DONT HAVE ENOUGH ENOUGH MONEY FOR IT 1 DONT HAVE ENOUGH MONEY TO SAVE 1 DONT NEED THEM 1 DONT TRUST PEOPLE WITH MONEY 1 DONT TRUST THEM 1 DONT WANT TO 1 DUE TO HEALTH ISSUES RESPONDENT IS ENABLE TO JOIN 1 Did not borrow 1 Don't have money to save 1 Don't know about it 1 Don't need it 1 Dont know about it 1 Dont know how it works 1 Dont pay attention 1 HAVE AIRTEL MONEY ALREADY 1 Hasn't been picked to join one. 1 I DONT JUST WANT TO BELONG TO THEM 1 I DONT KNOW IT 1 I DONT NEED IT 1 I FEEL AM TOO YOUNG TO JOIN THEM 1 I HAVE NO MONEY 2 I SAVE IN MY MOBLE PHONE 1 I am too young 1 I belong to another group 1 I belong to village bank 1 I dont understand it 1 I dont use 1 I have a village bank account 1 I have no interest 1 I joined village banking 1 I save money at home 1 I'm in another group 1 IAM PLANNING TO JOIN SOON 1 IHAVE LIMITED MONEY 1 IT WAS DIFFCULT FOR THE GROUP TO GIVE HER MONEY 1 ITS NOT COMMON 1 ITS NOT HERE 1 In savings group 1 It's for ladies 1 It's for women 1 It,s for ladies 1 JUST DNT WANT 1 JUST DON'T WANT 1 JUST DONT WANT 1 Just not joined 1 LOST MY JOB AND CANNOT SAVE ANYMORE 1 NO ALLOWED 1 NO ENOUGH M!ONEY 1 NO GROUPS IN MY AREA 1 NO INCOME 1 NO MONEY 3 NO ONE DOES CHILIMBA HERE 1 NO SPECIFIC REASON 2 NO TIME 1 NOT APPLICABLE 2 NOT AVAILABLE HERE 1 NOT COMMON 1 NOT COMMON HERE 1 NOT INTERESTED 2 No Income 2 No chilimba in my community 1 No income 2 No people to do it with 1 No proper income 1 No reason 2 No source of income 1 No source of income, am just a dependant 1 No specific reason 3 No such 1 No such groupd in the community 1 No such groups 1 Not Applicable 1 Not Employed 1 Not interested 3 Not intrested 2 Nothing 1 Old for that 1 People are seclusive when putting people in groups 1 People refuse to join 1 Respondant has a bank account 1 Respondant is Not Ready 1 Respondent is still in school 1 SCARED OF IT 1 SCARED OF NOT BEING ABlE TO PAY BACK ON TIME 1 SHE DEPENDS ON THE SON AND DAUGHTER FOR SUPPORT. 1 STILL YOUNG 1 STOPED USING 1 Save in property and business stocks 1 Saves using village banking 1 Scared things to be taken 1 She has no interest in them 1 Still a student 1 Still focusing on school 1 Still not available in the community 1 THERE IS NO CHILIMBA IN AREA 1 The groups respondant is involed in are to many. 1 The members belong to a groupnof families of i am 1 They are for women in this village 1 They give too much pressure. 1 They have not started 1 Too old 2 Too old for such 1 Too old for such activites. 1 afraid of being arrested while using chilimba 1 aged 1 aged who dont underdstand 1 alot of them are drunkers 1 already saving with a cooperative 1 am busy 1 am in another group 2 am not interested 1 am not usually home,so i find it hard to join 1 am now old for such activities 1 am old i cant manage 1 am schooling i dont work no money to save 1 am stil at school 1 am still a dependant 1 am still young and am not yet of age 1 am too old for that 1 am with other group 1 am young 1 available groups are women only 1 avoid problems 1 because chilimba is only for educated people 1 because my wife is a already a member 1 because of old age and lack of money 1 belong to SILC 1 belong to another 1 belong to another savings group 1 belong to other groups 1 belong to savings group 1 belong to savings group (silk) 1 busy with school 2 camr here recentlynand i havent searchednfor a one 1 cant afford to contribute money the group 1 cant efford 1 chilimba is available 1 chilimba savings is for ladies 1 client was in another group 1 community members dont count me in 1 currently doesnt have a source of income 1 didn't want to join 1 didnt want to be inconvienced 1 difficulty in getting money 1 disappointed in them 1 do not have money 1 do not have money to save 1 do not know how do it 1 do not know were to find these groups 1 do not want it 1 do not want problems 1 do'nt have money 1 do'nt have money to save 1 does not apply 1 does not know how it works 1 does not want 2 doesnt know what it is 1 doesnt like it 1 don't have an income 1 don't have money 1 don't know 1 don't know about it 2 don't know it 1 don't know such groups 1 don't want 1 dont belong to any 1 dont get income 1 dont have any income 1 dont have enough information about it 1 dont have money 5 dont have money for saving 1 dont have such group here 1 dont have that 1 dont have time 1 dont just want 1 dont know anything about it 1 dont know how it works 3 dont know if it exists in the community 1 dont know it 4 dont know poeple doing that 1 dont know what it is 1 dont know where to join 1 dont need the services they offer 1 dont want 5 dontknow how it works 1 due to difficulties i have in getting money 1 feel like I am too young to get involved in such 1 for old people 1 for women 1 found very far 1 full 1 groups are full 1 groups have just started now 1 has never heard about it 1 has no phone 1 have a Bank account 1 have done it before 1 have never thought about it 1 have no business to enhance my participation 1 have no idea of such 1 have no interest 1 haven't thought about it 1 havent been written in any 1 havent thought about it 1 he is still young 1 i already belong to a group 1 i already belong to a village banking group 1 i already have the other 1 i am a member of a savings group already 1 i am not of age to join chilimba 1 i am old and i can't join them 1 i am still young 1 i am too young to join 1 i avoid comfusions and gosipping. 1 i belong to a silk group 1 i belong to a village bank 1 i belong to silk 1 i belong to village bank 1 i cant because of pending loan 1 i do not have enough money 1 i do not have interest in joining these 1 i do not have money 2 i do not have money to save 2 i do not understand the benefit 1 i don't have an income 1 i don't have money 3 i don't know 1 i don't know where to do it from 1 i don't like it 1 i don't need it as i have mo enough income 1 i don't time because am a full student 1 i don't trust them 1 i don't want 1 i don't want yo be in many saving groups 1 i don,'t 1 i dont have a phone 1 i dont have enough income to meet up to the contri 1 i dont have money 1 i dont have money to save 2 i dont know 1 i dont know about chilimba 1 i dont know how it works 1 i dont know how its works 1 i dont know it 1 i dont know them 1 i dont know where to get it 1 i dont like it 4 i dont need to belong to such at now 1 i dont now how it works 1 i dont pay attention to them 1 i dont want 2 i dont want to 1 i get these services from other 1 i have bank mukonde(village bank) 1 i have never done it before 1 i have never heard about it 2 i have no capital 1 i have no chance of joining 1 i have no income 1 i have no money to save 2 i have not decided 1 i have not decided to 1 i have village banking 1 i just dont 1 i just dont want 2 i never heard about it 1 i prefer saving on my own 1 i save at home 1 i save in my bank account 1 i save the money in the house 1 i stoped no trust 1 i want to but money is a challenge 1 iam new in this community 1 im sick 1 im too young 1 im young for this 1 in another form of group 1 in school 1 it doesnt go anyway 1 it is done sectretely 1 it is for women 1 it is mostly for women 1 it is not around 1 it is one way of avoiding misunderstangi 1 it may lead to comflict 1 it takes long to getvyour money 1 its for women 2 its just the same with using the bank 1 its not in the area 1 its not in the village 1 ive never heard of it 1 just discussed not yet started group 1 just dont feel the need to as at now 1 just dont want 2 just dont want to 1 just preference 1 lack of consistance 1 lack of interest 1 lack of knowledge 1 lack of knowledge on how it works 1 1 lt's for women 1 mainly for women 1 meant for women 1 might loose my money 1 mostly done by women 1 mostly for women 1 my health status not good 1 my wife can join 1 my wife does this 1 my wife his the one who belongs to chilimba 1 never around during registration 1 never heard 1 never heard it 1 never heard of ir 1 never heard of it 6 never heard of such 1 never wanted to 1 new in the area 1 no benefit 1 no chilimba 2 no chilimba group 1 no chilimba groups 1 no contact 1 no group in my community 1 no group in the community 1 no groups 1 no groups in my area 2 no groups in my community 1 no groups in the community 1 no groups yet in the community 1 no idea 2 no idea about it 1 no idea of such 1 no idea what that is 1 no income 1 no interest 12 no interest with it 1 no intrest 1 no money 8 no money for contributions 1 no money to pay back 1 no money to save 6 no need 1 no one aproach me 1 no one does this in the community 1 no one had introduced it 1 no one is doing it in the community 1 no one is interested 1 no profit 1 no reason 8 no reasons 1 no regisrered 1 no security 1 no specific reason 13 no such groups 1 no such groups around 1 no such groups here 1 no such groups inbmy community 1 no such services or groups 1 no such things nearby 1 no trust 2 none 8 not allowed 1 not aplicable 1 not applicable 6 not applicaple 1 not available 5 not available and lack of knowledge 1 not available here 1 not common in the community 1 not enough money 1 not good 2 not interested 10 not intersted in it 1 not intrested 2 not invited yet 1 not just interested 1 not near by 1 not now 1 not nterested 1 not ready 2 not want 1 not yet decided 1 not yet ready 1 not. interested 1 nothing 23 old age 1 only for women 1 others don't want me to join from the group 1 people are not united in starting 1 people chose who they can and cant include in such 1 people have no knowledge about it 1 people with saving never let us join when we ask 1 poverty 1 prefer to save 1 prefere keeping money for my self 1 problems 1 redpondant has airtel money 1 refused by the husband 1 religious reasons 1 rely on her mother 1 respondant does not have money 1 respondent has no money 1 respondent is still young 1 save at home 2 save money with a saving group 1 save money with saving group 1 save with a village bank 1 save with saving group 1 scared to belong to one group 1 school girl 1 services not available 1 she is not interested 1 she is not interested and don't trust them 1 spent most of the time at school 1 spouse doesnt allow 1 still a school girl, no income 1 still at school 2 still at school have no need for it 1 still att the college 1 still schooling 1 still thinking about it 1 still young 4 student 2 such groups do not exist 1 the group failed to work 1 the group is full 2 the respondent is a pantient hence has no access 1 their is no chilimba in our community 1 there are groups found the the community anymore 1 there are no groups 1 there are no groups where i can join to 1 there are no such 1 there are no such groups 4 there are no such groups here 1 there are no such services 1 there is no chilimba 1 there is no chilimba here 1 there is no such a group in my community 1 there is no such chilimba here 1 there is no such chillimba 1 there is no such here 1 there is only one chilimba group 1 therebwas no formed group in my area 1 thers is no chilimba here 1 they are not available 1 they are not reliable 1 they choose who should be in the group. 1 they choose who to join 1 they do not have chilimba here 1 they dont exist 1 they dont know me 1 they dont offer it here 1 they is no chilimba in our community 1 they no saving groups 1 they were wasting my time 1 this is when such groups are coming in my com 1 this service is not available 1 those are for women 1 too old 1 too old for sure groups 1 too old for that 1 too old for this 1 too old to belong to such groups 1 too old to join 1 too old to join any club 1 too young to join 1 too young to join the group 1 trust i cant trust 1 usually have confusions 1 very far from where i live 1 waiting for next round to start 1 waiting for rotation to restart 1 we do not any thing about it 1 we dont do it here 1 we dont have chulimba in our area 1 we dont have such groups here 1 we dont know how it works 1 we dont know it 1 we had a group now it has finished 1 we have nno knowledge about it 1 where to get money to join 1 will soon sart 1 young 1 J3_1.1: J.3.1 Main reason why you belong to a chilimba/savings group(s)/village 802 11979 1 To socialise or meet friends/to network 36 2 They give financial advice 39 3 They give information on matters such as education, health, 4 4 Can turn to them when in financial need 110 5 Can get access to money in case of loss or emergency/access 60 6 To borrow money 32 7 To save money 459 8 I trust the members with my money 9 9 Inherited membership 0 10 It is compulsory/expected of me 0 11 It forces me to save 31 12 Other, specify 22 Sysmiss 11979 J3_2.1: J.3.2 Are there any other reasons why you belong to a chilimba/savings g 802 0 1 47 11 70 12 48 2 72 3 8 4 85 5 56 6 59 7 323 8 33 9 1 J4_1.1: J.4.1 Which of the following do you do with the group(s) you belong to? 799 0 1 522 12 79 123 11 13 80 2 46 23 1 3 60 J4_2.1: J.4.2 Do you ...? 666 0 1 285 12 58 123 6 1234 6 124 14 13 10 134 2 14 17 2 76 23 4 234 1 24 4 3 49 34 5 4 129 J5_1.1: J.5.1 Are any of the groups you belong to registered? 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 J5_2.1: J.5.2 Does any of the groups you belong to have a bank account? 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 J5_3.1: J.5.3 Does any of the groups you belong to use mobile money to store mon 0 12781 1 Yes 0 2 No 0 Sysmiss 12781 J5_4.1: J.5.4 Does any of the groups you belong to use mobile money to receive m 802 11979 1 Yes 179 2 No 623 Sysmiss 11979 J5_5.1: J.5.5 Do you use mobile money to make your contribution to any of the gr 802 11979 1 Yes 173 2 No 629 Sysmiss 11979 802 11979 0 50000 750.542 2287.724 802 11979 0 12000 641.849 1185.255 J6_2.1: J.6.2 How often do you contribute to this chilimba/group? 802 11979 1 Daily 110 2 Every Week 190 3 Twice a month 77 4 Once a month 399 5 Other specify 26 Sysmiss 11979 J6_2_S.1: J.6.2_S. Specify how often you contribute to this chilimba group. 26 0 14 days 1 AFTER TWO DAYS 1 After two days 1 DAILY k20 AND EVERYWEEK k130 1 EVERY 6 MONTHS 1 LAST TWO MONTHS 1 SIX MONTHS 1 WHEN I HAVE MONEY 1 WHEN I HAVE SOMETHING TO CONTRIBUTE 1 WHEN U HAVE 1 WHENEVER THE RESPONDENT GETS MONEY 1 after 3months 1 every 3 days 1 every 6 months 1 every after three days 1 every month 1 every two days 1 everyday/ monthly 1 joined today 1 no specific plan 1 not in any 1 once 1 three months 1 three times 1 twice a week 1 when i find money 1 GROUPS.2: Groups 12626 155 1 Chilimba 0 2 Savings group 12626 3 Village bank 0 Sysmiss 155 J1_1.2: J.1.1 Do you currently belong to any of the following? Read out 12625 156 1 Yes 592 2 No 12033 Sysmiss 156 J1_2.2: J.1.2 How many groups do you belong to? 592 12189 0 2 1 529 2 33 3 7 4 1 6 1 7 1 8 1 10 1 15 2 18 2 20 8 21 1 50 3 Sysmiss 12189 J1_3.2: J.1.3 Did you belong to such a group previously? 12033 748 1 Yes 125 2 No 11908 Sysmiss 748 J2.2: J.2 Main reason you don?t belong to such a group? 11908 873 1 I get the services they offer from financial institutions su 120 2 I save money on my mobile phone 768 3 Don?t have any money to save 3075 4 Don?t have enough money to save 2722 5 Share amount/share price is too high 32 6 Share amount is too low 45 7 There are no such groups in the community 2676 8 Their activities are too time consuming 127 9 Don?t trust them 822 10 I see no benefits for me in what they have to offer 893 11 Other, specify 628 Sysmiss 873 J2_S.2: J.2_S. Specify the main reason you don?t belong to such a group. 628 0 "Am still in school and doesnt gain any income". 1 AM ALREDY WITH CHILMBA 1 Age can not allow 1 Aged 1 Am just a pupuil and no income coming 1 Am scared 1 Business not doing fine 1 CAN'T BE IN A LOT OF GROUPS 1 CANNOT BE ALLOWED 1 DO NOT EXIST 4 DO NOT HAVE ENOUGH MONEY 1 DO NOT WANT JUST 1 DOESN,T EXIST 1 DOESNT EXIST 2 DONT HAVE ENOUGH CASH FOR IT 1 DONT HAVE MUCH INFORMATION ON SAVINGS GROUP 1 DONT WANT 1 DUE TO HEALTH ISSUES RESPONDENT IS ENABLE TO JOIN 1 Don't know about it 1 Don't know about them. 1 Don't know what tha they are. 1 Dont have much information 1 Dont have the necessary documents 1 Dont know how start 1 Dont pay attention 1 FAMILY SAVINGS 1 HAVE AIRTEL MONEY ALREADY 1 Has never heard about it. 1 1 Have no idea what it is 1 Have not agreed as couple. 1 Haven't heard about them. 1 I BELONG TO CHILIMBA ONLY 1 I DONT HAVE ENOUGH MONEY TO SAVE 1 I DONT NEED IT 1 I FEEL I AM TOO YOUNG TO JOIN THEM 1 I HAVE NO MONEY 1 I HAVE NOT HEARD OF IT 1 I HAVEVNO MONEY 1 I SAVE WITH OTHER GROUPS 1 I USE CHILIMBA 1 I USE CHILIMBA AND MOBILE 1 I already have savings with chilimba 1 I dont trust them, had a bad experience. 1 I dont understand it 1 I have not just registered 1 IAM PLANNING TO JOIN CHILIMBA SAVINGS 1 INTENDS TO JOIN A SAVING GROUP 1 ITS NOT DONE HERE 1 Ive not yet been given access to such groups 1 JUST DON'T WANT 1 Just not joined 1 NEVER HEARD 1 NO GROUPS IN MY AREA 1 NO INCOME 1 NO MONEY 1 NO MUCH INFORMATION 1 NO NEED 1 NO REASON 2 NO REASON GIVEN 1 NO TIME 1 NOT ALLOWED 1 NOT AVAILABLE 1 NOT COMMON 2 NOT COMMON HERE 1 NOT IN SAVINGS GROUP 1 NOT INTERESTED 1 NOT INTERESTED IN SAVINGS GROUPS 1 Need to first be educated on how it works 1 Never heard of them 1 No Income 1 No come coming to join such groups 1 No income 2 No money to save 1 No proper income 2 No reason 2 No specific reason 6 No such 1 No such groups 1 No such groups here 1 Not Applicable 1 Not interested 4 Not intrested 1 Nothing 2 Old for that 1 Respondant has a bank account 1 Respondent is already commited to Chilimba. 1 Respondent is already commited to another group 1 Respondent is already commited. 1 Respondent is occupied with school. 1 SAVE MONEY IN MONEY 1 SHE HAS NO KNOWLEDGE OF SAVINGS GROUP. 1 STILL YOUNG 1 Save in property and business stocks 1 Sickness struck me 1 Spouse is a member 1 Still a student 1 Still focusing on school 1 THERE IS NO SUCH IN THIS AREA 1 The members belong to a groupnof families of i am 1 They have been disbanded upon the onset of covid. 1 Thought its meant for women 1 Too old 3 Too old to participate in such groups. 