rwa-nisr-fs-2012-v1 RWA-NISR-RFS-2016-v01

Ruben MUHAYITETO

National Institute of Statistics of Rwanda 2016-06-16 Nesstar Publisher V1 Rwanda FinScope Survey 2016 Financial Inclusion in Rwanda 2016 RFS 2016 RWA-NISR-RFS-2016-v01 Access to Finance Rwanda (AFR) National Bank of Rwanda National Institute of statistics of Rwanda Finmark Trust Centre for Social and Economic Studies Ministry of Finance and Economic Planning (c) 2016, Access to Finance Nesstar Publisher United Kingdom’s Department for International Development World Bank The Master Card Foundation Sweden KFW Data Portals Management Officer Socio-Economic/Monitoring Survey [hh/sems] Edited, anonymous dataset for public distribution. This is the first version of the data description FinScope FinScope Rwanda FinScope data are at the National level coverage Sample survey data [ssd] Access to Finance Rwanda TThe Finscope Rwanda 2016 sample was representative at the national level. This sample was drawn systematically using Probability Proportional to Size (PPS) sampling. The Individual respondents randomly selected from sampled households using the automated Kish grid. The sample was based on 780 villages enumeration area (villages) and 158 386 households were listed. During the data collection period,16 interviews per village were conducted. Face-to-face [f2f] The data was weighted and benchmarked to the 2013/14 Integrated Household Survey (EICV4). By downloading, data users agree to maintain the confidentiality of the data and data subjects. NISR Public use files, accessible to all fsr-2016-data.NSDstat This is an anonymized data file for FinScope 2016 12480 834 Nesstar 200801 Access t Finance Rwanda v01 12480 0 1 12480 6240.5 3602.81 Household weight 12480 0 42.937 400.543 204.759 35.096 Individual weight 12480 0 Province 12480 0 1 Kigali City 1248 2 Southern Province 3328 3 Western Province 2912 4 Northern Province 2080 5 Eastern Province 2912 District 12480 0 1 2080 2 2080 3 2080 4 1664 5 1664 6 1248 7 1248 8 416 Urban/Rural 12480 0 1 Urban 1792 2 Rural 10688 NHHS 12480 0 1 780 2 791 3 778 4 789 5 783 6 781 7 780 8 772 9 779 10 770 11 778 12 783 13 782 14 781 15 775 16 778 NHHR 12480 0 17 301 18 251 19 226 20 204 21 208 22 167 23 171 24 138 27 1 99 10813 NUMHH 12480 0 11001 57416 35650.87 13455.878 C1. Head of the household 12480 0 1 Respondent is the head of the household 6480 2 Respondent is not the head of the household 6000 C1a. Age of the head of the household 6000 6480 16 99 99 Don't know 50 C1b. Sex of the head of the household 6000 6480 1 Male 4927 2 Female 1073 Sysmiss 6480 C1c. Highest level of education of the head of the household 6000 6480 1 No formal education, 1587 2 Primary 1-3 782 3 Primary 4-6 2397 4 Secondary 1-3 420 5 Secondary 4-6 341 6 University or other higher education 165 7 Vocational training 61 8 Don?t know 247 Sysmiss 6480 C1d. Does the head of the household bring money into the household? 6001 6479 1 Yes 5436 2 No 565 Sysmiss 6479 c1e. Size of people depending on the household income 6001 6479 1 1 3 2 2 324 3 3 893 4 4 1151 5 5 1201 6 6 957 7 7 711 8 8 419 9 9 177 10 10 106 11 11 26 12 12 22 13 13 6 14 14 3 15 15 2 99 Don't know 0 Sysmiss 6479 C1f. Relationship to the head of the household 5993 6487 1 Spouse/partner 3708 2 Child 1717 3 Parent/parent in-law 329 4 Other relative 125 5 Tenant 29 6 Housekeeper 84 7 Other 1 Sysmiss 6487 C2. Age of the respondent 12480 0 16 99 39.305 16.25 C3. Sex of the respondent 12480 0 1 Male 5052 2 Female 7428 C4a. Highest level of education of the respondent 12480 0 1 No formal education 2979 2 Primary 1-3 1925 3 Primary 4-6 5022 4 Secondary 1-3 1202 5 Secondary 4-6 940 6 University or other higher education 243 7 Vocational training 142 8 Don't know 27 C4b. Marital status 12480 0 1 Never married 2627 2 Married 6394 3 Living together 1120 4 Divorced/Separated 651 5 Widowed 1688 C4c. Have any disability 12480 0 1 Yes 767 2 No 11713 C4d. Main type of disability do you have 793 11687 1 Seeing 61 2 Walking/Climbing 486 3 Other (specify) 246 Sysmiss 11687 C5a. Poverty indicators - During the past three months, you or your household had to skip a meal because you didn’t have food 12480 0 1 Many times 3622 2 A few times 4755 3 Never 4097 4 Refused 6 C5b. Poverty indicators - During the past three months, you or your household had to go without medical treatment/medicine because did not have money for treatment/medicine 12480 0 1 Many times, 2079 2 A few times, 4318 3 Never 6053 4 Don't know 30 C5c. Poverty indicators - During the past three months, you or your household not been able to send children to school because of lack of money for transport/uniform/other school costs 12480 0 1 Many times, 1400 2 A few times, 2232 3 Never 6855 4 Refused 31 5 Don't know 1962 C5d. Poverty indicators - During the past three months, you or your household had to go without cash income and had to make a plan for daily needs 12480 0 1 Many times, 6745 2 A few times, 4302 3 Never 1391 4 Refused 7 5 Don't know 35 C6a. Living density - Number of rooms in the household 12480 0 1 1 275 2 2 1646 3 3 3269 4 4 4772 5 5 1698 6 6 532 7 7 175 8 8 62 9 9 22 10 10 19 11 11 5 12 12 2 13 13 0 14 14 2 15 15 0 42 1 C6b. Living density - Number or sleeping rooms 12480 0 1 1 2623 2 2 6026 3 3 3131 4 4 540 5 5 121 6 6 22 7 7 5 8 8 3 9 9 0 10 10 1 11 11 0 12 12 2 13 13 1 14 14 0 15 15 0 21 1 23 1 30 1 32 1 33 1 C6c. Living density - Number of people sleeping in these rooms 12480 0 1 1 677 2 2 1278 3 3 2247 4 4 2437 5 5 2238 6 6 1637 7 7 1091 8 8 518 9 9 220 10 10 97 11 11 22 12 12 12 13 13 5 14 14 1 15 15 0 C7. Househod House ownership status 12480 0 1 You own this dwelling 6774 2 You own this dwelling together with someone else 2040 3 A member/other members of the household (not you) own this d 2110 4 You/your household rent this dwelling , 908 5 The dwelling is provided to you/your household rent free 637 6 Does not know 11 7 Other 0 C7a. Method of owning this household 8861 3619 1 Bought it 508 2 Built it 7373 3 Inherited it 227 4 Got it for free 734 5 Other means (Specify) 19 Sysmiss 3619 C7b. Where did the main source of money to finance thi household came from 7901 4579 1 Loan from a bank 180 2 Loan from a MFI or a non-umurenge SACCO 35 3 Loan from an umurenge SACCO 71 4 Borrowed from money lender 10 5 Borrowed from savings club, tontine, ikibina 370 6 Borrowed from employer 19 7 Borrowed from family/friends 125 8 Pension pay-out 17 9 Used my/our savings 6664 10 Inherited money 225 11 Other 185 Sysmiss 4579 C7c. Do you owe money on the dwelling? 7887 4593 1 Yes 322 2 No 7535 3 Don't Know 30 Sysmiss 4593 C7d. Do you have a title deed for the land/plot where your dwelling is 8828 3652 1 Yes 7396 2 No 1373 3 Don't Know 59 Sysmiss 3652 C7e. Do you own other dwellings? 8826 3654 1 Yes 992 2 No 7834 Sysmiss 3654 C8a. Dwelling statement - You will never move and will probably spend your whole life in this dwelling 8823 3657 1 True 6496 2 False 2230 3 N/A 97 Sysmiss 3657 C8b. Dwelling statement - Your dwelling is something to keep and never sell 8823 3657 1 True 7055 2 False 1691 3 N/A 77 Sysmiss 3657 C8c. Dwelling statement - You plan to sell this dwelling and buy a different one 8822 3658 1 True 931 2 False 7817 3 N/A 74 Sysmiss 3658 C8d. Dwelling statement - You plan to move out of this dwelling and move to another one 8822 3658 1 True 1325 2 False 7426 3 N/A 71 Sysmiss 3658 C8e. Dwelling statement - If you needed a large sum of money you would sell your dwelling 8822 3658 1 True 1756 2 False 6987 3 N/A 79 Sysmiss 3658 C8f. Dwelling statement - You would use your dwelling as security when borrowingmoney 8821 3659 1 True 2934 2 False 5778 3 N/A 109 Sysmiss 3659 C8g. Dwelling statement - You think of your dwelling as an investment that will increase in value over time 8820 3660 1 True 6480 2 False 2288 3 N/A 52 Sysmiss 3660 C8h. Dwelling statement - Your dwelling is an asset you can use to earn money e.g. by renting it out to someone else 8813 3667 1 True 483 2 False 8252 3 N/A 78 Sysmiss 3667 C8i. Dwelling statement - You have enlarged or plan to enlarge your dwelling 8819 3661 1 True 3994 2 False 4716 3 N/A 109 Sysmiss 3661 C8J.1. Source to fnance dwelling improvement - Loan from a financial institution 734 11746 1 Yes 734 Sysmiss 11746 C8J.2. Source to fnance dwelling improvement - Borrow from money lender 51 12429 2 Yes 51 Sysmiss 12429 C8J.3. Source to fnance dwelling improvement - Borrow from savings group, tontine 948 11532 3 Yes 948 Sysmiss 11532 C8J.4. Source to fnance dwelling improvement - Borrowed from employer 69 12411 4 Yes 69 Sysmiss 12411 C8J.5. Source to fnance dwelling improvement - Borrow from family or friends 244 12236 5 Yes 244 Sysmiss 12236 C8J.6. Source to fnance dwelling improvement - Pension pay-out 53 12427 6 Yes 53 Sysmiss 12427 C8J.7. Source to fnance dwelling improvement - Use my or our savings 2795 9685 7 Yes 2795 Sysmiss 9685 C9a.1. Main material used for the roof of the house 12479 1 1 Iron sheets 7567 2 Unburnt clay tiles 4805 3 Factory made clay tiles 95 4 Asbestos 1 5 Concrete cement 0 6 Polythene cover 5 7 Grass 3 8 Other (mention) 3 Sysmiss 1 C9a.2. Main materia used for the walls of the house 12478 2 1 Mud and trees 4388 2 Cement and trees 576 3 Unburnt Mud bricks 7045 4 Polythene cover 5 5 Cement bricks 99 6 Stones 23 7 Timber 102 8 Burnt mud bricks 240 9 Other (mention) 0 Sysmiss 2 C9a.3. Material used for the floor of the house 12476 4 1 Soil 9499 2 Cement/tiles 2805 3 Stones 47 4 Burnt mud bricks 121 5 Timber 3 6 Other (mention) 1 Sysmiss 4 C9b. Main source of drinking water for household members 12480 0 1 Piped Into Dwelling 85 2 Piped To Yard/Plot 1055 3 Public Tap/Standpipe 4035 4 Tube Well Or Borehole 301 5 Protected Well 540 6 Unprotected Well 403 7 Protected Spring 4145 8 Unprotected Spring, 1107 9 Rainwater 56 10 Tanker Truck 8 11 725 12 Other (specify) 20 C10a. Does the household have a toilet 12480 0 1 Own household toilet 10879 2 Share toilet with other households 1227 3 Don?t have toilet facilities at all 374 C10b. Main type of toilet in household 12123 357 1 Flush toilet 244 2 Pit Latrine with constructed floor slab 8830 3 Pit latrine without constructed floor slab 3038 4 Other (specify) 11 Sysmiss 357 C11a. Main source of energy the household uses for cooking 12480 0 1 Firewood 10823 2 Charcoal 1556 3 Gas 28 4 Biogaz 4 5 Solar power 1 6 Electricity 3 7 Oil/kerosene 2 8 Crop waste 55 9 Animal dung 1 10 Other (specify) 7 C11b. Main source of lighting in the huosehold 12480 0 1 Electricity from EUCL (former EWSA) 2780 2 Other electricity distributors 84 3 Bio Gas, 4 4 Generator, 3 5 Oil Lamp, 4822 6 Firewood, 769 7 Candle, 885 8 Lantern (Agatadowa), 1346 9 Solar panel, 365 10 Batteries + Bulb, 1097 11 Other (specify) 325 C12.01. Household asset - Hoe, Axe, Sickle/Machete 12480 0 1 Yes 11438 2 No 1042 C12.02. Household asset - Wheelbarrow 12480 0 1 Yes 371 2 No 12109 C12.03. Household asset - Plough/Ox Plough 12480 0 1 Yes 15 2 No 12465 C12.04. Household asset - Ox/donkey cart 12480 0 1 Yes 13 2 No 12467 C12.05. Household asset - Processing equipment (grinding mill/ oil press) 12480 0 1 Yes 38 2 No 12442 C12.06. Household asset - Radio 12480 0 1 Yes 6432 2 No 6048 C12.07. Household asset - Tape/CD player 12480 0 1 Yes 1306 2 No 11174 C12.08. Household asset - Television 12480 0 1 Yes 1305 2 No 11175 C12.09. Household asset - Bicycle 12480 0 1 Yes 1566 2 No 10914 C12.10. Household asset - Fishing boat / canoe 12480 0 1 Yes 20 2 No 12460 C12.11. Household asset - Fishing net 12480 0 1 Yes 49 2 No 12431 C12.12. Household asset - Lounge suit/Sofa 12480 0 1 Yes 4254 2 No 8226 C12.13. Household asset - Bed(s) 12480 0 1 Yes 8619 2 No 3861 C12.14. Household asset - Sewing machine 12480 0 1 Yes 243 2 No 12237 C12.15. Household asset - Wardrobe 12480 0 1 Yes 698 2 No 11782 C12.16. Household asset - Motorized Vehicle of any kind 12480 0 1 Yes 371 2 No 12109 C13a. Ubudehe category 12480 0 1 1st category 1916 2 2nd category 5555 3 3rd category 2927 4 4th category 65 5 Appelled 628 6 Don?t know 1389 C13b. Has the category your household is in changed in the past 2 years 10523 1957 1 Yes 1519 2 No 8805 3 Don't Know 199 Sysmiss 1957 C13c. In what category did your household fall before it changed 1593 10887 1 Category 1 376 2 Category 2 569 3 Category 3 581 4 Category 4 24 5 Category 5 2 6 Category 6 1 7 Don't Know 40 Sysmiss 10887 C13d. Has your household received a direct cash transfer from VUP in the past 12 months? 12480 0 1 Yes 615 2 No 11655 3 Don't Know 210 C14a.1. Have access to cellphone 12479 1 1 Yes, have access 10361 2 No, don?t have access 2118 Sysmiss 1 C14b.1. Cellphoe ownership 10393 2087 1 Own, 7201 2 Household doesn't own 3192 Sysmiss 2087 C14a.2. Do you have access to a Public phone/Landline 12480 0 1 Yes, have access 582 2 No, don?t have access 11898 C14b.2. Do you/does your household own Public phone/Landline? 649 11831 1 Own, 241 2 Household doesn't own 408 Sysmiss 11831 C14a.3. Do you have access to the Computer? 12480 0 1 Yes, have access 1312 2 No, don?t have access 11168 C14b.3. Do you/does your household own Computer? 1335 11145 1 Own, 358 2 Household doesn't own 977 Sysmiss 11145 C14a.4. Do you have access to internet? 12480 0 1 Yes, have access 1606 2 No, don?t have access 10874 C14b.4. Do you/does your household own internet? 1625 10855 1 Own, 766 2 Household doesn't own 859 Sysmiss 10855 D1b1. Time taken from home to nearest destination - Nearest market 12480 0 1 Less than 15 minutes 1285 2 Between 15 and 30 minutes 2497 3 Between 31 and 60 minutes 3082 4 More than 60 minutes 5546 5 Don?t know 70 D1c1. Main mode of transport do you use to get to your - Nearest Market 12480 0 1 Walk 11339 2 Bicycle 444 3 Moto 171 4 Vehicle 440 5 Boat 33 6 Don't need to - it's close 53 D1b2. Time taken from home to nearest destination - Cell office 12480 0 1 Less than 15 minutes 3391 2 Between 15 and 30 minutes 4683 3 Between 31 and 60 minutes 3258 4 More than 60 minutes 1107 5 Don?t know 41 D1c2. Main mode of transport do you use to get to your - Cell office 12480 0 1 Walk 12110 2 Bicycle 219 3 Moto 54 4 Vehicle 59 5 Boat 2 6 Don't need to - it is close 36 12480 0 1 Less than 500m 671 2 Between 500m and 1Km 1287 3 Between 1Km and 2Km 2006 4 Between 3Km and 5Km 4181 5 More than 5Km 3698 6 Don?t know 637 D1b3. Distance taken from home to nearest destination - Sector office 12480 0 1 Less than 15 minutes 1266 2 Between 15 and 30 minutes 2465 3 Between 31 and 60 minutes 3675 4 More than 60 minutes 4994 5 Don?t know 80 D1c3. Main mode of transport do you use to get to your - Sector office 12480 0 1 Walk 11570 2 Bicycle 365 3 Moto 199 4 Vehicle 282 5 Boat 1 6 Don't need to - it is close 63 D1b4. Time taken from home to nearest destination - nearest Primary/Secondary school 12480 0 1 Less than 15 minutes 3967 2 Between 15 and 30 minutes 5153 3 Between 31 and 60 minutes 2657 4 More than 60 minutes 624 5 Don?t know 79 D1c4. Main mode of transport do you use to get to your - nearest Primary/Secondary school 12480 0 1 Walk 12213 2 Bicycle 124 3 Moto 32 4 Vehicle 34 5 Boat 4 6 Don't need to - it is close 73 D1b5. Time taken from home to nearest destination - nearest Health care facility 12480 0 1 Less than 15 minutes 1965 2 Between 15 and 30 minutes 3547 3 Between 31 and 60 minutes 3963 4 More than 60 minutes 2973 5 Don?t know 32 D1c5. Main mode of transport do you use to get to your - nearest Health care facility 12480 0 1 Walk 11809 2 Bicycle 313 3 Moto 126 4 Vehicle 197 5 Boat 2 6 Don't need to - it is close 33 12480 0 1 Less than 500m 759 2 Between 500m and 1Km 1426 3 Between 1Km and 2Km 2052 4 Between 3Km and 5Km 4148 5 More than 5Km 3361 6 Don?t know 734 D1b7. Time taken from home to nearest destination - nearest Umurenge SACCO 12480 0 1 Less than 15 minutes 1426 2 Between 15 and 30 minutes 2715 3 Between 31 and 60 minutes 3708 4 More than 60 minutes 4431 5 Don?t know 200 D1c7. Main mode of transport do you use to get to your - nearest Umurenge SACCO 12480 