Namibia Statistics Agency
2018
Nesstar Publisher
NAM_NSA_2017_NFIS_VOL4
Namibia Financial Inclusion Survey
2017
NFIS
English
NAM_NSA_2017_NFIS V4
Namibia Statistics Agency
FinMark Trust
Namibia Statistics Agency
Nesstar Publisher
Bank of Namibia
World Bank group
Namibia Statistics Agency
Namibia Statistics Agency
Socio-Economic/Monitoring Survey [hh/sems]
The 2017 Namibia Financial Inclusion Survey (NFIS) was the fourth of its kind to be conducted in Namibia, however, the first for the Namibia Statistics agency (NSA). The first three financial inclusion surveys were conducted in 2004, 2007 and 2011 respectively, through the Finscope survey of FinMark Trust, an independent trust based in South Africa. The decision to have the survey conducted by the NSA resulted from several engagements between the NSA, Bank of Namibia (BON) and FinMark Trust. The localization of the survey was necessitated by the need to ensure sustainable conduct of the survey, funded by government and conducted by the agency that has the mandate to collect national data for policy making and development planning purposes in Namibia.
Financial capability
Financial Literacy
Bank penetration
Financial Access
Financial inclusion/exclusion
Household information and demographics
Farming
Income and Expenditure
Access to infrastructure
Informal products
Bank penetration
Risk and risk Mitigation
Borrowing
Financial capability
Saving
Remittances
Namibia
Individuals, households
Sample survey data [ssd]
Namibia Statistics Agency
Face-to-face [f2f]
The data processing methodology that was adopted for this study was the Computer Assisted Personal Interview method (CAPI). Data management tools to collect, transmit and store and clean (primary editing and recoding) survey data were designed and developed using surveyto Go computer system.
The most common measure of quality of the survey estimates reported from the sample surveys was the level of precision of the estimates. The quality indicators are meant to ascertain the analysis about the level of precision of the estimates at different domains. The statistical precision of the survey estimates were expressed using different types of statistics such as Standard errors (SE), the coefficient of variation (CV) and the Confidence Interval (CI). These statistics were used to indicate the level of precision of the survey estimates in estimating the population parameters of interest. There are a number of factors that can affect the precision of the survey estimates namely the size of the sample relative to the population size, the sample design and the variability of the characteristics of interest in the population. The data quality indicators were discussed in details in the following sub-section.
The Namibia Financial Inclusion Survey (NFIS) 2017 was conducted by the Namibia Statistics Agency (NSA) in collaboration with the Bank of Namibia, FinMark Trust of South Africa, under the provisions of the Statistics Act, 2011 (Act No. 9 of 2011). It is by the virtue of this Act that all information collected that could be linked to individual or households was, and will be kept strictly confidential.
Namibia Statistics Agency
Namibia Statistics Agency,2017. Namibia Financial Inclusion Survey 2017 Report. Windhoek
2017 NFIS MAIN DATASET.NSDstat
1863
1072
Nesstar 200801
Namibia Statistics Agency
1863
0
1
1863
932
537.946
1863
0
1
1867
934.258
538.436
Region
1863
0
1
!Karas
86
2
Erongo
161
3
Hardap
94
4
Kavango West
67
5
Kavango East
106
6
Khomas
306
7
Kunene
71
8
Ohangwena
177
9
Omaheke
66
10
Omusati
192
11
Oshana
147
12
Oshikoto
164
13
Otjozondjupa
134
14
Zambezi
92
Urban/Rural
1863
0
1
Urban
876
2
Rural
987
Q6. Number of people part of household
Q6 How many people are part of this household? Remember when I say household, I mean one or more persons, related or unrelated, who live together in the same house/homestead/compound, but not necessarily in the same dwelling unit, with common catering arrangements, and are answerable to the same head of household. It is important to remember that members who belong to the same household need not necessarily be related in blood or marriage.
1863
0
1
29
4.147
3.014
Q6.How many people are part of this household? Remember when I say household, I mean one or more persons, related or unrelated, who live together in the same house/homestead/compound, but not necessarily in the same dwelling unit, with common catering arrangements, and are answerable to the same head of household. It is important to remember that members who belong to the same household need not necessarily be related in blood or marriage.
Q7. Number of HH eligible members (16 years and older)
Q6.1 Of the people you mentioned above, how many are at least 16 years old, will be available for the duration of this survey, and are mentally/physically capable to be interviewed?
1863
0
1
816
2
563
3
261
4
110
5
58
6
20
7
22
8
5
9
4
10
2
11
1
13
1
Q9. Do you consider yourself as the head of the household?
Q9. Do you consider yourself as the head of the household?
1863
0
1
Yes
1287
2
No
576
Q10. Age of head of household
Q10 How old is the head of the household [Age at last birthday]?