1 Use mobile money 1 Uses Chilimba 1 Young 1 aged 1 1 already belong to a chilimba group 1 already doing chilimba 1 already in a chilimba 1 already in chilimba 1 already saving elsewhere 1 already saving in a chilimba 1 am not always available in a community 1 am not usually home,i find it hard to join 1 am old for such activities 1 am stil at school 1 am still a dependant 1 am too busy 1 available groupings are women 1 avoid aguments 1 because my wife is a already a member 1 because of old age and lack of money 1 because they only allow woman to join 1 belong ro village bank 1 belong to another group 1 belong to chilimba 1 belong to chilimba group 1 belong to chimba 1 business is down 1 busy with school 2 cant manage 1 cant manage to be in many groups 1 chilimba group is enough 1 chilimba is sufficient 1 complications 1 didn't want to join 1 do not have money 1 do not havve money to save 1 do not know 1 do not know how it works 1 do not think they exisist in this area 1 do not want problems 1 do'nt have money 1 do'nt have money to save 1 does not apply 1 does not belong to any savings group 1 does not know the benefits 1 does not know what it is 1 does not want 2 doesnt earn any income 1 doesnt have any idea 1 1 doesnt know any 1 doesnt like it 1 don't exist in this village 1 don't have money 1 don't know 1 don't know about it 1 don't know how it works 1 don't know what they are 1 don't want 1 dont aplicable in the community 1 dont belong to any 2 dont belong to any savings group 1 dont get income 1 dont ha ve information about it 1 dont have a reason 1 dont have any specific reason 1 dont have enough knowledge 1 dont have enough moneybto save 1 dont have money 8 dont have money of my own 1 dont have money to contribute to the group 1 dont have proper knowledge of how it works 1 dont have savings group in our community 1 dont have time 1 dont know 1 dont know about them 2 dont know abuot it 1 dont know how it works 3 dont know how it works very well 1 dont know how they operate 1 dont know how they work 1 dont know it 3 dont know much about it 1 dont know much about them 1 dont know of any 1 dont know such groups 1 dont know what it is 2 dont know where they opperate from 1 dont know where to find them 1 dont need one now 1 dont trust them 1 dont use them 1 dont want 3 dont want already doing vilage banking 1 dont work 1 found very far 1 full 1 groups slay from original purpose 1 has no idea about 1 has no time for such due to illness 1 has not yet decided to do so 1 have no income 1 have no interest 1 have no money 1 have not head about such groups 1 have not known how it works 1 have pending loan 1 have to found any. 1 havent been admitted in any group by the leaders 1 havent been here for long and yet to know about th 1 he don' t know 1 he found the group was full when he wanted to join 1 he said am young 1 i am a member of a chilimba already 1 i am not prepared 1 i am okay with chilimba group 1 i am still young hence i dont have money 1 i belong to a silk group 1 i belong to chilimba 3 i belong to village bank 1 i cant manage 1 i didnt have a NRC to join the ground 1 i dint like it 1 i do chilimba 2 i do not belong to any saving group 1 i do not have interest in joining these 1 i do not have money 2 i do not have money to save 1 i don't have an income 1 i don't have money 1 i don't know 2 i don't know how it works 6 i don't want to be in too many savings groups 1 i don't what it is 1 1 i dont belong to any group 1 i dont have !oney to joine one 1 i dont have a phone 1 i dont have money 2 i dont how to join this group 1 i dont know 1 i dont know anything about it 1 i dont know how it workd 1 i dont know how it works 1 i dont know it 1 i dont know them 1 i dont like 1 i dont like it 1 i dont trust it 1 i dont trust them 1 i dont want 4 i dont want problems 1 i dont wantt 1 i have a bank account 2 i have already 1 i have another group 1 i have enough saving options 1 i have never heard about it 1 i have no job 1 i have no money 1 i have no money to save 3 i have not decided 2 i have villiage banking 1 i joined village banking 1 i just didn't want 1 i just do not want 1 i just dont feel like 1 i never heard about it 2 i never heard of such 1 i no money to save 1 i save at home 1 i see no profit. 1 i spend most of my time in school 1 i was away 1 i'm alreadynin a chilimba group 1 iam new in this community 1 im aged why should i join saving groups 1 im in another group 1 im sick 1 im too young 1 im young 1 in dont know them 1 it is for women 1 it not available 1 it wasn't there, only recently started 1 its far from where i live 1 its for elder people 1 its was closed from the time world Vision left 1 just doesnt want 1 just dont want 1 just dont want to 1 l have been refused by the group to join them 1 lack of enough funds 1 lack of interest 1 lack of knowledge on the benefits of it 1 leaders are selfish 1 lt's for women 1 mainly for women in our communities 1 meant for women only 1 might loose my money 1 mostly done by women 1 my health status not good 1 never heard 1 never heard of any 3 never heard of it 7 never heard of such 1 never heard of them 3 new in the area 1 no a member 1 no adequate information 1 no benefit 1 no chilimba groups 1 no contact 1 no enough money 1 no group in my area 1 no group in my community 1 no group in the community 2 no groups around 1 no groups in my area 1 no groups in the community 2 no idea 2 no income 1 no interest 11 no knowledge about it 1 no money 7 no money to pay back 1 no money to save 3 no nrc 1 no one does this in the community 1 no one is interested 1 no reason 10 no savings group 1 no savings group here 1 no security 1 no space for new membership 1 no specific reason 10 no such group im my community 1 no such groups 1 no such groups around 1 no such groups here 1 no such groups in my area 1 no such groups in my community 1 no such groups in the community 1 no such things nearby 1 no trust 1 nochilimba group 1 none 16 not allowed 1 not aplicable 1 not applicable 7 not available 7 not available here 1 not available in the community 1 not aware about it 1 not eegistered 1 not enough funds 1 not found here 1 not in proper employment 1 not in the area 1 not in the village 1 not interested 7 not intrested 2 not invited yet 1 not now 1 not ready 2 not settled to join the group 1 not up to date with the community 1 not yet ready 1 not yet ready to join 1 nothing 25 okay with chilimba 1 old age 1 only knew them today 1 only women 1 others dont want me to join 1 people chose who they can and cant include in such 1 people never lets join when we need to 1 plans to going 1 prefere keeping money to my self 1 preffers to invest money in business 1 respondant has airtel money 1 respondent does not earn an income 1 respondent does not have a reason 1 save at home 2 save in my house 1 save money in my house 1 save on mobile phone 1 save with a village bank 1 save with village bank 1 saves using village banking 1 saving groups just started 1 savings not available 1 school boy 1 school girl 1 service not available 1 services not provided in the community 1 she is still at school and does rely on her parent 1 she uses it 1 some dont pay 1 spounce refuses me to join any savings group 1 spouse doesnt allow 1 spouse refused 1 still at school 1 still at school have no need for it 1 still at the college 1 still dependant 1 still schooling 1 still schooling. 1 still want to know more about it 1 still young 4 still young because am in school 1 student 2 such groups do not exist here 1 the group is full 1 the group was full 1 the saving groups are full 1 the time i wanted to join the group was closed 1 there are a lot of members 1 there are no groups to join to 1 there are no groups where i can join to 1 there are no such 1 there are no such groups 1 there are no such groups for men 1 there are no such groups here 1 there is no saving groups 1 there is nun here 1 there no such groupings in our village 1 they are just the same as banks 1 they do not exits 1 they do not have here 1 they dont like putting me 1 they no saving groups 1 they select each other 1 this is when such groups are coming in my com 1 this time l dont trust them 1 too buzy 1 too old 4 too old for sure groups 1 too old for that 1 too old to join any club 1 unavailable on registration day 1 waiting for next round to start 1 waiting for the next round 1 we do not have them here 1 we dont have it here 1 we dont have such groupings here 1 we dont have them in our community 1 yet to join 1 young 1 young for such services 1 J3_1.2: J.3.1 Main reason why you belong to a chilimba/savings group(s)/village 592 12189 1 To socialise or meet friends/to network 32 2 They give financial advice 47 3 They give information on matters such as education, health, 4 4 Can turn to them when in financial need 116 5 Can get access to money in case of loss or emergency/access 56 6 To borrow money 43 7 To save money 268 8 I trust the members with my money 9 9 Inherited membership 0 10 It is compulsory/expected of me 0 11 It forces me to save 8 12 Other, specify 9 Sysmiss 12189 J3_2.2: J.3.2 Are there any other reasons why you belong to a chilimba/savings g 592 0 1 39 10 2 11 32 12 32 2 55 3 3 4 65 5 48 6 92 7 205 8 19 J4_1.2: J.4.1 Which of the following do you do with the group(s) you belong to? 590 0 1 211 12 215 123 12 1234 7 124 47 13 19 134 6 14 12 2 47 23 1 3 5 4 8 J4_2.2: J.4.2 Do you ...? 550 0 1 282 12 93 123 16 1234 9 124 13 13 13 134 1 14 10 2 43 23 6 24 3 3 27 34 4 4 30 J5_1.2: J.5.1 Are any of the groups you belong to registered? 592 12189 1 Yes 254 2 No 338 Sysmiss 12189 J5_2.2: J.5.2 Does any of the groups you belong to have a bank account? 592 12189 1 Yes 101 2 No 491 Sysmiss 12189 J5_3.2: J.5.3 Does any of the groups you belong to use mobile money to store mon 592 12189 1 Yes 104 2 No 488 Sysmiss 12189 J5_4.2: J.5.4 Does any of the groups you belong to use mobile money to receive m 592 12189 1 Yes 128 2 No 464 Sysmiss 12189 J5_5.2: J.5.5 Do you use mobile money to make your contribution to any of the gr 592 12189 1 Yes 103 2 No 489 Sysmiss 12189 592 12189 0 27000 772.99 2043.528 592 12189 0 50000 698.054 2471.278 J6_2.2: J.6.2 How often do you contribute to this chilimba/group? 592 12189 1 Daily 4 2 Every Week 219 3 Twice a month 91 4 Once a month 266 5 Other specify 12 Sysmiss 12189 J6_2_S.2: J.6.2_S. Specify how often you contribute to this chilimba group. 12 0 Once a year for membership 1 annually 2 every month 2 evry after one month 1 have not saved any money yet 1 once a year 2 once in year 1 per year 1 when she has available money 1 GROUPS.3: Groups 12624 157 1 Chilimba 0 2 Savings group 0 3 Village bank 12624 Sysmiss 157 J1_1.3: J.1.1 Do you currently belong to any of the following? Read out 12624 157 1 Yes 270 2 No 12354 Sysmiss 157 J1_2.3: J.1.2 How many groups do you belong to? 270 12511 0 3 1 244 2 8 3 2 5 4 17 1 18 1 20 1 22 1 28 1 30 2 50 2 Sysmiss 12511 J1_3.3: J.1.3 Did you belong to such a group previously? 12354 427 1 Yes 81 2 No 12273 Sysmiss 427 J2.3: J.2 Main reason you don?t belong to such a group? 12273 508 1 I get the services they offer from financial institutions su 121 2 I save money on my mobile phone 754 3 Don?t have any money to save 2932 4 Don?t have enough money to save 2717 5 Share amount/share price is too high 28 6 Share amount is too low 33 7 There are no such groups in the community 3241 8 Their activities are too time consuming 143 9 Don?t trust them 841 10 I see no benefits for me in what they have to offer 850 11 Other, specify 613 Sysmiss 508 J2_S.3: J.2_S. Specify the main reason you don?t belong to such a group. 613 0 "she does rely on her parents" 1 Age can not allow 1 Aged 1 Am already committed to other groups. 1 Am just a pupil no income coming 1 Am scared 1 BECAUSE OF GENDER MOSTLY WOMEN GROUPS 1 BELONG TO ANOTHER GROUP 1 BO VILLAGE BANKING GROUP IN MY AREA 1 DO NOT EXIST 4 DO NOT HAVE ENOUGH MONEY 1 DO NOT KNOW WHAT VILAGE BANK IS 1 DO NOT WANT JUST 1 DOES,NT EXIT 1 DOESN,T EXIST 1 DOESNT EXIST 1 DONT HAVE ADEQUATE INFORMATION ON THEM 1 DONT HAVE ENOUGH MONEY TO AFFORD IT 1 DONT HAVE MUCH INFO 1 DONT HAVE MUCH INFOMATION 1 DONT HAVE MUCH INFORMATION 1 DONT HAVE MUCH INFORMATION ON VILLAGE BANK. 1 DONT KNOW ABOUT THEM 1 DONT WANT 1 Don't know about village banking 1 Don't know it 1 Dont have money to join the group 1 Dont know 1 Dont know how it works 2 Dont pay attention 1 Felt sick 1 HAVE AIRTEL MONEY ALREADY 1 HAVENT HEARD OF THEM 1 HEALTH ISSUES 1 Husband has already joined 1 I DONT HAVE ENOUGH MONEY TO SAVE 1 I DONT NEED IT 1 I HAVE NEVER HEARD 1 I HAVE NO MONEY 2 I SAVE MONEY ON MOBILE MONEY 1 I belong to otjer groups 1 I do not. have much knowledge 1 I dont understand how it work 1 I dont understand it 1 I have no idea of how it works 1 ITS NOT DONE HERE 1 Iam already in the other two groups which is enoug 1 In savings group 1 It is mostly done by men. 1 Its not available in our community. 1 JUST DON'T WANT 2 Like I said, am just a dependant". "Unless you ask 1 NEVER HE!RD 1 NEVER HEARD 1 NO MONEY 1 NO MONEY FOR THE SERVICE 1 NO MUCH INFORMATION 1 NO SPECIFIC REASON 1 NO TIME 1 NOT AVAILABLE HERE 1 NOT AVAILABLE WHEN IT WAS BEING FORMED 1 NOT COMMON 2 NOT COMMON HERE 1 NOT INTERESTED 1 Never heard 1 1 No income 4 No money to save 1 No proper income 1 No reason 3 No soecific reason 1 No specific reason 2 No such groups here 1 Norhing 1 Not Applicable 1 Not in the community 1 Not interested 2 Not intrested 1 Nothing 1 Old For That 1 People are not willing to start 1 Respondant has a bank account 1 Respondent is already commited to Chilimba. 1 Respondent is occupied with school 1 STILL AT SCH 1 STILL YOUNG 1 Still at school 1 THERE IS NO SUCH IN THIS AREA 1 The members belong to a groupnof families of i am 1 The respondant is committed to the savings group 1 They are for women in this village 1 They are not common 1 They only pick people with high income. 1 Too old 2 Too old to participate in this activity. 1 Was sick 1 With another group 1 aged 1 akready in a chilimba group 1 already belong to a chilimba group 1 already belong to chilimba 1 already in another savings group 1 already in chilimba 2 already saving elsewhere 1 already with a saving group 1 am broke 1 am in another group 1 am not sure 1 am not usually home 1 am old 1 am stil atschool 1 am too old 1 am young 1 are already in agroup 1 avoid aguments 1 because my wife is a already a member 1 because of old age and no money 1 because things do go well with this banking 1 belong to a chilimba group 2 belong to another group 1 belong to another saving group 1 belong to another savings group 1 belong to chilimba 1 belong to chimba 1 belong to other groups 1 belong to other saving groups 1 belong to savings group (silk) 1 busy with school 2 can only manage chilimba 1 cant afford to contribute to the group 1 cant do that due to illness 1 cant manage 1 chilimba 2 dependant 1 didn't want to join 1 didnt know about it 1 do not have money 1 do not have money to save 1 do not know 1 do not know about it 1 do not know what it is 1 do not want problems 1 does not apply 2 does not know 1 does not know about them 1 does not know what it is 1 does not want 1 doesnt like it 1 don't exist in this village 1 don't have money 1 don't know 1 don't know about them 1 don't know how it works 1 don't know village banking 1 don't want 2 don't want to 1 don't want to be in to many saving groups 1 dont get income 1 dont have a reson 1 dont have it 1 dont have money 6 dont have much information 1 dont have time 1 dont know about it 1 dont know how it works 1 dont know it 6 dont know such groups 1 dont know them 2 dont know what it is 1 dont knw any 2 dont konw 1 dont need one now 1 dont trust 2 dont understand how it works 1 dont want 3 feels as though its for women 1 found very far 1 group is full 1 groups slay frpm intended purpose 1 has not yet decieded to do so 1 have a pending loan to pay 1 have no interest in all 1 have no invome 1 have no much knowledge 1 have not head aout village bank 1 have not heard of it 2 have not just joined but interested in joining 1 have not yet head about it 1 have requested and haven't been gotten back to 1 1 heard peole dont return money they owe 1 hsve an account 1 i already belong to a savin group 1 i already belong to a savings group 1 i already belong to anothernsavings group 1 i already belong to one 1 i already have savings 1 i already save with another group 1 i belon to chilimba 1 i belong in another group 1 i belong to a savings group 1 i belong to a silk group 1 i belong to chilimba 3 i belong to something different 1 i cant manage to be in one- no time 1 i do chilimba 2 i do not have enough money 1 i do not have money to save 2 i do not know and it is done 1 i don' t know 1 i don't have an income 1 i don't have money 1 i don't know how it works 2 i don't know how they work 1 i don't save cash but save my farm products 1 1 i dont get any income to join 1 i dont have any knowledge about them 1 i dont have money 4 i dont have money to save 1 i dont know 1 i dont know anything about it 1 i dont know how its work 1 i dont know it 4 i dont know much about it 1 i dont know thee group 1 i dont know them 1 i dont knowbhow it works 1 i dont like it 2 i dont love it 1 i dont want 3 i dont want problems 1 i have a bank account 1 i have already 1 i have another group 1 i have enough options 1 i have issues that have to do with a group of peop 1 i have joined enough groups 1 i have never heard about it 1 i have never heard about them 1 i have no money to save 3 i have no reason to be part 1 i just don't want to 1 i just dont belong 1 i move a lot 1 i never thought of that 1 i want to be arrested 1 1 i'm aged 1 i'm already in another group 1 im sick 1 im still at school 1 im yougn still at school 1 im young 1 inavailable 1 is not available 1 its expensive 1 its for elder people 1 its for rich people in the community 1 its not nice 1 its not there 1 its not there in this place 1 just came back in the village 1 just don't want 1 just dont want 1 just dont want to 1 just dont want to join 1 keeping money for my self 1 lack of information 1 lack of knowledge on the benefits it has 1 lazy to try 1 little or insufficient knowledge 1 lt's for women 1 mainly done by women 1 meant for women only 1 might loose my money 1 mostly done women marketeers 1 my health status not good 1 my wife joined 1 never head 1 never head of it 1 never head of such groups 1 never heard about it 3 never heard of it 11 never heard of it till today 2 never heard of it until now 1 never heard of such 1 never heard of such groups 1 never heard of them 3 new in the area 1 no contact 1 no group 1 no group in my area 1 no group in my community 1 no groups in the community 2 no idea 2 no idea of such 1 no