0 1 Walk 11571 2 Bicycle 370 3 Moto 144 4 Vehicle 206 5 Boat 1 6 Don't need to - it is close 188 D1a8. Distance taken from home to nearest destination - Umurenge SACCO/MFI 12480 0 1 Less than 500m 323 2 Between 500m and 1Km 604 3 Between 1Km and 2Km 1148 4 Between 3Km and 5Km 2364 5 More than 5Km 4138 6 Don?t know 3903 D1b8. Time taken from home to nearest destination - Umurenge SACCO/MFI 12480 0 1 Less than 15 minutes 693 2 Between 15 and 30 minutes 1536 3 Between 31 and 60 minutes 2013 4 More than 60 minutes 4392 5 Don?t know 3846 D1c8. Main mode of transport do you use to get to your - Umurenge SACCO/MFI 12480 0 1 Walk 7574 2 Bicycle 280 3 Moto 201 4 Vehicle 666 5 Boat 16 6 Don't need to - it is close 3743 D1a10. Distance taken from home to nearest destination - Bank branch 12480 0 1 Less than 500m 433 2 Between 500m and 1Km 877 3 Between 1Km and 2Km 1374 4 Between 3Km and 5Km 3095 5 More than 5Km 5346 6 Don?t know 1355 D1b10. Time taken from home to nearest destination - Bank branch 12480 0 1 Less than 15 minutes 961 2 Between 15 and 30 minutes 1932 3 Between 31 and 60 minutes 2695 4 More than 60 minutes 6035 5 Don?t know 857 D1c10. Main mode of transport do you use to get to your- Bank branch 12480 0 1 Walk 10244 2 Bicycle 410 3 Moto 253 4 Vehicle 700 5 Boat 25 6 Don't need to - it is close 848 D1a11. Distance taken from home to nearest destination- nearest ATM 12480 0 1 Less than 500m 331 2 Between 500m and 1Km 636 3 Between 1Km and 2Km 1035 4 Between 3Km and 5Km 2205 5 More than 5Km 4285 6 Don?t know 3988 D1b11. Time taken from home to nearest destination - nearest ATM 12480 0 1 Less than 15 minutes 745 2 Between 15 and 30 minutes 1397 3 Between 31 and 60 minutes 1917 4 More than 60 minutes 4525 5 Don?t know 3896 D1c11. Main mode of transport do you use to get to your - nearest ATM 12480 0 1 Walk 7393 2 Bicycle 307 3 Moto 215 4 Vehicle 726 5 Boat 21 6 Don't need to - it is close 3818 D1a13. Distance taken from home to nearest destination - nearest Bank agent 12480 0 1 Less than 500m 426 2 Between 500m and 1Km 760 3 Between 1Km and 2Km 1128 4 Between 3Km and 5Km 2106 5 More than 5Km 3248 6 Don?t know 4812 D1b13. Time taken from home to nearest destination - nearest Bank agent 12480 0 1 Less than 15 minutes 872 2 Between 15 and 30 minutes 1411 3 Between 31 and 60 minutes 1921 4 More than 60 minutes 3528 5 Don?t know 4748 D1c13. Main mode of transport do you use to get to your - nearest Bank agent 12480 0 1 Walk 6959 2 Bicycle 264 3 Moto 148 4 Vehicle 431 5 Boat 18 6 Don't need to - it is close 4660 D1a14. Distance taken from home to nearest destination - nearest Mobile money agent 12480 0 1 Less than 500m 3024 2 Between 500m and 1Km 2564 3 Between 1Km and 2Km 2012 4 Between 3Km and 5Km 2481 5 More than 5Km 1303 6 Don?t know 1096 D1b14. Time taken from home to nearest destination - nearest Mobile money agent 12480 0 1 Less than 15 minutes 4512 2 Between 15 and 30 minutes 3381 3 Between 31 and 60 minutes 2485 4 More than 60 minutes 1561 5 Don?t know 541 D1c14. Main mode of transport do you use to get to your - nearest Mobile money agent 12480 0 1 Walk 11732 2 Bicycle 154 3 Moto 33 4 Vehicle 31 5 Boat 7 6 Don't need to - it is close 523 E1. Household's financial decision making 12480 0 1 You alone 3221 2 You and your spouse/partner 6573 3 You and other household/family members 1453 4 You are not involved in these decisions 1233 E2. Do you feel you need more information about any aspects of managing money 12480 0 1 Yes 10637 2 No 1843 E3.1. Financial education desired - How to budget 5507 6973 1 Yes 5507 Sysmiss 6973 E3.2. Financial education desired - How to save 5083 7397 2 Yes 5082 20 1 Sysmiss 7397 E3.3. Financial education desired - How to invest 4101 8379 3 Yes 4101 Sysmiss 8379 E3.4. Financial education desired - How to obtain a loan 2228 10252 4 Yes 2228 Sysmiss 10252 E3.5. Financial education desired - Which financial products are available to me 1251 11229 5 Yes 1251 Sysmiss 11229 E3.6. Financial education desired - How to choose financial products 567 11913 6 Yes 567 Sysmiss 11913 E3.7. Financial education desired - Advantages/disadvantages, terms and conditions of financial products 427 12053 7 Yes 427 Sysmiss 12053 E3.8. Financial education desired - How to use financial products 735 11745 8 Yes 735 Sysmiss 11745 E3.9. Financial education desired - Information about mobile payments 100 12380 9 Yes 100 Sysmiss 12380 E3.10. Financial education desired - Other 29 12451 10 Yes 29 Sysmiss 12451 E4.1. Targets for financial advice - Bank or other financial professional 1066 11414 1 Yes 1066 Sysmiss 11414 E4.2. Targets for financial advice - Someone at your workplace or your employer 299 12181 2 Yes 298 3 1 Sysmiss 12181 E4.3. Targets for financial advice - Your spouse/partner 4563 7917 3 Yes 4563 Sysmiss 7917 E4.4. Targets for financial advice - Someone else in your family or friend 3918 8562 4 Yes 3918 Sysmiss 8562 E4.5. Targets for financial advice - Radio/ Television 2855 9625 5 Yes 2855 Sysmiss 9625 E4.6. Targets for financial advice - Newspapers 113 12367 6 Yes 113 Sysmiss 12367 E4.7. Targets for financial advice - Internet/ Website of Financial institutions 72 12408 7 Yes 72 Sysmiss 12408 E4.8. Targets for financial advice - Government/local leaders sensitization 2308 10172 8 Yes 2308 Sysmiss 10172 E4.9. Targets for financial advice - Saving groups 2275 10205 9 Yes 2275 Sysmiss 10205 E4.10. Targets for financial advice - Church/religious institution 241 12239 10 Yes 241 Sysmiss 12239 E4.11. Targets for financial advice - Other 38 12442 11 Yes 38 Sysmiss 12442 E4.12. Targets for financial advice - Do not go anywhere to get advice 1546 10934 12 Yes 1546 Sysmiss 10934 E5. Most target for financial advice 10931 1549 1 Bank or other financial professional 597 2 Someone at your workplace or your employer 132 3 Your spouse/partner 3669 4 Someone else in your family or friend 2451 5 Radio/Television 1487 6 Newspapers 20 7 Internet/Website of Financial institutions 21 8 Government/local leaders sensitization 1081 9 Saving groups 1367 10 Church/religious institution 79 11 Other (specify) 26 12 Do not go anywhere to get advice 1 Sysmiss 1549 E6.1. Statement - You compare different options and then choose the best one that suits your needs 12480 0 1 Completely agree 6234 2 Agree 6004 3 Disagree 128 4 Completely disagree 15 5 Don't know 99 E6.2. Statement - You know what to do for recourse when not satisfied with a financial service or product 12480 0 1 Completely agree 2372 2 Agree 5004 3 Disagree 2342 4 Completely disagree 462 5 Don't know 2300 E6.3. Statement - You are confident enough to make a complaint against a bank or financial institution if you are not satisfied with the service or product offered 12480 0 1 Completely agree 3821 2 Agree 5787 3 Disagree 1256 4 Completely disagree 269 5 Don't know 1347 E6.4. Statement - You don’t mind being in debt as long as you have what you need/want 12480 0 1 Completely agree 686 2 Agree 1700 3 Disagree 6659 4 Completely disagree 3243 5 Don't know 192 E6.5. Statement - You understand the terms and conditions in the contract with a financial institution 12480 0 1 Completely agree 5660 2 Agree 6018 3 Disagree 137 4 Completely disagree 43 5 Don't know 622 E7.01. Transparency - Do you feel that the information on financial products or services bought recently was provided to you in a clear and easily understandable manner? 12480 0 1 Yes 6191 2 No 348 3 Don?t know/ have any financial products 5941 E7.02. Transparency - Have you ever taken a financial product/service and were later on surprised about the fees/charges associated to that product? 6189 6291 1 Yes 870 2 No 5306 3 Can't remember 13 Sysmiss 6291 E7.03. Transparency - Were you ever informed of changes to fees/charges of financial product/services? 6186 6294 1 Yes 3367 2 No 2753 3 Can't remember 66 Sysmiss 6294 E7.04. Transparency - Was the information provided to you in a language you understand? 3369 9111 1 Yes 3354 2 No 15 Sysmiss 9111 E7.05. Transparency - How was the information communicated to you 3355 9125 1 Verbally 2801 2 Written document 547 3 Other 7 Sysmiss 9125 E7.06. Transparency - What would you wish to have been informed on? 2774 9706 1 New fees/charges 822 2 When it would start 195 3 Give me options on payment 231 4 Fees and charges related to financial products 612 5 Terms and conditions of financial products 797 6 Other (specify) 117 Sysmiss 9706 E7.07. Transparency - What was the reason that the information was not understandable? 345 12135 1 Small font 17 2 Crucial elements of information were not disclosed in promin 158 3 Use of difficult language 63 4 Not provided in language I understand 11 5 I cannot read and the information was not explained to me o 31 6 Other (specify) 65 Sysmiss 12135 E7.08. Transparency - Do you trust financial services’ advertising? 12480 0 1 Yes 11264 2 No 1216 E7.09. Transparency - Do you budget for your money? 12480 0 1 Always 7366 2 Sometimes 4272 3 Never 842 E7.10. Transparency - Do you know how much money you spent personally in the last 7 days? 12480 0 1 Yes, exactly 4948 2 Yes, I have a rough idea 3548 3 No 3040 4 No expense 944 E7.11. Transparency - Do you keep track of money you get and spend? 12480 0 1 Always 5242 2 Sometimes 5219 3 Never 2019 E7.12. Transparency - How often do you have some money left after covering all your spending needs? 12480 0 1 Always 833 2 Sometimes 6220 3 Never 5427 E7.13.1. Transparency - What do you do with any money you have left over: Save/keep money for different reasons 6144 6336 1 Yes 6144 Sysmiss 6336 E7.13.2. Transparency - What do you do with any money you have left over: Invest money in business 484 11996 2 Yes 484 Sysmiss 11996 E7.13.3. Transparency - What do you do with any money you have left over: Invest money in assets 600 11880 3 Yes 600 Sysmiss 11880 E7.13.4. Transparency - What do you do with any money you have left over: Spend money on non-essentials (eg computer games, partying/going out, alcohol, cigarettes, hair) 256 12224 4 Yes 256 Sysmiss 12224 E7.13.5. Transparency - What do you do with any money you have left over: Lend it to others 111 12369 5 Yes 111 Sysmiss 12369 E7.13.6. Transparency - What do you do with any money you have left over: Repay debts 648 11832 6 Yes 648 Sysmiss 11832 E7.13.7. Transparency - What do you do with any money you have left over: Other 110 12370 7 Yes 110 Sysmiss 12370 E7.14. Transparency - Do you feel that financial institutions treat you fairly? 12480 0 1 Yes 6434 2 No 360 3 Do not know 1188 4 N/A/never used 4498 E7.15. Transparency - Have you ever been threatened, or treated in a violent, humiliating manner by a financial service provider? 12480 0 1 Yes 313 2 No 7086 3 N/A/never used 5081 E7.16. Transparency - Have you ever been taken advantage of or misguided by a financial service provider? 12480 0 1 Yes 329 2 No 7032 3 Never used 5119 E7.17. Transparency - Have you ever been sold a financial product by a financial institution or telecommunication company and later on noticed that it was not in your best interest to take it? 12480 0 1 Yes 169 2 No 7199 3 Never used 5112 4 NA 0 E7.18. Transparency - Have you ever been sold a loan without the financial service provider assessing your capability of paying back the loan? 12480 0 1 Yes 121 2 No 8466 3 Never used 3893 12480 0 1 Yes 8079 2 No 4401 E8.2.1. Coping Mechanism for - Illness in your household that required medical expenses 8076 4404 1 Used savings 2441 2 Borrowed money 1707 3 Sold an asset/something obtained for this purpose 555 4 Sold asset/something not obtained for this purpose 817 5 Cut down on expenses 290 6 Claimed insurance/policy pay-out 1389 7 Nothing 774 8 Other 103 Sysmiss 4404 12480 0 1 Yes 1139 2 No 11341 E8.2.2. Coping Mechanism for - Death of a household or family member resulting in unexpected costs for you/your household 1139 11341 1 Used savings 338 2 Borrowed money 296 3 Sold an asset/something obtained for this purpose 70 4 Sold asset/something not obtained for this purpose 136 5 Cut down on expenses 35 6 Claimed insurance/policy pay-out 33 7 Nothing 204 8 Other 27 Sysmiss 11341 12480 0 1 Yes 1324 2 No 11156 E8.2.3. Coping Mechanism for - Loss of the income of an income earner of the household 1321 11159 1 Used savings 194 2 Borrowed money 118 3 Sold an asset/something obtained for this purpose 27 4 Sold asset/something not obtained for this purpose 57 5 Cut down on expenses 454 6 Claimed insurance/policy pay-out 3 7 Nothing 455 8 Other 13 Sysmiss 11159 12480 0 1 Yes 1539 2 No 10941 E8.2.4. Coping Mechanism for - Unforeseen school expenses 1538 10942 1 Used savings 397 2 Borrowed money 499 3 Sold an asset/something obtained for this purpose 111 4 Sold asset/something not obtained for this purpose 144 5 Cut down on expenses 85 6 Claimed insurance/policy pay-out 6 7 Nothing 278 8 Other 18 Sysmiss 10942 12480 0 1 Yes 9545 2 No 2935 E8.2.5. Coping Mechanism for - Unexpected rise in the price of goods such as groceries etc. 9543 2937 1 Used savings 1113 2 Borrowed money 509 3 Sold an asset/something obtained for this purpose 158 4 Sold asset/something not obtained for this purpose 256 5 Cut down on expenses 5534 6 Claimed insurance/policy pay-out 34 7 Nothing 1901 8 Other 38 Sysmiss 2937 12480 0 1 Yes 7826 2 No 4654 E8.2.6. Coping Mechanism for - Harvest/crop failure/loss of livestock 7822 4658 1 Used savings 720 2 Borrowed money 469 3 Sold an asset/something obtained for this purpose 166 4 Sold asset/something not obtained for this purpose 251 5 Cut down on expenses 2703 6 Claimed insurance/policy pay-out 19 7 Nothing 3422 8 Other 72 Sysmiss 4658 12480 0 1 Yes 3663 2 No 8817 E8.2.7. Coping Mechanism for - Loss of income as a result of an unexpected drop in the price you get for produce/harvest/ products you sell 3662 8818 1 Used savings 399 2 Borrowed money 375 3 Sold an asset/something obtained for this purpose 91 4 Sold asset/something not obtained for this purpose 133 5 Cut down on expenses 1203 6 Claimed insurance/policy pay-out 5 7 Nothing 1440 8 Other 16 Sysmiss 8818 E8.3.1. You have people in the community that you can turn to for help if you need to 12480 0 1 Agree 8897 2 Disagree 3583 E8.3.2. You would rather turn to strangers than people in the community if you need financial help 12480 0 1 Agree 6011 2 Disagree 6469 12480 0 1 Agree 8997 2 Disagree 3483 E8.3.4. There is a strong tendency in your community where you live to form groups 12480 0 1 Agree 10939 2 Disagree 1541 E8.3.5. Being part of the community is important to you 12480 0 1 Agree 11821 2 Disagree 659 E8.4. Comunity - Who pays most of the funeral costs 12479 1 1 The community 963 2 The family members 1572 3 The household 7384 4 People have insurance/funeral funds 18 5 They belong to a savings group that will cover the costs 2257 6 Don?t know 284 7 Other, specify 1 Sysmiss 1 E8.5A. Coping strategies to have money for the things you want in your future 12480 0 1 Yes 6767 2 No 5713 E8.5B.1. Coping strategies - Bought an asset to sell later when I need the money 2292 10188 1 Yes 2292 Sysmiss 10188 E8.5B.2. Coping strategies - Bought/started a business to generate money 1109 11371 2 Yes 1109 Sysmiss 11371 E8.5B.3. Coping strategies - Invested in property to rent out 169 12311 3 Yes 169 Sysmiss 12311 E8.5B.4. Coping strategies - Saving/putting money aside 4316 8164 4 Yes 4316 Sysmiss 8164 E8.5B.5. Coping strategies - Other 360 12120 5 Yes 360 Sysmiss 12120 E8.6. Coping strategies for retirement/old age / when no longer working 12480 0 1 Savings 3100 2 Children 876 3 Land/property 1203 4 Own business 330 5 Rental income 29 6 Shares 32 7 Farming/agriculture/livestock 2401 8 Pension 79 9 Insurance policy 51 10 Don?t know/have no plans 4303 11 Other specify 76 E8.7A. Statements - You often have to spend more money than you have available 12479 1 1 Agree 5690 2 Disagree 6663 3 Don't know 126 Sysmiss 1 E8.7B. Statements - Your current financial situation makes you worry 12479 1 1 Agree 8478 2 Disagree 3941 3 Don't know 60 Sysmiss 1 E8.7C. Statements - You keep track of your income and expenditure 12479 1 1 Agree 10172 2 Disagree 2093 3 Don't know 214 Sysmiss 1 E8.8A. Main thing taken into account when selecting formal financial institution 12479 1 1 2240 2 Convenience of access in terms of distance or the time it ta 4161 3 Convenience of access, opening hours, no queues 73 4 Quick access to loans 1290 5 Simple processes for opening account (requirements and docum 415 6 High interest on savings 218 7 Low interest on loans 648 8 Good products & services they offer (suitable for my needs) 2675 9 Do not know 724 10 Other 35 Sysmiss 1 E8.8B. Main driver to become a member of a group such as a VSLA or a savings groups 12479 1 1 Knowing the members of the group 1587 2 Trusting the members of the group 4615 3 976 4 Regularity of meetings 126 5 How easy it is to save with them 2133 6 Whether they provide loans 1066 7 Low membership fee/Ease of becoming a member 858 8 High interest on savings 412 9 Low interest on loans 254 10 Whether community leaders are members/not 48 11 Do not know 388 12 Other, specify 16 Sysmiss 1 E8.9A. Which financial institution trusted most with your savings 12479 1 1 Bank; 3002 2 Umurenge SACCO 7384 3 Non-Umurenge SACCO or a MFI 310 4 Mobile Money 493 5 Savings group like a VSLA, tontine, ikibina, 1130 6 Do not know 160 Sysmiss 1 E8.9B. Which financial institution trusted most to borrow money from 12479 1 1 Bank; 2920 2 Non Umurenge SACCO or a MFI 7389 3 Umurenge SACCO 366 4 Mobile Money 112 5 Savings group like a VSLA, tontine, ikibina, 1443 6 Another person/Money lender in the community 40 7 Do not know 209 Sysmiss 1 E8.9C. Which financial institution or method trusted most to remit money 12479 1 1 Bank transfer/Payment into a bank account 912 2 Bus or Taxi 76 3 Western Union/ Money gram 69 4 Mobile money 10355 5 Friend/family 892 6 Do not know 175 Sysmiss 1 F1.1. How do you usually pay for food/groceries? 