576
1287
18
1
19
1
20
1
21
1
23
3
24
3
25
4
26
6
27
7
28
10
29
6
30
9
31
11
32
7
33
6
34
15
35
13
36
18
37
6
38
13
39
16
40
21
41
17
42
12
43
6
44
18
45
16
46
15
47
10
48
11
49
15
50
13
51
7
52
18
53
7
54
12
55
13
56
9
57
8
58
7
59
10
60
10
61
8
62
4
63
10
64
4
65
10
66
10
67
6
68
2
69
6
70
10
71
5
72
8
73
3
74
1
75
1
76
2
77
8
78
1
79
2
80
5
81
4
82
2
83
1
84
4
85
3
86
2
87
3
88
1
89
2
90
3
91
2
92
2
93
4
95
1
96
1
97
1
98
3
100
1
999
Do not know
18
Sysmiss
1287
Q11. Gender of head of household
Q11.[OBSERVE] Is the head of the household male or female?
576
1287
1
Male
325
2
Female
251
Sysmiss
1287
Q12. Marital status of head of household
Q12 Please tell me what the marital status is of the head of the household?
577
1286
1
Never married
190
2
Married with a certificate
202
3
Married traditionally
57
4
Married consensually
50
5
Separated
5
6
Divorced
6
7
Widowed
62
8
Do not know
5
Sysmiss
1286
Q14. What is your relationship to the head of the household?
Q14 What is your relationship to the head of the household?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
577
1286
1
Spouse/partner
158
2
Daughter/son
111
3
Daughter/Son-in-law
14
4
Grandchild
51
5
Parent
58
6
Parent-in-law
6
7
Sister/Brother
53
8
Sister/Brother-in-law
4
9
Other relative
75
10
Domestic worker
23
11
Other non-relative
24
Sysmiss
1286
Q15. Age of respondent
Q15 How old are you?
1863
0
16
99
38.757
16.339
Q16. Gender of respondent
Q16 [DO NOT ASK, MARK WHETHER RESPONDENT IS MALE OR FEMALE.]
1863
0
1
Male
805
2
Female
1058
Q17. Marital status of respondent
Q17 Please tell me what is your marital status ?
[SEE CODE LIST 2. DO NOT READ OUT. PROBE TYPE OF MARRIAGE IF MARRIED.]
1863
0
1
Never married
1084
2
Married with a certificate
333
3
Married traditionally
126
4
Married consensually
157
5
Separated
28
6
Divorced
34
7
Widowed
101
8
Do not know
0
Q18. Level of education achieved by respondent
Q18 What is your highest grade/standard or level of education?
1863
0
1
Kindergarten/Day-care
1
2
Adult Literacy Programme
14
3
Primary education
453
4
Secondary education
998
5
Technical/Vocational education
24
6
Tertiary education
154
7
Other
5
8
Do not know
11
9
Never attended school
203
Q18.1. Primary education
454
1409
1
Pre-Primary
2
2
Currently in Grade 1
0
3
Grade 1
27
4
Grade 2
39
5
Grade 3
50
6
Grade 4
64
7
Grade 5
65
8
Grade 6
93
9
Grade 7
114
Sysmiss
1409
Q18.2. Secondary education
999
864
1
Grade 8
158
2
Grade 9
189
3
Grade 10
320
4
Grade 11
45
5
Grade 12
287
6
Grade 13
0
Sysmiss
864
Q18.3. Technical/Vocational education
24
1839
1
Technical / Pre-Vocational (Secondary)
10
2
Technical / Vocational (Post-secondary)
14
Sysmiss
1839
Q18.4. Tertiary education
154
1709
1
Pre-graduate
23
2
Graduate
131
Sysmiss
1709
Q19. Who is responsible for your household's financial decisions?
Q19 In different households, different people make the decisions about finances. Please tell me who is responsible for your household's financial decisions. By this I mean decisions about the purchasing of goods and services for the household and how and where to save and spend money for the household. Which of the following describes your situation best?
[READ OUT. SINGLE MENTION ONLY.]
1863
0
1
Make financial decisions alone
833
2
Make financial decisions together with partner/spouse
458
3
Your partner alone make financial decisions
34
4
Other household members and you make decisions
333
5
Not involved in any of the financial decisions made in this
205
Q20. How would you describe your general state of health?
Q20 How would you describe your general state of health? Is it...
[READ OUT. SINGLE MENTION ONLY.]