income 2 no interest 12 no iterest 1 no knowledge about it 1 no knowledge about them 1 no knowlegde about them 1 no money 9 no money to save 3 no nrc 1 no one does this in the community 1 no real reasons 1 no reason 10 no reasons 1 no security 1 no specific reason 11 no specific reason(hasn't thought about it) 1 no such group in tye 1 no such groups 1 no such groups around 1 no such groups here 2 no such groups in my community 1 no such things nearby 1 no trust 1 no village bank 1 no village bank available 1 no village bank in my community 2 no village banking 2 no village banking group 1 no village banking where i live 1 no. idea 1 none 14 not a member of the group 1 not allowed 1 not allowed to join such as a headman 1 not aplication 1 not applicable 7 not available 9 not available in the community 4 not aware 1 not aware how they perform 1 not aware of them 2 not commonly used by men 1 not decided 1 not employed 1 not enough funds 1 not found here 1 not in the area 1 not interested 9 not now 3 not prepared 1 not prepared to be in such groups 1 not ready 1 not sure 1 not sure of the benefits 1 not yet ready 1 nothing 26 nothing but one aproached me 1 okay with chilimba 1 old age 1 old for such activities 1 only women 1 others dont want me to join 1 people chose who they can and cant include in such 1 planning on starting 1 poverty 1 preffers to put money in business 1 respondant has airtel money 1 save with saving group 2 saving with other group 1 school boy 1 school girl 1 service not available 1 sevices are not worth 1 so such groups in my community 1 spouse doesnt allow 1 spouse refused 1 steal money 1 still at school 1 still at school have no need for it 1 still at shool 1 still at the college 1 still buying time 1 still want more knowledge about it 1 still young 3 still young for such services 1 student 2 such groups do not exist here 1 such village bank does not exist here 1 the are just the same as banks 1 the number of group members is limited 1 the way of avoiding misunderstanding 1 their are no village banking for men 1 there are no groups to join to 1 there are no such groupings for men 1 there are no such groups 1 there are no such groups here 1 there is no place to join here 1 there is no such a group in our community 1 there is no village banking 1 there is no village group in my area 1 there is not bank 1 there no such groupings in our village 1 there no such groups 1 there's no such groups in my area 1 they are no such groups in this community 1 they are too far 1 they do not exist 1 they do not have here 1 they dot oke putting me 1 this is when such groups are coming in my com 1 too buzy 1 too much conflicts 1 too old 3 too old for that 1 too old to join any club 1 village bank not available 1 village banking is not available 1 village banks are full 1 waiting to try it in the future 1 was not choosen to be part of the group 1 was not on the list 1 was refused as result of not registreing my name 1 we dont have it 2 we dont have it here 1 we dont have such here 1 we dont know how its operates 1 we engaged from silk only 1 we only sponser our wives 1 young 1 J3_1.3: J.3.1 Main reason why you belong to a chilimba/savings group(s)/village 270 12511 1 To socialise or meet friends/to network 11 2 They give financial advice 23 3 They give information on matters such as education, health, 6 4 Can turn to them when in financial need 50 5 Can get access to money in case of loss or emergency/access 24 6 To borrow money 28 7 To save money 118 8 I trust the members with my money 4 9 Inherited membership 0 10 It is compulsory/expected of me 0 11 It forces me to save 3 12 Other, specify 3 Sysmiss 12511 J3_2.3: J.3.2 Are there any other reasons why you belong to a chilimba/savings g 270 0 1 19 11 10 12 8 2 27 3 4 4 32 5 14 6 45 7 101 8 10 J4_1.3: J.4.1 Which of the following do you do with the group(s) you belong to? 269 0 1 72 12 135 123 8 13 3 2 44 23 2 3 5 J4_2.3: J.4.2 Do you ...? 242 0 1 127 12 40 123 9 1234 4 124 4 13 2 134 2 14 3 2 19 3 18 4 14 J5_1.3: J.5.1 Are any of the groups you belong to registered? 270 12511 1 Yes 116 2 No 154 Sysmiss 12511 J5_2.3: J.5.2 Does any of the groups you belong to have a bank account? 270 12511 1 Yes 53 2 No 217 Sysmiss 12511 J5_3.3: J.5.3 Does any of the groups you belong to use mobile money to store mon 270 12511 1 Yes 46 2 No 224 Sysmiss 12511 J5_4.3: J.5.4 Does any of the groups you belong to use mobile money to receive m 270 12511 1 Yes 52 2 No 218 Sysmiss 12511 J5_5.3: J.5.5 Do you use mobile money to make your contribution to any of the gr 270 12511 1 Yes 47 2 No 223 Sysmiss 12511 270 12511 0 50000 1054.589 3694.806 270 12511 0 204000 1559.115 12586.433 J6_2.3: J.6.2 How often do you contribute to this chilimba/group? 270 12511 1 Daily 1 2 Every Week 92 3 Twice a month 27 4 Once a month 144 5 Other specify 6 Sysmiss 12511 J6_2_S.3: J.6.2_S. Specify how often you contribute to this chilimba group. 6 0 14days 1 i have not joined 1 no regular plan 1 once per 6 months 1 when you have 2 K1.1: K1 Services 12706 75 1 Bank 12706 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 0 6 Insurance 0 7 Chilimba 0 8 Saving group 0 9 Village Bank 0 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 0 Sysmiss 75 K1_1.1: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 1202 2 No 11422 Sysmiss 157 K1_2.1: K1.2 Thinking about ... which of the following applies to you? 1202 11579 1 You don?t have an account you only use their services over t 56 2 You have an account in your name only 1055 3 You have an account that is in your name and somebody else?s 48 4 You use somebody else?s account 43 Sysmiss 11579 K1_3.1: K1.3 How do you mostly access the services of ...? 1202 11579 1 You go to the branch 334 2 You use the ATM 699 3 You use the internet 12 4 You use your phone 109 5 You use an agent 48 Sysmiss 11579 K1_4.1: K1.4 Still thinking about ... how long does it take you to get to the lo 1202 11579 1 Less than 15 minutes 311 2 16-30 minutes 367 3 31-60 minutes 243 4 More than 60 minutes to two hours 113 5 More than 2 hours 136 6 Don?t go there 12 9 Don?t know 20 Sysmiss 11579 K1_5.1: K1.5 How often do you use the services of ...? 1202 11579 1 Once or twice a year 86 2 More than once or twice a year but not every month 180 3 Monthly 647 4 More than once a month 243 5 Every week 46 Sysmiss 11579 K1_6.1: K1.6 When last did you use the services of ...? 1202 11579 1 Today/yesterday 45 2 in the past 7 days 282 3 in the past 30 days 694 4 in the past 90 days 100 5 more than 90 days ago but less than 6 months ago 81 Sysmiss 11579 K1_7.1: K1.7 Why did you not use it more often? 181 12600 1 Didn?t need it 50 2 Doesn?t suit my needs 16 3 Too far to use more 46 4 Too expensive; 16 5 Poor customer service 2 6 Other 51 Sysmiss 12600 K1_8.1: K1.8 What do you use the services of [responses in K1.1] for? 1199 0 A 336 AB 15 ABC 6 ABCD 47 ABD 14 AC 88 ACD 122 AD 137 B 7 BCD 3 BD 1 C 122 CD 47 D 254 K1_9.1: K1.9 Which specific products do you use with ? 1196 0 1 290 12 68 123 15 1234 10 12345 3 123456 6 12346 1 1235 1 1236 1 124 90 1245 5 1246 11 1247 3 125 3 1256 1 127 1 13 14 134 9 1345 3 13456 1 136 1 14 154 145 13 1456 1 146 5 147 1 15 4 16 1 17 8 2 39 23 8 234 4 2347 1 236 1 24 25 2456 1 246 1 26 1 27 1 3 54 34 18 346 1 4 253 45 3 4567 1 46 2 47 4 5 6 56 1 57 1 6 2 7 44 K1_10.1: K1.10 How do you feel about the services of ... in general? Would you s 1202 11579 1 Satisfied 1092 2 Dissatisfied 110 Sysmiss 11579 K1.2: K1 Services 12624 157 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 12624 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 0 6 Insurance 0 7 Chilimba 0 8 Saving group 0 9 Village Bank 0 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 0 Sysmiss 157 K1_1.2: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 56 2 No 12568 Sysmiss 157 K1_2.2: K1.2 Thinking about ... which of the following applies to you? 56 12725 1 You don?t have an account you only use their services over t 20 2 You have an account in your name only 33 3 You have an account that is in your name and somebody else?s 1 4 You use somebody else?s account 2 Sysmiss 12725 K1_3.2: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.2: K1.4 Still thinking about ... how long does it take you to get to the lo 56 12725 1 Less than 15 minutes 17 2 16-30 minutes 13 3 31-60 minutes 8 4 More than 60 minutes to two hours 7 5 More than 2 hours 7 6 Don?t go there 3 9 Don?t know 1 Sysmiss 12725 K1_5.2: K1.5 How often do you use the services of ...? 56 12725 1 Once or twice a year 18 2 More than once or twice a year but not every month 10 3 Monthly 22 4 More than once a month 5 5 Every week 1 Sysmiss 12725 K1_6.2: K1.6 When last did you use the services of ...? 56 12725 1 Today/yesterday 0 2 in the past 7 days 7 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 16 Sysmiss 12725 K1_7.2: K1.7 Why did you not use it more often? 26 12755 1 Didn?t need it 12 2 Doesn?t suit my needs 1 3 Too far to use more 3 4 Too expensive; 3 5 Poor customer service 3 6 Other 4 Sysmiss 12755 K1_8.2: K1.8 What do you use the services of [responses in K1.1] for? 56 0 A 12 AB 2 B 37 BC 1 C 3 D 1 K1_9.2: K1.9 Which specific products do you use with ? 54 0 1 4 12 1 134 1 14 2 146 1 2 4 23 1 4 9 5 1 6 25 67 1 7 4 K1_10.2: K1.10 How do you feel about the services of ... in general? Would you s 56 12725 1 Satisfied 48 2 Dissatisfied 8 Sysmiss 12725 K1.3: K1 Services 12624 157 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 12624 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 0 6 Insurance 0 7 Chilimba 0 8 Saving group 0 9 Village Bank 0 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 0 Sysmiss 157 K1_1.3: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 9 2 No 12615 Sysmiss 157 K1_2.3: K1.2 Thinking about ... which of the following applies to you? 9 12772 1 You don?t have an account you only use their services over t 3 2 You have an account in your name only 6 3 You have an account that is in your name and somebody else?s 0 4 You use somebody else?s account 0 Sysmiss 12772 K1_3.3: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.3: K1.4 Still thinking about ... how long does it take you to get to the lo 9 12772 1 Less than 15 minutes 2 2 16-30 minutes 2 3 31-60 minutes 1 4 More than 60 minutes to two hours 3 5 More than 2 hours 1 6 Don?t go there 0 9 Don?t know 0 Sysmiss 12772 K1_5.3: K1.5 How often do you use the services of ...? 9 12772 1 Once or twice a year 1 2 More than once or twice a year but not every month 1 3 Monthly 5 4 More than once a month 2 5 Every week 0 Sysmiss 12772 K1_6.3: K1.6 When last did you use the services of ...? 9 12772 1 Today/yesterday 0 2 in the past 7 days 2 3 in the past 30 days 4 4 in the past 90 days 1 5 more than 90 days ago but less than 6 months ago 2 Sysmiss 12772 K1_7.3: K1.7 Why did you not use it more often? 3 12778 1 Didn?t need it 1 2 Doesn?t suit my needs 0 3 Too far to use more 0 4 Too expensive; 0 5 Poor customer service 0 6 Other 2 Sysmiss 12778 K1_8.3: K1.8 What do you use the services of [responses in K1.1] for? 9 0 A 4 B 3 C 1 D 1 K1_9.3: K1.9 Which specific products do you use with ? 9 0 1 3 2 2 4 2 6 1 7 1 K1_10.3: K1.10 How do you feel about the services of ... in general? Would you s 9 12772 1 Satisfied 6 2 Dissatisfied 3 Sysmiss 12772 K1.4: K1 Services 12624 157 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 12624 5 Pension fund 0 6 Insurance 0 7 Chilimba 0 8 Saving group 0 9 Village Bank 0 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 0 Sysmiss 157 K1_1.4: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 58 2 No 12566 Sysmiss 157 K1_2.4: K1.2 Thinking about ... which of the following applies to you? 0 12781 1 You don?t have an account you only use their services over t 0 2 You have an account in your name only 0 3 You have an account that is in your name and somebody else?s 0 4 You use somebody else?s account 0 Sysmiss 12781 K1_3.4: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.4: K1.4 Still thinking about ... how long does it take you to get to the lo 58 12723 1 Less than 15 minutes 22 2 16-30 minutes 10 3 31-60 minutes 15 4 More than 60 minutes to two hours 6 5 More than 2 hours 1 6 Don?t go there 3 9 Don?t know 1 Sysmiss 12723 K1_5.4: K1.5 How often do you use the services of ...? 58 12723 1 Once or twice a year 11 2 More than once or twice a year but not every month 8 3 Monthly 21 4 More than once a month 13 5 Every week 5 Sysmiss 12723 K1_6.4: K1.6 When last did you use the services of ...? 58 12723 1 Today/yesterday 3 2 in the past 7 days 12 3 in the past 30 days 26 4 in the past 90 days 9 5 more than 90 days ago but less than 6 months ago 8 Sysmiss 12723 K1_7.4: K1.7 Why did you not use it more often? 17 12764 1 Didn?t need it 3 2 Doesn?t suit my needs 0 3 Too far to use more 1 4 Too expensive; 5 5 Poor customer service 3 6 Other 5 Sysmiss 12764 K1_8.4: K1.8 What do you use the services of [responses in K1.1] for? 57 0 A 28 AB 16 ABC 2 B 7 C 2 D 2 K1_9.4: K1.9 Which specific products do you use with ? 56 0 1 3 124 1 2 5 24 1 245 1 27 2 37 1 4 18 46 4 5 1 6 1 7 18 K1_10.4: K1.10 How do you feel about the services of ... in general? Would you s 58 12723 1 Satisfied 48 2 Dissatisfied 10 Sysmiss 12723 K1.5: K1 Services 12624 157 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 12624 6 Insurance 0 7 Chilimba 0 8 Saving group 0 9 Village Bank 0 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 0 Sysmiss 157 K1_1.5: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 88 2 No 12536 Sysmiss 157 K1_2.5: K1.2 Thinking about ... which of the following applies to you? 0 12781 1 You don?t have an account you only use their services over t 0 2 You have an account in your name only 0 3 You have an account that is in your name and somebody else?s 0 4 You use somebody else?s account 0 Sysmiss 12781 K1_3.5: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.5: K1.4 Still thinking about ... how long does it take you to get to the lo 88 12693 1 Less than 15 minutes 11 2 16-30 minutes 16 3 31-60 minutes 15 4 More than 60 minutes to two hours 19 5 More than 2 hours 10 6 Don?t go there 14 9 Don?t know 3 Sysmiss 12693 K1_5.5: K1.5 How often do you use the services of ...? 88 12693 1 Once or twice a year 5 2 More than once or twice a year but not every month 2 3 Monthly 76 4 More than once a month 5 5 Every week 0 Sysmiss 12693 K1_6.5: K1.6 When last did you use the services of ...? 88 12693 1 Today/yesterday 2 2 in the past 7 days 10 3 in the past 30 days 65 4 in the past 90 days 7 5 more than 90 days ago but less than 6 months ago 4 Sysmiss 12693 K1_7.5: K1.7 Why did you not use it more often? 11 12770 1 Didn?t need it 1 2 Doesn?t suit my needs 0 3 Too far to use more 3 4 Too expensive; 1 5 Poor customer service 2 6 Other 4 Sysmiss 12770 K1_8.5: K1.8 What do you use the services of [responses in K1.1] for? 88 0 A 61 ABCD 1 AC 2 ACD 1 AD 1 C 5 CD 1 D 16 K1_9.5: K1.9 Which specific products do you use with ? 85 0 1 14 13 1 14 2 2 6 234 1 3 2 4 39 45 1 5 6 7 13 K1_10.5: K1.10 How do you feel about the services of ... in general? Would you s 88 12693 1 Satisfied 77 2 Dissatisfied 11 Sysmiss 12693 K1.6: K1 Services 12624 157 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 0 6 Insurance 12624 7 Chilimba 0 8 Saving group 0 9 Village Bank 0 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 0 Sysmiss 157 K1_1.6: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 110 2 No 12514 Sysmiss 157 K1_2.6: K1.2 Thinking about ... which of the following applies to you? 0 12781 1 You don?t have an account you only use their services over t 0 2 You have an account in your name only 0 3 You have an account that is in your name and somebody else?s 0 4 You use somebody else?s account 0 Sysmiss 12781 K1_3.6: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.6: K1.4 Still thinking about ... how long does it take you to get to the lo 110 12671 1 Less than 15 minutes 18 2 16-30 minutes 23 3 31-60 minutes 27 4 More than 60 minutes to two hours 15 5 More than 2 hours 18 6 Don?t go there 7 9 Don?t know 2 Sysmiss 12671 K1_5.6: K1.5 How often do you use the services of ...? 110 12671 1 Once or twice a year 21 2 More than once or twice a year but not every month 24 3 Monthly 56 4 More than once a month 8 5 Every week 1 Sysmiss 12671 K1_6.6: K1.6 When last did you use the services of ...? 110 12671 1 Today/yesterday 1 2 in the past 7 days 7 3 in the past 30 days 55 4 in the past 90 days 23 5 more than 90 days ago but less than 6 months ago 24 Sysmiss 12671 K1_7.6: K1.7 Why did you not use it more often? 47 12734 1 Didn?t need it 17 2 Doesn?t suit my needs 0 3 Too far to use more 7 4 Too expensive; 4 5 Poor customer service 1 6 Other 18 Sysmiss 12734 K1_8.6: K1.8 What do you use the services of [responses in K1.1] for? 103 0 A 77 AB 1 ABC 1 AC 3 AD 1 B 1 C 16 D 3 K1_9.6: K1.9 Which specific products do you use with ? 109 0 1 18 12 1 14 2 17 2 2 8 24 4 3 5 34 2 4 29 45 1 5 4 7 33 K1_10.6: K1.10 How do you feel about the services of ... in general? Would you s 110 12671 1 Satisfied 101 2 Dissatisfied 9 Sysmiss 12671 K1.7: K1 Services 12624 157 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 0 6 Insurance 0 7 Chilimba 12624 8 Saving group 0 9 Village Bank 0 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 0 Sysmiss 157 K1_1.7: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 639 2 No 11985 Sysmiss 157 K1_2.7: K1.2 Thinking about ... which of the following applies to you? 0 12781 1 You don?t have an account you only use their services over t 0 2 You have an account in your name only 0 3 You have an account that is in your name and somebody else?s 0 4 You use somebody else?s account 0 Sysmiss 12781 K1_3.7: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.7: K1.4 Still thinking about ... how long does it take you to get to the lo 639 12142 1 Less than 15 minutes 367 2 16-30 minutes 125 3 31-60 minutes 67 4 More than 60 minutes to two hours 25 5 More than 2 hours 13 6 Don?t go there 38 9 Don?t know 4 Sysmiss 12142 K1_5.7: K1.5 How often do you use the services of ...? 639 12142 1 Once or twice a year 25 2 More than once or twice a year but not every month 45 3 Monthly 298 4 More than once a month 93 5 Every week 178 Sysmiss 12142 K1_6.7: K1.6 When last did you use the services of ...? 639 12142 1 Today/yesterday 94 2 in the past 7 days 177 3 in the past 30 days 289 4 in the past 90 days 43 5 more than 90 days ago but less than 6 months ago 36 Sysmiss 12142 K1_7.7: K1.7 Why did you not use it more often? 