12479 1 1 By using your own cash 12007 2 By borrowing money and paying in cash 63 3 Pay through bank 24 4 By cheque 1 5 By debit card/ATM card 4 6 By credit card 0 7 Mobile phone payment/Mobile money services 3 8 Internet payment 1 9 By getting from the store/supplier and paying later with int 9 10 By getting from the store/supplier and paying later without 17 11 By exchanging goods 12 12 By providing services or doing piece work 72 13 You do not buy this because somebody buys it for you or the 212 14 52 15 Other 2 Sysmiss 1 F1.2. How do you usually pay for school feed? 12471 9 1 By using your own cash 6653 2 By borrowing money and paying in cash 158 3 Pay through bank 1147 4 By cheque 10 5 By debit card/ATM card 1 6 By credit card 0 7 Mobile phone payment/Mobile money services 34 8 Internet payment 1 9 By getting from the store/supplier and paying later with int 0 10 By getting from the store/supplier and paying later without 1 11 By exchanging goods 3 12 By providing services or doing piece work 39 13 You do not buy this because somebody buys it for you or the 437 14 3829 15 Other 158 Sysmiss 9 F1.3. How do you usually pay for large appliances? 12471 9 1 By using your own cash 10034 2 By borrowing money and paying in cash 214 3 Pay through bank 11 4 By cheque 3 5 By debit card/ATM card 1 6 By credit card 0 7 Mobile phone payment/Mobile money services 7 8 Internet payment 0 9 By getting from the store/supplier and paying later with int 0 10 By getting from the store/supplier and paying later without 0 11 By exchanging goods 3 12 By providing services or doing piece work 37 13 You do not buy this because somebody buys it for you or the 344 14 1783 15 Other 34 Sysmiss 9 F1.4.1. You would rather deal with people face to face than with machines such as ATMs even if the machines are quicker 12468 12 1 True 8922 2 Not true 2560 3 Do not know 986 Sysmiss 12 F1.4.1. You are prepared to learn how to use new technology 12465 15 1 True 10033 2 Not true 1978 3 Do not know 454 Sysmiss 15 F1.4.1. You prefer to pay for goods and services in cash rather than using electronic means 12457 23 1 True 10894 2 Not true 1403 3 Do not know 160 Sysmiss 23 F1.5.1. Buy by cash 12470 10 1 Never 232 2 Daily 7755 3 Weekly 3315 4 Monthly 817 5 Less often than monthly 351 Sysmiss 10 F1.5.2. Buy through Debit card 12466 14 1 Never 12334 2 Daily 22 3 Weekly 25 4 Monthly 40 5 Less often than monthly 45 Sysmiss 14 F1.5.3. Buy through Credit card 12461 19 1 Never 12410 2 Daily 26 3 Weekly 4 4 Monthly 1 5 Less often than monthly 20 Sysmiss 19 F1.5.4. Buy through Bank transfer 12455 25 1 Never 12344 2 Daily 22 3 Weekly 6 4 Monthly 14 5 Less often than monthly 69 Sysmiss 25 F1.5.5. Buy through Mobile money 12465 15 1 Never 11816 2 Daily 131 3 Weekly 82 4 Monthly 167 5 Less often than monthly 269 Sysmiss 15 F1.6. Do you have utility bills? 12470 10 1 Yes 1641 2 No 10829 Sysmiss 10 F1.7.1. Pay billsby cash 1642 10838 1 Never 257 2 Daily 292 3 Weekly 96 4 Monthly 800 5 Less often than monthly 197 Sysmiss 10838 F1.7.2. Pay bills through Debit card 1644 10836 1 Never 1596 2 Daily 9 3 Weekly 5 4 Monthly 16 5 Less often than monthly 18 Sysmiss 10836 F1.7.3. Pay bills through Credit card 1644 10836 1 Never 1631 2 Daily 7 3 Weekly 0 4 Monthly 0 5 Less often than monthly 6 Sysmiss 10836 F1.7.4. Pay bills through Bank transfer 1643 10837 1 Never 1585 2 Daily 6 3 Weekly 4 4 Monthly 27 5 Less often than monthly 21 Sysmiss 10837 F1.7.5. Pay bills through through Mobile money 1644 10836 1 Never 1327 2 Daily 25 3 Weekly 39 4 Monthly 186 5 Less often than monthly 67 Sysmiss 10836 F2.1.1. You would like to use a mobile phone to pay for goods and services 12474 6 1 Agree 10082 2 Disagree 1977 3 Don't know 415 Sysmiss 6 F2.1.2. You would like to use a mobile phone to put money away so you can use it later 12467 13 1 Agree 10794 2 Disagree 1410 3 Don't know 263 Sysmiss 13 F2.1.3. You would like to use a phone to pay utility bills such as water bill 12460 20 1 Agree 9559 2 Disagree 2407 3 Don't know 494 Sysmiss 20 F2.1.4. One can easily lose money if you send/receive using a mobile phone 12470 10 1 Agree 3182 2 Disagree 6963 3 Don't know 2325 Sysmiss 10 F2.1.5. If you save money on your phone and your phone is lost you cannot get back your money 12467 13 1 Agree 3989 2 Disagree 5918 3 Don't know 2560 Sysmiss 13 F2.2. Do you know about Mobile money 12472 8 1 Yes 5890 2 No 6582 Sysmiss 8 F2.3. Are you a registered mobile money user on any mobile network 5893 6587 1 Yes 3879 2 No 2014 Sysmiss 6587 F2.4. Currently using another person’s mobile money account 5893 6587 1 Yes 1165 2 No 4728 Sysmiss 6587 F2.5.1. Mobile money service provider - Tigo 2817 9663 1 Yes 2817 Sysmiss 9663 F2.6.1. How important is Tigo mobile account is to your finances? 2810 9670 1 Important 2791 2 Not important 19 Sysmiss 9670 F2.5.2. Mobile money service provider - Airtel 429 12051 2 Yes 429 Sysmiss 12051 F2.6.2. How important is Airtel mobile account is to your finances? 424 12056 1 Important 419 2 Not important 5 Sysmiss 12056 F2.5.3. Mobile money service provider - MTN 2696 9784 3 Yes 2696 Sysmiss 9784 F2.6.3. How important is MTN mobile account is to your finances? 2683 9797 1 Important 2667 2 Not important 16 Sysmiss 9797 F2.5.4. Mobile money service provider - Other 25 12455 4 Yes 25 Sysmiss 12455 F2.6.4. How important is 'Other' mobile account is to your finances? 42 12438 1 Important 32 2 Not important 10 Sysmiss 12438 F2.7. Reason for using more than one mobile money account 1388 11092 1 I deal with people of different networks 851 2 One account is more affected by network problems 178 3 The other network is cheaper on service charges 177 4 1 and 2 44 5 1 and 3 88 6 2 and 3 36 7 all 12 8 other(specify) 2 Sysmiss 11092 F.2.8. Where did you learn about mobile money 4428 8052 1 Radio 1883 2 TV 92 3 Billboard 19 4 Newspapers or magazines 9 5 Family members in this household 344 6 Family members in another household 179 7 Other relatives, friends, neighbors 593 8 Work mates or business partners 40 9 Customers of your business 7 10 Elected/administrative officials 28 11 Employees of a bank or MFI 9 12 Members of an informal financial group, including a village 12 13 Transactional mobile money agents 778 14 Field agents/promoters of mobile money 425 15 Other (specify) 10 Sysmiss 8052 F2.9.1. First month of using mobile money 4398 8082 1 January 82 2 February 109 3 March 100 4 April 130 5 May 130 6 June 149 7 July 204 8 August 173 9 September 154 10 October 213 11 November 126 12 December 93 99 Don't remeber 2735 Sysmiss 8082 F2.9.2. Year of using mobile money 4417 8063 1 2001 10 2 2002 5 3 2003 11 4 2004 9 5 2005 13 6 2006 12 7 2007 13 8 2008 77 9 2009 82 10 2010 275 11 2011 263 12 2012 537 13 2013 957 14 2014 882 15 2015 697 99 Don't remeber 574 Sysmiss 8063 F2.10. If not sure, what is approximate time of starting using mobile money 572 11908 1 Up to three months ago 5 2 Between three and six months ago 15 3 Between 6 months and a year ago 27 4 Over a year ago, but less than 2 years ago 53 5 2 years or more ago but less than 5 years ago 229 6 5 years ago or more 136 7 Don?t know/Can?t remember (DON?T READ) 107 Sysmiss 11908 F2.11. Main reason for using mobile money 4422 8058 1 I had to send money to another person 1037 2 I had to receive money from another person 1488 3 Somebody/a person requested I opened an account 349 4 I had to send money to an organization/government agency: e. 11 5 I had to receive money from an organization/government agenc 9 6 An organization/government agency requested I signed up for 2 7 An agent or sales person convinced me 237 8 I saw posters/billboards/radio/TV advertising that convinced 172 9 A person I know, who uses mobile money, recommended I use mo 138 10 I saw other people using it and wanted to try by myself 271 11 I wanted to start saving money with an m-money account 410 12 I wanted a safe place to store my money 197 13 I got a discount on airtime 7 14 I got a promotional amount of money to spend if I start usin 6 15 Most my friends/family members are already using it 72 16 Other, specify.............................................. 16 Sysmiss 8058 F2.12. Frequency of using mobile money 4415 8065 1 Daily 61 2 At least once a week 251 3 Not every week but several times a month 739 4 Less than once a month 2925 5 Other, specify 439 Sysmiss 8065 F2.13.01. Transactions conducted at the Mobile money Agent - Cash withdrawals 2647 9833 1 Yes 2647 Sysmiss 9833 F2.13.02. Transactions conducted at the Mobile money Agent - Cash deposits 2227 10253 2 Yes 2227 Sysmiss 10253 F2.13.03. Transactions conducted at the Mobile money Agent - Cash Transfer 3522 8958 3 Yes 3522 Sysmiss 8958 F2.13.04. Transactions conducted at the Mobile money Agent - School Fees Payment 83 12397 4 Yes 83 Sysmiss 12397 F2.13.05. Transactions conducted at the Mobile money Agent - Utility payments (Water, Power, TV) 490 11990 5 Yes 490 Sysmiss 11990 F2.13.06. Transactions conducted at the Mobile money Agent - Utility payments (Water, Power, TV) 2458 10022 6 Yes 2458 Sysmiss 10022 F2.13.07. Transactions conducted at the Mobile money Agent - Purchase of air time 1478 11002 7 Yes 1478 Sysmiss 11002 F2.13.08. Transactions conducted at the Mobile money Agent - Saving money 384 12096 8 Yes 384 Sysmiss 12096 F2.13.09. Transactions conducted at the Mobile money Agent - Mobile Banking 171 12309 9 Yes 171 Sysmiss 12309 F2.13.10. Transactions conducted at the Mobile money Agent - Payment for goods and services 103 12377 10 Yes 103 Sysmiss 12377 F2.13.11. Transactions conducted at the Mobile money Agent - Receive payment for goods and services 33 12447 11 Yes 33 Sysmiss 12447 F2.13.12. Transactions conducted at the Mobile money Agent - Receiving wages/salaries 29 12451 12 Yes 29 Sysmiss 12451 F2.13.13. Transactions conducted at the Mobile money Agent - Pay wages and salaries 6 12474 13 Yes 6 Sysmiss 12474 F2.13.14. Transactions conducted at the Mobile money Agent - Insurance 327 12153 14 Yes 327 Sysmiss 12153 F2.13.15. Transactions conducted at the Mobile money Agent - Borrowing money 262 12218 15 Yes 262 Sysmiss 12218 F2.13.16. Transactions conducted at the Mobile money Agent - Others 23 12457 16 Yes 23 Sysmiss 12457 F2.14.01. Transactions happy to conducted at the Mobile money Agent in future - Cash withdrawals 1782 10698 1 Yes 1607 99 No 175 Sysmiss 10698 F2.14.02. Transactions happy to conducted at the Mobile money Agent in future - Cash deposits 2198 10282 2 Yes 1945 99 253 Sysmiss 10282 F2.14.03. Transactions happy to conducted at the Mobile money Agent in future - Cash Transfer 904 11576 3 Yes 837 99 67 Sysmiss 11576 F2.14.04. Transactions happy to conducted at the Mobile money Agent in future - School Fees Payment 4335 8145 4 Yes 3275 99 1060 Sysmiss 8145 F2.14.05. Transactions happy to conducted at the Mobile money Agent in future - Utility payments (Water, Power, TV) 3923 8557 5 Yes 2968 99 955 Sysmiss 8557 F2.14.06. Transactions happy to conducted at the Mobile money Agent in future - Purchase of air time 1965 10515 6 Yes 1859 99 106 Sysmiss 10515 F2.14.07. Transactions happy to conducted at the Mobile money Agent in future - Saving money 2947 9533 7 Yes 2571 99 376 Sysmiss 9533 F2.14.08. Transactions happy to conducted at the Mobile money Agent in future - Mobile Banking 4036 8444 8 Yes 2904 99 1132 Sysmiss 8444 F2.14.09. Transactions happy to conducted at the Mobile money Agent in future - Payment for goods and services 4250 8230 9 Yes 3452 99 798 Sysmiss 8230 F2.14.10. Transactions happy to conducted at the Mobile money Agent in future - Receive payment for goods and services 4302 8178 10 Yes 3475 99 827 Sysmiss 8178 F2.14.11. Transactions happy to conducted at the Mobile money Agent in future - Receiving wages/salaries 4385 8095 11 Yes 2896 99 1489 Sysmiss 8095 F2.14.12. Transactions happy to conducted at the Mobile money Agent in future - Pay wages and salaries 4390 8090 12 Yes 2738 99 1652 Sysmiss 8090 F2.14.13. Transactions happy to conducted at the Mobile money Agent in future - Insurance 4404 8076 13 Yes 3146 99 1258 Sysmiss 8076 F2.14.14. Transactions happy to conducted at the Mobile money Agent in future - Borrowing money 4085 8395 14 Yes 3138 99 947 Sysmiss 8395 F2.14.16. Transactions happy to conducted at the Mobile money Agent in future - Others 4391 8089 1 I do not know what it is 0 2 I do not know how to get it 0 3 I do not have the required documents 0 4 There is no point-of-service/agent close to where I live 0 5 I do not need it, I do not make any transactions 0 6 Registration is too complicated 0 7 Registration fee is too high 0 8 Using it is difficult 0 9 Fees for using this service are too high 0 10 No one among my friends or family use this service 0 11 I do not understand this service; I do not know what I can u 0 12 I do not have a smartphone 0 13 I do not trust that my money is safe on a mobile money accou 0 14 My spouse, family, in-laws do not approve of me having a mob 0 15 It is against my religion 0 16 I don?t use it because all agents are men 527 17 Mobile money does not provide anything better/any advantage 0 18 Other, specify 0 99 3864 Sysmiss 8089 F2.15. Main reason for ot using mobile money 6563 5917 1 2168 2 862 3 96 4 67 5 642 6 43 7 31 8 359 9 92 10 91 11 360 12 1576 13 40 14 3 15 2 16 2 17 47 18 82 Sysmiss 5917 G1. Savings - Different ways of describing what it means to save. 12479 1 1 Putting money in a special place/account to keep it safe 636 2 1485 3 Putting money away so that the total amount increases over t 2604 4 Putting money aside for you to use later for a specific purp 2868 5 Buying an asset that can be sold later 4886 Sysmiss 1 G2a. Savings statements - You go without certain things to be able to save 12479 1 1 True 11047 2 False 1432 Sysmiss 1 G2b. Savings statements - You believe you have to save for difficult times - even if your income is low 12479 1 1 True 12145 2 False 334 Sysmiss 1 G2c. Savings statements - You believe it is better to save where your money is safe than to take risks to make more 