1863
0
1
Satisfactory; do not often need treatment or medical attention
1484
2
Not satisfactory; often need treatment or medical attention
379
Q21. Source of treatment for illness
Q21 When you are ill, where do you mostly get treatment?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1863
0
1
I do not get treatment
33
2
Public hospital or clinic
1582
3
Private doctor
182
4
Private hospital
60
5
Traditional healer
0
6
Friend or family member
0
7
Church or other religious place
1
98
Other
5
Q22.1a Frequency of occurrence over the past year: Had to skip a meal because yo
1863
0
1
Never
824
2
Sometimes
814
3
Often
163
4
Always
62
99
Refused
0
Q22.2a_1 Source of financial support: Had to skip a meal because you didn't have
Q22.1 Thinking back over the past year, how often have you or your household Had to go without medical treatment/medicine because you did not have money for
[SEE CODE LIST 3. READ OUT. MULTIPLE MENTION POSSIBLE]
1862
1
1
No one
477
2
Family/Relative
927
3
Friend/Neighbour/Community
233
4
Employer
84
5
Community Based Organisation
2
6
Church
5
7
Financial institution like a bank
28
8
Government
14
9
Community leader
5
10
Savings club/Group/Okwiiumbila
3
11
Other groups you belong to
1
12
Money lender in the community/Cash loan lender
33
13
Farmers association
0
98
Other
50
Sysmiss
1
Q22.2a_2 Source of financial support: Had to skip a meal because you didn't have
Q22.1 Thinking back over the past year, how often have you or your household
214
1649
1
No one
0
2
Family/Relative
0
3
Friend/Neighbour/Community
155
4
Employer
15
5
Community Based Organisation
1
6
Church
1
7
Financial institution like a bank
6
8
Government
12
9
Community leader
1
10
Savings club/Group/Okwiiumbila
1
11
Other groups you belong to
1
12
Money lender in the community/Cash loan lender
9
13
Farmers association
0
98
Other
12
Sysmiss
1649
Q22.1b Frequency of occurrence over the past year: Had to go without medical tre
Q22.1 Thinking back over the past year, how often have you or your household
1863
0
1
Never
1018
2
Sometimes
664
3
Often
132
4
Always
49
99
Refused
0
Q22.2b_1 Source of financial support: Had to go without medical treatment/medici
1862
1
1
No one
518
2
Family/Relative
913
3
Friend/Neighbour/Community
215
4
Employer
77
5
Community Based Organisation
1
6
Church
5
7
Financial institution like a bank
24
8
Government
20
9
Community leader
2
10
Savings club/Group/Okwiiumbila
2
11
Other groups you belong to
1
12
Money lender in the community/Cash loan lender
22
13
Farmers association
0
98
Other
62
Sysmiss
1
Q22.2b_2 Source of financial support: Had to go without medical treatment/medici
220
1643
1
No one
0
2
Family/Relative
0
3
Friend/Neighbour/Community
177
4
Employer
17
5
Community Based Organisation
1
6
Church
2
7
Financial institution like a bank
3
8
Government
9
9
Community leader
0
10
Savings club/Group/Okwiiumbila
0
11
Other groups you belong to
1
12
Money lender in the community/Cash loan lender
3
13
Farmers association
0
98
Other
7
Sysmiss
1643
Q22.1c Frequency of occurrence over the past year: Not been able to send childre
1863
0
1
Never
1162
2
Sometimes
528
3
Often
104
4
Always
69
99
Refused
0
Q22.2c_1 Source of financial support: Not been able to send children to school b
1862
1
1
No one
618
2
Family/Relative
882
3
Friend/Neighbour/Community
143
4
Employer
68
5
Community Based Organisation
2
6
Church
5
7
Financial institution like a bank
25
8
Government
17
9
Community leader
1
10
Savings club/Group/Okwiiumbila
3
11
Other groups you belong to
1
12
Money lender in the community/Cash loan lender
34
13
Farmers association
0
98
Other
63
Sysmiss
1
Q22.2c_2 Source of financial support: Not been able to send children to school b
190
1673
1
No one
0
2
Family/Relative
1
3
Friend/Neighbour/Community
149
4
Employer
14
5
Community Based Organisation
0
6
Church
3
7
Financial institution like a bank
4
8
Government
11
9
Community leader
0
10
Savings club/Group/Okwiiumbila
2
11
Other groups you belong to
0
12
Money lender in the community/Cash loan lender
2
13
Farmers association
0
98
Other
4
Sysmiss
1673
Q22.1d Frequency of occurrence over the past year: Had to go without a cash inco
1863
0
1
Never
685
2
Sometimes
840
3
Often
248
4
Always
90
99
Refused
0
Q22.2d_1 Source of financial support: Had to go without a cash income and had to
1862
1
1
No one
488
2
Family/Relative
990
3
Friend/Neighbour/Community
186
4
Employer
78
5
Community Based Organisation
2
6
Church
4
7
Financial institution like a bank
28
8
Government
5
9
Community leader
1
10
Savings club/Group/Okwiiumbila
2
11
Other groups you belong to
1
12
Money lender in the community/Cash loan lender
37
13
Farmers association
0
98
Other
40
Sysmiss
1
Q22.2d_2 Source of financial support: Had to go without a cash income and had to
215
1648
1
No one
0
2
Family/Relative
0
3
Friend/Neighbour/Community
173
4
Employer
15
5
Community Based Organisation
1
6
Church
0
7
Financial institution like a bank
7
8
Government
3
9
Community leader
0
10
Savings club/Group/Okwiiumbila
2