79 12702 1 Didn?t need it 15 2 Doesn?t suit my needs 5 3 Too far to use more 3 4 Too expensive; 7 5 Poor customer service 15 6 Other 34 Sysmiss 12702 K1_8.7: K1.8 What do you use the services of [responses in K1.1] for? 638 0 A 437 AB 158 ABC 4 ABCD 1 ABD 1 AC 9 ACD 1 AD 4 B 17 C 4 CD 1 D 1 K1_9.7: K1.9 Which specific products do you use with ? 590 0 1 9 12 2 14 1 2 81 23 1 234 1 24 8 27 4 3 4 4 140 45 1 46 8 5 13 6 3 7 314 K1_10.7: K1.10 How do you feel about the services of ... in general? Would you s 639 12142 1 Satisfied 587 2 Dissatisfied 52 Sysmiss 12142 K1.8: K1 Services 12624 157 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 0 6 Insurance 0 7 Chilimba 0 8 Saving group 12624 9 Village Bank 0 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 0 Sysmiss 157 K1_1.8: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 416 2 No 12208 Sysmiss 157 K1_2.8: K1.2 Thinking about ... which of the following applies to you? 0 12781 1 You don?t have an account you only use their services over t 0 2 You have an account in your name only 0 3 You have an account that is in your name and somebody else?s 0 4 You use somebody else?s account 0 Sysmiss 12781 K1_3.8: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.8: K1.4 Still thinking about ... how long does it take you to get to the lo 416 12365 1 Less than 15 minutes 215 2 16-30 minutes 100 3 31-60 minutes 50 4 More than 60 minutes to two hours 20 5 More than 2 hours 19 6 Don?t go there 9 9 Don?t know 3 Sysmiss 12365 K1_5.8: K1.5 How often do you use the services of ...? 416 12365 1 Once or twice a year 21 2 More than once or twice a year but not every month 27 3 Monthly 178 4 More than once a month 82 5 Every week 108 Sysmiss 12365 K1_6.8: K1.6 When last did you use the services of ...? 416 12365 1 Today/yesterday 21 2 in the past 7 days 160 3 in the past 30 days 195 4 in the past 90 days 21 5 more than 90 days ago but less than 6 months ago 19 Sysmiss 12365 K1_7.8: K1.7 Why did you not use it more often? 40 12741 1 Didn?t need it 5 2 Doesn?t suit my needs 1 3 Too far to use more 5 4 Too expensive; 7 5 Poor customer service 7 6 Other 15 Sysmiss 12741 K1_8.8: K1.8 What do you use the services of [responses in K1.1] for? 415 0 A 152 AB 237 ABC 7 ABD 1 B 16 C 1 D 1 K1_9.8: K1.9 Which specific products do you use with ? 398 0 1 7 12 1 124 1 1245 1 14 1 145 1 2 40 24 1 245 1 27 3 3 5 4 91 45 2 46 8 5 3 6 1 7 231 K1_10.8: K1.10 How do you feel about the services of ... in general? Would you s 416 12365 1 Satisfied 392 2 Dissatisfied 24 Sysmiss 12365 K1.9: K1 Services 12624 157 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 0 6 Insurance 0 7 Chilimba 0 8 Saving group 0 9 Village Bank 12624 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 0 Sysmiss 157 K1_1.9: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 243 2 No 12381 Sysmiss 157 K1_2.9: K1.2 Thinking about ... which of the following applies to you? 0 12781 1 You don?t have an account you only use their services over t 0 2 You have an account in your name only 0 3 You have an account that is in your name and somebody else?s 0 4 You use somebody else?s account 0 Sysmiss 12781 K1_3.9: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.9: K1.4 Still thinking about ... how long does it take you to get to the lo 243 12538 1 Less than 15 minutes 134 2 16-30 minutes 50 3 31-60 minutes 30 4 More than 60 minutes to two hours 16 5 More than 2 hours 4 6 Don?t go there 8 9 Don?t know 1 Sysmiss 12538 K1_5.9: K1.5 How often do you use the services of ...? 243 12538 1 Once or twice a year 12 2 More than once or twice a year but not every month 25 3 Monthly 118 4 More than once a month 36 5 Every week 52 Sysmiss 12538 K1_6.9: K1.6 When last did you use the services of ...? 243 12538 1 Today/yesterday 17 2 in the past 7 days 66 3 in the past 30 days 129 4 in the past 90 days 14 5 more than 90 days ago but less than 6 months ago 17 Sysmiss 12538 K1_7.9: K1.7 Why did you not use it more often? 31 12750 1 Didn?t need it 5 2 Doesn?t suit my needs 1 3 Too far to use more 1 4 Too expensive; 1 5 Poor customer service 3 6 Other 20 Sysmiss 12750 K1_8.9: K1.8 What do you use the services of [responses in K1.1] for? 242 0 A 63 AB 155 ABC 3 ABCD 1 AC 2 AD 1 B 14 BC 1 C 1 D 1 K1_9.9: K1.9 Which specific products do you use with ? 233 0 1 4 12 1 2 23 24 4 27 1 3 3 34 1 4 47 45 1 46 11 47 5 5 2 6 3 67 1 7 126 K1_10.9: K1.10 How do you feel about the services of ... in general? Would you s 243 12538 1 Satisfied 227 2 Dissatisfied 16 Sysmiss 12538 K1.10: K1 Services 12624 157 10 10 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 0 6 Insurance 0 7 Chilimba 0 8 Saving group 0 9 Village Bank 0 10 Moneylender/kaloba/shylock 12624 11 Someone in the community that you save with 0 K1_1.10: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 151 2 No 12473 Sysmiss 157 K1_2.10: K1.2 Thinking about ... which of the following applies to you? 0 12781 1 You don?t have an account you only use their services over t 0 2 You have an account in your name only 0 3 You have an account that is in your name and somebody else?s 0 4 You use somebody else?s account 0 Sysmiss 12781 K1_3.10: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.10: K1.4 Still thinking about ... how long does it take you to get to the l 151 12630 1 Less than 15 minutes 73 2 16-30 minutes 31 3 31-60 minutes 27 4 More than 60 minutes to two hours 10 5 More than 2 hours 4 6 Don?t go there 2 9 Don?t know 4 Sysmiss 12630 K1_5.10: K1.5 How often do you use the services of ...? 151 12630 1 Once or twice a year 69 2 More than once or twice a year but not every month 51 3 Monthly 17 4 More than once a month 12 5 Every week 2 Sysmiss 12630 K1_6.10: K1.6 When last did you use the services of ...? 151 12630 1 Today/yesterday 5 2 in the past 7 days 11 3 in the past 30 days 54 4 in the past 90 days 41 5 more than 90 days ago but less than 6 months ago 40 Sysmiss 12630 K1_7.10: K1.7 Why did you not use it more often? 81 12700 1 Didn?t need it 29 2 Doesn?t suit my needs 5 3 Too far to use more 1 4 Too expensive; 36 5 Poor customer service 3 6 Other 7 Sysmiss 12700 K1_8.10: K1.8 What do you use the services of [responses in K1.1] for? 148 0 A 8 AB 1 AC 1 B 129 BC 1 C 6 D 2 K1_9.10: K1.9 Which specific products do you use with ? 141 0 1 2 14 1 2 15 24 1 3 1 4 10 6 17 7 94 K1_10.10: K1.10 How do you feel about the services of ... in general? Would you 151 12630 1 Satisfied 73 2 Dissatisfied 78 Sysmiss 12630 K1.11: K1 Services 12624 157 11 11 1 Bank 0 2 Microfinance institution (MFI) such as Madison Finance 0 3 Lender such as Meanwood Finance 0 4 Savings and credit cooperative (SACCO)/financial cooperative 0 5 Pension fund 0 6 Insurance 0 7 Chilimba 0 8 Saving group 0 9 Village Bank 0 10 Moneylender/kaloba/shylock 0 11 Someone in the community that you save with 12624 K1_1.11: K1.1 Did you use ... during the past 12 months? 12624 157 1 Yes 39 2 No 12585 Sysmiss 157 K1_2.11: K1.2 Thinking about ... which of the following applies to you? 0 12781 1 You don?t have an account you only use their services over t 0 2 You have an account in your name only 0 3 You have an account that is in your name and somebody else?s 0 4 You use somebody else?s account 0 Sysmiss 12781 K1_3.11: K1.3 How do you mostly access the services of ...? 0 12781 1 You go to the branch 0 2 You use the ATM 0 3 You use the internet 0 4 You use your phone 0 5 You use an agent 0 Sysmiss 12781 K1_4.11: K1.4 Still thinking about ... how long does it take you to get to the l 39 12742 1 Less than 15 minutes 20 2 16-30 minutes 11 3 31-60 minutes 4 4 More than 60 minutes to two hours 1 5 More than 2 hours 2 6 Don?t go there 1 9 Don?t know 0 Sysmiss 12742 K1_5.11: K1.5 How often do you use the services of ...? 39 12742 1 Once or twice a year 9 2 More than once or twice a year but not every month 11 3 Monthly 9 4 More than once a month 8 5 Every week 2 Sysmiss 12742 K1_6.11: K1.6 When last did you use the services of ...? 39 12742 1 Today/yesterday 4 2 in the past 7 days 4 3 in the past 30 days 15 4 in the past 90 days 9 5 more than 90 days ago but less than 6 months ago 7 Sysmiss 12742 K1_7.11: K1.7 Why did you not use it more often? 16 12765 1 Didn?t need it 4 2 Doesn?t suit my needs 0 3 Too far to use more 3 4 Too expensive; 0 5 Poor customer service 2 6 Other 7 Sysmiss 12765 K1_8.11: K1.8 What do you use the services of [responses in K1.1] for? 39 0 A 27 AB 5 B 7 K1_9.11: K1.9 Which specific products do you use with ? 38 0 2 7 3 1 4 7 45 1 7 22 K1_10.11: K1.10 How do you feel about the services of ... in general? Would you 39 12742 1 Satisfied 35 2 Dissatisfied 4 Sysmiss 12742 K1.11 Thinking about responses in K1.1, which of these do you value most in term 500 12281 1 Bank 233 2 Microfinance institution (MFI) such as Madison Finance 16 3 Lender such as Meanwood Finance 1 4 Savings and credit cooperative (SACCO)/financial cooperative 8 5 Pension fund 19 6 Insurance 8 7 Chilimba 89 8 Saving group 64 9 Village Bank 50 10 Moneylender/kaloba/shylock 9 11 Someone in the community that you save with 3 Sysmiss 12281 K.2 Why do you value the services of [response in k1.11] the most? 2379 10402 1 Helps me save 1123 2 My money is safe with them 566 3 I can get a loan when I need it 173 4 I can turn to them when I have a money emergency 275 5 I can send and receive money 63 6 I can make payments 84 7 Other, specify 95 Sysmiss 10402 K.2_S. Specify why you value the service 95 0 BETTER REPAYMENT TERMS 1 DOES NOT USE BANK 1 EASY AND SAFE FOR FOREX 1 I CAN GET MONEY ANYTIME 1 I DONT HAVE AN ACCOUNT 1 I no longer value their services 1 I use it to get my salary 1 Interest rate is good 1 LOWER INTREST 1 RECEIVE MORE MONEY 1 SAFER TO KEEP MONEY 1 SAFETY 1 STOPPED USING 1 The buyers pay using the bank 1 Trust basis 1 USED IT JUST FOR RECEIVING EWALLET 1 Vehicle insurance 1 access anytime 1 access to financial assistance from the government 1 am more used to it 1 amount is bigger 1 beacuse thats where she gets her salary 1 because it helps me with my daily living 1 because of fertilizer 1 borrowing is easy 1 cheaper for respondent 1 did not take long 1 do not value them 1 doesnt like the bank services 1 don't cut money 1 easier access 1 easily acess 1 easy access to the money 1 easy they are no procedures 1 easy to access 1 flexible terms 1 for getting my salary 1 get money in rotation 1 get salary from bank 1 gives me a plan 1 good intrest rates 1 good service 1 good services 1 have more value in savings group 1 helped me 1 helps me get a huge lump some at time of need 1 helps to get fertilizer 1 i can borrow huge sum at bank than village banking 1 i can receive money easily 1 i can save any amoubt i have 1 i dont belong to any 1 i dont value it 1 i get paid through the bank 1 i receive my monthly salary 1 i receive my salary 1 i trust the system.i get a turn of the money 1 i was able to exchange mutilated notes 1 intrest is high 1 it get interest in the bank 1 it gives me fertilizer through my savings 1 it helps me to receive my salary 1 it's my husbands bank 1 its good 1 l use to raise money for buiness 1 lack of funds 1 less convienent 1 nnot applicable 1 no interest needed 1 none 2 not incoveniencing 1 nothing 1 prompt payment by FRA payment 1 quick access to money 1 quick access to money when i need it 1 salary account 1 salary issue 1 satisfied with there services 1 save and keep money safe 1 security is good 1 share money within short period 1 so that i can be helped when am old 1 speacial reference 1 thats where he recieves he's salary from 1 the bank cant crook me 1 the commitment 1 the salary come from the bank 1 there was an interest given once you save 1 1 they are too far 1 they paid us 1 they pay on time 1 they suite my needs 1 trust in the services 1 was just sent 1 K.3 If you have a problem with the services we have just talked about (i.e. with 1219 11562 1 Customer services 386 2 Go to my branch 491 3 Regulator of financial services 17 4 Central Bank 19 5 Do not go anywhere to complain 75 6 Never had a problem 158 7 Other, specify 22 9 Don?t know 51 Sysmiss 11562 K.3_S. Specify where you go to complain 22 0 COMMUNITY CHILIMBA GROUP 1 The one i give money to save for me 1 bank manager 1 come out of group 1 customer service 1 for VB she talks to the chairperson.Banks cus/care 1 friend 1 go to another bank 1 go to leaders 1 go to the same institutions 1 go to their agents 1 hardly complain 1 in the same group 1 no where 1 none 1 police 3 stockbroker 1 the members of the group 1 the tresure 1 trasure 1 K.4 You said you are using someone else?s account ? what is the main reason why 46 12735 1 I don?t have the right documentation 5 2 It is too expensive 3 3 I am not allowed to open an account/need permission from hou 1 4 I don?t know how to open an account 3 5 I don?t know where to go to open an account 0 6 I cannot read/write 1 7 I don?t have enough money to justify opening an account 6 8 I don?t use it often enough 3 9 No specific reason 17 10 Other specify 7 Sysmiss 12735 K.4_S. Specify the main reason you don't use your own account 7 0 I DONT HAVE ENOUGH MONEY 1 USE SPOUSE ACCOUNT 1 Use a family account 1 getting old to do such things 1 has no bank account 1 no cash 1 uses own account 1 K.5a Why don?t you use the services of a bank to help you manage your money? 11484 1297 1 Does not need it - Insufficient or no money coming it to jus 3534 2 Cannot maintain the minimum balance 1080 3 Bank service charges are too high 785 4 Banks are too far away 2421 5 Banking hours are not convenient 30 6 Does not have the documentation required 441 7 Does not know how to open a bank account 374 8 Does not understand benefits of having a bank account 758 9 Does not trust banks 134 10 Banks do not provide the products or services I need 81 11 Can get the same services elsewhere in the community 65 12 Need permission of someone else to open it 64 13 Feel intimidated by the bank environment/Does not feel comfo 52 14 Bank products are complicated 192 15 Banks share my information with other institutions 18 96 Other, specify 1455 Sysmiss 1297 K.5a_S. Specify why you don't use the services of a bank to help you manage your 1456 0 "he does have enough money" 1 "he does have money to save" 1 "he doesn't enough money to save and they too far" 1 "she does have enough money to save " 1 "she does have enough money to save and they'refar 1 "she does have enough money to save" 1 "she does have money to save" 1 "she does not enough money to save" 1 "she does not have money to save" 1 "she does rely on her parents" 1 ALREADY HAVE MOBILE MONEY 1 Age can not allow 1 Aged 1 Amounts are low 1 BECAUSE ITS FAR 1 BECAUSE THE MOBILE MONEY IS NEAR 1 Banks are for people who are working 1 Banks are very far 1 Banks are veryfar and i dont know how to operate 1 Banks steal money 1 Because I don't work. Only those working are able 1 CURRENTLY DO NOT HAVE MONEY 1 DISTANCE 1 DO NOT HAVE ANY MONEY TO SAVE 3 DO NOT HAVE ENOUGH MONEY 1 DO NOT HAVE ENOUGH MONEY AT THE MOMENT 1 DO NOT HAVE ENOUGH MONEY TO SAVE 4 DO NOT HAVE MONEY 5 DO NOT HAVE MONEY TO INVEST 1 DO NOT HAVE MONEY TO PUT IN A BANK 1 DO NOT HAVE MONEY TO PUT IN BANK 1 DO NOT HAVE MONEY TO PUT IN THE BANK 1 DO NOT HAVE MONEY TO SAVE 7 DO NOT HAVE MPNEY TO SAVE 1 DO NOT SAVE 1 DOES NOT HAVE ENOUGH MONEY 1 DOES NOT MONEY 1 DOESNT HAVE ANY MONEY 1 DON'T HAVE MONEY TO DO THAT 1 DON'T HAVE MONEY TO SAVE 1 DONT HAVE ACCOUNT 1 DONT HAVE ANY MONEY 1 DONT HAVE ANY MONEY TO SAVE 1 DONT HAVE ENOUGH MONEY 1 DONT HAVE ENOUGH MONEY TO SAVE 1 DONT HAVE ENOUGH MONEY TO SAVE WITH BANKS 1 DONT HAVE MKNEY TO SAVE 1 DONT HAVE MONEY 1 DONT HAVE MONEY TI SAVE 1 DONT HAVE MONEY TO BANK (SAVE) 1 DONT HAVE MONEY TO DEPOSIT 1 DONT HAVE MONEY TO DO SO 1 DONT HAVE MONEY TO SAVE 5 DONT KNOW HOW A BANK WORKS 1 DONT KNOW IT 1 DONT KNOW THE INSTITUTIONS 1 Do not understand how banks operate 1 Do not use 1 Does not a bank account 1 Don't have enough money to save with these institu 1 Don't know its services 1 Dont have access to banks in the area 1 Dont have an account 1 Dont have enough funds to bank 1 Dont have enough money to bank at a bank 1 Dont have enough money to dave with them 1 Dont have enough money to save 2 Dont have enough money to save at the bank. 1 Dont have enough money to take to the bank 2 Dont have enough money to use banks 1 Dont have enough money to use their services 1 Dont have income 1 Dont have income of my own 1 Dont have money 1 Dont have money to put in banks 1 Dont have money to save 2 Dont have money to save to the bank 1 Dont have much money 1 Dont know 1 Dont know them 1 Dont know what banks realy offer 1 FAMILY 3 HAVE NO MONEY TO DO THAT 1 HAVE NOTHING TO SAVE 1 High Expenditure 1 I CAN DO THAT WHEN I HAVE ENOUGH 1 I CANNOT MANAGE 1 I DO NOT HAVE ANY MONEY TO SAVE 1 I DON'T HAVE MONEY 1 I DONT HAVE ENOUGH MONEY TO SAVE 1 I DONT HAVE MONEY 1 I DONT HAVE MONEY TO SAVE 1 I DONT KNOW MUCH ABOUT IT 1 I DONT UAVE MONEY TO DO THAT 1 I EVEN USE THE BANK 1 I HAVE NO MONEY 1 I SAVE ON MOBILE MONEY 1 I USE BANK AND MOBILE MONEY ACOUNTS 1 I USE BOTH MOBILE AND BANK 1 I cant afford, am just a grade eight pupil 1 I don't have enough money 1 I dont have enough money to save 1 I dont have money 4 I dont have money to use by the bank 1 I dont have money to use there services 1 I dont know 1 I dont know it 1 I dont want to 1 I dont work 2 I have no bank account 1 I have no money 1 I have no reliable income to maintain bank charges 1 In school 1 Is old and cannot think properly. 1 Know nothing 1 NEVER BORROWED 2 NO ENOUGH 1 NO ENOUGH MONEY 3 NO INCOME 3 NO INTEREST 1 NO INTREST 1 NO MOMEY FOR THE SERVICE 1 NO MONEY 12 NO MONEY TO THE BANK 1 NO REASON 1 NO SPECIFIC REASON 4 NOT WORKING 2 No Account with the bank 1 No Enough money to save 1 No Income 4 No NRC 1 No Specific Reason 1 No account 1 No enough money 1 No enougy money 1 No idea how it works 1 No ideas about banking 1 No incom 1 No income 4 No income to use bank services 1 No money 2 No money for that 1 No money to save 2 No proper income 2 No reasons 1 No soecific reason 1 No specific reason 3 No suitable income 1 None 2 Not Employed 2 Not formally employed 1 Not in Employment 1 Not now 1 Not ready 1 Nothing 1 Nothing to take the bank 1 Pupil 1 SERVICES NOT AVAILABLE 1 SHE IS OLD AND CANT MANAGE. 