12479 1 1 True 12440 2 False 39 Sysmiss 1 G2d. Savings statements - You save or put money away for a specific purpose and you do not use it for any other purpose 12479 1 1 True 8744 2 False 3735 Sysmiss 1 G2e. Savings statements - You save or put money away for a specific purpose but you end up using it before you used it for that purpose 12479 1 1 True 8746 2 False 3733 Sysmiss 1 G3.1_a: Saving at a bank 12479 1 0 No 11118 1 Yes 1361 Sysmiss 1 G3.1_b1. Savings at a bank - Where bank products held 1366 11114 1 AB BANK 18 2 AGASEKE BANK 13 3 BACAR - FINABANK - GT BANK 10 4 BANCOR - ACCESS BANK 3 5 BANK OF KIGALI (BK) 226 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 701 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 6 8 BCDI - ECOBANK 11 9 BCR - I&M BANK 5 10 COGEBANQUE Limited 16 11 CRANE BANK 1 12 EQUITY BANK 105 13 KENYA COMMERCIAL BANK (KCB) 23 14 UNGUKA BANK Ltd 32 15 URWEGO OPPORTUNITY BANK (UOB) 127 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 56 99 99 13 Sysmiss 11114 G3.1_b2. Savings at a bank - Where bank products held 1334 11146 1 AB BANK 1 2 AGASEKE BANK 1 3 BACAR - FINABANK - GT BANK 2 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 28 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 59 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 1 8 BCDI - ECOBANK 5 9 BCR - I&M BANK 5 10 COGEBANQUE Limited 9 11 CRANE BANK 0 12 EQUITY BANK 37 13 KENYA COMMERCIAL BANK (KCB) 10 14 UNGUKA BANK Ltd 8 15 URWEGO OPPORTUNITY BANK (UOB) 19 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 10 99 99 1139 Sysmiss 11146 G3.1_c. Savings at a bank - Reasons for saving with this institution 1346 11134 1 Convenient 260 2 Easy/Simple to use 156 3 Safe 481 4 Good interest 365 5 Quick access to savings 76 6 Other(Specify) 8 Sysmiss 11134 G3.1_d. Savings at a bank - Does this means of savings meet your needs 1346 11134 1 Yes 1296 2 No 50 Sysmiss 11134 G3.1_e. Savings at a bank - Reasons for unmet needs 50 12430 1 Can?t get to my savings when I need it 16 2 Too far to access conveniently/affordably 8 3 Interest not high 15 4 Other 11 Sysmiss 12430 G3.1_f. Savings at a bank - Savings products usage 1345 11135 1 Within past month 654 2 Within past 3 months 228 3 Within 6 months 119 4 More than 6 months ago 344 Sysmiss 11135 G3.2_a. Savings at a MFI or a non-umurenge SACCO 12479 1 0 No 11983 1 Yes 496 Sysmiss 1 G3.2_b1. MFI - Where products held 510 11970 1 99 1 ABADAHIGWA 3 2 AKAGEGA 1 3 AMASEZERANO 3 4 BHR 0 5 BLUE FINANCIAL 1 6 CAF 13 7 CAPEC 5 8 CEA 1 9 CLECAM 70 10 CMF 2 11 CODEMARU 3 12 COMICOKA 0 13 COOJAD 3 14 COOPEC 25 15 COOPEDU 54 16 COPECYA 1 17 CPF 8 18 CSTCR CYOHOHA RUKERI 0 19 CT 2 20 DUKORERE U RWANDA 0 21 DUTERIMBERE SA 42 22 EBENEZER 0 23 GOSHEN 14 24 IKIGEGA 1 25 INGASHYA 2 26 INKINGI 7 27 INKUNGA 5 28 INZIRA 0 29 ISHEMA 2 30 ITI 2 31 KOZIBI 3 32 LEDECO 2 33 RIM 58 34 RML 1 35 SACCOs Z'URUGANDA RW'ICYAYI 21 36 SMFG 1 37 SWOFT 2 38 TRASO CSPKI 1 39 UBAKA 3 40 UMUTANGUHA 37 41 UMWALIMU SACCO 83 42 Vision Finance Company (VFC) 16 99 99 12 G3.2_b2. MFI - Where products held 487 11993 1 ABADAHIGWA 0 2 AKAGEGA 0 3 AMASEZERANO 1 4 BHR 0 5 BLUE FINANCIAL 0 6 CAF 0 7 CAPEC 0 8 CEA 0 9 CLECAM 0 10 CMF 0 11 CODEMARU 0 12 COMICOKA 0 13 COOJAD 0 14 COOPEC 2 15 COOPEDU 0 16 COPECYA 0 17 CPF 1 18 CSTCR CYOHOHA RUKERI 0 19 CT 0 20 DUKORERE U RWANDA 0 21 DUTERIMBERE SA 2 22 EBENEZER 0 23 GOSHEN 1 24 IKIGEGA 1 25 INGASHYA 2 26 INKINGI 1 27 INKUNGA 0 28 INZIRA 0 29 ISHEMA 0 30 ITI 0 31 KOZIBI 0 32 LEDECO 0 33 RIM 5 34 RML 0 35 SACCOs Z'URUGANDA RW'ICYAYI 2 36 SMFG 0 37 SWOFT 0 38 TRASO CSPKI 0 39 UBAKA 0 40 UMUTANGUHA 0 41 UMWALIMU SACCO 1 42 Vision Finance Company (VFC) 2 99 99 466 Sysmiss 11993 G3.2_c. MFI - Reasons for saving with this institution 488 11992 1 Convenient 96 2 Easy/Simple to use 81 3 Safe 98 4 Good interest 158 5 Quick access to savings 49 6 Other(Specify) 6 Sysmiss 11992 G3.2_d. MFI - Does this means of savings meet your needs 488 11992 1 Yes 469 2 No 19 Sysmiss 11992 G3.2_e. MFI - Reasons for unmet needs 19 12461 1 Can?t get to my savings when I need it 7 2 Too far to access conveniently/affordably 4 3 Interest not high 3 4 Other 5 Sysmiss 12461 463 12017 1 Within past month 215 2 Within past 3 months 81 3 Within 6 months 42 4 More than 6 months ago 125 Sysmiss 12017 G3.3_a. Saving through Mobile money 12479 1 0 No 10556 1 Yes 1923 Sysmiss 1 G3.3_c. Mobile money - Reasons for saving with this institution 1921 10559 1 Convenient 479 2 Easy/Simple to use 780 3 Safe 176 4 Good interest 307 5 Quick access to savings 176 6 Other(Specify) 3 Sysmiss 10559 G3.3_d. Mobile money - Does this means of savings meet your needs 1922 10558 1 Yes 1894 2 No 28 Sysmiss 10558 G3.3_e. Mobile money - Reasons for unmet needs 28 12452 1 Can?t get to my savings when I need it 9 2 Too far to access conveniently/affordably 1 3 Interest not high 12 4 Other 6 Sysmiss 12452 1734 10746 1 Within past month 988 2 Within past 3 months 349 3 Within 6 months 126 4 More than 6 months ago 271 Sysmiss 10746 G3.4_a. Education insurance 12479 1 0 No 12391 1 Yes 88 Sysmiss 1 G3.4_c. Education insurance - Reasons for saving with this institution 88 12392 1 Convenient 8 2 Easy/Simple to use 4 3 Safe 8 4 Good interest 65 5 Quick access to savings 1 6 Other(Specify) 2 Sysmiss 12392 G3.4_d. Education insurance - Does this means of savings meet your needs 88 12392 1 Yes 86 2 No 2 Sysmiss 12392 G3.4_e. Education insurance - Reasons for unmet needs 2 12478 1 Can?t get to my savings when I need it 1 2 Too far to access conveniently/affordably 0 3 Interest not high 1 4 Other 0 Sysmiss 12478 82 12398 1 Within past month 40 2 Within past 3 months 15 3 Within 6 months 3 4 More than 6 months ago 24 Sysmiss 12398 G3.5_a. Private pension 12479 1 0 No 12364 1 Yes 115 Sysmiss 1 G3.5_c. Private pension - Reasons for saving with this institution 114 12366 1 Convenient 9 2 Easy/Simple to use 10 3 Safe 10 4 Good interest 79 5 Quick access to savings 3 6 Other(Specify) 3 Sysmiss 12366 G3.5_d. Private pension - Does this means of savings meet your needs 114 12366 1 Yes 114 2 No 0 Sysmiss 12366 G3.5_e. Private pension - Reasons for unmet needs 0 12480 1 Can?t get to my savings when I need it 0 2 Too far to access conveniently/affordably 0 3 Interest not high 0 4 Other 0 Sysmiss 12480 113 12367 1 Within past month 65 2 Within past 3 months 18 3 Within 6 months 11 4 More than 6 months ago 19 Sysmiss 12367 G3.6_a. Saving at SACCO 12479 1 0 No 9253 1 Yes 3226 Sysmiss 1 G3.6_c. SACCO - Reasons for saving with this institution 3225 9255 1 Convenient 845 2 Easy/Simple to use 509 3 Safe 777 4 Good interest 877 5 Quick access to savings 201 6 Other(Specify) 16 Sysmiss 9255 G3.6_d. SACCO - Does this means of savings meet your needs 3226 9254 1 Yes 3188 2 No 38 Sysmiss 9254 G3.6_e. SACCO - Reasons for unmet needs 38 12442 1 Can?t get to my savings when I need it 16 2 Too far to access conveniently/affordably 4 3 Interest not high 11 4 Other 7 Sysmiss 12442 3222 9258 1 Within past month 1035 2 Within past 3 months 745 3 Within 6 months 456 4 More than 6 months ago 986 Sysmiss 9258 G3.7_a. Saving at capital/stock market 12479 1 0 No 12464 1 Yes 15 Sysmiss 1 G3.7_c. Capital/stock market - Reasons for saving with this institution 15 12465 1 Convenient 0 2 Easy/Simple to use 2 3 Safe 2 4 Good interest 11 5 Quick access to savings 0 6 Other(Specify) 0 Sysmiss 12465 G3.7_d. Capital/stock market - Does this means of savings meet your needs 15 12465 1 Yes 15 2 No 0 Sysmiss 12465 G3.7_e. Capital/stock market - Reasons for unmet needs 0 12480 1 Can?t get to my savings when I need it 0 2 Too far to access conveniently/affordably 0 3 Interest not high 0 4 Other 0 Sysmiss 12480 15 12465 1 Within past month 4 2 Within past 3 months 5 3 Within 6 months 1 4 More than 6 months ago 5 Sysmiss 12465 G3.8_a. Pension fund/provident fund 12479 1 0 No 12259 1 Yes 220 Sysmiss 1 G3.8_c. Pension fund/provident fund - Reasons for saving with this institution 220 12260 1 Convenient 11 2 Easy/Simple to use 13 3 Safe 21 4 Good interest 155 5 Quick access to savings 14 6 Other(Specify) 6 Sysmiss 12260 G3.8_d. Pension fund/provident fund - Does this means of savings meet your needs 220 12260 1 Yes 214 2 No 6 Sysmiss 12260 G3.8_e. Pension fund/provident fund - Reasons for unmet needs 6 12474 1 Can?t get to my savings when I need it 5 2 Too far to access conveniently/affordably 0 3 Interest not high 1 4 Other 0 Sysmiss 12474 220 12260 1 Within past month 173 2 Within past 3 months 14 3 Within 6 months 5 4 More than 6 months ago 28 Sysmiss 12260 G3.9_a. Saving with a saving group 12479 1 0 No 5816 1 Yes 6663 Sysmiss 1 G3.9_c. Savings group - Reasons for saving with this institution 6659 5821 1 Convenient 890 2 Easy/Simple to use 1142 3 Safe 443 4 Good interest 3499 5 Quick access to savings 680 6 Other(Specify) 5 Sysmiss 5821 G3.9_d. Savings group - Does this means of savings meet your needs 6660 5820 1 Yes 6594 2 No 66 Sysmiss 5820 G3.9_e. Savings group - Reasons for unmet needs 66 12414 1 Can?t get to my savings when I need it 33 2 Too far to access conveniently/affordably 3 3 Interest not high 20 4 Other 10 Sysmiss 12414 6656 5824 1 Within past month 6020 2 Within past 3 months 266 3 Within 6 months 108 4 More than 6 months ago 262 Sysmiss 5824 G3.10_a. Save with someone in the community 12479 1 0 No 12144 1 Yes 335 Sysmiss 1 G3.10_c. Someone in the community - Reasons for saving with this institution 335 12145 1 Convenient 60 2 Easy/Simple to use 53 3 Safe 175 4 Good interest 30 5 Quick access to savings 17 6 Other(Specify) 0 Sysmiss 12145 G3.10_d. Someone in the community - Does this means of savings meet your needs 335 12145 1 Yes 319 2 No 16 Sysmiss 12145 G3.10_e. Someone in the community - Reasons for unmet needs 16 12464 1 Can?t get to my savings when I need it 12 2 Too far to access conveniently/affordably 2 3 Interest not high 1 4 Other 1 Sysmiss 12464 335 12145 1 Within past month 119 2 Within past 3 months 73 3 Within 6 months 49 4 More than 6 months ago 94 Sysmiss 12145 G3.11_a. Save with someone in the household 12479 1 0 No 10603 1 Yes 1876 Sysmiss 1 G3.11_c. Someone in household - Reasons for saving with this institution 1875 10605 1 Convenient 222 2 Easy/Simple to use 372 3 Safe 1090 4 Good interest 99 5 Quick access to savings 90 6 Other(Specify) 2 Sysmiss 10605 G3.11_d. Someone in household - Does this means of savings meet your needs 1875 10605 1 Yes 1837 2 No 38 Sysmiss 10605 G3.11_e. Someone in household - Reasons for unmet needs 39 12441 1 Can?t get to my savings when I need it 26 2 Too far to access conveniently/affordably 2 3 Interest not high 1 4 Other 10 Sysmiss 12441 1876 10604 1 Within past month 966 2 Within past 3 months 456 3 Within 6 months 193 4 More than 6 months ago 261 Sysmiss 10604 G3.12_a. Buy things to sell late as saving 12479 1 0 No 7646 1 Yes 4833 Sysmiss 1 G3.12_c. Buy things to sell late as saving - Reasons for saving with this institution 4832 7648 1 Convenient 139 2 Easy/Simple to use 367 3 Safe 135 4 Good interest 4100 5 Quick access to savings 91 6 Other(Specify) 0 Sysmiss 7648 G3.12_d. Buy things to sell late as saving - Does this means of savings meet your needs 4832 7648 1 Yes 4805 2 No 27 Sysmiss 7648 G3.12_e. Buy things to sell late as saving - Reasons for unmet needs 27 12453 1 Can?t get to my savings when I need it 12 2 Too far to access conveniently/affordably 1 3 Interest not high 7 4 Other 7 Sysmiss 12453 4827 7653 1 Within past month 958 2 Within past 3 months 1285 3 Within 6 months 1072 4 More than 6 months ago 1512 Sysmiss 7653 G3.13_a. Save at Home 12479 1 0 No 9228 1 Yes 3251 Sysmiss 1 G3.13_c. Home - Reasons for saving with this institution 3249 9231 1 Convenient 869 2 Easy/Simple to use 1069 3 Safe 537 4 Good interest 287 5 Quick access to savings 481 6 Other(Specify) 6 Sysmiss 9231 G3.13_d. Home - Does this means of savings meet your needs 3250 9230 1 Yes 3126 2 No 124 Sysmiss 9230 G3.13_e. Home - Reasons for unmet needs 123 12357 1 Can?t get to my savings when I need it 42 2 Too far to access conveniently/affordably 5 3 Interest not high 20 4 Other 56 Sysmiss 12357 3248 9232 1 Within past month 2264 2 Within past 3 months 549 3 Within 6 months 158 4 More than 6 months ago 277 Sysmiss 9232 G3.14_a Save with - Other 12479 1 0 No 12441 1 Yes 38 Sysmiss 1 G3.14_c. Other - Reasons for saving with this institution 38 12442 1 Convenient 5 2 Easy/Simple to use 6 3 Safe 6 4 Good interest 18 5 Quick access to savings 3 6 Other(Specify) 0 Sysmiss 12442 G3.14_d. Other - Does this means of savings meet your needs 38 12442 1 Yes 38 2 No 0 Sysmiss 12442 G3.14_e. Other - Reasons for unmet needs 0 12480 1 Can?t get to my savings when I need it 0 2 Too far to access conveniently/affordably 0 3 Interest not high 0 4 Other 0 Sysmiss 12480 38 12442 1 Within past month 7 2 Within past 3 months 11 3 Within 6 months 3 4 More than 6 months ago 17 Sysmiss 12442 G4. Main reasons for saving 10793 1687 1 Living expenses for when times are hard 7750 2 Medical expenses either planned or emergency 466 3 An emergency other than medical 574 4 Marriage / wedding expenses 32 5 Funeral expenses 16 6 Education or school fees 378 7 Farming expenses (inputs) 132 8 Buying livestock 580 9 Buying equipment/appliances 10 10 Providing something for my family after I die 351 11 Building/Buying a house/land 243 12 127 13 Improving my dwelling 93 14 Other, specify 41 Sysmiss 1687 G5.1. Reason for Not saving - Never thought about it 165 12315 1 Yes 165 Sysmiss 12315 G5.2. Reason for Not saving - Prefer to spend money on other things I need more 60 12420 2 Yes 60 Sysmiss 12420 G5.3. Reason for Not saving - Prefer to invest in other things e.g. property, livestock 11 12469 3 Yes 11 Sysmiss 12469 G5.4. Reason for Not saving - My children will look after me so I don’t need it 11 12469 4 Yes 11 Sysmiss 12469 G5.5. Reason for Not saving - Save in other ways e.g. keep cash at home 18 12462 5 Yes 18 Sysmiss 12462 G5.6. Reason for Not saving - Won’t be able to access my money if I need it 23 12457 6 Yes 23 Sysmiss 12457 G5.7. Reason for Not saving - Do not want to save 18 12462 7 Yes 18 Sysmiss 12462 G5.8. Reason for Not saving - Do not need to save 11 12469 8 Yes 11 Sysmiss 12469 G5.9. Reason for Not saving - Don’t know about investment and savings 40 12440 9 Yes 40 Sysmiss 12440 G5.10. Reason for Not saving - Do not have money to save or invest 1145 11335 10 Yes 1145 Sysmiss 11335 G5.11. Reason for Not saving - Do not have a bank account 128 12352 11 Yes 128 Sysmiss 12352 G5.12. Reason for Not saving - It is too expensive 114 12366 12 Yes 114 Sysmiss 12366 G5.13. Reason for Not saving - Do not have a job 407 12073 13 Yes 407 Sysmiss 12073 G5.14. Reason for Not saving - Do not understand the investment/savings products 23 12457 14 Yes 23 Sysmiss 12457 G5.15. Reason for Not saving - There are too many to choose from so I get confused 1 12479 15 Yes 1 Sysmiss 12479 G5.16. Reason for Not saving - Other 6 12474 16 Yes 6 Sysmiss 12474 G5.17. Reason for Not saving - Do not know 0 12480 17 Yes 0 Sysmiss 12480 H1a. Credit statement - You avoid borrowing money if you can 12479 1 1 Agree 8953 2 Disagree 3526 Sysmiss 1 H1b. Credit statement - You prefer to save money for something rather than borrow to pay for it 12479 1 1 Agree 11583 2 Disagree 896 Sysmiss 1 H1c. Credit statement - Without borrowing money you would not be able to pay for your children’s education 12479 1 1 Agree 4622 2 Disagree 7857 Sysmiss 1 H1d. Credit statement - If you borrow money it is okay to pay it a bit later than agreed 12479 1 1 Agree 2698 2 Disagree 9781 Sysmiss 1 H1e. Credit statement - Being able to borrow money when you need it is more important than the amount of money you have to pay back 12479 1 1 Agree 8586 2 Disagree 3893 Sysmiss 1 H1f. Credit statement - It is better to keep savings than to use it to pay a debt 12479 1 1 Agree 10118 2 Disagree 2361 Sysmiss 1 H1g. Credit statement - You have considered going to see someone to help you with your debt problems 12479 1 1 Agree 5944 2 Disagree 6535 Sysmiss 1 H1h. Credit statement - You have considered cancelling insurance or investment policies to pay back money that you have borrowed 12479 1 1 Agree 7580 2 Disagree 4899 Sysmiss 1 H1i. Credit statement - You usually have problems making ends meet 12479 1 1 Agree 7740 2 Disagree 4739 Sysmiss 1 H1j. Credit statement - In the past 12 months you had problems regarding the arrears with payments for things like rent, municipality bills or debt payment 12479 1 1 Agree 2539 2 Disagree 9940 Sysmiss 1 H2a. Borrowed money in the past 12 months 12476 4 1 yes 5796 2 No 6680 Sysmiss 4 H2b. Reasons for not borrowing money in the past 12 months 989 11491 1 Didn?t need to borrow money 293 2 Don?t want to borrow money/ Don?t believe in borrowing money 29 3 Worried would not be able to pay back the money 487 4 Interest charged on borrowed money is too high 6 5 Do not know where to borrow money from 12 6 Do not know how to apply for a loan 9 7 Do not have security or collateral 120 8 Do not meet the requirements of financial institutions 20 9 Not allowed to borrow money by spouse, by family or other 4 10 Tried to borrow, but have been refused 7 11 Other, specify 2 Sysmiss 11491 H2c. Paying back borrowed money in the past 12 months 12468 12 1 yes 5480 2 No 6988 Sysmiss 12 H3. During the past 12 months, did you get any goods/services in advance and had to pay later? 