11
Other groups you belong to
0
12
Money lender in the community/Cash loan lender
6
13
Farmers association
0
98
Other
8
Sysmiss
1648
Q23.1 Dwelling structure
Q23.1 What type of dwelling does your household occupy?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1862
1
1
Detached house
517
2
Semi-detached house/town
133
3
Apartment
53
4
Guest flat
51
5
Part commercial/industrial
4
6
Mobile home (Caravan/tent)
11
7
Single quarters
16
8
Traditional dwelling
620
9
Improvised housing unit
388
98
Other
69
Sysmiss
1
Q23.1 Dwelling structure - other specify
69
0
Boards
1
Cattle Post
1
Corrugated Iron hse
1
Corrugated iron
1
Corrugated iron hse
2
Flat
1
Room attached to the shebeen
1
Sharks
1
attached house
4
cardboard
1
corrugated iron
2
corrugated iron HSE
1
corrugated iron House
1
corrugated iron Hse
1
corrugated iron house
1
corrugated iron hse
23
corrugated iron zinc
1
hardboard housing
1
hostel block
2
plastic
2
shack
1
shacks
16
sharks
3
Q23.2 Main material used for the roof of the main dwelling
Q23.2 What is the main material used for the roof of the main dwelling?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1862
1
1
Corrugated iron
1436
2
Asbestos
67
3
Brick tiles
23
4
Slate
3
5
Wood
43
6
Thatch/Grass
232
7
Stick/Mud/Cow Dung
0
8
Stick/Mud/Cow Dung
38
98
Other
20
Sysmiss
1
Q23.3 Main material of the floor of the main dwelling
Q23.3 What is the main material of the floor of the main dwelling?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1862
1
1
Earth/Sand
509
2
Cement
800
3
Mud/Clay
179
4
Dung
21
5
Wood/Planks
51
6
Palm/bamboo
298
7
Parquet/polished wood
4
8
Vinyl/asphalt strips
0
9
Ceramic tiles
0
10
Carpet
0
98
Other
0
Sysmiss
1
Q23.4 Main material for the outer wall of the main dwelling
Q23.4 What is the main material for the outer walls of the main dwelling?
1862
1
1
Cement blocks/Bricks/Stones
733
2
Burnt bricks/ Face bricks
44
3
Corrugated iron/zinc
606
4
Wooden poles, sticks and grass
173
5
Sticks, mud, clay, and/or cow-dung
241
6
Asbestos
7
7
Brick tiles
15
8
Slate
1
9
Thatch, grass
8
10
None
2
98
Other
32
Sysmiss
1
Q24.1 Number of rooms in this dwelling, excluding the kitchen, bathroom(s) and g
Q24.1 How many rooms does this dwelling have, excluding the kitchen, bathroom(s) and garage?
1862
1
0
25
3.044
2.904
Q24.2 Number of rooms in this dwelling used for sleeping purposes
Q24.2 How many rooms in this dwelling including the kitchen, bathroom(s) and garage are used for sleeping purposes?
1862
1
0
25
2.884
2.521
Q24.3 Number of people that usually sleep in this dwelling
Q24.3 How many people usually sleep in this dwelling?
1862
1
1
29
3.789
2.749
Q25 Ownership/rent status of dwelling
Q25 Please tell me which of the following describes you or your household's situation the best:
[READ OUT.SINGLE MENTION ONLY.]
1862
1
1
You or a member of your household owns this dwelling
1286
2
You or a member of your household rents this dwelling
283
3
This dwelling is provided rent-free
278
4
Other
15
Sysmiss
1
Q26 Method of acquiring the dwelling
Q26 If you, or someone in your household OWNS this dwelling, how did you get this dwelling?
[READ OUT. SINGLE MENTION ONLY.]
1285
578
1
You or a member of your household bought this dwelling
235
2
You or a member of your household built this dwelling
863
3
You or a member of your household inherited this dwelling
150
4
Do not know
18
98
Other
19
Sysmiss
578
Q27 Means of financing ownership of the dwelling
Q27 If you BOUGHT or BUILT this dwelling, where did you get most of the money for buying or building this dwelling?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1098
765
1
No money needed, I used materials collected from nature
274
2
Pension pay-out
40
3
Savings
454
4
Inherited money
22
5
Loan from a bank
79
6
Loan from a financial institution which is not a bank
6
7
Government scheme
17
8
Borrowed from employer
6
9
Subsidy from employer
16
10
Borrowed from family/friends
15
11
Borrowed from informal money lender/cash loan lender
2
12
Borrowed from a savings club/group
2
13
Do not know
112
98
Other
53
Sysmiss
765
Q28 Do you owe money on the dwelling?
Q28 [IF HOUSEHOLD OWNS THE DWELLING, ASK:] Do you owe money on the dwelling?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1285
578
1
Yes
125
2
No
1104
3
Do not know
56
Sysmiss
578
Q29 Is proof of ownership of the dwelling held
Q.29 Do you have an official document (title deed issued by the Government) stating that you are the rightful owner of this dwelling?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1285
578
1
Yes
688
2
No
521
3
Do not know
76
Sysmiss
578
Q30 Do you own the land on which the dwelling is located?
Q30 [IF HOUSEHOLD OWNS THE DWELLING, ASK:] Do you own the land on which your dwelling is?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1285
578
1
Yes
693
2
No
546
3
Do not know
46
Sysmiss
578
Q31 What proof of ownership of the land is held?
Q31 [IF HOUSEHOLD OWNS THE LAND ON WHICH THE DWELLING IS; ASK:] What proof do you have that you own this land? Do you have a...