1 SOMETIMES TRANSACTIONS BECOME COMPLICATED 1 STILL A SCHOOL BOY 1 STILL A SCHOOL GIRL 2 STILL AT SCH 1 STILL AT SCHOOL 1 STILL YOUNG 1 She dont have any idea about banks. 1 She dont have money to save 1 She manages own her own 1 She manages with the husband 3 Still at School no income to save 1 Still at school 1 THERE ARE NO BANKS IN THE VILLAGE. 1 THERE ARE NO BANKS NEAR BY 1 THEY ARE NEAR TO MY PLACE 1 The money i get is too little 1 The money is little 1 There are no Banks in the Area. 1 There are no banks in the area 1 There are not Banks in the Area. 1 They are not found here. 1 They are very far 1 Too old 1 Too old for that 1 Too old for the resondent to access banks 1 USE IT FOR SALARY 1 Use Airtel money for the services 1 Uses mobile money 1 WE DONT KNOW MUCH ABOUT BANKS 1 Young 1 accounting and economic background 1 aged 1 already have airtel money account 1 already have mobile money 1 am comfortable on my own 1 am handicapped 1 am illitrate 1 am not interested 1 am not working no business 1 am not yet 18 1 am old i cant manage 1 am so old for that 1 am stil a school going pupil 1 am stil at school 1 am still at school 1 am still young 2 am too old to go to the bank 1 am using the bank 1 am young 1 amm too old for such things 1 bank processes are too slow 1 banks are far and we dont have enough money 1 banks are far away from here 1 banks are the same as mobile money providers 1 banks are too far and do not have money to save 1 banks are too far to reach 1 banks dont offer good interests 1 because i am always busy 1 because i cant manage to maintain account 1 because i don't have money 1 because the money made is less 1 1 becuase i am not of age 1 binesss gone down 1 can manage it 1 can not afford 4 can not save 1 can still manage to save money own their own 1 can't applicable 1 cannot afford it 1 cannot maintain the minimum balance 1 1 cant afford 10 cant afford it 1 cant manage 1 cant manage its for people in the government 1 chilimba is enough for me 1 comfortable keeping money for myself 1 currently unemployed 1 did not borrow 1 didnot skip 1 1 do not have a bank account 1 do not have an account 2 do not have an income 1 do not have any income 1 do not have any money to save 1 do not have cash to put in a bank 1 do not have enough money 4 do not have enough money for saving 1 do not have enough money to save 3 do not have enough money to save to the bank 1 do not have enough reasonable money 1 do not have knowledge 1 do not have money 9 do not have money to save 3 do not have money yet 1 do not have moneynto save 1 do not have this service 1 do not know 2 do not know how this service work 1 do not know how to use banks 1 do not know how to use the bank 1 do not understand anything and no money to save 1 do not understand them 1 do not want problems 1 do nott have money 1 dodn't have money 1 does not have an account 1 does not have enogh money 1 does not have enough money 1 does not have job now 1 does not have money 4 does not have money of his own 1 does not have money to save 3 does not know how the bank works 1 does not know how to use it 1 does not need it at the moment 1 does not need this services 1 does not work 1 does not work and feels minumum deposit fee huge 1 doesn't have enough money to put in bank 1 doesn't have enough money to save 1 doesnt have an account 1 doesnt have money 1 doesnt have money to save 1 doesnt know MFI 2 doesnt't have an acccount 1 don' t know 1 don',t know anything about banks 1 don't have a stable source on income 1 don't have an account 1 don't have an income 1 don't have any money 1 don't have any money of my own 1 don't have enough money to save 1 don't have enough money to save with banks 1 don't have money 25 don't have money to save 1 don't have more money 1 don't have time 1 don't know about this ssrvices 1 don't know how they work 1 don't know the services offered 1 don't know the use 1 don't need it at the moment 1 don't want 1 don't work 1 don,'t have enough money 1 dong have money 1 donot know 1 dont borrow 1 1 dont earn enough money 3 dont earn enough money to save 1 dont earn enough to save 1 dont enough money 1 dont feel like 1 dont get income 1 dont have a lot of money to save 1 dont have a reason 1 dont have access 1 dont have account 1 dont have alot of money 1 dont have an account 2 dont have an account yet 1 dont have an active account 1 dont have an idea of using it 1 dont have an income 5 dont have any money 1 dont have any money to save 7 dont have cash 1 dont have enogh money 1 dont have enogh to save 1 dont have enough 1 dont have enough money 11 dont have enough money to save 12 dont have enough money to save from the bank 1 dont have enough money to save with banks 1 dont have enough money to save with the bank 2 dont have enough money to take to the bank 2 dont have enough to save 5 dont have enouph money to save 1 dont have money 36 dont have money save 1 dont have money to bank 1 dont have money to open account 1 dont have money to pit in the bank 1 dont have money to put in the bank 2 dont have money to save 42 dont have money to save at any bank 1 dont have money to save into the bank account 1 dont have money to school 1 dont have money to seva 1 dont have monney to save 1 dont have them 12 dont know 8 dont know about banks 3 dont know about it 1 dont know about them 1 dont know anything 1 dont know anything about it 1 dont know banks 1 dont know how banks work 1 dont know how it works 2 dont know how to use a bank 1 dont know how to use it 1 dont know it 2 dont know them 2 dont know what a bank is 1 dont like puttng me 1 dont need such services 1 dont need them 1 dont use a bank 1 dont use because i dont have money 1 dont want 3 dont want to 1 dont work 5 due to lack of money 1 feels lazy to use banks 1 for now i do not have money to save 1 get the same services from mobile money 1 has account 1 has no idea 1 have enough money to save 1 have just not opened yet 1 have less knowledge 1 have no enough moneu 1 have no enough money 1 have no enough money to save 1 have no extra money to bank 1 have no inco!e of my own 1 have no income 2 have no interest 1 have no invome 1 have no knowledge about them 1 have no money 9 have no money save 1 have no money to dave 1 have no money to manage 1 have no money to save 5 have no money to take to bank 1 have no phone 1 have no reliable job 1 have stead income 1 he does depend on his parents 1 he does have enough money and services are very fa 1 he does not have money to save 1 he will start in futrue when his buesinuess picks 1 he's likely to start using it. 1 he's still schooling and they are very far 1 heard money reduces 2 1 1 1 i am not educated 1 i am not working 1 i am too old to use such 1 i am too young 1 i belong to silk 1 i can easily misuse money in an account 1 i can't afored 1 i cant afford 2 i cant manage 1 i cant manage to use them 1 i didnt need to 1 i do have money to save 1 i do not have enough money 2 i do not have money 4 i do not have money save 1 i do not have money to pay back 1 i do not have money to save 10 i do not have money to save with the bank 2 i do not have money to take to the bank 1 i do not have to save 1 i do not know 1 i do not save to the bank 1 i do not work 1 i don't have an income 1 i don't have an nrc 1 i don't have any money to save 1 i don't have enough money 1 i don't have money 9 i don't have money to open a bank acc 1 i don't have money to open an acc 1 i don't have money to save 3 i don't know 1 i don't know how they operate 1 1 i dont borrow money 1 i dont get an income 1 i dont have a back account 1 i dont have a job 1 i dont have a source of income 1 i dont have an account 1 i dont have an income 1 i dont have an nrc to open an account 1 i dont have any income 1 i dont have any money to save 1 i dont have capacity of opening an account 1 i dont have enough income 1 i dont have enough momey to put in 1 i dont have enough money 5 i dont have enough money to save 1 i dont have good income 1 i dont have instrest because really dont know 1 i dont have money 24 i dont have money to keep in a bank 1 i dont have money to put in bank 1 i dont have money to put in the bank 1 i dont have money to put or save in the bank 1 i dont have money to save 11 i dont have plenty of money to save in a bank 1 i dont have to take at the bank 1 i dont have un nrc 1 i dont know 3 i dont know how 1 i dont know how it works 1 i dont know how they work 1 i dont know how to 1 i dont know it 2 i dont know them 5 i dont know to use the bank 1 i dont much about them 1 i dont much money to save 1 i dont need banking services 1 i dont need those services 1 i dont see the need 1 i dont trust them 1 i dont want 5 i dont want just 1 i dont want to 1 i dont work 5 i dont work dont have money 1 i dontt work 1 i have got no idea 1 i have insufficient/no knowledge about banks 1 i have never heard about a bank 1 i have no account 1 i have no business with it 1 i have no enough money 1 i have no idea 1 i have no income 2 i have no interest 1 i have no interest in banking 1 i have no money 5 i have no money am very poor 1 i have no money to save 2 i have no money which requires such services 1 i have not yet opened an account 1 i have not yet reached an age to open an account 1 i have retireed no money 1 i havent payed attention to it 1 i just rely on my family 1 i manage my money on my phone 1 i need to learn first 1 i not have money to save 1 i prefer to do it myself 1 i save in my mtn mobile money 1 i save using mobile money 1 i save with mobile money 1 i spend everything i get 1 i thought bank is only for learned people 1 i trust myself with keeping my own money 1 i use 1 i use a bank 1 i use bank as well 1 i use mobile money 1 i use the bank 1 i use the services 1 i use the services of a silk group 1 i uses mobile money phone 1 i uses mobile phone 1 i usually have small amounts of money 1 i want my business expand 1 i will have it in future 1 iam still in school 1 ignorance 1 illness 1 im now old to use such services 1 im still young 1 im too young 1 im young and sick 1 in chilimba 1 insufficient funds 1 insufficient knowledge 1 it is a share waste of time 1 it is due to low income 1 it needs money 1 its fa 1 its far 9 its for people who are working 1 its for peple who are working 1 its for rich people 1 its not easy to access banks 1 its not here 2 just a school girl 1 just doesnt like it 1 just doesnt want to 1 just don't want 1 just donot want 1 just dont want 2 just dont want to 1 just have little money 1 l cannot afford it 1 l do not bank a have 1 l don't have interest 1 l don't know 1 l don't know anything to with banking 1 l don't know banking 1 l don't know banking services 1 l dont have enough money 2 l dont have money 2 l dont use it 1 l feel the bank is for people with more money 1 l have an accont 1 l have not tried it 1 l see no use of putting money at the bank 1 l use mobile money 1 lack of enough money to invest 1 lack of enough money to invest in a back 1 lack of enough money to invest in a bank 1 lack of enough money to invest or save 1 lack of enough money to save 2 lack of knowledge on the bank services 1 lack of money 3 lacking a phone 1 lam not working. 1 less knowledge 1 less knowledge about banking services 1 less money 1 long distance 1 long proccess 1 low income 1 mobile money is better 1 money is liquid uses it for business daily 1 money is too little to save with the bank 1 money is too little to take at the bank 1 money not enough 1 money reduces 5 my resources doesnt need that 1 never heard 1 never heard about the bank 1 never heard of them 2 never thought about it 1 never used a bank before 1 nill 1 1 1 no Idea 1 no access to the bank 1 no account 1 no applicable 1 no babk 1 no back 1 no bank Ac yet 1 no bank account 2 no bank close by 1 no bank here and no money 1 no bank in my area 16 no bank in the area 1 no bank nearby 1 no banks 10 no banks and no money to save 1 no banks here 7 no banks in my area 4 no banks in my community 1 no banks in our community 1 no banks nearby 1 no banks present 1 no banks were i stay 1 no cash 1 no contact 1 no employment 2 no enough banks 1 no enough income 1 no enough money 10 no enough money to do any 1 no enough. money 1 no formal employment 1 no idea 4 no idea what happens at the bank 1 no income 8 no income still in school 1 no interest 3 no interestt 1 no knowledge about it 2 no moey im sick 1 no moneto save 1 no money 46 no money and there are no such here 1 no money money to save 1 no money to bank 1 no money to join 1 no money to manage 4 no money to put 1 no money to put in a bank 1 no money to put in bank 1 no money to put in banks 1 no money to put in the bank 1 no money to put in the banks 1 no money to put there 1 no money to save 21 no money to save and maitain an account 1 no money to take there 1 no money to take to bank 1 no money to use service 1 no need 3 no need alread committed to one village bank 1 no need of using a bank 1 no nrc 1 no nrc and have no money 1 no reason 9 no reason given 1 no reson 1 no services here 1 no specfic reason 1 no specific reason 11 no such services in the community 1 no time to open one 1 no work 1 non applicable 1 none 28 not alicable 1 not aplicable 3 not aplication 1 not applicable 31 not applicable. 1 not available 3 not aware 1 not common in the community 1 not decided to 1 not enough funds 1 not enough money 3 not enought money 1 not important 1 not in employment 1 not in formal emplyment 1 not in our community 1 not interested 3 not known 1 not on employment 1 not present 3 not ready 1 not sure 1 not work 1 not working 8 not working and i don't have enough money 1 not working still at school 1 not yet in formal employment 1 not yet working 1 1 nothing 39 nothing to save 1 old age 2 our money is hand to mouth 1 planning to have an account 1 poverty 2 prefer mobile money 1 respondant does not have money 1 respondent does not have money 1 save at home 1 save with mobile money 1 saving money at home helps me use whenever i need 1 scared of getting arrested 1 school girl 1 sees no use for it currently 1 service charges are too high 1 services not available 1 she does have enough money to save 1 she does no have money to save 1 she does not have enough money to save 1 she does not have money to save there 1 she does not money to save and they far away 1 she doesn't have enough money to save. 1 she doesnt want 1 someone keeps and no need of me having it 1 still at sch!ol 1 still at school 5 still at the college 1 still go to school 1 still hadn't submitted TPIN 1 still in school and i dont have right documents 1 still making money 1 still young 5 stundent 1 the bank deducts too much money from the customer 1 the process is long 1 the services i get from chilimba are ok for me 1 there 1 1 there are no such here 4 there are no such services in this community 1 there is no bank here 2 there is no near by bank 1 there is no nearby bank 2 there no banks in my village 1 they eat my money 1 this service is new to me 1 too far and i dont have money 1 too old 2 too old to join 1 too old to use it 1 too young 2 tooo young to start saving 1 transport 1 uncomfortable with them 1 use mobile money 1 uses it when he runs out of money 1 we dont have banks 1 we dont have enough money 1 we dont have money 1 we dont have such services 2 we dont have them 16 we dont have them here 1 we dont know them 1 we dont them 1 we have just started life 1 will open an account soon 1 you can use the bank unless you've a business 1 K.5b Why don?t you use the services of a MFI to help you manage your money? 12637 144 1 Does not need it - Insufficient or no money coming it to jus 3611 2 Cannot maintain the minimum balance 902 3 Service charges are too high 580 4 They are too far away 2414 5 Hours are not convenient 48 6 Does not have the documentation required 465 7 Does not know how to open an account 403 8 Does not understand benefits of using them 1698 9 Does not trust them 330 10 They do not provide the products or services I need 265 11 Can get the same services elsewhere in the community 185 96 Other, specify 1736 Sysmiss 144 K.5b_S. Specify why you don't use the services of an MFI to help you manage your 1736 0 "Nothing" 2 "he does know about it" 1 "he does not know about it" 1 "he does not know" 1 "he had nope money to save" 1 "its very far" 1 "nothing because she old' 1 "she does not have money to save" 1 "she does not have money" 1 ALREADY HAS MOBILE MONEY 1 Age can not allow me 1 Aged 1 Already use the bank 1 BECAUSE MOBILE MONEY IS NEAR 1 Banks are enough for me 1 CAN NOT AFFORD 1 CANT MANAGE IT 1 Can get there services from the bank 1 DO IDEA ABOUT IT 1 DO NOT HAVE ANY MONEY TO SAVE 2 DO NOT HAVE ENOUGH MONEY TO SAVE 1 DO NOT HAVE MONEY 9 DO NOT HAVE MONEY TO SAVE 2 DO NOT HAVE MONEY YO SAVE 1 DO NOT HVAE ANY MONEY TO SAVE 1 DO NOT KNOW ABOUT 1 DO NOT SAVE 2 DOES NOT HAVE ENOUGH MONEY 1 DOES NOT HAVE MONEY 1 DOES NOT KNOW ANYTHING ABOUT MFI 1 DOES NOT KNOW THEM 1 DOESNT HAVE ANY INFORMATION 1 DOESNT KNOW ABOUT MFI 1 DOESNT KNOW WHAT MFI ARE 1 DON'T HAVE MONEY TO DO THAT AND DONT KNOW IT 1 DONT HAVE ANY MONEY TO SAVE 1 DONT HAVE INCOME YET 1 DONT HAVE INFORMATION 2 DONT HAVE MONEY 2 DONT HAVE MUCH INFORMATION 3 DONT KNOW 1 DONT KNOW ABOUT IT 1 DONT KNOW ABOUT MFI 2 DONT KNOW ANY 1 DONT KNOW ANY MFI 2 DONT KNOW HOW IT WORKS 1 DONT KNOW IT 2 DONT KNOW MFI 2 DONT KNOW MUCH ABOUT THEM 1 DONT KNOW THE INSTITUTION 1 DONT KNOW THEM 3 DONT KNOW THESE MFI. 1 DONT KNOW WHAT MFI ARE 1 DONT KNOW WHAT MFI ARE.. 1 DONT KNOW WHAT THEY ARE 1 DONT kNOW ABOUT THEM 1 Do not know anything about microfinance 1 Do not know it 1 Do not know what it is 1 Does not even know about it 1 Does not even know what MFI's are 1 Does not even know what MFi' are 1 Does not even know what it is 1 Does not have enough knowledge about their operati 1 1 Does not know MFI 6 Does not know about them 1 Does not know it 3 Does not need it 1 Does not need it at the Moment 1 Doesn't know what they are 2 Doesnt even know what it is 1 Don't have a lot of information 1 Don't have documents 1 Don't have money to save 1 Don't know about it 1 Don't know how it works 1 Don't know what it is 1 Don't understand how they operate or work. 1 Dont even know what it is 1 Dont even know what microfinance instititions are 1 Dont have enough money 1 Dont have enough money to bank 1 Dont have enough money to save 2 Dont have enough money to use there services 1 Dont have