12459 21 1 yes 4175 2 No 8284 Sysmiss 21 H4.01_a Credit from a bank 12479 1 0 No 12196 1 yes 283 Sysmiss 1 H401_b1. Credit at a bank - Where bank products held 283 12197 1 AB BANK 7 2 AGASEKE BANK 2 3 BACAR - FINABANK - GT BANK 1 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 47 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 97 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 0 8 BCDI - ECOBANK 1 9 BCR - I&M BANK 2 10 COGEBANQUE Limited 3 11 CRANE BANK 0 12 EQUITY BANK 2 13 KENYA COMMERCIAL BANK (KCB) 5 14 UNGUKA BANK Ltd 11 15 URWEGO OPPORTUNITY BANK (UOB) 64 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 39 99 99 2 Sysmiss 12197 H401_b2. Credit at a bank - Where bank products held 281 12199 1 AB BANK 1 2 AGASEKE BANK 0 3 BACAR - FINABANK - GT BANK 0 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 1 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 3 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 1 8 BCDI - ECOBANK 0 9 BCR - I&M BANK 0 10 COGEBANQUE Limited 0 11 CRANE BANK 0 12 EQUITY BANK 4 13 KENYA COMMERCIAL BANK (KCB) 0 14 UNGUKA BANK Ltd 1 15 URWEGO OPPORTUNITY BANK (UOB) 4 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 0 99 99 266 Sysmiss 12199 H4.02_a Credit from MFI 12479 1 0 No 12269 1 yes 210 Sysmiss 1 H402_b1. Credit at MFI - Where credit products held 209 12271 3 99 1 ABADAHIGWA 0 2 AKAGEGA 0 3 AMASEZERANO 2 4 BHR 0 5 BLUE FINANCIAL 0 6 CAF 4 7 CAPEC 1 8 CEA 0 9 CLECAM 27 10 CMF 0 11 CODEMARU 1 12 COMICOKA 0 13 COOJAD 0 14 COOPEC 7 15 COOPEDU 16 16 COPECYA 1 17 CPF 2 18 CSTCR CYOHOHA RUKERI 0 19 CT 0 20 DUKORERE U RWANDA 0 21 DUTERIMBERE SA 12 22 EBENEZER 0 23 GOSHEN 4 24 IKIGEGA 0 25 INGASHYA 1 26 INKINGI 0 27 INKUNGA 2 28 INZIRA 0 29 ISHEMA 0 30 ITI 1 31 KOZIBI 1 32 LEDECO 1 33 RIM 30 34 RML 0 35 SACCOs Z'URUGANDA RW'ICYAYI 7 36 SMFG 0 37 SWOFT 1 38 TRASO CSPKI 1 39 UBAKA 1 40 UMUTANGUHA 9 41 UMWALIMU SACCO 56 42 Vision Finance Company (VFC) 19 99 99 2 H402_b2. Credit at MFI - Where credit products held 206 12274 1 ABADAHIGWA 0 2 AKAGEGA 0 3 AMASEZERANO 1 4 BHR 0 5 BLUE FINANCIAL 0 6 CAF 0 7 CAPEC 0 8 CEA 0 9 CLECAM 0 10 CMF 0 11 CODEMARU 0 12 COMICOKA 0 13 COOJAD 0 14 COOPEC 0 15 COOPEDU 0 16 COPECYA 0 17 CPF 0 18 CSTCR CYOHOHA RUKERI 0 19 CT 0 20 DUKORERE U RWANDA 0 21 DUTERIMBERE SA 1 22 EBENEZER 0 23 GOSHEN 0 24 IKIGEGA 0 25 INGASHYA 0 26 INKINGI 1 27 INKUNGA 0 28 INZIRA 0 29 ISHEMA 0 30 ITI 0 31 KOZIBI 0 32 LEDECO 0 33 RIM 0 34 RML 0 35 SACCOs Z'URUGANDA RW'ICYAYI 0 36 SMFG 0 37 SWOFT 0 38 TRASO CSPKI 0 39 UBAKA 0 40 UMUTANGUHA 0 41 UMWALIMU SACCO 1 42 Vision Finance Company (VFC) 1 99 99 201 Sysmiss 12274 H4.03_a. Mobile money 12479 1 0 No 12110 1 yes 369 Sysmiss 1 H4.04_a. SACCO 12479 1 0 No 11952 1 yes 527 Sysmiss 1 H4.05_a. Government 12479 1 0 No 12199 1 yes 280 Sysmiss 1 H4.06_a. Employer 12479 1 0 No 11752 1 yes 727 Sysmiss 1 H4.07_a. Informal groups such as VLSA 12479 1 0 No 7339 1 yes 5140 Sysmiss 1 H4.08_a. Money lender 12479 1 0 No 12095 1 yes 384 Sysmiss 1 H4.09_a. Farmers association 12479 1 0 No 11812 1 yes 667 Sysmiss 1 H4.10_a. Church or other community based organisation 12479 1 0 No 11871 1 yes 608 Sysmiss 1 H4.11_a. Family/friend to be paid back 12479 1 0 No 5859 1 yes 6620 Sysmiss 1 H4.12_a. Family/friend NOT to be paid back 12479 1 0 No 9757 1 yes 2722 Sysmiss 1 H4.13_a. Goods from shop/store and had to pay back late 12480 0 0 No 8305 1 yes 4175 H4.14_a. Other 12479 1 0 No 12349 1 yes 130 Sysmiss 1 H4C. Where did you borrow most of the money from? 8084 4396 1 Borrowed money from a bank (USE BANK LIST) 204 2 150 3 Mobile Money 10 4 Borrowed from an umurenge SACCO 335 5 Got a loan from Government (Ubudehe credit scheme/VUP loan) 110 6 Borrowed money from your employer 138 7 Borrowed money from a group such as a co-op, VLSA, tontine, 3456 8 Borrowed money from a money lender in the community 54 9 Borrowed money/got goods in advance from an agricultural buy 56 10 Borrowed money from a church or other community based organi 90 11 Borrowed money from family/friends that you had to pay back 2009 12 Got money from family/friends that you did not have to pay b 580 13 Got goods in advance from a shop/store and had to pay back l 890 14 Borrowed money from a sources not mentioned, specify 2 Sysmiss 4396 H5.1 Reasons for borrowing money 8077 4403 1 Medical expenses/medical emergencies 959 2 An emergency other than medical 636 3 Funeral expenses 76 4 Education or school fees 467 5 Living expenses when you did not have money 2840 6 Farming expenses such as seeds, fertiliser 603 7 Buying livestock 547 8 For business/investment 569 9 Buying farming equipment/implements 331 10 Paying off other debt 223 11 Buying land/dwelling 350 12 Building/improving dwelling 426 13 Other specify 50 Sysmiss 4403 H6. Most important factor when choosing where to borrow money 12452 28 1 Lowest interest rates 3446 2 Repayment terms that work for me 2517 3 Quickest access to money 2386 4 Ability to meet lender/loan requirements 405 5 Simple application process; understandable documentation 392 6 Trust 2535 7 Don?t have a choice between lenders 353 8 Don?t know 381 9 Other, specify 37 Sysmiss 28 H7a. In the past 6 months, have you been refused a loan by a bank or SACCO or MFI? 12475 5 1 Yes 95 2 No 4230 3 Did not apply 8150 Sysmiss 5 H7b. Main reason given for the refusal 97 12383 1 Did not have a down payment 15 2 Did not have a payslip 4 3 Did not have security/collateral 26 4 Income was too low 18 5 Had too many other debts 4 6 Loan officer asked for a bribe and I didn?t pay the bribe 0 7 Don?t know 25 8 Other, (Specify) 5 Sysmiss 12383 12479 1 1 Yes 1840 2 No 10639 Sysmiss 1 I1b.1. Coping strategy - Increase in household size 1840 10640 1 Used savings 646 2 Borrowed money 293 3 Sold something to get money 102 4 Cut down expenses 714 5 Claimed insurance/policy pay-out 11 6 Other 74 Sysmiss 10640 12479 1 1 Yes 1491 2 No 10988 Sysmiss 1 I1b.2. Coping strategy - Household not getting cash anymore 1491 10989 1 Used savings 313 2 Borrowed money 194 3 Sold something to get money 72 4 Cut down expenses 791 5 Claimed insurance/policy pay-out 3 6 Other 118 Sysmiss 10989 12479 1 1 Yes 5554 2 No 6925 Sysmiss 1 I1b.3. Coping strategy - Pay unforeseen expenses 5554 6926 1 Used savings 1655 2 Borrowed money 1841 3 Sold something to get money 689 4 Cut down expenses 408 5 Claimed insurance/policy pay-out 803 6 Other 158 Sysmiss 6926 12479 1 1 Yes 2422 2 No 10057 Sysmiss 1 I1b.4. Coping strategy - Unexpected rise in prices of goods, fuel 2422 10058 1 Used savings 615 2 Borrowed money 342 3 Sold something to get money 117 4 Cut down expenses 1203 5 Claimed insurance/policy pay-out 16 6 Other 129 Sysmiss 10058 12479 1 1 Yes 10136 2 No 2343 Sysmiss 1 I1b.5. Coping strategy - Running out of money to meet household expenses 10136 2344 1 Used savings 1080 2 Borrowed money 3744 3 Sold something to get money 631 4 Cut down expenses 4052 5 Claimed insurance/policy pay-out 21 6 Other 608 Sysmiss 2344 12479 1 1 Yes 6134 2 No 6345 Sysmiss 1 I1b.6. Coping strategy - Harvest/livestock loss 6134 6346 1 Used savings 893 2 Borrowed money 888 3 Sold something to get money 421 4 Cut down expenses 3230 5 Claimed insurance/policy pay-out 13 6 Other 689 Sysmiss 6346 12479 1 1 Yes 896 2 No 11583 Sysmiss 1 I1b.7. Coping strategy - Loss of an asset/dwelling/land 896 11584 1 Used savings 249 2 Borrowed money 139 3 Sold something to get money 95 4 Cut down expenses 210 5 Claimed insurance/policy pay-out 11 6 Other 192 Sysmiss 11584 I2a. Insurance statement - Insurance is not a way of saving because they never pay out 12479 1 1 Agree 4344 2 Disagree 4867 3 Don?t know 3268 Sysmiss 1 I2b. Insurance statement - Having insurance is a good way of protecting yourself for when things go wrong 12479 1 1 Agree 9822 2 Disagree 620 3 Don?t know 2037 Sysmiss 1 I2c. Insurance statement - It is better to have savings to fall back on when you suffer a loss rather than to have insurance 12479 1 1 Agree 9072 2 Disagree 2273 3 Don?t know 1134 Sysmiss 1 I2d. Insurance statement - You understand how insurance works 12479 1 1 Agree 3547 2 Disagree 2742 3 Don?t know 6190 Sysmiss 1 12479 1 1 Agree 6920 2 Disagree 4843 3 Don?t know 716 Sysmiss 1 I3a.1. Do you have insurance 12479 1 1 Yes 605 2 No 11874 Sysmiss 1 I3a.2. Do you have Mutuelle de Sante (National Health Insurance)? 12479 1 1 Yes 9561 2 No 2918 Sysmiss 1 I4.1. Insurance product - Third party insurance 12479 1 1 Yes 100 2 No 12379 Sysmiss 1 I4.2. Insurance product - Education insurance 12479 1 1 Yes 108 2 No 12371 Sysmiss 1 I4.3. Insurance product - Household insurance 12479 1 1 Yes 43 2 No 12436 Sysmiss 1 I4.4. Insurance product - Life insurance 12479 1 1 Yes 112 2 No 12367 Sysmiss 1 I4.5. Insurance product - Credit life (insurance linked to a loan) 12479 1 1 Yes 104 2 No 12375 Sysmiss 1 I4.6. Insurance product - Rwanda Social Security Board (CSR/RSSB) 12479 1 1 Yes 334 2 No 12145 Sysmiss 1 I4.7. Insurance product - Private pension 12479 1 1 Yes 102 2 No 12377 Sysmiss 1 I4.8. Insurance product - Agriculture insurance 12479 1 1 Yes 39 2 No 12440 Sysmiss 1 I4.9. Insurance product - Other insurance product 12479 1 1 Yes 28 2 No 12451 Sysmiss 1 I5. Reasons for not having insurance 11766 714 1 Has never heard about it / Don?t know about insurance 2140 2 Does not know how it works 1858 3 Does not know how to get it/where to get it 456 4 Does not trust it or the companies 51 5 Protects self in other ways ? don?t need it 116 6 Doesn't want to think about bad things that might happen 48 7 Cannot afford it 6888 8 They don?t want to pay out when you claim 23 9 Other specify 186 Sysmiss 714 I6. Funeral cover provision 12479 1 1 I have to make provision before I die/Have made provision 1123 2 My family 9595 3 The community 346 4 Employer 9 5 Saving group 1038 6 Don?t know 364 7 Other, specify 4 Sysmiss 1 J1a. In the past 6 months have sent money to someone within the country 12479 1 1 Yes 2489 2 No 9990 Sysmiss 1 J1b. In the past 6 months have sent money to someone outside the country 12479 1 1 Yes 88 2 No 12391 Sysmiss 1 J2a1.1. Spouse 201 12279 1 Yes 201 Sysmiss 12279 J2a1.2. Child 538 11942 2 Yes 538 Sysmiss 11942 J2a1.3. Parent 246 12234 3 Yes 246 Sysmiss 12234 J2a1.4. Other family member 1020 11460 4 Yes 1020 Sysmiss 11460 J2a1.5. Friend 667 11813 5 Yes 667 Sysmiss 11813 J2a1.6. Supplier / Business 124 12356 6 Yes 124 Sysmiss 12356 J2a1.7. Someone you borrow from 71 12409 7 Yes 71 Sysmiss 12409 J2a1.8. School, college or university 9 12471 8 Yes 9 Sysmiss 12471 J2a1.9. Other (specify) 14 12466 9 Yes 14 Sysmiss 12466 J2a.2. Person received the money most in the past 6 months 2522 9958 1 Spouse 184 2 Child 509 3 Parent 218 4 Other family member 906 5 Friend 515 6 Supplier/ Business 115 7 Someone you borrowed from 58 8 School, college or university 8 9 Other specify 9 Sysmiss 9958 J2b.2. Where did you send the money to? 2522 9958 1 Rural village 1273 2 Urban town 1209 3 East Africa 32 4 Other parts of the world 8 Sysmiss 9958 J2c. How often do you send money? 2515 9965 1 Weekly 42 2 Fortnightly 71 3 Monthly 256 4 Quarterly 333 5 Once a year 251 6 Irregularly/occasionally 1562 Sysmiss 9965 J2d1. Bank transfer / into bank account 2511 9969 1 Yes 102 2 No 2409 Sysmiss 9969 J2d2. Post office 2493 9987 1 Yes 0 2 No 2493 Sysmiss 9987 J2d3. Wstern Union / Money gram 2494 9986 1 Yes 23 2 No 2471 Sysmiss 9986 J2d4. Cell phone top up 2490 9990 1 Yes 81 2 No 2409 Sysmiss 9990 J2d5. Mobile money 2520 9960 1 Yes 2155 2 No 365 Sysmiss 9960 J2d6. Bus or taxi 2498 9982 1 Yes 12 2 No 2486 Sysmiss 9982 J2d7. Relative / friend / someone else 2495 9985 1 Yes 274 2 No 2221 Sysmiss 9985 J2d8. Taking money personally there 2494 9986 1 Yes 302 2 No 2192 Sysmiss 9986 J2d9. Other 2489 9991 1 Yes 8 2 No 2481 Sysmiss 9991 J2e. Hom much did you send the last time? 2522 9958 0 7500000 30994.01 221555.133 J3a. In the past 6 months have received money from someone within the country 12479 1 1 Yes 2745 2 No 9734 Sysmiss 1 J3b. In the past 6 months have received money from someone outside the country 12479 1 1 Yes 277 2 No 12202 Sysmiss 1 J4a1.1. Spouse 298 12182 1 Yes 298 Sysmiss 12182 J4a1.2. Child 489 11991 2 Yes 489 Sysmiss 11991 J4a1.3. Parent 181 12299 3 Yes 181 Sysmiss 12299 J4a1.4. Other family member 1181 11299 4 Yes 1181 Sysmiss 11299 J4a1.5. Friend 844 11636 5 Yes 844 Sysmiss 11636 J4a1.6. Customer 169 12311 6 Yes 169 Sysmiss 12311 J4a1.7. Someone you lent to 89 12391 7 Yes 89 Sysmiss 12391 J4a1.8. Other 45 12435 8 Yes 45 Sysmiss 12435 J4b.2. Where did you send the money to? 2869 9611 1 Rural village 858 2 Urban town 1910 3 East africa 62 4 Other parts of the world 39 Sysmiss 9611 J4c. How often do you send money? 2867 9613 1 Weekly 61 2 Fortnightly 100 3 Monthly 297 4 Quarterly 228 5 Once a year 297 6 Iregularly/occasionally 1884 Sysmiss 9613 J4d. Which channel do you most receive money trough? 2869 9611 1 Bank transfer/Pay into bank account 51 2 Post Office 0 3 Western Union/ Money gram 72 4 Cell phone top-up 10 5 Mobile money 2325 6 Bus or Taxi 7 7 Sending someone travelling here 222 8 Kuyizanira we ubwe 178 9 Other 4 Sysmiss 9611 J4e. What did you use most of the money sent you for? 2871 9609 1 Investment 152 2 Business 201 3 Bought food/clothes 1619 4 Paid school fees 217 5 Paid medical fees/medicine 293 6 Paid funeral expenses 25 7 Bought/ Build a House 119 8 Paid rent 34 9 Other, specify 211 Sysmiss 9609 J5a. Have you ever sent or received money using a mobile phone? 12471 9 1 Yes - received 1703 2 Yes- sent 878 3 Yes - received and Yes sent 1845 4 No 8045 Sysmiss 9 J5b. Sent/received money using a mobile phone in the past 6 months 4431 8049 1 Yes - received 1510 2 Yes- sent 983 3 Yes - received and Yes sent 1270 4 No 668 Sysmiss 8049 J6a. Would you use a mobile phone to send money? 8690 3790 1 Yes 6084 2 No 2606 Sysmiss 3790 J6b. Reason why one would not use a mobile phone to send money 2617 9863 1 Don?t trust 411 2 It is complicated 859 3 Agents too far 23 4 Too expensive 431 5 Don?t have access to a mobile phone 277 6 Prefer other ways of sending/receiving money 129 7 Don?t have the documents to register 19 8 Doesn?t meet my needs 423 9 Other 45 Sysmiss 9863 12479 1 1 True 7877 2 False 4258 3 Don?t know 344 Sysmiss 1 K1b. Banking statements - Having a bank account makes it easier to get credit 12479 1 1 True 11089 2 False 691 3 Don?t know 699 Sysmiss 1 K1c. Banking statements - You can easily live your life without a bank account 12479 1 1 True 6790 2 False 5152 3 Don?t know 537 Sysmiss 1 K1d. Banking statements - Most services from banks are also offered elsewhere 12479 1 1 True 7479 2 False 2698 3 Don?t know 2302 Sysmiss 1 K1e. Banking statements - You trust banks with your money 12479 1 1 True 10428 2 False 462 3 Don?t know 1589 Sysmiss 1 K1f. Banking statements - Banking is for people like me 12479 1 1 True 9652 2 False 2171 3 Don?t know 656 Sysmiss 1 K1g. Banking statements - Banks treat people with respect 12479 1 1 True 10510 2 False 217 3 Don?t know 1752 Sysmiss 1 K1.2.1. Do you have a bank account? 