[READ OUT. SINGLE MENTION ONLY.]
693
1170
1
Title deed
205
2
Letter from a chief
244
3
Verbal agreement
143
4
Do not know
45
98
Other
56
Sysmiss
1170
Q32 Do you own other dwellings?
Q32 Do you own other dwellings?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1861
2
1
Yes
329
2
No
1487
3
Do not know
45
Sysmiss
2
Q33.1 Reason for ownership of other dwellings?
Q33 [IF YES TO Q32, ASK:] Why do you own other dwellings?
[DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
329
1534
1
For rental income
29
2
I bought it to sell it for a profit
2
3
For other family members to live in
239
4
To own as an asset that can be used as collateral
11
6
Do not know
9
98
Other
39
Sysmiss
1534
Q33.2 Reason for ownership of other dwellings?
Q34 Do you own land somewhere else?
11
1852
1
For rental income
0
2
I bought it to sell it for a profit
0
3
For other family members to live in
2
4
To own as an asset that can be used as collateral
5
98
Other
4
Sysmiss
1852
Q33.2 Reason for ownership of other dwellings? - Other (specify)
43
Bought it
1
Built on other Dweling at the village he works
1
Cause we needed a village house
1
FARMING purposes
1
Family home in the north
1
Filed for cultivating crops
1
For cultivating
1
For cultivation
1
For farm usage
1
His cattle post
1
I stay thr when I go to hoachanas
1
Informal settlement rent free
1
Investment
1
It where they used to live before moving in town
1
It's vacant at the moment
1
To cultivate
1
We Inherit it
1
am just here with work
1
because it's a necessity
1
cattle post
2
farm
2
for farming
1
for farming purposes
1
for me to stay when going to work
1
for vacations
1
for when we have to be in town nearer to the hospital and shops
1
for work
1
house lock
1
i use it when i go home where I come from
1
in his parents house
1
inherited from my father
1
inherited the dwelling
1
investment
1
it's just standing till we go down to Joes again
1
it's just their house
1
just my house
1
just renting for work
1
own home
1
staying the if I go down to hoachanas
1
that is my house where stay
1
to own it as my new house to stay
1
Q34 Do you own land somewhere else?
Q34 Do you own land somewhere else?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1861
2
1
Yes
265
2
No
1534
3
Do not know
62
Sysmiss
2
Q35 What proof of ownership of land elsewhere is held?
Q35 [IF YES TO Q34, ASK:] What proof do you have that you own this land? Do you have a...
[READ OUT. SINGLE MENTION ONLY.]
265
1598
1
Title deed
55
2
Letter from a chief
85
3
Verbal agreement
83
5
Do not know
26
98
Other
16
Sysmiss
1598
Q36a Do you agree with the statement: You will never move and will probably spen
[READ OUT.]
1861
2
1
Yes
928
2
No
699
3
Don't know
234
Sysmiss
2
Q36b Do you agree with the statement: Your dwelling is something to keep and nev
Q36 In your opinion, please tell me which of the following statements do you agree with?[b ]
1861
2
1
Yes
1189
2
No
476
3
Don't know
196
Sysmiss
2
Q36c Do you agree with the statement: If you needed a large sum of money you wou
Q36 In your opinion, please tell me which of the following statements do you agree with?[c]
1861
2
1
Yes
150
2
No
1527
3
Don't know
184
Sysmiss
2
Q36d Do you agree with the statement: You would sell your dwelling to buy a bigg
Q36 In your opinion, please tell me which of the following statements do you agree with?[d]
1861
2
1
Yes
246
2
No
1397
3
Don't know
218
Sysmiss
2
Q36e Do you agree with the statement:You would use your dwelling as security whe
Q36 In your opinion, please tell me which of the following statements do you agree with?[e]
1861
2
1
Yes
200
2
No
1442
3
Don't know
219
Sysmiss
2
Q36f Do you agree with the statement: You think of your dwelling as an investmen
Q36 In your opinion, please tell me which of the following statements do you agree with?[ f]
1861
2
1
Yes
703
2
No
890
3
Don't know
268
Sysmiss
2
Q36g Do you agree with the statement: Your dwelling is an asset to earn money e.
Q36 In your opinion, please tell me which of the following statements do you agree with? [g]
1861
2
1
Yes
344
2
No
1313
3
Don't know
204
Sysmiss
2
Q36h Do you agree with the statement: You have enlarged or plan to enlarge your
Q36 In your opinion, please tell me which of the following statements do you agree with? [h]
1861
2
1
Yes
963
2
No
679
3
Don't know
219
Sysmiss
2
Q37. Main source of drinking water
[READ OUT. SINGLE MENTION ONLY.]
1861
2
1
Piped (tap) water into dwelling
511
2
Piped (tap) water on site or in a yard/plot
621
3
Public tap/Standpipe
411
4
Tube well/Borehole - private
11
5
Tube well/Borehole - Communal
111
6
Dug well - Protected
31
7
Dug well - unprotected
77
8
Protected spring
0
9
Unprotected spring
6
10
Rainwater collection/Rainwater tank
4
11
Cart with small tank/drum
2
12
Tanker truck
20
13
Flowing surface water
1
14
River/Dam/Pool/Pond/Stagnant
32
15
Bottled water
23
Sysmiss
2
Q38.1 Household sanitation facilities
Q38.1 Which of the following applies to your household's sanitation facilities?