money 3 Dont have money to kerp there 1 Dont know 2 Dont know about it 4 Dont know about them 1 Dont know how it works 2 Dont know how they work 1 Dont know how to acess the services 1 Dont know them 3 Dont need their services 1 GET SERVICES I NEED WITH BANK 1 HAVE HEARD NOT ABOUT THEM 1 HAVE NO MONEY 1 Have never heard of it 5 Have no Idea 1 I ALREDY HAVE AN ACCONT 1 I CAN NOT AFFORD 1 I CANNOT MANAGE 1 I DONT HAVE CASH AND DONT KNOW IT 1 I DONT HAVE MONEY TO SAVE 2 I DONT KNOW IT 1 I DONT KNOW MUCH ABOUT IT 1 I DONT KNOW WERE TO FIND THEM 1 I DONT KNOW WHAT THEY ARE 1 I DONT NEED IT HAVE NO MONEY 1 I JAVE NOTHING TO SAVE 1 I SAVE IN MOBLE MONEY 1 I SERVE ELSEWHERE 1 I cannot afford it 1 I do not have money to bank 1 I don't have an NRC 1 I don't know what they offer 1 I dont have enough money to save 1 I dont have money 2 I dont have money to use there services 1 I dont know 1 I dont know it 5 I dont know where to find them 1 I dont understand them 1 I dont want 1 I dont want to work with them. 1 I dont work 2 I have no money 1 I heard it no 1 I've never heard of it 1 I've never heard of them 1 I. DONT NEED THEIR SERVICES 1 In school 1 JUST LENT ABOUT THEM NOW 1 Money is a little 1 NEVER AWARE OF THEM 1 NEVER BORROWED 1 NEVER HEARD ABOUR IT 1 NEVER HEARD ABOUT IT 13 NEVER HEARD OF IT 6 NEVER HEARD OF THE FACILITY 1 NEVER HEARD OF THEM 1 NO CASH AT HAND 1 NO ENOUGH MONEY 3 NO ENOUUGH MONEY 1 NO IDEA ABOUT IT 1 NO INCOME 3 NO INTEREST 1 NO INTREST 1 NO MONEY 13 NO MONEY FOR THE SERVICE 1 NO MONEY TO SAVE 1 NO REASON 5 NO SPECIFIC REASON 5 NONE 2 NOT APPLICABLLE 1 NOT AWA RED ABOUT IT 1 NOT AWARE ABOUT IT 2 NOT AWARE OF IT 1 NOT AWARE OF THE INSTITUTION 2 NOT AWARE OF THEM 1 NOT ELIGIBLE 1 NOT EMPLOYED 5 NOT EMPLOYED TO MANAGE PAYING BACK 1 NOT WORKING 3 Never heard 1 Never heard about it 3 Never heard of it 21 No Specific Reason 1 No cash 1 No idea 1 No idea how it works 1 No ideas about banking 1 No income 2 No information 1 No money 2 No money to save 4 No money to use 1 No need for it 1 No reason 2 No specific reason 3 No stable income 1 No suitable income 1 None 1 Not Applicable 3 Not aware of it 2 Not aware of microfinance institutions 1 Not away about them 1 Not employed 1 Not enough Money 1 Not in Employment 1 Not known here 1 Nothing 4 RESPONDENT DOES KNOW ABOUT MFI 1 RESPONDENT DOESNT KNOW ANYTHING ABOUT MFI 1 Respondant has a bank account 1 Respondent is occupied with school 1 SHE DOESNT KNOW WHAT IT IS. 1 STILL A SCHOOL BOY 1 STILL A SCHOOL GIRL 2 STILL AT SCH 1 STILL AT SCHOOL 1 STILL GO TO SCHOOL 1 Save with bank 1 1 She has no idea about it 1 She manages own her own 1 She manages with the husband 3 Still at school 1 THERE ARE NO SUCH FACILITIRES HERE 1 THEY ARE FOR THE RICH 1 THEY'RE FOR THE RICH 1 There are no Mfis in the Area 1 There are no mfis in the community 1 There arevno mfis in the Area. 1 There is limited information about Mfis 1 They are not accesible. 1 They are not available 1 They are very far 1 They mount too much pressure with repayments 1 USE IT FOR SALARY 1 Unware of the MFI 1 Use Airtel money 1 YI dont know it 1 aged 1 aged with no money 1 alread committed 1 already in another group 1 am capable of keeping my own money safely 1 am comfortable with the way i save 1 am not working 1 am old 1 am stil a school going pupil 1 am still schooling 1 am syill young 1 am too old 1 am too old to belong to any institution 1 bad transportation to where MFI are 1 because am always busy 1 because i don't have a nrc 1 because i dont have any viable source of income 1 because it is easy 1 can not afford 2 can't afford 1 cannot afford it 1 cannot maintain the minimum balance 1 cant afford 8 cant manage 1 comfortable keeping money for myself 1 comfortable with bank and chilimba services 1 currently unemployed 1 deosnt know what MFI is 1 did not answer 1 didn't know about them 1 didnt have 1 distance 1 do know the MFI 1 do not have any money to save 1 do not have enough knowledge on conditions 1 do not have enough money to also save 1 do not have money 8 do not have money to save 3 do not have money yet 1 do not have reliable income to maintain book balan 1 do not have this services 1 do not know 4 do not know about it 2 do not know about mfi 1 do not know about them 1 do not know how they work 1 do not know it 3 do not know the services offered 1 do not know them 5 do not know this services 1 do not know what they are 1 do not known it 1 do not understand them 1 do not understard it 1 do not want problems 1 do not work 1 do'nt have any money 1 does not have an income 1 does not have money to save 1 does not kknow about it 1 does not know MFI 8 does not know about it 4 does not know about them 5 does not know anything about mfi 1 does not know how it works 1 does not know it 2 does not know mfi 1 does not know the benefits 1 does not know them 5 does not know they work 1 does not know this service 1 does not know what it is 2 does not need it 1 doesn't have enough money and how it works. 1 doesn't how it works 1 doesn't know how it works 2 doesn't money to save. 1 doesn't work 1 doesnt know MFI 6 doesnt know about it 3 doesnt know it 1 doesnt know them 1 doesnt know what it is 1 doesnt knw any 1 doesnt like it 1 don'k know it 1 don't enough money to pay back 1 don't have a stable source on income 1 don't have alot of money 1 don't have an income 1 don't have documents 1 don't have moneY 1 don't have money 20 don't know 2 don't know about this services 1 don't know how it works 1 don't know it 6 don't know mfi 1 don't know such 1 don't know what it is 1 don't know what mfi is 1 don't know what micro finance is 1 don't need it 1 don't want 1 don't. know what it is 1 dont borrow 1 dont earn enough money 1 dont earn enough money to save with MFI 2 dont earn enough to save with MFI 1 dont even know what it is 1 dont even know what it means 1 dont feel like 1 dont get income 1 dont hab 1 dont have a reason 1 dont have an income 1 dont have an income to think of such things 1 dont have any money to save 7 dont have enough money 8 dont have enough money to save 11 dont have enough to save 4 dont have mfi 1 dont have money 31 dont have money to contribute 1 dont have money to pay 1 dont have money to put in the bank 1 dont have money to save 27 dont have money to say 1 dont have money tto save 1 dont have the money 1 dont have them 10 dont have to save 1 dont havr 1 dont kmow how to use it 1 dont kniw it 1 dont knon them 1 dont know 10 dont know about IMF 1 dont know about it 10 dont know about that 1 dont know about them 6 dont know and never head about them 1 dont know anything 1 dont know anything about MFI 1 dont know how 1 dont know how MFI 1 dont know how it works 2 dont know how its works 1 dont know how they operate 1 dont know how they work 1 dont know how to use it 2 dont know how to use the bank 1 dont know it 38 dont know it fully well 1 dont know know how to use it 1 dont know t he instution 1 dont know the service 1 dont know the services they offer 1 dont know them 35 dont know them(dont have enough money to save) 1 dont know then 1 dont know what it is 8 dont know what they are 4 dont know what they reald do or where to find them 1 dont know where they are 1 dont known it 1 dont known them 1 dont knownthem 1 dont knoww them 1 dont need 1 dont need it 4 dont need them 1 dont no it 3 dont use 2 dont want 5 dont work 2 dont worm 1 due to low income 1 due to luck of money 1 exaggerated interest rates 1 for now i do not have money to save 1 get the services from mobile money 1 happy with what i'm using 1 has never heard of them 1 has no idea 1 have a bank account 1 have less knoeledge about MFI 1 have mo money to save 1 have never been to school i dont work 1 have never head about them 1 have never heard about them 1 have never heard of it 3 have nevr seen these providers just hear about the 1 have no enough income 1 have no idea about them 1 have no income 1 have no income of my own 1 have no invome 1 have no money 5 have no money to manage 1 have stead income yet 1 have yet to join 1 havent thought about them 1 havent yet joined 1 he does have enough money to save 1 he doesnt know them 1 he has not heard about mif 1 here 1 i already have a savings account with my bank 1 i am still in school 1 i am too old to use such 1 i belong to silk 1 i can not afford 1 i can't afored 1 i cant afford 1 i cant walk 1 i didnt know i can save the money there 1 1 i do no have money to save 1 i do not have enough money 1 i do not have momey to save 1 i do not have money 4 i do not have money to pay back 1 i do not have money to save 14 i do not have money to save with mfi 1 i do not it know it 1 i do not kno about it 1 i do not know 1 i do not know it 2 i do not know them 1 i do'nt know it 1 i don't have any money 1 i don't have enough money 1 i don't have money 7 i don't have money to save 3 i don't knnow what they are 1 i don't know 1 i don't know how it works 1 i don't know how they work 1 i don't know it 1 i don't know what it is 4 i don't know what they are 1 i don't save the money 1 i dont an income 1 i dont earn money 1 i dont found money deal to my status 1 i dont have a job 1 i dont have an nrc 1 i dont have any money 1 i dont have any money to save 1 i dont have enough money 1 i dont have enough to save 1 i dont have intrest 1 i dont have money 18 i dont have money save 2 i dont have money to save 7 i dont have more money 1 i dont have much money 1 i dont havr money 1 i dont just want 1 i dont know 5 i dont know about it 2 i dont know about them 1 i dont know anthing 1 i dont know anything about them 1 i dont know how it works 2 i dont know how they operate 1 i dont know how they work 1 i dont know how to use it 1 i dont know it 15 i dont know it have just heard about it just now 1 i dont know its services 1 i dont know its use 1 i dont know much about them 1 i dont know the services offered 1 i dont know them 19 i dont know want it is 1 i dont know want they are 1 i dont know what it is 2 i dont know what it means 1 i dont know what mfl is 1 i dont know what they are 1 i dont know. 1 i dont konw them 1 i dont need it 1 i dont need them 1 i dont no these groups 1 i dont remain with any money. 1 i dont them well 1 i dont trust 1 i dont trust them 1 i dont ve money to save 1 i dont want 8 i dont work 3 i have account already with mtn mobile money 1 1 i have little or insufficient knowledge about them 1 i have never haed of it 2 i have never head about them 1 i have never head of it 1 i have never head of them 3 i have never heard about it 2 i have never heard about them 1 i have nevet head of it 1 i have no business with it 1 i have no enough money to belong to such 1 i have no idea 2 i have no ideal 1 i have no income 1 i have no interest in banks 1 i have no money to save 2 i havent payed attetion to it 1 i hhve somwhere to save 1 i just dont want 1 i know it 1 i know nothing 1 i never heard about it 1 i never heard it 1 i no money to save 1 i save my money in mtn mobile 1 i use mobile money so i dont need MFI as at now 1 i use the services of a silk group 1 i uses mobile money phone 1 i uses mobile money/mobile phone eg airtel/mtn 1 i uses mobile phone 1 iam in school 1 im not working have no idear 1 im old cant use such services 1 in chilimba 1 in future 1 in future she will start using 1 insufficient funds 1 insufficient knowledge 1 intrests are high 1 it is a share waste of time 1 its far 7 its for rich people 1 its not here 3 just don't need it 1 just don't want 1 just dont want 1 just heard it today 1 l don't know 3 l don't know about them 1 l don't know anything 1 l don't know them 2 l dont have an account with them 1 l dont have enough money 1 l dont have money 1 l dont know about it 2 l have never heard about it 1 l have never heard of it 1 l never heard of it 1 l never of it 1 lack of enough money to invest 1 lack of money 3 lack of money to invest 3 less knowledge about these institutions 1 less knowledge on how they work 1 little knowledge about them 1 little knowlege about them 1 little or insufficient knowledge 2 low income 1 may not be able to pay back 1 mobile money is enough for me 1 my father didnt tell me abt it 1 nener heard of it 1 never head 1 never head aboult it 1 never head about it 1 never head it 1 never head of it 1 never head of it until now 1 never head of them 3 never heard 11 never heard about MFI and its services. 1 never heard about it 8 never heard about them 14 never heard and cant afford 3 never heard it 4 never heard it before 1 never heard of it 30 never heard of it until now 7 never heard of such until now 2 never heard of them 31 never heard of them until now 1 never heard of until now 1 never heard until now 3 never heard/ l dont have money 1 never hears of them until now 1 never knew about them 1 never known 1 never known them 1 never paid much attention 1 never thought about it 1 never used the bank before 1 never used them 1 never. knew about them 1 no access 1 no account 1 no bank 2 no cash 1 no contact 1 no enough funds 1 no enough income 1 no enough money 12 no facilities 1 no formal job 1 no idea 4 no idea about them 1 no idea of how to use it 1 no ideal 1 no income 11 no income still in school 2 no information 1 no information about mfi 1 no information about them 1 no interest 1 no knowledge 1 no knowledge of their services 1 no maney to save 1 no mfi 1 no mfi here 1 no mfi in the area 1 no mondy to save 1 no money 52 no money and MFI 1 no money to manage 3 no money to payback loans 1 no money to save 17 no money to use services 1 no need 2 no need of using it 1 no papaers 1 no reason 16 no service 1 no services in the community 1 no source of income 1 no specific reason 8 no such facilities 1 no such seevices 1 no such services 18 no such services here 1 no such services in my area 1 no such services in my community 1 no such services in the community 1 no time 1 non applicable 1 none 48 not advertised well 1 not ap 1 not aplicable 1 not aplication 1 not applicable 32 not applicablr 1 not applicanle 1 not available 5 not available in the community 2 not aware 3 not aware about it 1 not aware of any 1 not aware of it 1 not aware of mfi 1 not aware of this institution 1 not enough money 3 not formally employed 1 not in our community 1 not in the area 1 not interested 3 not intersted with their services 1 not know 1 not know mfi 2 not know what it is 1 not know where 1 not knowledgeable 1 not known 2 not necessary 1 not now 1 not present here 3 not specific reason 1 not sure 2 not sure about them 1 not work 1 not working 3 not yet 1 not yet working 1 nothing 39 nowhere n 1 np nrc 1 old age 2 only govt workers apply 1 only learnt about them today 1 only loan money to people with a business 1 our money is hand to mouth 1 poverty 1 recomended by employer 1 respondant does not have money 1 save at home 1 save with the bank 1 school girl 1 sees no use currently 1 services are too far 1 services with bank are enough for me 1 she does have enough money to save 2 she does have money to save. 1 she does not have enough money to save 1 she does not have money to save there. 1 she does not know how it works 1 she doesn't know 1 she doesnt want 1 soesnt know mfi 1 still a student 1 still at achool 1 still at school 4 still at school and a dependant 1 still at the college 1 still held up 1 still in school 1 still young 5 stundent 1 the bank is enough 1 the kind of job I do do not give me enough to save 1 the respondant doesn't know 1 the services i get from chilimba are ok for me 1 there are no such 1 there are no such groups here 1 there are no such here 2 there are no such institution 1 there are no such services here 1 there is no need 1 thers no money to save 1 they are not available 1 they are not found here 1 they are not such services in my community 1 they are smilar with banks 1 they are unvailable in my area 1 they are very far 1 they do help us 1 too expensive 1 too old 1 too old for that 1 too old to join 1 too old to use them 1 too poor 1 too young 2 use mobile money 1 use momo 1 use the bank 1 very poor to manage it 1 we do not have them 1 we dont have money 1 we dont have them 14 we dont know them 1 we dont them 1 we dont usen them 1 you can serve with MFI if you've a business 1 K.5c What is the main reason why you use moneylenders? 151 12630 1 Quick access to money 75 2 They are in the community/they are close 32 3 I have no other options to borrow from 19 4 I know them 10 5 Can borrow small or large amounts 10 6 Other, specify 5 Sysmiss 12630 K.5c_S. Specify the main reason you use moneylenders 5 0 Not Applicable 1 To get a capital 1 eazy to get money 1 they provide good services 1 when i have emergence 1 K.6 Apart from family and friends, why don?t you use any institution or organisa 10314 2467 1 Don?t trust others with my money 1085 2 They don?t offer services that will suit my needs 498 3 They are expensive/charge too much 975 4 I don?t see any value in what they offer 666 5 They are too far away 2005 6 No specific reason 3856 7 Religious reason 66 8 Other, specify 1163 Sysmiss 2467 K.6_S. Specify why you don't use any institution or organisation to help you man 1163 0 "I dont need it". 1 "I have no capacity or source of income 1 "I will start when i start having money". 1 "his parents does not permit him do so" 1 "she does have money to save" 1 "she does have power to do that at the moment" 1 "she does not have money" 1 "she does not money to save 1 "she does rely on her family" 1 CAN NOT AFFORD 1 CAN NOT MANAGE 1 DO NOT HAVE INCOME 1 DO NOT HAVE MONEY 4 DO NOT HAVE MONEY TO SAVE 1 DOES NOT HAVE A SOURCE OF INCOME 1 DOES NOT HAVE ENOUGH MONEY 1 DOES NOT HAVE MONEY 1 DON'T HAVE INCOME 1 DON'T HAVE MONEY 1 DON'T HAVE MONEY FOR THE ADVISE 1 DONT HAVE ANY MONEY 3 DONT HAVE ANY MONEY TO SAVE 1 DONT HAVE CASH TO DO THAT 1 DONT HAVE ENOUGH 1 DONT HAVE ENOUGH MONEY 2 DONT HAVE MONEY 3 DONT KNOW WHERE THEY ARE FOUND 1 DONT USUALLY MONEY OF MY OWN 1 Do not have money 3 Do not know about doing that 1 Do not need them 1 Does not even know about it 1 Does not really know their benefits 1 Doesnt have money 1 Don't have any money 1 Don't have enough money. 