12479 1 1 Yes 1598 2 No 10881 Sysmiss 1 K1.2.1A. Do you have a personal bank account? 1597 10883 1 Yes 1434 2 No 163 Sysmiss 10883 K1.2.1B.1. Where bank products held 1434 11046 1 AB BANK 16 2 AGASEKE BANK 13 3 BACAR - FINABANK - GT BANK 12 4 BANCOR - ACCESS BANK 3 5 BANK OF KIGALI (BK) 229 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 778 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 2 8 BCDI - ECOBANK 10 9 BCR - I&M BANK 5 10 COGEBANQUE Limited 17 11 CRANE BANK 0 12 EQUITY BANK 115 13 KENYA COMMERCIAL BANK (KCB) 20 14 UNGUKA BANK Ltd 31 15 URWEGO OPPORTUNITY BANK (UOB) 138 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 44 99 99 1 Sysmiss 11046 K1.2.1B.2. Where bank products held - 1423 11057 1 AB BANK 2 2 AGASEKE BANK 0 3 BACAR - FINABANK - GT BANK 2 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 32 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 65 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 1 8 BCDI - ECOBANK 5 9 BCR - I&M BANK 4 10 COGEBANQUE Limited 9 11 CRANE BANK 1 12 EQUITY BANK 41 13 KENYA COMMERCIAL BANK (KCB) 10 14 UNGUKA BANK Ltd 11 15 URWEGO OPPORTUNITY BANK (UOB) 25 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 10 99 99 1205 Sysmiss 11057 K1.2.1C.1. Have used bank account in the past month 1435 11045 1 Yes 702 2 No 733 Sysmiss 11045 K1.2.1C.2. Have used bank account this year 733 11747 1 Yes 374 2 No 359 Sysmiss 11747 K1.2.1D. Reasons for Not using bank account 359 12121 1 Didn?t need to use it 174 2 Doesn?t meet my needs 24 3 Too expensive 84 4 Too complicated 26 5 Service is not good 8 6 Other 43 Sysmiss 12121 K1.2.2A. Savings account at a bank 1598 10882 1 Yes 732 2 No 866 Sysmiss 10882 K1.2.2B.1. Where savings at a bank products held 732 11748 1 BK 131 2 BRD 5 3 FINABANK 7 4 COGEBANQUE 5 5 I&M Bank 4 6 ECOBANK 6 7 UOB 58 8 ACCESS BANK 5 9 BPR 380 10 KCB 12 11 ZIGAMA CSS 24 12 UNGUKA BANK 20 13 AGASEKE BANK 7 14 EQUITY BANK 56 15 OTHER 5 99 99 7 Sysmiss 11748 K1.2.2B.2. Where savings at a bank products held 730 11750 1 AB BANK 1 2 AGASEKE BANK 0 3 BACAR - FINABANK - GT BANK 1 4 BANCOR - ACCESS BANK 1 5 BANK OF KIGALI (BK) 20 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 35 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 0 8 BCDI - ECOBANK 2 9 BCR - I&M BANK 2 10 COGEBANQUE Limited 4 11 CRANE BANK 0 12 EQUITY BANK 10 13 KENYA COMMERCIAL BANK (KCB) 4 14 UNGUKA BANK Ltd 4 15 URWEGO OPPORTUNITY BANK (UOB) 13 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 6 99 99 627 Sysmiss 11750 K1.2.2C.1. Have used bank account in the past month 731 11749 1 Yes 367 2 No 364 Sysmiss 11749 K1.2.2C.2. Have used bank account this year 364 12116 1 Yes 238 2 No 126 Sysmiss 12116 K122d. Reasons for Not using bank account 127 12353 1 Didn?t need to use it 66 2 Doesn?t meet my needs 7 3 Too expensive 26 4 Too complicated 9 5 Service is not good 3 6 Other 16 Sysmiss 12353 K1.2.3A. Credit from a bank 1598 10882 1 Yes 203 2 No 1395 Sysmiss 10882 K1.2.3B.1. Where credit at a bank products held 203 12277 1 AB BANK 7 2 AGASEKE BANK 2 3 BACAR - FINABANK - GT BANK 1 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 35 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 75 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 2 8 BCDI - ECOBANK 1 9 BCR - I&M BANK 1 10 COGEBANQUE Limited 4 11 CRANE BANK 0 12 EQUITY BANK 6 13 KENYA COMMERCIAL BANK (KCB) 5 14 UNGUKA BANK Ltd 3 15 URWEGO OPPORTUNITY BANK (UOB) 29 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 31 99 99 1 Sysmiss 12277 K1.2.3B.2. Where credit at a bank products held 203 12277 1 AB BANK 0 2 AGASEKE BANK 0 3 BACAR - FINABANK - GT BANK 0 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 1 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 3 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 1 8 BCDI - ECOBANK 0 9 BCR - I&M BANK 0 10 COGEBANQUE Limited 0 11 CRANE BANK 0 12 EQUITY BANK 0 13 KENYA COMMERCIAL BANK (KCB) 0 14 UNGUKA BANK Ltd 0 15 URWEGO OPPORTUNITY BANK (UOB) 1 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 1 99 99 196 Sysmiss 12277 K1.2.4A . ATM/Debit card 1598 10882 1 Yes 396 2 No 1202 Sysmiss 10882 K1.2.4B.1. Where ATM card held 396 12084 1 BK 88 2 BRD 0 3 FINABANK 7 4 COGEBANQUE 11 5 I&M Bank 2 6 ECOBANK 9 7 UOB 29 8 ACCESS BANK 1 9 BPR 155 10 KCB 13 11 ZIGAMA CSS 8 12 UNGUKA BANK 3 13 AGASEKE BANK 0 14 EQUITY BANK 65 15 OTHER 1 99 99 4 Sysmiss 12084 K1.2.4B.2. Where ATM card held 396 12084 1 BK 4 2 BRD 0 3 FINABANK 1 4 COGEBANQUE 1 5 I&M Bank 1 6 ECOBANK 1 7 UOB 5 8 ACCESS BANK 0 9 BPR 12 10 KCB 7 11 ZIGAMA CSS 1 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 15 15 OTHER 2 99 99 346 Sysmiss 12084 K1.2.4C.1. Have used ATM card in the past month 396 12084 1 Yes 200 2 No 196 Sysmiss 12084 K1.2.4C.2. Have used ATM card this year 196 12284 1 Yes 124 2 No 72 Sysmiss 12284 K1.2.4D. Reasons for Not using ATM card 72 12408 1 Didn?t need to use it 43 2 Doesn?t meet my needs 7 3 Too expensive 9 4 Too complicated 1 5 Service is not good 6 6 Other 6 Sysmiss 12408 K1.2.5A.Current or cheque account 1598 10882 1 Yes 1150 2 No 448 Sysmiss 10882 K1.2.5B.1. Where current account held 1142 11338 1 AB BANK 15 2 AGASEKE BANK 8 3 BACAR - FINABANK - GT BANK 9 4 BANCOR - ACCESS BANK 1 5 BANK OF KIGALI (BK) 204 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 646 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 3 8 BCDI - ECOBANK 8 9 BCR - I&M BANK 5 10 COGEBANQUE Limited 14 11 CRANE BANK 0 12 EQUITY BANK 55 13 KENYA COMMERCIAL BANK (KCB) 14 14 UNGUKA BANK Ltd 33 15 URWEGO OPPORTUNITY BANK (UOB) 92 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 34 99 99 1 Sysmiss 11338 K1.2.5B.2. Where current account held 1142 11338 1 AB BANK 0 2 AGASEKE BANK 1 3 BACAR - FINABANK - GT BANK 1 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 29 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 40 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 1 8 BCDI - ECOBANK 5 9 BCR - I&M BANK 2 10 COGEBANQUE Limited 6 11 CRANE BANK 1 12 EQUITY BANK 19 13 KENYA COMMERCIAL BANK (KCB) 5 14 UNGUKA BANK Ltd 5 15 URWEGO OPPORTUNITY BANK (UOB) 19 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 5 99 99 1003 Sysmiss 11338 K1.2.5C.1. Have used current account in the past month 1149 11331 1 Yes 481 2 No 668 Sysmiss 11331 K1.2.5C.2. Have used current accountt this year 667 11813 1 Yes 362 2 No 305 Sysmiss 11813 K1.2.5d. Reasons for Not using current account 306 12174 1 Didn?t need to use it 168 2 Doesn?t meet my needs 20 3 Too expensive 63 4 Too complicated 19 5 Service is not good 4 6 Other 32 Sysmiss 12174 K1.2.6A. Overdraft facilities 1597 10883 1 Yes 26 2 No 1571 Sysmiss 10883 K1.2.6B.1. Where overdraft account held 27 12453 1 AB BANK 0 2 AGASEKE BANK 1 3 BACAR - FINABANK - GT BANK 0 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 7 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 10 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 0 8 BCDI - ECOBANK 0 9 BCR - I&M BANK 1 10 COGEBANQUE Limited 0 11 CRANE BANK 0 12 EQUITY BANK 1 13 KENYA COMMERCIAL BANK (KCB) 1 14 UNGUKA BANK Ltd 1 15 URWEGO OPPORTUNITY BANK (UOB) 2 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 3 99 99 0 Sysmiss 12453 K12.6B.2. Where overdraft account held 27 12453 1 AB BANK 0 2 AGASEKE BANK 0 3 BACAR - FINABANK - GT BANK 0 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 1 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 0 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 0 8 BCDI - ECOBANK 2 9 BCR - I&M BANK 0 10 COGEBANQUE Limited 0 11 CRANE BANK 0 12 EQUITY BANK 0 13 KENYA COMMERCIAL BANK (KCB) 0 14 UNGUKA BANK Ltd 1 15 URWEGO OPPORTUNITY BANK (UOB) 0 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 0 99 99 23 Sysmiss 12453 K1.2.6C.1. Have used overdraft account in the past month 26 12454 1 Yes 13 2 No 13 Sysmiss 12454 K1.2.6C.2. Have used overdraft accountt this year 13 12467 1 Yes 7 2 No 6 Sysmiss 12467 K1.2.6D. Reasons for Not using overdraft account 6 12474 1 Didn?t need to use it 4 2 Doesn?t meet my needs 0 3 Too expensive 2 4 Too complicated 0 5 Service is not good 0 6 Other 0 Sysmiss 12474 K1.2.7A. Credit card 1598 10882 1 Yes 10 2 No 1588 Sysmiss 10882 K1.2.7B. Where credit card account held 10 12470 1 BK 5 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 I&M Bank 0 6 ECOBANK 0 7 UOB 1 8 ACCESS BANK 1 9 BPR 3 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 99 0 Sysmiss 12470 K1.2.7B.2. Where credit card account held 10 12470 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 I&M Bank 0 6 ECOBANK 1 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 99 9 Sysmiss 12470 K1.2.7C.1. Have used credit card account in the past month 10 12470 1 Yes 2 2 No 8 Sysmiss 12470 K1.2.7C.2. Have used credit card account in the past month 8 12472 1 Yes 5 2 No 3 Sysmiss 12472 K1.2.7D. Reasons for Not using credit card account 3 12477 1 Didn?t need to use it 3 2 Doesn?t meet my needs 0 3 Too expensive 0 4 Too complicated 0 5 Service is not good 0 6 Other 0 Sysmiss 12477 K1.2.8A. Mobile banking (M-Banking) 1598 10882 1 Yes 333 2 No 1265 Sysmiss 10882 K1.2.8B.1. Where mobile banking account held 332 12148 1 AB BANK 5 2 AGASEKE BANK 3 3 BACAR - FINABANK - GT BANK 3 4 BANCOR - ACCESS BANK 1 5 BANK OF KIGALI (BK) 79 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 143 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 4 8 BCDI - ECOBANK 7 9 BCR - I&M BANK 2 10 COGEBANQUE Limited 5 11 CRANE BANK 0 12 EQUITY BANK 31 13 KENYA COMMERCIAL BANK (KCB) 5 14 UNGUKA BANK Ltd 4 15 URWEGO OPPORTUNITY BANK (UOB) 26 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 12 99 99 2 Sysmiss 12148 K1.2.8B.2. Where mobile banking account held 332 12148 1 AB BANK 0 2 AGASEKE BANK 0 3 BACAR - FINABANK - GT BANK 1 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 6 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 12 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 0 8 BCDI - ECOBANK 2 9 BCR - I&M BANK 0 10 COGEBANQUE Limited 1 11 CRANE BANK 0 12 EQUITY BANK 7 13 KENYA COMMERCIAL BANK (KCB) 1 14 UNGUKA BANK Ltd 0 15 URWEGO OPPORTUNITY BANK (UOB) 4 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 2 99 99 296 Sysmiss 12148 K1.2.8C.1. Have used mobile banking account in the past month 333 12147 1 Yes 221 2 No 112 Sysmiss 12147 K1.2.8C.2. Have used mobile banking account this year 112 12368 1 Yes 82 2 No 30 Sysmiss 12368 K1.2.8D. Reasons for Not using mobile banking account 30 12450 1 Didn?t need to use it 16 2 Doesn?t meet my needs 5 3 Too expensive 6 4 Too complicated 1 5 Service is not good 1 6 Other 1 Sysmiss 12450 K1.2.9A. Internet baning 1597 10883 1 Yes 29 2 No 1568 Sysmiss 10883 K1.2.9C.1. Have used internet banking account in the past month 29 12451 1 Yes 22 2 No 7 Sysmiss 12451 K1.2.9C.2. Have used internet banking account this year 7 12473 1 Yes 3 2 No 4 Sysmiss 12473 K1.2.9D. Reasons for Not using interenet banking account 4 12476 1 Didn?t need to use it 3 2 Doesn?t meet my needs 0 3 Too expensive 0 4 Too complicated 0 5 Service is not good 0 6 Other 1 Sysmiss 12476 K1.2.10A. Foreing bank account 1597 10883 1 Yes 4 2 No 1593 Sysmiss 10883 K1.2.10B. Which country is foreign bank account 4 12476 1 EAC 3 2 Others 1 3 EAC and Others 0 4 NA 0 Sysmiss 12476 K1.2.10C.1. Have used internet foreign bank account in the past month 4 12476 1 Yes 2 2 No 2 Sysmiss 12476 K1.2.10C.2Have used foreign bank account in the past month 2 12478 1 Yes 2 2 No 0 Sysmiss 12478 K1.2.10D. Reasons for Not using foreign bank account 0 12480 1 Didn?t need to use it 0 2 Doesn?t meet my needs 0 3 Too expensive 0 4 Too complicated 0 5 Service is not good 0 6 Other 0 Sysmiss 12480 K1.2.11A. Any other bank account 1598 10882 1 Yes 1 2 No 1597 Sysmiss 10882 K1.2.11B.1. Where any other account held 1 12479 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 I&M Bank 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 0 11 ZIGAMA CSS 1 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 99 0 Sysmiss 12479 1 12479 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 I&M Bank 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 99 1 Sysmiss 12479 K1.2.11C.1. Have used any other bank account in the past month 1 12479 1 Yes 1 2 No 0 Sysmiss 12479 K1.2.11C.2. Have used ant other bank account this year 0 12480 1 Yes 0 2 No 0 Sysmiss 12480 K1.2.11D. Reasons for Not using any other bank account 0 12480 1 Didn?t need to use it 0 2 Doesn?t meet my needs 0 3 Too expensive 0 4 Too complicated 0 5 Service is not good 0 6 Other 0 Sysmiss 12480 K1.2.12A. Account with foreign currency 1596 10884 1 Yes 25 2 No 1571 Sysmiss 10884 K1.21.2B.1 Where is foreign currency is account held 26 12454 1 AB BANK 0 2 AGASEKE BANK 0 3 BACAR - FINABANK - GT BANK 1 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 9 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 3 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 0 8 BCDI - ECOBANK 1 9 BCR - I&M BANK 0 10 COGEBANQUE Limited 0 11 CRANE BANK 1 12 EQUITY BANK 4 13 KENYA COMMERCIAL BANK (KCB) 1 14 UNGUKA BANK Ltd 2 15 URWEGO OPPORTUNITY BANK (UOB) 2 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 2 99 99 0 Sysmiss 12454 K1.2.12B.2 Where is foreign currency is held 26 12454 1 AB BANK 0 2 AGASEKE BANK 0 3 BACAR - FINABANK - GT BANK 0 4 BANCOR - ACCESS BANK 0 5 BANK OF KIGALI (BK) 0 6 BANQUE POPULAIRE DU RWANDA LIMITED (BPR) 0 7 BANQUE RWANDAISE DE DEVELOPPEMENT LIMITED (BRD) 0 8 BCDI - ECOBANK 1 9 BCR - I&M BANK 0 10 COGEBANQUE Limited 0 11 CRANE BANK 0 12 EQUITY BANK 0 13 KENYA COMMERCIAL BANK (KCB) 0 14 UNGUKA BANK Ltd 0 15 URWEGO OPPORTUNITY BANK (UOB) 0 16 ZIGAMA CREDIT AND SAVING SOCIETY (CSS) 0 99 99 25 Sysmiss 12454 K1.2.12C.1 used it in the past month 26 12454 1 Yes 14 2 No 12 Sysmiss 12454 K1.2.12C.2 used it this year 11 12469 1 Yes 8 2 No 3 Sysmiss 12469 K.1.2.12D. Why did you not use it 3 12477 1 Didn?t need to use it 2 2 Doesn?t meet my needs 0 3 Too expensive 1 4 Too complicated 0 5 Service is not good 0 6 Other 0 Sysmiss 12477 K1.3a. Have bank account in your name 1596 10884 1 Yes 368 2 No 1228 Sysmiss 10884 K1.3B. Can you use/access your bank account when you want to 368 12112 1 Yes 326 2 No 42 Sysmiss 12112 K1.3C. Main reason you are not able to use/access your account when you want to 42 12438 1 Not always open/available 0 2 Too far 4 3 It takes too much time 1 4 Too expensive 0 5 Need permission from someone to use it 37 6 Other, specify 0 Sysmiss 12438 K1.3D. Approximately length of having a bank account 368 12112 1 Less than a year 26 2 1-3 years 83 3 3-5 years 69 4 Longer than 5 years 176 5 Don?t remember 14 Sysmiss 12112 K1.3E. Main reason for having a bank account? 368 12112 1 To process salary/wages 78 2 To save 163 3 to get credit/loan 35 4 To keep money safe 81 5 To make payments/receive money 11 6 Other, specify 0 Sysmiss 12112 K1.3F. Did you have an account with a SACCO or MFI when first opened a bank account? 368 12112 1 Yes 53 2 No 315 Sysmiss 12112 K1.3G. Did you close any of these when you opened your bank account 53 12427 1 Yes 11 2 No 42 Sysmiss 12427 K1.3H. Were you member of a group such as a savings and loan group or a savings club/tontine when first opened a bank account? 