[READ OUT. SINGLE MENTION ONLY.]
1861
2
1
No facility/Bush/Field
868
2
Flush/Pour flush to piped sewer system
595
3
Flush/Pour flush to septic tank
63
4
Flush/Pour flush to pit latrine
45
5
Ventilated improved pit (VIP) latrine
92
6
Pit latrine with slab
49
7
Composting toilet
25
8
Flush/Pour flush not to sewer/septic tank/pit latrine
23
9
Pit latrine without slab/open pit
57
10
Bucket
10
11
Hanging toilet/Hanging latrine
2
12
Other
32
Sysmiss
2
Q38.2 Is household sanitation facility shared with other households - Flush/Pour
Q38.2. Please also tell me if this facility is shared with other households.
[ASK FOR STATEMENT SELECTED IN Q38.1
595
1268
1
Yes
290
2
No
305
Sysmiss
1268
Q38.2 Is household sanitation facility shared with other households - Flush/Pour
65
1798
1
Yes
33
2
No
32
Sysmiss
1798
Q38.2 Is household sanitation facility shared with other households - Flush/Pour
46
1817
1
Yes
27
2
No
19
Sysmiss
1817
Q38.2 Is household sanitation facility shared with other households - Ventilated
92
1771
1
Yes
38
2
No
54
Sysmiss
1771
Q38.2 Is household sanitation facility shared with other households - Pit latrin
49
1814
1
Yes
30
2
No
19
Sysmiss
1814
Q38.2 Is household sanitation facility shared with other households - Composting
25
1838
1
Yes
14
2
No
11
Sysmiss
1838
Q38.2 Is household sanitation facility shared with other households - Flush/Pour
23
1840
1
Yes
8
2
No
15
Sysmiss
1840
Q38.2 Is household sanitation facility shared with other households - Pit latrin
58
1805
1
Yes
22
2
No
36
Sysmiss
1805
Q38.2 Is household sanitation facility shared with other households - Bucket
10
1853
1
Yes
2
2
No
8
Sysmiss
1853
Q38.2 Is household sanitation facility shared with other households - Hanging to
2
1861
1
Yes
0
2
No
2
Sysmiss
1861
Q38.2 Is household sanitation facility shared with other households - Other (spe
32
1831
1
Yes
26
2
No
6
Sysmiss
1831
Q39 Main source of energy for cooking purposes
Q39 What is your main source of energy that your household uses for cooking?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1861
2
1
Electricity from mains
592
2
Electricity from generator
5
3
Gas
219
4
Paraffin
28
5
Firewood
1002
6
Charcoal
4
7
Coal
3
8
Solar energy
1
9
Animal dung
3
10
None
4
11
Other
0
Sysmiss
2
Q40.a Furniture
Q40 Please tell me which of the following do you, or your household, own or have access to. Please remember that the assets you list should be in working order.[A]
[READ OUT. SINGLE MENTION PER ITEM.]
1861
2
1
Own
1082
2
Have access to
128
3
Do not own/no access to
651
Sysmiss
2
Q40.b Livestock (cattle, goats, sheep, donkeys, pigs, chicken, game, etc.)
Q40 Please tell me which of the following do you, or your household, own or have access to. Please remember that the assets you list should be in working order.[B]
1861
2
1
Own
844
2
Have access to
215
3
Do not own/no access to
802
Sysmiss
2
Q40.c Farming implements (hand tools)
Q40 Please tell me which of the following do you, or your household, own or have access to. Please remember that the assets you list should be in working order.[C]
1861
2
1
Own
725
2
Have access to
283
3
Do not own/no access to
853
Sysmiss
2
Q40.d Farming machinery (e.g. tractor, harvester)
Q40 Please tell me which of the following do you, or your household, own or have access to. Please remember that the assets you list should be in working order.[D]
1861
2
1
Own
54
2
Have access to
391
3
Do not own/no access to
1416
Sysmiss
2
Q40.e Generator
Q40 Please tell me which of the following do you, or your household, own or have access to. Please remember that the assets you list should be in working order.[E]
1861
2
1
Own
121
2
Have access to
159
3
Do not own/no access to
1581
Sysmiss
2
Q40.f Solar panels
Q40 Please tell me which of the following do you, or your household, own or have access to. Please remember that the assets you list should be in working order.[F]
1861
2
1
Own
257
2
Have access to
176
3
Do not own/no access to
1428
Sysmiss
2
Q40.g Trailer/Donkey cart/Wheelbarrow
Q40 Please tell me which of the following do you, or your household, own or have access to. Please remember that the assets you list should be in working order.[G]
1861
2
1
Own
407
2
Have access to
288
3
Do not own/no access to
1166
Sysmiss
2
Q40.h Bicycle
Q40 Please tell me which of the following do you, or your household, own or have access to. Please remember that the assets you list should be in working order.[H]
1861
2
1
Own
139
2
Have access to
111
3
Do not own/no access to
1611
Sysmiss
2
Q40.i Motorcycle/Scooter
Q41.1 Which of the following do you own or do you have access to?