1 Don't have money 2 Don't know any of these 1 Don't know how most how most of them work 1 Don't know them 2 Don't know them. 1 Don't think we have sufficient money to take there 1 Dont earn any money 1 Dont earn enough money 1 Dont earn enough money to use a banks 1 Dont earn money 1 Dont have an income 1 Dont have an income because of old age 1 Dont have any income coming 1 Dont have enough money 1 Dont have enough money to save 2 Dont have enough money to take to institutions 1 Dont have enough money to take to instutions 1 Dont have money 5 Dont have money for them to manage for me. 1 Dont have money to save 2 Dont have money to use a bank 1 Dont have money to use financial services 1 Dont have money to use such services 1 Dont need their service at my age 1 Dont need them 1 Dont really know what they really offer 1 HAS NO PEOPLE TO DO THEM WITH 1 HAS NO SOURCE OF INCOME 1 HAVE NO CASH OF MY OWN 1 HAVE NO ENOUGH MONEY 1 HAVE NO MONEY 1 HAVE NO MONEY TO DO THAT 1 HIGH CHARGES 1 Hardly have money to manage 1 Have no money 1 Havent taken time to know more about them. 1 He do not have money to save 1 He dont have enough money to manage 1 He dont have money to manage 2 He dont have money. to manage 1 He manages for himself 1 His content with the way Money is Manage 1 1 I DONT HAVE CASH 1 I DONT HAVE ENOUGH MONEY 1 I DONT HAVE ENOUGH MONEY TO SAVE 1 I DONT HAVE MONEY 7 I DONT HAVE MONEY TO BE MANAGED 1 I DONT HAVE MONEY TO DO THAT 2 I DONT HAVE MONEY TO SAVE 1 I DONT KNOW WERE TO FIND THEM 1 I DONT WORK 1 I NOT HAVE ENOUGH KNOWELEDGE 1 I USE MOBILE MONEY 1 I am just a dependant. 1 1 I do not have money 1 I do not have money to manage 1 I don't have enough money to save. 1 I don't know their services. 1 I dont earn enough 1 I dont generate any money of my own, dependant! 1 I dont get any income 3 I dont have money 3 I dont have money to use a banking institution 1 I dont have money to use their services 1 I dont have much information about them 1 I dont have the capacity to open and sustain it 1 I dont know it 3 I dont know the meaning 1 I dont know them 1 I dont need them 1 I dont understand how the work 2 I dont work 2 I manage my income 1 I manage own my own 1 I rarely have money to manage 1 IAM STILL AT SCHOOL I DONT HAVE MONEY 1 IM OK WITH THE ONE I USE 1 INSUFFICIENT FUNDS TO JUSTIFY IT 1 Its far 1 LACK OF INFORMATION ABOUT BANKS 1 Lack of availability 1 Little income 1 MOBILE MONEY IS COVINIENT 1 Managing funds with the partner is enough 1 My father cant allow me 1 NEVER BORROWED 1 NO CASH 1 1 NO ENOUGH CASH TO DO THAT 1 NO ENOUGH FUNDS 1 NO ENOUGH MONEY 7 NO ENOUGH MONEY TO SAVE 1 NO INCOME 6 NO INTEREST 1 NO MONEY 16 NO MONEY FOR THAT 1 NO MONEY TO DO THAT 2 NO MONEY TO SAVE 2 NO ONE HAS TOLD ME ABOUT IT 1 NOT AWARE ABOUT THEM 1 NOT AWARE OF THE INSTITUTIONS 1 NOT EMPLOYED 1 NOT ENOUGH INCOME 1 NOT INTERESTED 1 NOT WORKING 1 NOTHING TO DEPOSIT 1 No Income 3 No access 1 No enough money 1 No income 1 No money 6 1 No money coming 1 No money know them 1 No money to manage. 1 No money to put in institutions 1 No money to save 1 No money to use a banking institution 1 No money to use bank services 1 No money to use such services 1 No mony for such services. 1 No source of income 2 Not Applicable 1 Not applicable 1 Not enough money to manage 1 Not enough money to save 1 Not in formal employment. 1 Not yet ready for it 1 Old for such 1 RESPONDENT HAS NO SOURCE OF INCOME 2 Rely on family(aged) 1 STILL AT SCH 1 STILL AT SCHOOL 1 She dont have money to ask for help 1 She dont have money to manage 2 She manages on her own 1 She manages with the husband 1 She manages with the husband. 1 Still at school 1 THERE NO BANKS IN THIS AREA 1 THEY ARE EXPENSIVE AND SHE DOESNT HAVE THE MONEY 1 The money is not enough 1 There is no money coming 1 There is no money to use such services 1 There is no source of income 1 They are far from here 1 They are not available 1 They are not known 2 They have never such organisation in this area 1 They not around here 1 Thinks h her money is too little. 1 Use Another service 1 afraid would not be able to pay back 1 am neither working nor business 1 am stil a school going pupil 1 am still a dependant 1 am still in school 1 am still young 2 am too young to do those services 1 at church 1 avoid interest rates 1 because am always busy 1 because i dont haveany money to manage 1 business 1 can't afford 1 can't manage still at school 1 cant afford 1 cant manage 1 couse i dont have money to save 1 cutrently unemployed 1 depends on parents 1 did not have money to save 1 do have money to pay back 1 do not have any income 3 do not have any income at the moment 1 do not have documentaion requred 1 1 do not have enough money 2 do not have enough money to save 1 do not have eough money to save 1 do not have income 1 do not have lots Of money 1 do not have money 5 do not have the money 1 do not know about them 1 do not know how it works 2 do not know of them 1 do not know such institutions 1 do not know such organisations 1 do not know the benefits of using a bank 1 do not know the services provided 1 do not know them 1 do not need them 1 do'nt have any money 1 dob't have money 1 documents doesn't have 1 does not have an income 1 does not have enough enough 1 does not have enough mone to save 1 does not have enough money 1 does not have money 1 does not have sufficient money to do so 1 does not know how to access them 1 does not know the benefit 1 does not know the benefits of them 1 does not know them 2 does not need it 1 does not save money 1 does not usually have money to saave 1 doesn't enough money to save through such institut 1 doesnt have an income 1 doesnt have enough money 2 doesnt have enough money to save 1 doesnt have money 2 doesnt have money to do that 1 doesnt have the money for such facilities 1 doesnt know any institution or organisation 1 doesnt know of them 1 doesnt understand any of these 1 doing thing 1 don't have a stable source on income 1 don't have an income 3 don't have enough money 2 don't have enough money to save 5 don't have income 3 don't have money 13 don't have money to save 2 don't know about it 1 don't know about them 1 don't know any 1 don't know anything about 1 don't know how it works 1 don't know how to use them 1 don't know it 1 don't know them 1 don't money 1 don't money to save 1 don't want 2 dong have an income 1 dont any organisations or institutions for such 1 dont earn enough money 2 dont earn enough money to save 2 dont earn enough to save 1 dont earn money to engage banks 1 dont get income 2 dont get money 2 dont have access 2 dont have an income 2 dont have any in my community 1 dont have any money to save 4 dont have documentation needed. 1 dont have enough money 14 dont have enough money to keep in the bank 1 dont have enough money to save 5 dont have enough money. 1 dont have enough moneyn 1 dont have enough to save 2 dont have enought money 1 dont have enougph money 1 dont have funds 1 dont have income 1 dont have moneey 1 dont have money 37 dont have money of my own 1 dont have money to keep 1 dont have money to pay back 1 dont have money to save 19 dont have money to savr 1 dont have money to. save 1 dont have money worth saving 1 dont have money(she is being kept) 1 dont have monry 1 dont have my NRC 1 dont have the capacity 1 dont have the money to save 1 dont income 1 dont just get 1 dont just have money 1 dont know about institution and organisation. 1 dont know about it 1 dont know about them 1 dont know anthing about them 1 dont know any 2 dont know anyother 1 dont know anything about them 1 dont know finamcial institutions 1 dont know how 1 dont know how it works 1 dont know how they work 2 dont know how to go about it 2 dont know how to join this services 1 dont know it 2 dont know other organisations 1 dont know them 4 dont know were to find it 2 dont know were to locate them 1 dont know what it is 1 dont know where to find it 1 dont need it 1 dont need them 3 dont no where to go 1 dont save 2 dont save money 1 dont understand them 1 dont usualy have money to save 1 dont want to use them 1 dont work 3 dont work dont have money 1 fear borrowing 1 fear of being taken to jail 1 finances are too little 1 hand to mouth money 2 has no enough money to save 1 has no income 1 has no income coming in 1 has no knowledge about these services 1 has no money 1 have insuficient money to be helped 1 have less money 1 have moble money 1 have money money 1 have never heard of that 1 have no enough income 1 have no enough money 2 have no enough money to save 1 have no income 2 have no invome 1 have no money 3 have no money to manage 2 have no money to put in 1 he does have enough money to save 1 he uses mobile money 1 here 1 i am afraid of my properties being taken away 1 i am too old to use such and dont need them 1 i belong to a village bank 1 i can keep it myself 1 i can manage it on my on 1 i can not maintain the minimum balance 1 i cant afford any money 1 i cant maintain minimum balance 1 i do it myself 1 i do miss them 1 i do not have 1 i do not have enough money 1 i do not have enough money to save 1 i do not have money 4 i do not have money to pay back 1 i do not have money to save 14 i do not have much to save 1 i don't get an income 1 i don't get any income 1 i don't get any income yet 1 i don't have a regular income 1 i don't have an income 1 i don't have any money 1 i don't have any money or not working 1 i don't have enough money 1 i don't have money 8 i don't have money to save 4 i don't know 1 i don't know how to use them. 1 i don't money 1 i don't think about banks since i don't have money 1 i dont borrow 1 i dont feel like 1 i dont have a job 1 i dont have an income 1 i dont have any money to manage 1 i dont have any money to save 1 i dont have money 13 i dont have money i dont work 1 i dont have money regulary 1 i dont have money to manage 2 i dont have money to manage in any institution 1 i dont have money to save 8 i dont have money to spend 1 i dont have money to take there 1 i dont have money,it is hard to find money here 1 i dont have money/ account to save 1 i dont have money/an income 1 i dont have own money 1 i dont have sufficient balance 1 i dont just want 1 i dont know how to go about it 1 i dont know that can borrow money somewhere 1 i dont know the benefits 1 i dont know the procedure 1 i dont know them 3 i dont like it 1 i dont money to take there 1 i dont need them 1 i dont trust them 1 i dont understand the benefits 1 i dont want 2 i dont work 1 i go to the bank 1 i have a hand to mouth money 1 i have a low income 1 i have insuficient money 1 i have insuficient money to save 1 i have insuficient to save 1 i have just stared wotking 1 i have less income 1 i have never head of them 1 i have no enough money 2 i have no enough money to save 1 i have no income 1 i have no knowledge on how they operate 1 i have no money 2 i have no money to save 4 i have nothing to save 1 i just dont know them 1 i keep for my self 1 i keep for myself 1 i keep it myself 1 i not have money 1 i only have enough money to use in my business 1 i think that the bank cannot give me back my money 1 i use a church group 1 i use my phone 1 i use the services of a silk group 1 i will when i get a job 1 iam old 1 ican not maintain the minimum balance 1 in future she will start 1 in future she will start not now 1 income not enough 1 income too little 1 insufficient 1 insufficient funds 6 insufficient income 1 insufficient knowledge 4 insufficient knowledge and funds 2 insufficient money 1 insuffient funds 1 insuficient money 1 insuficient money to save 1 it needs enough money 1 its far 6 its here 1 its not here 1 just don't want 1 just dont want 1 keep money on mtn money 1 know nothing 1 l did not know them 1 l don't have money 1 l don't have money to save 1 l dont have enough money 1 l dont have money 2 l'm not independent yet 1 lack of enough income 1 lack of income 1 lack of money 2 lack of money to invest 1 less income 1 lm still under my parents 1 low income 1 low income which does not neec specialists 1 luck of enough money to save with them 1 luck of money 1 lucky of knowledge 1 money is hard to find 1 money is not enough 1 my money it not enough 1 never head about them 1 never head of them until now 1 never head of them untill now 1 1 never heard about them 4 never heard of it 2 never heard of it until now 1 never heard of other institution 1 never heard of such until now 2 never heard of them 6 never heard of them until now 1 never heard of until now 1 never knew about them 1 never learnt about the benefits 1 never tried them 1 never tried there services 1 never want 1 no answer 1 no bank 2 no banks here 2 no business 1 no cash 1 no cash my income is low 1 no contact 1 no enough funds 2 no enough income 1 no enough money 11 no enough money to save 6 no facility 1 no financies at the moment 1 no funds 1 no idea 1 no income 19 no income available 1 no income yet 1 no institutions 1 no institutions available 1 no knowledge about such services 1 no moneu 1 no money 58 no money and lack knowledge about institutions 1 no money around 1 no money for such services 3 no money i dont work 1 no money im a pupil 1 no money to bank 1 no money to be helped to manage it 1 no money to be managed 1 no money to manage 9 no money to put in the bank 1 no money to save 39 no money to save with a bank 1 no money to take there 1 no money to use 1 no money with me 1 no mpney to pay back 1 no need 3 no need , doesnt have funds 1 no need the respondent is old 1 no nrc 1 no reason 2 no regular income 1 no source of income 1 no stable income 1 no such facilities 1 no such institutions around 1 no time 1 nohing 1 nomoney 1 none 17 not aplicable 2 not apllicable 1 not applicable 20 not available 1 not aware of any 1 not aware of it 1 not aware of them 1 not clear how they opperate 1 not decided 1 not enough 1 not enough cash 1 not enough money 8 not enough money coming in 3 not enough money to save 2 not farmiliar with how they work 1 not found here 1 not have enough income 1 not having enough momey 1 not important as for now 1 not interested 1 not knowledgeable about them 1 not known 2 not present 1 not ready 1 not work 1 not working 1 not workng 1 not yet read for such sevices 1 not yet ready 1 not yet ready for sucb organisations 1 nothing 14 nothing to take there 1 old age 1 old age and have no income 1 only hear of it today 1 only saves with mobile money 1 our money is hand to mouth 1 parents dont allow 1 poverty 1 proccesses are difficult 1 rarely have money 1 repayment terms suti her 1 save at home 1 save on mobile phone 1 services complicated 1 she does have enough money to save 1 she does have enough money to save . 1 she does not have money to save and they are toofa 1 she doesn't have support doccuments and too far 1 she doesnt have money 2 she is still schooling 1 she will start next year 1 she will start when settled 1 stil going to school 1 still a pupil 1 still at school 2 still depends on parents 1 still in school 2 still staying with my sister 1 still young 2 still young and nowhere to find money 1 student 1 theft 1 there are no groups here 1 there are no such 1 there are no such groups here 1 there are no such institutions 1 there are no such institutions here 1 there is no need 1 there no such services here 1 these are not here 1 they are far 1 they are far from her community. 1 they are not here 1 they don't make us join 1 they need educated people 1 they only deal with poeple in employment 1 they say they dont have 1 too far 1 too far and have no knowledge about banks 1 too old to join 1 traditional brief 1 use mobile money 1 we don't have them here 1 we don't save money here we save our produce 1 we dont have money to save 1 we dont have such institutions 2 we dont have such organisations here 1 we dont have such service 1 we have no such groups 1 when his done with school he will start 1 when things starts going well he will open one 1 L1_S. Specify other facility 0 0 FACILITY.1: Facility 12706 75 1 Filling station 12706 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 Sysmiss 75 L1A.1: L.1a. How long would it take you to get to your nearest?..by foot? 12623 158 1 15 minutes or less 1020 2 More than 15 to 30 minutes 1189 3 More than 30 minutes to an hour 1525 4 More than an hour 5619 9 Don?t know 3270 Sysmiss 158 L1B.1: L.1b. How long would it take you to get to your nearest?..by bicycle? 12623 158 1 15 minutes or less 1932 2 More than 15 to 30 minutes 1657 3 More than 30 minutes to an hour 1578 4 More than an hour 4314 9 Don?t know 3142 Sysmiss 158 L11C.1: L.1c. How long would it take you to get to your nearest?..by road? 12623 158 1 15 minutes or less 3367 2 More than 15 to 30 minutes 1688 3 More than 30 minutes to an hour 1412 4 More than an hour 3217 9 Don?t know 2939 Sysmiss 158 L10_2.1: L.10.2. Would you be comfortable to deposit and withdraw money at this 12623 158 1 Yes 6579 2 No 6044 Sysmiss 158 FACILITY.2: Facility 12623 158 1 Filling station 0 2 Supermarket 12623 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 Sysmiss 158 L1A.2: L.1a. How long would it take you to get to your nearest?..by foot? 12623 158 1 15 minutes or less 1181 2 More than 15 to 30 minutes 1245 3 More than 30 minutes to an hour 1572 4 More than an hour 4773 9 Don?t know 3852 Sysmiss 158 L1B.2: L.1b. How long would it take you to get to your nearest?..by bicycle? 12622 159 1 15 minutes or less 2040 2 More than 15 to 30 minutes 1773 3 More than 30 minutes to an hour 1402 4 More than an hour 3658 9 Don?t know 3749 Sysmiss 159 L11C.2: L.1c. How long would it take you to get to your nearest?..by road? 12622 159 1 15 minutes or less 3440 2 More than 15 to 30 minutes 1575 3 More than 30 minutes to an hour 1196 4 More than an hour 2796 9 Don?t know 3615 Sysmiss 159 L10_2.2: L.10.2. Would you be comfortable to deposit and withdraw money at this 12622 159 1 Yes 6618 2 No 6004 Sysmiss 159 FACILITY.3: Facility 12622 159 1 Filling station 0 2 Supermarket 0 3 School 12622 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 Sysmiss 159 L1A.3: L.1a. How long would it take you to get to your nearest?..by foot? 12622 159 1 15 minutes or less 4521 2 More than 15 to 30 minutes 2974 3 More than 30 minutes to an hour 2576 4 More than an hour 2006 9 Don?t know 545 Sysmiss 159 L1B.3: L.1b. How long would it take you to get to your nearest?..by bicycle? 