368 12112 1 Yes 109 2 No 259 Sysmiss 12112 K1.3I. Did you close any of these when you opened your bank account 109 12371 1 Yes 16 2 No 93 Sysmiss 12371 K1.4A. Use someone else bank account 1596 10884 1 Yes 245 2 No 1351 Sysmiss 10884 K1.4B. Can you use/access this bank account when you want to? 245 12235 1 Yes 207 2 No 38 Sysmiss 12235 K1.4C. Main reason you are not able to use/access this account when you want to 38 12442 1 Not always open/available 0 2 Too far 0 3 Too expensive 1 4 Need owner?s permission before I can use it 35 5 Cannot use it when the owner of the account is not around 2 6 Other, specify 0 Sysmiss 12442 K1.4D.1. Someone else bank account - Your spouse / partner's account 197 12283 1 Yes 197 Sysmiss 12283 K1.4D.2. Someone else bank account - Your child's account 10 12470 2 Yes 10 Sysmiss 12470 K1.4D.3. Someone else bank account - Your parent's account 22 12458 3 Yes 22 Sysmiss 12458 K1.4D.4. Someone else bank account - Account of another family member 12 12468 4 Yes 12 Sysmiss 12468 K1.4D.5. Someone else bank account - Account of a neighbour/friend 1 12479 5 Yes 1 Sysmiss 12479 K1.4D.6. Someone else bank account - Account of savings club 7 12473 6 Yes 7 Sysmiss 12473 K1.4D.7. Someone else bank account - Account of a community organisation/church 2 12478 7 Yes 2 Sysmiss 12478 K1.4D.8. Someone else bank account - Other 0 12480 Sysmiss 12480 K1.4E. Main reason why you are using someone else’s account 244 12236 1 I don?t meet the requirements to open an account/I?m too you 3 2 I don?t have the right documentation 2 3 We share the costs/it is cheaper to have one account 201 4 I am not allowed to have my own account ? by spouse, househo 4 5 I don?t know how to open an account 4 6 Other specify 30 Sysmiss 12236 K1.5.1A. Bank transaction used - Cash a cheque 1596 10884 1 Yes 563 2 No 1033 Sysmiss 10884 K1.5.1B. Banking Channels for transaction - Cash a cheque 563 11917 1 Bank 525 2 ATM 24 3 M_banking 2 4 All 12 Sysmiss 11917 K1.5.2A. Bank transaction used - Deposit cash into a bank account 1595 10885 1 Yes 1225 2 No 370 Sysmiss 10885 K1.5.2B. Banking Channels for transaction - Deposit cash into a bank account 1220 11260 1 Bank 1128 2 ATM 74 3 M_banking 10 4 All 8 Sysmiss 11260 K1.5.3A. Bank transaction used - Deposit a cheque into a bank account 1594 10886 1 Yes 327 2 No 1267 Sysmiss 10886 K1.5.3B. Banking Channels for transaction - Deposit a cheque into a bank account 329 12151 1 Bank 314 2 ATM 15 3 M_banking 0 4 All 0 Sysmiss 12151 K1.5.4A. Bank transaction used - Cash withdrawal from a bank account 1593 10887 1 Yes 1373 2 No 220 Sysmiss 10887 K1.5.4B. Banking Channels for transaction - Cash withdrawal from a bank account 1372 11108 1 Bank 1131 2 ATM 215 3 M_banking 10 4 All 16 Sysmiss 11108 K1.5.5A. Bank transaction used - Paid people/bills using a cheque 1594 10886 1 Yes 142 2 No 1452 Sysmiss 10886 K1.5.5B. Banking Channels for transaction - Paid people/bills using a cheque 142 12338 1 Bank 138 2 ATM 2 3 M_banking 1 4 All 1 Sysmiss 12338 K1.5.6A. Bank transaction used - Money transfers between your own bank accounts 1593 10887 1 Yes 95 2 No 1498 Sysmiss 10887 K1.5.6B. Banking Channels for transaction - Money transfers between your own bank accounts 95 12385 1 Bank 83 2 ATM 6 3 M_banking 4 4 All 2 Sysmiss 12385 K1.5.7A. Bank transaction used - Money transfer to another person’s bank account 1593 10887 1 Yes 184 2 No 1409 Sysmiss 10887 K1.5.7B. Banking Channels for transaction - Money transfer to another person’s bank account 184 12296 1 Bank 168 2 ATM 5 3 M_banking 9 4 All 2 Sysmiss 12296 K1.5.8A. Bank transaction used - Received money from someone into a bank account 1593 10887 1 Yes 216 2 No 1377 Sysmiss 10887 K1.5.8B. Banking Channels for transaction - Received money from someone into a bank account 216 12264 1 Bank 205 2 ATM 5 3 M_banking 6 4 All 0 Sysmiss 12264 K1.5.9A. Bank transaction used - Get a bank statement 1593 10887 1 Yes 417 2 No 1176 Sysmiss 10887 K1.5.9B. Banking Channels for transaction - Get a bank statement 417 12063 1 Bank 377 2 ATM 9 3 M_banking 28 4 All 3 Sysmiss 12063 K1.5.10A. Bank transaction used - Internet banking transaction 1592 10888 1 Yes 42 2 No 1550 Sysmiss 10888 K1.5.10B. Banking Channels for transaction - Internet banking transaction 43 12437 1 Bank 24 2 ATM 1 3 M_banking 17 4 All 1 Sysmiss 12437 K1.5.11A. Bank transaction used - Mobile banking transaction 1593 10887 1 Yes 309 2 No 1284 Sysmiss 10887 K1.5.11B. Banking Channels for transaction - Mobile banking transaction 308 12172 1 Bank 76 2 ATM 6 3 M_banking 221 4 All 5 Sysmiss 12172 K1.5.12A. Bank transaction used - Banking agent 1592 10888 1 Yes 300 2 No 1292 Sysmiss 10888 K1.5.12B. Banking Channels for transaction - Banking agent 301 12179 1 Bank 267 2 ATM 26 3 M_banking 8 4 All 0 Sysmiss 12179 K1.5.13A. Bank transaction used - Mobile van 1592 10888 1 Yes 52 2 No 1540 Sysmiss 10888 K1.5.13B. Banking Channels for transaction - Mobile van 52 12428 1 Bank 49 2 ATM 2 3 M_banking 0 4 All 1 Sysmiss 12428 K1.6. Main reason for not having a bank account 10874 1606 1 Does not need it - Insufficient or no money coming it to jus 9071 2 Cannot maintain the minimum balance 246 3 Bank service charges are too high 698 4 Banks are too far away 407 5 Banking hours are not convenient 2 6 Does not have the documentation required 66 7 Does not know how to apply 61 8 Does not understand benefits from having a bank account 61 9 Does not trust banks 21 10 Banks do not provide the products or services I need 43 11 Can get services needed elsewhere in the community 165 12 Need permission of someone else to open it 16 13 Other specify 17 Sysmiss 1606 K2.1a. MFI account 12477 3 1 Yes 606 2 No 11871 Sysmiss 3 K2.1b1. MFI account used past month 606 11874 1 Yes 328 2 No 278 Sysmiss 11874 K2.1b2. MFI account used this year 328 12152 1 Yes 317 2 No 11 Sysmiss 12152 K2.1c. Main reason for not using MFI account 199 12281 1 Didn?t need to use it 45 2 Doesn?t meet my needs 7 3 Too expensive 13 4 Too complicated 3 5 Service is not good 4 6 Other, specify 127 Sysmiss 12281 K2.1d1. MFI account - usually used for: Deposit 603 11877 1 Yes 532 2 No 71 Sysmiss 11877 K2.1d1. MFI account - usually used for: Savings 604 11876 1 Yes 511 2 No 93 Sysmiss 11876 K2.1d2. MFI account - usually used for: Credit/loan 602 11878 1 Yes 311 2 No 291 Sysmiss 11878 K2.1d3. MFI account - usually used for: Save and credit 601 11879 1 Yes 404 2 No 197 Sysmiss 11879 K2.1d3. MFI account - usually used for: Other 600 11880 1 Yes 22 2 No 578 Sysmiss 11880 K2.1e. For approximately how long have you had an account with a MFI 606 11874 1 Less than a year 83 2 1-2 years 151 3 3-5 years 339 4 Don?t remember 33 Sysmiss 11874 K2.1f. Why did you mainly open a MFI account 606 11874 1 To make Deposit 97 2 213 3 To get credit/loan 48 4 To save and get credit 226 5 Other, specify 22 Sysmiss 11874 K2.1g. Did you have an account with a bank or a SACCO 605 11875 1 Yes 235 2 No 370 Sysmiss 11875 K2.1h. Did you close any of these when you opened your MFI account 236 12244 1 Yes 76 2 No 160 Sysmiss 12244 K2.1i. Were you member of a group such as a savings and loan group or a savings club/tontine 605 11875 1 Yes 253 2 No 352 Sysmiss 11875 K2.1j. Did you give up your membership with any of these when you opened your MFI account 254 12226 1 Yes 39 2 No 215 Sysmiss 12226 K2.2. Main reason why do you not have an MFI 11860 620 1 Does not need it - Insufficient or no money coming it to jus 9741 2 Cannot maintain the minimum balance 276 3 Bank service charges are too high 555 4 Banks are too far away 335 5 Banking hours are not convenient 12 6 Does not have the documentation required 53 7 Does not know how to apply 132 8 Does not understand benefits from having a bank account 227 9 Does not trust banks 164 10 Banks do not provide the products or services I need 33 11 Can get services needed elsewhere in the community 279 12 Need permission of someone else to open it 12 13 Other specify 41 Sysmiss 620 K3.1a. Member of an Umurenge SACCO/have an Umurenge SACCO account 12474 6 1 Yes 3858 2 No 8616 Sysmiss 6 K3.1b1. SACOO account - Used in the past month 3860 8620 1 Yes 1451 2 No 2409 Sysmiss 8620 K3.1b2. SACOO account - Used this year 2409 10071 1 Yes 1481 2 No 928 Sysmiss 10071 K3.1c. Main reason for you not using Umurenge SACCO account 925 11555 1 Didn?t need to use it 559 2 Doesn?t meet my needs 32 3 Too expensive 156 4 Too complicated 61 5 Service is not good 9 6 Other, specify 108 Sysmiss 11555 3856 8624 1 Savings 2449 2 Credit 35 3 Savings and get Credit 1172 4 Other, specify 200 Sysmiss 8624 K3.1e. For approximately how long have you had an account with a SACCO 3855 8625 1 Less than a year 371 2 1-3 years 1134 3 3-5 years 2199 4 Don?t remember 151 Sysmiss 8625 K3.1f. Why did you mainly become a member 3858 8622 1 I was obliged/required to 1529 2 To save 1389 3 To get credit/loan 215 4 To keep money safe 703 5 Other, specify 22 Sysmiss 8622 K3.1g. When becaming a SACCO member, did you have an account with a bank or a MFI 3858 8622 1 Yes 727 2 No 3131 Sysmiss 8622 K3.1h. Did you close any of these when you opened your Umurenge SACCO account/became a member 728 11752 1 Yes 272 2 No 456 Sysmiss 11752 K3.1i. Were you member of a group such as a savings and loan group or a savings club/tontine? 3858 8622 1 Yes 1745 2 No 2113 Sysmiss 8622 K3.1j. Did you give up your membership 1746 10734 1 Yes 268 2 No 1478 Sysmiss 10734 K3.2. Main reason why do you not have a Umurenge account 8603 3877 1 Does not need it - Insufficient or no money coming it to jus 7371 2 Cannot maintain the minimum balance 145 3 Bank service charges are too high 376 4 Banks are too far away 60 5 Banking hours are not convenient 13 6 Does not have the documentation required 57 7 Does not know how to apply 58 8 Does not understand benefits from having a bank account 176 9 Does not trust banks 84 10 Banks do not provide the products or services I need 29 11 Can get services needed elsewhere in the community 193 12 Need permission of someone else to open it 15 13 Other specify 26 Sysmiss 3877 L1a. Belong to a savings groups such as a VSLA 12479 1 1 Yes 6749 2 No 5730 Sysmiss 1 L1b1. How did you learn about your savings group 6748 5732 1 Someone associated with an organization (staff or volunteer) 1789 2 Bank/Microfinance institution staff member 49 3 Church/affiliated with religious group 124 4 Individual in group 2767 5 Friend/community member who knew methodology 1402 6 Someone from another group 405 7 Don?t remember (started long ago, no original members part o 171 8 Other (specify) 41 Sysmiss 5732 L1b2.1. Savings group partners - Government 411 12069 1 Yes 411 Sysmiss 12069 L1b2.2. Savings group partners - CARE 672 11808 2 Yes 672 Sysmiss 11808 L1b2.3. Savings group partners - CRS 14 12466 3 Yes 14 Sysmiss 12466 L1b2.4. Savings group partners - World Vision 93 12387 4 Yes 93 Sysmiss 12387 L1b2.5. Savings group partners - Other 257 12223 5 Yes 257 Sysmiss 12223 L1b2.6. Savings group partners - None 5473 7007 6 Yes 5473 Sysmiss 7007 L1c. How often does the group meet with the facilitator 6726 5754 1 Weekly 145 2 Bi-weekly 59 3 Monthly 615 4 Quarterly 401 5 Occasionally 1076 6 Never visited by trainer 4414 7 Other (specify) 16 Sysmiss 5754 L1d. Reasons for using informal group 6739 5741 1 Save with the group 1047 2 Borrow from the group 71 3 Save with the group/ Borrow from the group 5604 4 Other 17 Sysmiss 5741 L1e Period (years) been a member of such a group 6746 5734 1 Less than a year 1366 2 1-3 years 3303 3 3-5 years 1211 4 Longer than 5 years 808 5 Don?t remember 58 Sysmiss 5734 L2a. Groups statement - Lend money out to members when they need the money 6747 5733 1 Yes 6481 2 No 260 3 Don't know 6 Sysmiss 5733 L2b. Groups statement - Lend out money to non-members when they want to borrow 6746 5734 1 Yes 712 2 No 6010 3 Don't know 24 Sysmiss 5734 L2c. Groups statement - Give collected money to one member every month 6745 5735 1 Yes 3165 2 No 3568 3 Don't know 12 Sysmiss 5735 L2d. Groups statement - Keep the collected money for members and members can withdraw this money when they need it 6740 5740 1 Yes 3495 2 No 3231 3 Don't know 14 Sysmiss 5740 L2e. Groups statement - Keep the collected money for members and give to members after a certain period of time 6738 5742 1 Yes 5664 2 No 1059 3 Don't know 15 Sysmiss 5742 L2f. Groups statement - Buy assets as a group 6745 5735 1 Yes 4541 2 No 2156 3 Don't know 48 Sysmiss 5735 L2g. Groups statement - Buy assets for individual memb ers 6737 5743 1 Yes 679 2 No 6001 3 Don't know 57 Sysmiss 5743 L2h. Groups statement - Raise or save money for funerals for group members 6744 5736 1 Yes 3099 2 No 3528 3 Don't know 117 Sysmiss 5736 6740 5740 1 Yes 2775 2 No 3905 3 Don't know 60 Sysmiss 5740 L2j. Groups statement - Act as guarantor when members want to borrow money somewhere else 6744 5736 1 Yes 1018 2 No 5542 3 Don't know 184 Sysmiss 5736 L3a. Main reason for belonging to a group/club 6744 5736 1 Inherited the position from parents 35 2 It is compulsory for people in tribe or village 37 3 To socialise or meet friends 526 4 They give financial advice 681 5 Can turn to them when in financial need 2191 6 Can get money easily when needed 1056 7 I trust and know them 350 8 To borrow money 633 9 To save money 1231 10 Other (Specify) 4 Sysmiss 5736 L3b1. Groups statement - There's more discipline in saving with a group than any other way 6743 5737 1 Agree 6380 2 Disagree 302 3 Don?t know 61 Sysmiss 5737 L3b2. Groups statement - I trust how it works and it is easy to get loan 6743 5737 1 Agree 6429 2 Disagree 292 3 Don?t know 22 Sysmiss 5737 6746 5734 1 Agree 5840 2 Disagree 794 3 Don?t know 112 Sysmiss 5734 L4a. Are you a member of any other group or organisation? 12472 8 1 Yes 2199 2 No 10273 Sysmiss 8 L4b1. Type of group/organisation belonging to - Business organisation 97 12383 1 Yes 97 Sysmiss 12383 L4b2. Type of group/organisation belonging to - Farmer's association 447 12033 2 Yes 447 Sysmiss 12033 L4b3. Type of group/organisation belonging to - Market/traders association 38 12442 3 Yes 38 Sysmiss 12442 L4b4. Type of group/organisation belonging to - Fisher’s association 50 12430 4 Yes 50 Sysmiss 12430 L4b5. Type of group/organisation belonging to - Cooperative 466 12014 5 Yes 466 Sysmiss 12014 L4b6. Type of group/organisation belonging to - Church / religious group 164 12316 6 Yes 164 Sysmiss 12316 L4b7. Type of group/organisation belonging to - Women’s / men’s group 855 11625 7 Yes 855 Sysmiss 11625 L4b8. Type of group/organisation belonging to - Other 299 12181 8 Yes 299 Sysmiss 12181 M1. Statements best describing households situation on farming 12479 1 1 Your household is only involved in farming and no-one in the 6911 2 Your household is involved in farming AND other work 3870 3 Your household is NOT involved in farming at all 1698 Sysmiss 1 M2.01. Household farming activities - Cattle 4408 8072 1 Yes 4408 Sysmiss 8072 M2.02. Household farming activities - Goats, sheep, pigs, etc. 5379 7101 2 Yes 5379 Sysmiss 7101 M2.03. Household farming activities - Other livestock such as chickens, rabbits, etc. 2505 9975 3 Yes 2505 Sysmiss 9975 M2.04. Household farming activities - Cash crops – tea, coffee, pyrethrum 1012 11468 4 Yes 1012 Sysmiss 11468 M2.05. Household farming activities - Fruit – such as bananas, pineapple, avocado, pepper, papaya, passion fruit 2829 9651 5 Yes 2829 Sysmiss 9651 2792 9688 6 Yes 2792 Sysmiss 9688 M2.07. Household farming activities - Staples such as grains– e.g. plantains, rice, sorghum, maize, barley, wheat 7978 4502 7 Yes 7977 8 1 Sysmiss 4502 M2.08. Household farming activities - Roots such as sweet potatoes, cassava, Irish potatoes 9156 3324 8 Yes 9156 Sysmiss 3324 M2.09. Household farming activities - Beans, peas, ground nuts 9987 2493 9 Yes 9987 Sysmiss 2493 M2.10. Household farming activities - Banana 4285 8195 10 Yes 4285 Sysmiss 8195 M2.11. Household farming activities - Other 19 12461 11 Yes 19 Sysmiss 12461 M3a. Livestock statement - The household will never sell your livestock 7551 4929 1 Agree 1280 2 Disagree 6178 3 Don?t know 93 Sysmiss 4929 M3b. Livestock statement - The household will use your livestock as security when you need to borrow money 7552 4928 1 Agree 3086 2 Disagree 4245 3 Don?t know 221 Sysmiss 4928 M3c. Livestock statement - The household regards your livestock as a form of savings 7550 4930 1 Agree 7239 2 Disagree 276 3 Don?t know 35 Sysmiss 4930 M3d. Livestock statement - The household will sell some of your livestock to get cash when you need cash 7548 4932 1 Agree 6921 2 Disagree 557 3 Don?t know 70 Sysmiss 4932 M4. Does this household farm mostly for consumption or selling? 