1861
2
1
Own
40
2
Have access to
36
3
Do not own/no access to
1785
Sysmiss
2
Q41.1 Which of the following do you own or do you have access to?[a]
1861
2
1
Cell phone
1644
2
Landline at home
1
3
None
216
Sysmiss
2
Q41.1 Which of the following do you own or do you have access to?[b]
42
1821
1
Cell phone
0
2
Landline at home
42
3
None
0
Sysmiss
1821
Q41.1 Which of the following do you own or do you have access to?[2a]
1861
2
1
Cell phone
1748
2
Public phone
0
3
Landline at home
1
4
Internet
1
5
None
111
Sysmiss
2
Q41.1 Which of the following do you own or do you have access to?[2b]
474
1389
1
Cell phone
0
2
Public phone
15
3
Landline at home
52
4
Internet
407
5
None
0
Sysmiss
1389
Q41.1 Which of the following do you own or do you have access to?[2c]
52
1811
1
Cell phone
0
2
Public phone
0
3
Landline at home
5
4
Internet
47
5
None
0
Sysmiss
1811
Q41.1 Which of the following do you own or do you have access to?[2d]
5
1858
1
Cell phone
0
2
Public phone
0
3
Landline at home
0
4
Internet
5
5
None
0
Sysmiss
1858
Q41.1 Which of the following do you own or do you have access to?[-2-a]
1747
116
1
Yes
1657
2
No
90
Sysmiss
116
Q41.1 Which of the following do you own or do you have access to?
15
1848
1
Yes
5
2
No
10
Sysmiss
1848
Q41.1 Which of the following do you own or do you have access to?
59
1804
1
Yes
43
2
No
16
Sysmiss
1804
Q41.1 Which of the following do you own or do you have access to?
462
1401
1
Yes
426
2
No
36
Sysmiss
1401
Q42a Documents held in your name: Identification document/Passport
42 Which of the following documents do you have in your name?[a]
[READ OUT. MULTIPLE MENTION POSSIBLE.]]
1860
3
1
Yes
1672
2
No
188
Sysmiss
3
Q42b Documents held in your name: Documents that show your residential address
42 Which of the following documents do you have in your name?[b]
1860
3
1
Yes
776
2
No
1084
Sysmiss
3
Q42c Documents held in your name: Proof of income (e.g. payslip)
42 Which of the following documents do you have in your name?[c]
1860
3
1
Yes
523
2
No
1337
Sysmiss
3
Q42d Documents held in your name: Drivers License
42 Which of the following documents do you have in your name?[d]
1860
3
1
Yes
302
2
No
1558
Sysmiss
3
Q43a Agree/Disagree: You have a clear sense of what you want to achieve with you
Q43 Please tell me whether you agree or disagree with the following statements:
[READ OUT. SINGLE MENTION PER STATEMENT ONLY.]
1860
3
1
Strongly disagree
698
2
Disagree
860
3
Neither agree nor disagree
202
4
Agree
78
5
Strongly agree
22
Sysmiss
3
Q43b Agree/Disagree: You are working towards achieving your dreams and goals
1860
3
1
Strongly agree
577
2
Agree
849
3
Neither agree nor disagree
250
4
Disagree
150
5
Strongly disagree
34
Sysmiss
3
Q43c Agree/Disagree: After your death, your family will have enough to live comf
1860
3
1
Strongly agree
251
2
Agree
572
3
Neither agree nor disagree
454
4
Disagree
448
5
Strongly disagree
135
Sysmiss
3
Q43d Agree/Disagree: It is the responsibility of Government to take care of you
1860
3
1
Strongly agree
593
2
Agree
745
3
Neither agree nor disagree
188
4
Disagree
285
5
Strongly disagree
49
Sysmiss
3
Q43e Agree/Disagree: People in your community have a strong sense of involvement
1860
3
1
Strongly agree
333
2
Agree
853
3
Neither agree nor disagree
274
4
Disagree
318
5
Strongly disagree
82
Sysmiss
3
Q43f Agree/Disagree: It is your own responsibility to ensure that the basic need
1860
3
1
Strongly agree
565
2
Agree
1013
3
Neither agree nor disagree
133
4
Disagree
122
5
Strongly disagree
27
Sysmiss
3
Q44 Farming involvement
Q44 Please tell me which of the following statements best describes your household situation:
[READ OUT. SINGLE MENTION ONLY.]
1860
3
1
Your household is only involved in farming and no one in the
369
2
Your household is involved in farming AND other work
492
3
Your household is NOT involved in farming at all
951
4
Your household owns farm land, but is not involved in farming
48
Sysmiss
3
Q45 Description of involvement in farming
Q45 Which of the following describes your household situation best:
[READ OUT. SINGLE MENTION ONLY.]