12622 159 1 15 minutes or less 6603 2 More than 15 to 30 minutes 2953 3 More than 30 minutes to an hour 1504 4 More than an hour 854 9 Don?t know 708 Sysmiss 159 L11C.3: L.1c. How long would it take you to get to your nearest?..by road? 12622 159 1 15 minutes or less 8759 2 More than 15 to 30 minutes 1718 3 More than 30 minutes to an hour 664 4 More than an hour 552 9 Don?t know 929 Sysmiss 159 L10_2.3: L.10.2. Would you be comfortable to deposit and withdraw money at this 12622 159 1 Yes 7821 2 No 4801 Sysmiss 159 FACILITY.4: Facility 12622 159 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 12622 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 Sysmiss 159 L1A.4: L.1a. How long would it take you to get to your nearest?..by foot? 12621 160 1 15 minutes or less 2815 2 More than 15 to 30 minutes 2688 3 More than 30 minutes to an hour 2703 4 More than an hour 3859 9 Don?t know 556 Sysmiss 160 L1B.4: L.1b. How long would it take you to get to your nearest?..by bicycle? 12621 160 1 15 minutes or less 4608 2 More than 15 to 30 minutes 3210 3 More than 30 minutes to an hour 2245 4 More than an hour 1832 9 Don?t know 726 Sysmiss 160 L11C.4: L.1c. How long would it take you to get to your nearest?..by road? 12621 160 1 15 minutes or less 7084 2 More than 15 to 30 minutes 2374 3 More than 30 minutes to an hour 1165 4 More than an hour 1007 9 Don?t know 991 Sysmiss 160 L10_2.4: L.10.2. Would you be comfortable to deposit and withdraw money at this 12621 160 1 Yes 7867 2 No 4754 Sysmiss 160 FACILITY.5: Facility 12621 160 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 12621 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 Sysmiss 160 L1A.5: L.1a. How long would it take you to get to your nearest?..by foot? 12621 160 1 15 minutes or less 555 2 More than 15 to 30 minutes 829 3 More than 30 minutes to an hour 1466 4 More than an hour 5301 9 Don?t know 4470 Sysmiss 160 L1B.5: L.1b. How long would it take you to get to your nearest?..by bicycle? 12621 160 1 15 minutes or less 1078 2 More than 15 to 30 minutes 1547 3 More than 30 minutes to an hour 1785 4 More than an hour 3794 9 Don?t know 4417 Sysmiss 160 L11C.5: L.1c. How long would it take you to get to your nearest?..by road? 12621 160 1 15 minutes or less 2319 2 More than 15 to 30 minutes 1772 3 More than 30 minutes to an hour 1405 4 More than an hour 2845 9 Don?t know 4280 Sysmiss 160 L10_2.5: L.10.2. Would you be comfortable to deposit and withdraw money at this 12621 160 1 Yes 6021 2 No 6600 Sysmiss 160 FACILITY.6: Facility 12621 160 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 12621 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 Sysmiss 160 L1A.6: L.1a. How long would it take you to get to your nearest?..by foot? 12621 160 1 15 minutes or less 750 2 More than 15 to 30 minutes 1057 3 More than 30 minutes to an hour 1555 4 More than an hour 4935 9 Don?t know 4324 Sysmiss 160 L1B.6: L.1b. How long would it take you to get to your nearest?..by bicycle? 12621 160 1 15 minutes or less 1401 2 More than 15 to 30 minutes 1701 3 More than 30 minutes to an hour 1538 4 More than an hour 3729 9 Don?t know 4252 Sysmiss 160 L11C.6: L.1c. How long would it take you to get to your nearest?..by road? 12621 160 1 15 minutes or less 2785 2 More than 15 to 30 minutes 1629 3 More than 30 minutes to an hour 1230 4 More than an hour 2872 9 Don?t know 4105 Sysmiss 160 L10_2.6: L.10.2. Would you be comfortable to deposit and withdraw money at this 12621 160 1 Yes 6904 2 No 5717 Sysmiss 160 FACILITY.7: Facility 12621 160 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 12621 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 Sysmiss 160 L1A.7: L.1a. How long would it take you to get to your nearest?..by foot? 12621 160 1 15 minutes or less 314 2 More than 15 to 30 minutes 479 3 More than 30 minutes to an hour 791 4 More than an hour 3019 9 Don?t know 8018 Sysmiss 160 L1B.7: L.1b. How long would it take you to get to your nearest?..by bicycle? 12621 160 1 15 minutes or less 593 2 More than 15 to 30 minutes 854 3 More than 30 minutes to an hour 960 4 More than an hour 2260 9 Don?t know 7954 Sysmiss 160 L11C.7: L.1c. How long would it take you to get to your nearest?..by road? 12621 160 1 15 minutes or less 1285 2 More than 15 to 30 minutes 937 3 More than 30 minutes to an hour 751 4 More than an hour 1776 9 Don?t know 7872 Sysmiss 160 L10_2.7: L.10.2. Would you be comfortable to deposit and withdraw money at this 12621 160 1 Yes 4420 2 No 8201 Sysmiss 160 FACILITY.8: Facility 12621 160 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 12621 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 Sysmiss 160 L1A.8: L.1a. How long would it take you to get to your nearest?..by foot? 12621 160 1 15 minutes or less 221 2 More than 15 to 30 minutes 383 3 More than 30 minutes to an hour 769 4 More than an hour 3099 9 Don?t know 8149 Sysmiss 160 L1B.8: L.1b. How long would it take you to get to your nearest?..by bicycle? 12621 160 1 15 minutes or less 435 2 More than 15 to 30 minutes 804 3 More than 30 minutes to an hour 1114 4 More than an hour 2174 9 Don?t know 8094 Sysmiss 160 L11C.8: L.1c. How long would it take you to get to your nearest?..by road? 12621 160 1 15 minutes or less 1062 2 More than 15 to 30 minutes 1051 3 More than 30 minutes to an hour 789 4 More than an hour 1726 9 Don?t know 7993 Sysmiss 160 L10_2.8: L.10.2. Would you be comfortable to deposit and withdraw money at this 12621 160 1 Yes 4450 2 No 8171 Sysmiss 160 FACILITY.9: Facility 12621 160 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 12621 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 Sysmiss 160 L1A.9: L.1a. How long would it take you to get to your nearest?..by foot? 12621 160 1 15 minutes or less 263 2 More than 15 to 30 minutes 446 3 More than 30 minutes to an hour 882 4 More than an hour 3041 9 Don?t know 7989 Sysmiss 160 L1B.9: L.1b. How long would it take you to get to your nearest?..by bicycle? 12621 160 1 15 minutes or less 500 2 More than 15 to 30 minutes 931 3 More than 30 minutes to an hour 1065 4 More than an hour 2197 9 Don?t know 7928 Sysmiss 160 L11C.9: L.1c. How long would it take you to get to your nearest?..by road? 12621 160 1 15 minutes or less 1246 2 More than 15 to 30 minutes 1022 3 More than 30 minutes to an hour 792 4 More than an hour 1758 9 Don?t know 7803 Sysmiss 160 L10_2.9: L.10.2. Would you be comfortable to deposit and withdraw money at this 12621 160 1 Yes 4416 2 No 8205 Sysmiss 160 FACILITY.10: Facility 12621 160 10 10 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 12621 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 L1A.10: L.1a. How long would it take you to get to your nearest?..by foot? 12621 160 1 15 minutes or less 4357 2 More than 15 to 30 minutes 1470 3 More than 30 minutes to an hour 1393 4 More than an hour 3084 9 Don?t know 2317 Sysmiss 160 L1B.10: L.1b. How long would it take you to get to your nearest?..by bicycle? 12621 160 1 15 minutes or less 5294 2 More than 15 to 30 minutes 1625 3 More than 30 minutes to an hour 1355 4 More than an hour 2059 9 Don?t know 2288 Sysmiss 160 L11C.10: L.1c. How long would it take you to get to your nearest?..by road? 12621 160 1 15 minutes or less 6597 2 More than 15 to 30 minutes 1412 3 More than 30 minutes to an hour 932 4 More than an hour 1346 9 Don?t know 2334 Sysmiss 160 L10_2.10: L.10.2. Would you be comfortable to deposit and withdraw money at this 12621 160 1 Yes 8268 2 No 4353 Sysmiss 160 FACILITY.11: Facility 12621 160 11 11 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 12621 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 0 L1A.11: L.1a. How long would it take you to get to your nearest?..by foot? 12621 160 1 15 minutes or less 1463 2 More than 15 to 30 minutes 1099 3 More than 30 minutes to an hour 1113 4 More than an hour 3779 9 Don?t know 5167 Sysmiss 160 L1B.11: L.1b. How long would it take you to get to your nearest?..by bicycle? 12621 160 1 15 minutes or less 2078 2 More than 15 to 30 minutes 1392 3 More than 30 minutes to an hour 1139 4 More than an hour 2920 9 Don?t know 5092 Sysmiss 160 L11C.11: L.1c. How long would it take you to get to your nearest?..by road? 12621 160 1 15 minutes or less 3208 2 More than 15 to 30 minutes 1217 3 More than 30 minutes to an hour 975 4 More than an hour 2216 9 Don?t know 5005 Sysmiss 160 L10_2.11: L.10.2. Would you be comfortable to deposit and withdraw money at this 12621 160 1 Yes 6571 2 No 6050 Sysmiss 160 FACILITY.12: Facility 12621 160 12 12 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 12621 13 Other 0 L1A.12: L.1a. How long would it take you to get to your nearest?..by foot? 12620 161 1 15 minutes or less 214 2 More than 15 to 30 minutes 207 3 More than 30 minutes to an hour 405 4 More than an hour 1914 9 Don?t know 9880 Sysmiss 161 L1B.12: L.1b. How long would it take you to get to your nearest?..by bicycle? 12620 161 1 15 minutes or less 272 2 More than 15 to 30 minutes 412 3 More than 30 minutes to an hour 571 4 More than an hour 1491 9 Don?t know 9874 Sysmiss 161 L11C.12: L.1c. How long would it take you to get to your nearest?..by road? 12620 161 1 15 minutes or less 575 2 More than 15 to 30 minutes 518 3 More than 30 minutes to an hour 445 4 More than an hour 1290 9 Don?t know 9792 Sysmiss 161 L10_2.12: L.10.2. Would you be comfortable to deposit and withdraw money at this 12620 161 1 Yes 3338 2 No 9282 Sysmiss 161 FACILITY.13: Facility 12620 161 13 13 1 Filling station 0 2 Supermarket 0 3 School 0 4 Health Centre 0 5 Post Office 0 6 Bank branch or ATM 0 7 Microfinance institution 0 8 Building society 0 9 Insurance company 0 10 Mobile money agent 0 11 Bank agent 0 12 Capital Markets Operator (stockbroker, fund manager) 0 13 Other 12620 L1A.13: L.1a. How long would it take you to get to your nearest?..by foot? 12620 161 1 15 minutes or less 1019 2 More than 15 to 30 minutes 403 3 More than 30 minutes to an hour 452 4 More than an hour 1287 9 Don?t know 9459 Sysmiss 161 L1B.13: L.1b. How long would it take you to get to your nearest?..by bicycle? 12620 161 1 15 minutes or less 1227 2 More than 15 to 30 minutes 524 3 More than 30 minutes to an hour 471 4 More than an hour 979 9 Don?t know 9419 Sysmiss 161 L11C.13: L.1c. How long would it take you to get to your nearest?..by road? 12620 161 1 15 minutes or less 1625 2 More than 15 to 30 minutes 465 3 More than 30 minutes to an hour 333 4 More than an hour 811 9 Don?t know 9386 Sysmiss 161 L10_2.13: L.10.2. Would you be comfortable to deposit and withdraw money at this 12620 161 1 Yes 3464 2 No 9156 Sysmiss 161 12781 0 1 1702 2 5394 3 2504 4 1543 5 920 6 403 7 177 8 79 9 31 10 17 11 2 12 6 13 2 15 1 12781 0 37.072 1251.475 254.46 136.01 12781 0 33.26 7890.188 746.271 607.387 12668 113 1 1299 2 274 3 1421 4 414 5 4385 6 388 7 1827 8 88 9 17 10 22 11 44 12 996 13 1479 14 14 Sysmiss 113 Main sources of income 12668 113 1 Salaries / wages from a farm (farm worker) 1167 2 Salaries / wages from an individual/household e.g maid, gard 265 3 Salaries / wages from a private company / business other tha 1374 4 Salaries/wages from government/parastatal 423 5 Anything you produce/grow/raise/make/collect/buy with the in 4296 6 Money from providing a service ? i.e. such as transport, hai 391 7 Piece work/Casual labor/Occasional jobs 1951 8 Rental income 108 9 Interest from savings, investments, stocks, unit trusts etc. 21 10 Pension 25 11 Social welfare money/grant from Government 32 12 Rely on someone else/others to give/send me money 1025 13 Don?t get money ? someone else pays my expenses 1576 14 Other, specify 14 Sysmiss 113 12668 113 1 Salaried Adults 3184 2 Business owners 391 3 Traders 895 4 Casual /Piece workers 1951 5 Farmers 3446 6 Depends on family and friends 2601 7 Other 200 Sysmiss 113 12781 0 16 99 34.519 15.144 Age category 12781 0 1 16-25 yrs 4296 2 26-35 yrs 3640 3 36-45 yrs 2290 4 46-55 yrs 1127 5 56-65 yrs 768 6 66 or older 660 10046 2735 1 Daily 977 2 Weekly 927 3 More than once a month but not weekly 399 4 Monthly 2675 5 Every 2 months 230 6 Annually 990 7 Seasonally 1776 8 Occasionally - no particular schedule 1626 9 Upon completion of job 372 10 Other 74 Sysmiss 2735 Remittance 12781 0 1 Yes 3267 2 No 9514 27 12754 1 27 Sysmiss 12754 11 12770 1 11 Sysmiss 12770 12 12769 1 12 Sysmiss 12769 14 12767 1 14 Sysmiss 12767 12781 0 1 31 2 12750 12781 0 1 18 2 12763 12781 0 1 166 2 12615 12781 0 1 36 2 12745 12781 0 1 194 2 12587 12781 0 1 221 2 12560 12781 0 1 129 2 12652 12781 0 1 18 2 12763 12781 0 1 174 2 12607 12781 0 1 17 2 12764 12781 0 1 23 2 12758 12781 0 1 30 2 12751 12781 0 1 15 2 12766 12781 0 1 21 2 12760 12781 0 1 313 2 12468 12781 0 0 Included 8248 1 Excluded 4533 11946 835 0 No Formal Education 645 1 Grade 1-4 1763 2 Grade 5-7 3510 3 Grade 8-9 2630 4 Grade 10-12 (O-Level) 2518 5 Certificate/Diploma 702 6 Undergraduate 147 7 Degree (Postgraduate) and Above 31 Sysmiss 835 12781 0 1 PPI 1 3712 2 PPI 2 4998 3 PPI 3 2026 4 PPI 4 1814 5 PPI 5 231 12781 0 1 Yes 2200 2 No 10581 12781 0 1 Yes 252 2 No 12529 12781 0 1 Used mobile money 6650 2 Did not use mobile money 6131 12781 0 1 Yes 57 2 No 12724 12781 0 1 Yes 964 2 No 11817 12781 0 1 Yes 6977 2 No 5804 Chilimba 12781 0 1 Yes 868 2 No 11913 Savings Group 12781 0 1 Yes 708 2 No 12073 Village Banking 12781 0 1 Yes 270 2 No 12511 Any Informal Savings 12781 0 1 Yes 1618 2 No 11163 12781 0 0 11450 1 1331 12781 0 1 Yes 2285 2 No 10496 12781 0 0 12667 1 114 12781 0 1 Yes 192 2 No 12589 12781 0 1 Yes 4101 2 No 8680 12781 0 1 Yes 6750 2 No 6031 12781 0 1 Banked & Non Banked 1973 2 Banked Only 227 3 Non Bank Only 4777 4 Not Formally served 5804 2021 10760 0 44000 350.39 1467.986 10709 2072 0 120000 1183.818 3031.172 12773 8 5 5338.265 1143.916 994.742 Climate Change Experience 12700 81 1 Yes 8346 2 No 4354 Sysmiss 81 Climate Change Hardship 8346 4435 1 Yes 6475 2 No 1871 Sysmiss 4435 12781 0 1 Yes 2001 2 No 10780 12636 145 1 Yes 6598 2 No 6038 Sysmiss 145 Strategies to cope with unexpected expenses 12716 65 1 Savings 3613 2 Borrowed 1150 3 Rely on gifts, expenses cut back, etc 7953 Sysmiss 65 Personally own a mobile phone? 12781 0 1 Yes 7196 2 No 5585 Wash hands more 12516 265 1 Yes 11295 2 No 1221 Sysmiss 265 Use hand sanitizer more 12516 265 1 Yes 5378 2 No 7138 Sysmiss 265 Cover mouth when coughing or sneezing 12516 265 1 Yes 3850 2 No 8666 Sysmiss 265 Limit contact with people 12516 265 1 Yes 3739 2 No 8777 Sysmiss 265 Avoid big gatherings 12516 265 1 Yes 5928 2 No 6588 Sysmiss 265 Stay home more 12516 265 1 Yes 3947 2 No 8569 Sysmiss 265 Travel outside home less 12516 265 1 Yes 1047 2 No 11469 Sysmiss 265 Go to work less 12516 265 1 Yes 781 2 No 11735 Sysmiss 265 Wear face mask 12516 265 1 Yes 9724 2 No 2792 Sysmiss 265 Stock up on food 12516 265 1 Yes 396 2 No 12120 Sysmiss 265 Avoid unnecessary visits to health facilities (hospital, clinic, etc) 12516 265 1 Yes 1043 2 No 11473 Sysmiss 265 Avoid unnecessary contact with elderly 12516 265 1 Yes 380 2 No 12136 Sysmiss 265 Go to school less 12516 265 1 Yes 543 2 No 11973 Sysmiss 265 use digital financial services more 12516 265 1 Yes 102 2 No 12414 Sysmiss 265 Others (Specify) 12516 265 1 Yes 464 2 No 12052 Sysmiss 265 Lost my job 12516 265 1 Yes 520 2 No 11996 Sysmiss 265 Closed my business 12516 265 1 Yes 1273 2 No 11243 Sysmiss 265 Reduction in revenue 12516 265 1 Yes 2779 2 No 9737 Sysmiss 265 Can`t afford my living expenses 12516 265 1 Yes 2829 2 No 9687 Sysmiss 265 Canâ€™t go to church or other social gatherings 12516 265 1 Yes 4002 2 No 8514 Sysmiss 265 Can`t go to my farm/field for fear of catching virus 12516 265 1 Yes 494 2 No 12022 Sysmiss 265 Loss of family member 12516 265 1 Yes 131 2 No 12385 Sysmiss 265 Others (Specify) 12516 265 1 Yes 785 2 No 11731 Sysmiss 265 No effect 12516 265 1 Yes 4446 2 No 8070 Sysmiss 265 12781 0 0 6031 1 6750 12781 0 0 11643 1 1138 Motor vehicle insurance 313 12468 1 Yes 313 2 No 0 Sysmiss 12468 Travel insurance 31 12750 1 Yes 31 2 No 0 Sysmiss 12750 Domestic/household Insurance 18 12763 1 Yes 18 2 No 0 Sysmiss 12763 Funeral insurance 166 12615 1 Yes 166 2 No 0 Sysmiss 12615 All risks insurance 36 12745 1 Yes 36 2 No 0 Sysmiss 12745 Medical scheme 194 12587 1 Yes 194 2 No 0 Sysmiss 12587 Health insurance 221 12560 1 Yes 221 2 No 0 Sysmiss 12560 National Health Insurance Scheme 129 12652 1 Yes 129 2 No 0 Sysmiss 12652 Agricultural insurance 18 12763 1 Yes 18 2 No 0 Sysmiss 12763 Life assurance 174 12607 1 Yes 174 2 No 0 Sysmiss 12607 Personal injury/accident Insurance 17 12764 1 Yes 17 2 No 0 Sysmiss 12764 Property/house insurance 23 12758 1 Yes 23 2 No 0 Sysmiss 12758 Money insurance 30 12751 1 Yes 30 2 No 0 Sysmiss 12751 Insurance that covers a loan/Credit life insurance 15 12766 1 Yes 15 2 No 0 Sysmiss 12766 Any other insurance product not mentioned here 21 12760 1 Yes 21 2 No 0 Sysmiss 12760 12781 0 1 Yes 745 2 No 12036 Borrowed from Shylock 11231 1550 1 Yes 341 2 No 10890 Sysmiss 1550 12781 0 1 Yes 2618 2 No 10163 12668 113 1 Salaried_Formal 1720 2 Salaried_Informal 1464 3 Business owners 391 4 Traders 895 5 Casual /Piece workers 1951 6 Farmers 3446 7 Depends on family and friends 2601 8 Other 200 Sysmiss 113 Financially healthy 12781 0 1 Yes 1641 2 No 11140 RECODE of FinLit 12781 0 1 FinLiterate 2687 2 Not FinLiterate 10094 12781 0 1 Youth 7936 2 NotYouth 4845 12781 0 1 Yes 1691 2 No 11090 12781 0 1 Yes 11184 2 No 1597 12781 0 1 12781 12636 145 1 Save 6598 2 Do not save 6038 Sysmiss 145 Saved with formal FSP 12636 145 1 Formal Saving 3970 2 Informal Saving 8666 Sysmiss 145 Access to mobile phone 12781 0 1 Yes 9570 2 No 3211 Ability_to_raise_money_for_emergency 12781 0 1 2932 2 9849 Had/Used Pension/Insurance 12781 0 1 Yes 1219 2 No 11562 Borrowed from Family and Friends 11213 1568 1 Yes 2539 2 No 8674 Sysmiss 1568 AgeGroup 12781 0 1 16-24 3840 2 25-34 3735 3 35-44 2475 4 45-60 1753 5 61+ 978 Digital financial services 12781 0 1 Used mobile money 6737 2 Did not use mobile money 6044 Able to seek financial advice 12722 59 1 Yes 11001 2 No 1721 Sysmiss 59 382 12399 1 Yes 64 2 No 318 Sysmiss 12399 Financial access strands 12781 0 1 Formal only 4147 2 Informal only 1271 3 Formal and Informal 2830 4 Financially excluded 4533 12696 85 1 Used 1269 2 Did not use 11427 Sysmiss 85 12696 85 1 Used 293 2 Did not use 12403 Sysmiss 85 12696 85 1 Used 805 2 Did not use 11891 Sysmiss 85 12696 85 1 Used 5304 2 Did not use 7392 Sysmiss 85 12781 0 1 Used 5441 2 Did not use 7340 2194 10587 1 Used 1653 2 Did not use 541 Sysmiss 10587 2194 10587 1 Used 587 2 Did not use 1607 Sysmiss 10587 2194 10587 1 Used 140 2 Did not use 2054 Sysmiss 10587 2194 10587 1 Used 401 2 Did not use 1793 Sysmiss 10587 2194 10587 1 Used 1600 2 Did not use 594 Sysmiss 10587