10622 1858 1 Consumption 9731 2 Selling 882 3 Don?t know 9 Sysmiss 1858 M5. Source of money to finance farming activities 10757 1723 1 4137 2 Use money from other sources of income 1214 3 Use savings 1494 4 Sell crops/livestock/other produce to get money 2245 5 Get money in advance from buyer to whom we sell our crop/liv 390 6 Get from a supplier or distributor and pay later 417 7 Loan from a bank 4 8 Loan from an Umurenge SACCO 14 9 Loan from a non-Umurenge SACCO or a MFI 4 10 Loan from a farmers association 25 11 Borrow from a community/savings group where we save and lend 177 12 Borrow from a money lender in the community 8 13 121 14 Don?t buy inputs - get inputs in exchange for goods or labou 259 15 Other (Specify) 130 16 Don?t know 118 Sysmiss 1723 N2A.01. Salary/wages from Government institution 344 12136 1 Yes 344 Sysmiss 12136 N2A.02. Salary/wages from a private business/company 332 12148 2 Yes 332 Sysmiss 12148 N2A.03. Salary/wages from a farmer 1187 11293 3 Yes 1187 Sysmiss 11293 N2A.04. Salary/wages from an individual 522 11958 4 Yes 522 Sysmiss 11958 N2A.05. Self-employed (have own business) 1236 11244 5 Yes 1236 Sysmiss 11244 N2A.06. Money from farming (crops and/or livestock; by-products from livestock) 6368 6112 6 Yes 6368 Sysmiss 6112 N2A.07. Money from fishing 30 12450 7 Yes 30 Sysmiss 12450 N2A.08. Rental income 171 12309 8 Yes 171 Sysmiss 12309 N2A.09. Private pension 984 11496 9 Yes 984 Sysmiss 11496 N2A.10. Government pension 38 12442 10 Yes 38 Sysmiss 12442 N2A.11. Government/state grant/VUP grant/ VUP cash transfer 203 12277 11 Yes 203 Sysmiss 12277 N2A.12. Gifts 24 12456 12 Yes 24 Sysmiss 12456 N2A.13. Remittances (money from friends/family) 497 11983 13 Yes 497 Sysmiss 11983 N2A.14. Sell something I collect from nature 974 11506 14 Yes 974 Sysmiss 11506 N2A.15. Household member pays my expenses (skip to N2f) 192 12288 15 Yes 192 Sysmiss 12288 N2A.16. Piece work 4751 7729 16 Yes 4751 Sysmiss 7729 N2A.17. VUP public works 77 12403 17 Yes 77 Sysmiss 12403 N2A.18. Make goods to sell 151 12329 18 Yes 151 Sysmiss 12329 N2A.19. Sell something I grow 1854 10626 19 Yes 1854 Sysmiss 10626 N2A.20. Sell something I collect from nature (thatch/wood/charcoal) 104 12376 20 Yes 104 Sysmiss 12376 N2A.21. Other 78 12402 21 Yes 78 Sysmiss 12402 N2b. How often do you receive money? 12479 1 1 Daily 1421 2 Weekly 935 3 Fortnightly 198 4 Monthly 1776 5 Annually 3241 6 Quarterly 318 7 Occasionally 2558 8 Upon completion of job 2002 9 Other (Specify) 30 Sysmiss 1 N2.C1. Method of receiving money - Cash in hand 11863 617 1 Yes 11863 Sysmiss 617 N2.C2. Method of receiving money - Cheque 43 12437 2 Yes 43 Sysmiss 12437 N2.C3. Method of receiving money - Into bank account 713 11767 3 Yes 713 Sysmiss 11767 N2.C4. Method of receiving money - Western Union 17 12463 4 Yes 17 Sysmiss 12463 N2.C5. Method of receiving money - Mobile money 301 12179 5 Yes 301 Sysmiss 12179 N2.C6. Method of receiving money - Other 23 12457 6 Yes 23 Sysmiss 12457 N2d. Main source of income 12411 69 1 Salary/wages from Government institution 177 2 Salary/wages from a private business/company 227 3 Salary/wages from a farmer 846 4 Salary/wages from an individual 317 5 Self-employed (have own business) 804 6 Money from farming (crops and/or livestock; by-products from 4530 7 Money from fishing 19 8 Rental income 93 9 Private pension 244 10 Government pension 16 11 Government/state grant/VUP grant/ VUP cash transfer 127 12 indezo 11 13 Remittances (money from friends/family) 222 14 Get money from household member 658 15 Household member pays my expenses 76 16 Piece work 2917 17 VUP public works 32 18 Make goods to sell 56 19 Sell something I grow 930 20 Sell something I collect from nature (thatch/wood/charcoal) 49 21 Other (Specify) 60 Sysmiss 69 N2e. Working status (salaried) 1897 10583 1 Full time 519 2 Part time 1378 Sysmiss 10583 N2f.1. Spouse 349 12131 1 Yes 349 Sysmiss 12131 N2f.2. Parent 380 12100 2 Yes 380 Sysmiss 12100 N2f.3. Child 223 12257 3 Yes 223 Sysmiss 12257 N2f.4. Other relative 202 12278 4 Yes 202 Sysmiss 12278 N2f.5. Other 9 12471 5 Yes 8 7 1 Sysmiss 12471 N2g.01. Agriculture, forestry and fishing 1121 11359 1 Yes 1121 Sysmiss 11359 N2g.02. Mining and quarrying 24 12456 2 Yes 24 Sysmiss 12456 N2g.03. Manufacturing 13 12467 3 Yes 13 Sysmiss 12467 N2g.04. Electricity, gas, steam and air conditioning supply 7 12473 4 Yes 7 Sysmiss 12473 N2g.05. Water supply; sewerage, waste management and remediation activities 33 12447 4 Yes 0 5 33 Sysmiss 12447 N2g.06. Construction 62 12418 6 Yego 62 Sysmiss 12418 N2g.07. Wholesale and retail trade; repair of motor vehicles and motorcycles 606 11874 7 Yes 606 Sysmiss 11874 N2g.08. Transportation and storage 44 12436 8 Yes 44 Sysmiss 12436 N2g.09. Accommodation and food service activities 13 12467 9 Yes 13 Sysmiss 12467 N2g.10. Information and communication 0 12480 10 Yes 0 Sysmiss 12480 N2g.11. Financial and insurance activities 1 12479 11 Yes 1 Sysmiss 12479 N2g.12. Real estate activities 3 12477 12 Yes 3 Sysmiss 12477 N2g.13. Professional, scientific and technical activities 5 12475 13 Yes 5 Sysmiss 12475 N2g.14. Administrative and support service activities 4 12476 14 Yes 4 Sysmiss 12476 N2g.15. Education 9 12471 15 Yes 9 Sysmiss 12471 N2g.16. Human health and social work activities 16 12464 16 Yes 16 Sysmiss 12464 N2g.17. Arts, entertainment and recreation 59 12421 17 Yes 59 Sysmiss 12421 N2g.18. Other service activities 176 12304 18 Yes 176 Sysmiss 12304 N2h. In total, how many people, if any, do you employ in your business 2067 10413 0 1463 1 241 2 165 3 64 4 16 5 30 6 10 7 4 8 3 10 17 12 1 13 1 15 1 20 5 26 1 30 2 49 1 50 1 99 41 Sysmiss 10413 N2i1. Have 'Finance' Challenges facing busines 3914 8566 1 Yes 461 2 No 3453 Sysmiss 8566 N2i1.1. Finance challenges - Sourcing money 264 12216 1 Yes 264 Sysmiss 12216 N2i1.2. Finance challenges - Opening a bank account 11 12469 2 Yes 11 Sysmiss 12469 N2i1.3. Finance challenges - Banks didn’t want to help 11 12469 3 Yes 11 Sysmiss 12469 N2i1.4. Finance challenges - Cash flow 171 12309 4 Yes 171 Sysmiss 12309 N2i1.5. Finance challenges - Being owed money / debtors 118 12362 5 Yes 118 Sysmiss 12362 N2i1.6. Finance challenges - Financial records 6 12474 6 Yes 6 Sysmiss 12474 N2i2. Have 'Legal' Challenges facing busines 3915 8565 1 Yes 97 2 No 3818 Sysmiss 8565 N2i2.1. Legal challenges - Registering the business 13 12467 1 Yes 13 Sysmiss 12467 N2i2.2. Legal challenges - Laws and regulations 35 12445 2 Yes 35 Sysmiss 12445 N2i2.3. Legal challenges - Tax compliance 59 12421 3 Yes 59 Sysmiss 12421 N2i2.4. Legal challenges - License and construction permit 4 12476 4 Yes 4 Sysmiss 12476 N2i3. Have 'Sales & Marketing' Challenges facing busines 3917 8563 1 Yes 211 2 No 3706 Sysmiss 8563 N2i3.1. Sales & Marketing challenges - What product / service to sell 16 12464 1 Yes 16 Sysmiss 12464 N2i3.2. Sales & Marketing challenges - Who to sell to – i.e. who the customers will be 34 12446 2 Yes 34 Sysmiss 12446 N2i3.3. Sales & Marketing challenges - Raising awareness of products / 22 12458 3 Yes 22 Sysmiss 12458 N2i3.4. Sales & Marketing challenges - Too many competitors 58 12422 4 Yes 58 Sysmiss 12422 N2i3.5. Sales & Marketing challenges - Not enough customers 120 12360 5 Yes 120 Sysmiss 12360 N2i3.6. Sales & Marketing challenges - Problems with stock / goods sold 5 12475 6 Yes 5 Sysmiss 12475 N2i3.7. Sales & Marketing challenges - Selling price lower than expected 79 12401 7 Yes 79 Sysmiss 12401 N2i4. Have 'Skillls and staff' Challenges facing busines 3914 8566 1 Yes 58 2 No 3856 Sysmiss 8566 N2i4.1. Skills and staff challenges - Finding the right staff 16 12464 1 Yes 16 Sysmiss 12464 N2i4.2. Skills and staff challenges - Problems with staff 12 12468 2 Yes 12 Sysmiss 12468 N2i4.3. Skills and staff challenges - Own lack of skills / experience 38 12442 3 Yes 38 Sysmiss 12442 N2i4.4. Skills and staff challenges - Writing a business plan 5 12475 4 Yes 5 Sysmiss 12475 N2i5. Have 'Resources' Challenges facing busines 3912 8568 1 Yes 270 2 No 3642 Sysmiss 8568 N2i5.1. Resources challenges - Finding business premises or space 116 12364 1 Yes 116 Sysmiss 12364 N2i5.2. Resources challenges - Connecting water services 22 12458 2 Yes 22 Sysmiss 12458 N2i5.3. Resources challenges - No appropriate storage facilities 45 12435 3 Yes 45 Sysmiss 12435 N2i5.4. Resources challenges - Connecting electricity 54 12426 4 Yes 54 Sysmiss 12426 N2i5.5. Resources challenges - Transport e.g. moving stock 42 12438 5 Yes 42 Sysmiss 12438 N2i5.6. Resources challenges - Equipment 131 12349 6 Yes 131 Sysmiss 12349 N2i6. Have 'Other' Challenges facing busines 3908 8572 1 Yes 19 2 No 3889 Sysmiss 8572 N2i6.1. Other challenges - Crime / theft by staff 3 12477 1 Yes 3 Sysmiss 12477 N2i6.2. Other challenges - Crime / theft by others 11 12469 2 Yes 11 Sysmiss 12469 N2i6.3. Other challenges - Other 8 12472 3 Yes 8 Sysmiss 12472 N2i6.4. Other challenges - No problem 5 12475 4 Yes 5 Sysmiss 12475 N3a. Do you have money of your own that you can do with as you wish 12473 7 1 Yes 6513 2 No 5910 3 Refused 50 Sysmiss 7 N3b.1. Reasons for not having money to use as you wish - Money goes into household expenses 4548 7932 1 Yes 4548 Sysmiss 7932 N3b2. Reasons for not having money to use as you wish - Have to give my money to household member/family member 512 11968 2 Yes 512 Sysmiss 11968 N3b3. Reasons for not having money to use as you wish - Don’t have an income 1434 11046 3 Yes 1434 Sysmiss 11046 N3b4. Reasons for not having money to use as you wish - Other 35 12445 1 1 4 Yes 34 Sysmiss 12445 N4. Income - Would it be easier for you to give me an estimate of this for a month or for a year 11046 1434 1 Month 6734 2 Year 2413 3 Don?t know the amount for either 1499 4 Refused 73 5 No money 327 Sysmiss 1434 N4a. Income - Monthly personal income 6740 5740 1 1,500 Rwf or less 332 2 628 3 982 4 604 5 838 6 678 7 591 8 310 9 329 10 266 11 291 12 50,001-100,000 Rwf 364 13 More than 100, 000 Rwf 378 14 Irregular/seasonal 149 Sysmiss 5740 N4b. Income - Annual perosnal income 2454 10026 1 12,000 Rwf or less 213 2 105 3 51 4 154 5 239 6 230 7 285 8 50,001-80,000 Rwf 344 9 80,001-100,000 Rwf 266 10 100,001-150,000 Rwf 208 11 150,001-200,000 Rwf 120 12 200,001-250,000 Rwf 66 13 250,001-300,000 Rwf 68 14 More than 300,000 Rwf 105 Sysmiss 10026 N5a. Coping strategy for big events - Wedding 12470 10 1 Using savings that I put aside for this purpose 2478 2 General savings 1930 3 Rely of family & friends to help cover costs 3884 4 Rely on community to help cover costs 272 5 Sell something to cover the cost 1160 6 Have a policy that will cover it 3 7 Borrow from bank 40 8 Borrow from a SACCO/MFI 84 9 Borrow from money lender in community 27 10 Borrow from family/friend 301 11 Other 46 12 Don?t know/Haven?t thought about it 2245 Sysmiss 10 N5b. Coping strategy for big events - Funeral 12463 17 1 Using savings that I put aside for this purpose 575 2 General savings 1906 3 Rely of family & friends to help cover costs 5071 4 Rely on community to help cover costs 1089 5 Sell something to cover the cost 1275 6 Have a policy that will cover it 592 7 Borrow from bank 7 8 Borrow from a SACCO/MFI 29 9 Borrow from money lender in community 42 10 Borrow from family/friend 695 11 Other 39 12 Don?t know/Haven?t thought about it 1143 Sysmiss 17 N5c. Coping strategy for big events - Medical emergency 12444 36 1 Using savings that I put aside for this purpose 791 2 General savings 3562 3 Rely of family & friends to help cover costs 720 4 Rely on community to help cover costs 116 5 Sell something to cover the cost 1397 6 Have a policy that will cover it 3416 7 Borrow from bank 4 8 Borrow from a SACCO/MFI 30 9 Borrow from money lender in community 112 10 Borrow from family/friend 1893 11 Other 98 12 Don?t know/Haven?t thought about it 305 Sysmiss 36 N5d. Coping strategy for big events - Children’s education 12448 32 1 Using savings that I put aside for this purpose 1748 2 General savings 4081 3 Rely of family & friends to help cover costs 276 4 Rely on community to help cover costs 31 5 Sell something to cover the cost 1344 6 Have a policy that will cover it 86 7 Borrow from bank 30 8 Borrow from a SACCO/MFI 52 9 Borrow from money lender in community 36 10 Borrow from family/friend 459 11 Other 192 12 Don?t know/Haven?t thought about it 4113 Sysmiss 32 482 11998 1 482 Sysmiss 11998 18 years and older 11998 482 2 11998 Sysmiss 482 31 to 35 years 12480 0 1 Yes 1889 2 No 10591 Banked population 2858 9622 1 Yes 2858 2 No 0 Sysmiss 9622 Other formal (non-bank) 7809 4671 2 Yes 7809 Sysmiss 4671 7849 4631 3 7849 Sysmiss 4631 Access Strand 12480 0 1 Banked 2858 2 Other formal (non-bank) 5281 3 Informal only 2424 99 Excluded 1917 10198 2282 3 10198 Sysmiss 2282 Access Strand 12480 0 1 Banked 2858 2 Other formal (non-bank) 5281 3 Informal only 3308 99 Excluded 1033 12480 0 1 Banked 2858 2 Other formal (non-bank) 5281 3 Informal only 2424 99 Excluded 1917 12480 0 1 Banked only 149 2 Bank & other formal (non-bank) 994 3 All mechanism 1534 4 Banked & informal 181 5 Other formal (non-bank) & informal 3710 6 Other formal (non-bank) only 1571 7 Informal only 2424 99 Excluded 1917 420 12060 1 420 Sysmiss 12060 12479 1 0 6815 1 5664 Sysmiss 1 Age category 12480 0 1 16 - 17 years 482 2 18 - 30 years 3891 3 31 - 40 years 3263 4 41 - 50 years 1901 5 51 - 60 years 1405 6 Older than 60 years 1538 Level of education 12453 27 1 No formal education 2979 2 Primary education 6947 3 Secondary education 2142 4 Vocationnal education 142 5 Tertiary 243 Sysmiss 27 Business size (number of employees) 2067 10413 0 No employees 1463 1 Micro 516 2 Small and medium 88 Sysmiss 10413 Size and scope of busines owner (number of employees) revised 2067 10413 0 No employees 1463 1 Micro 470 2 Small 91 3 Medium 43 Sysmiss 10413 882 11598 1 882 Sysmiss 11598 8996 3484 3 8996 Sysmiss 3484 10636 1844 1 10636 Sysmiss 1844 Access strand with revised informal 12480 0 1 Banked 2858 2 Other formal (non-bank) 5281 3 Informal only 2783 99 Excluded 1558 Overlaps with revised informal 12480 0 1 Banked only 127 2 Bank & other formal (non-bank) 688 3 All mechanism 1840 4 Banked & informal 203 5 Other formal (non-bank) & informal 4170 6 Other formal (non-bank) only 1111 7 Informal only 2783 99 Excluded 1558 420 12060 1 420 Sysmiss 12060 138 12342 1 138 Sysmiss 12342 1452 11028 1 1452 Sysmiss 11028 2669 9811 1 2669 Sysmiss 9811 1473 11007 2 1473 Sysmiss 11007 928 11552 2 928 Sysmiss 11552 4637 7843 2 4637 Sysmiss 7843 5267 7213 2 5267 Sysmiss 7213 643 11837 1 643 Sysmiss 11837 5546 6934 1 5546 Sysmiss 6934 4200 8280 1 4200 Sysmiss 8280 5281 7199 2 Yes 5281 Sysmiss 7199 12480 0 1 M-money only 2628 2 M-money & SACCO 1853 3 M-money & Other (MFI/Insuarance) 620 4 M-money; SACCO & & Other (MFI/Insuarance) 445 5 SACCO & & Other (MFI/Insuarance) 98 6 SACCO only 1804 7 Other (MFI/Insuarance) only 230 88 Non othe formal only 4802 524 11956 1 524 Sysmiss 11956 1598 10882 1 1598 Sysmiss 10882 1299 11181 22 No claim - income into bank account 346 33 No claim - cheque (income) 18 44 No claim - have remitance & transaction 27 55 No claim - have credit & transaction 2 66 No claim - have savings & Transaction 5 77 Claimed but no banking products 39 88 No claim - have any type of transactional 804 99 No claim - savings only 28 100 No claim - credit only 3 101 No claim - remittances only 27 Sysmiss 11181 income and transactional 1150 11330 1 income into bank account 346 2 Any type of transactional 804 Sysmiss 11330 1589 10891 1 1349 2 231 3 9 Sysmiss 10891 1598 10882 1 136 2 543 3 501 4 221 5 112 6 38 7 25 8 14 9 4 10 1 11 2 12 1 Sysmiss 10882 1913 10567 1 1913 Sysmiss 10567 668 11812 1 668 Sysmiss 11812