862
1001
1
Farm on communal land mostly to provide food for my family to eat
735
2
Farm on communal land mostly to produce products to sell
36
3
Commercial farming
12
4
Live on a farm to provide food for family
79
Sysmiss
1001
Q46.1a Agricultural activities household is involved in - Crops
Q46.1a Please tell me what kind of agricultural crops you/your household are involved in?
[DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
863
1000
1
Maize
456
2
Mahangu
278
3
Wheat
0
4
Sorghum
1
5
Fruit
8
6
Vegetables
20
7
Ground nuts
0
8
Other
1
9
None
99
Sysmiss
1000
Q46.1ab Agricultural activities household is involved in - Crops
Q46.2a Please tell me which one you make the most income from?
652
1211
1
Maize
0
2
Mahangu
385
3
Wheat
2
4
Sorghum
133
5
Fruit
10
6
Vegetables
58
7
Ground nuts
31
8
Other
33
9
None
0
Sysmiss
1211
Q46.1a Agricultural activities household is involved in - Crops
Q46.1b Please tell me what kind of indigenous natural products you/your household are involved in
[DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
435
1428
1
Maize
0
2
Mahangu
0
3
Wheat
21
4
Sorghum
170
5
Fruit
17
6
Vegetables
79
7
Ground nuts
94
8
Other
54
9
None
0
Sysmiss
1428
Q46.1a Agricultural activities household is involved in - Crops
Q46.2b Please tell me which one you make the most income from?
223
1640
1
Maize
0
2
Mahangu
0
3
Wheat
0
4
Sorghum
3
5
Fruit
13
6
Vegetables
46
7
Ground nuts
104
8
Other
57
9
None
0
Sysmiss
1640
Q46.1a Agricultural activities household is involved in - Crops
Q46.1c Please tell me what kind of livestock your household have
[DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
49
1814
1
Maize
0
2
Mahangu
0
3
Wheat
0
4
Sorghum
0
5
Fruit
0
6
Vegetables
11
7
Ground nuts
20
8
Other
18
9
None
0
Sysmiss
1814
Q46.1a Agricultural activities household is involved in - Crops
Q46.2c Please tell me which one you make the most income from?
4
1859
1
Maize
0
2
Mahangu
0
3
Wheat
0
4
Sorghum
0
5
Fruit
0
6
Vegetables
0
7
Ground nuts
3
8
Other
1
9
None
0
Sysmiss
1859
Q46.1a Agricultural activities household is involved (other) - Crops
164
1)beans 2) pumpkin
1
Appels
1
Beans
45
Beans watermellon
1
Beans,
2
Beans, sweetpotatoes, sweetride
1
Beans, watermelon
1
No crops
1
Omatanga
10
Pumpkin and water melon
1
Water melons and Beans
1
Water melons and pumpkins
1
bean
1
beans
66
beans , mutete and pumpkin
1
beans and melons
1
beans and omatanga
1
beans and peanuts
1
beans and peanuts,pumpkins, water melon
1
beans and pumpkin
3
beans and water melon
1
beans and water melons
2
beans melons
1
beans tomatoes
1
beans, watermelon
1
mutete
2
mutter and beans
1
omatanga
4
peanuts
1
pumpkin
1
pumpkin & sweet maize
1
pumpking
1
sweetmelons
1
water melon
1
water melons
2
watermelon
1
watermelons
1
Q46.2a Crops making the most income from
Q46.2a Please tell me which one you make the most income from?
765
1098
1
Maize
36
2
Mahangu
211
3
Wheat
0
4
Sorghum
2
5
Fruit
2
6
Vegetables
23
7
Ground nuts
1
8
Other
5
9
None
485
Sysmiss
1098
Q46.1b Agricultural activities household is involved in - Indigenous Natural Pro
Q46.1b Please tell me what kind of indigenous natural products you/your household are involved in
[DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
863
1000
1
Devil’s claw
8
2
Marula
203
3
Ximenia
13
4
Mopane
34
5
Eembe
79
6
Eenyandi
17
7
Maguni, mauni
51
8
Commiphora Resin
1
9
Melon seed
2
10
Hoodia
0
11
!Nara
0
12
Other
50
13
None
405
Sysmiss
1000
Q46.1b Agricultural activities household is involved in - Indigenous Natural Pro
287
1576
1
Devil’s claw
0
2
Marula
1
3
Ximenia
2
4
Mopane
40
5
Eembe
113
6
Eenyandi
61
7
Maguni, mauni
14
8
Commiphora Resin
0
9
Melon seed
0
10
Hoodia
0
11
!Nara
0
12
Other
56
13
None
0
Sysmiss
1576
Q46.1b Agricultural activities household is involved in - Indigenous Natural Pro
115
1748
1
Devil’s claw
0
2
Marula
0
3
Ximenia
0
4
Mopane
0
5
Eembe
30
6
Eenyandi
56
7
Maguni, mauni
2
8
Commiphora Resin
0
9
Melon seed
2
10
Hoodia
0
11
!Nara
0
12
Other
25
13
None
0
Sysmiss
1748
Q46.1b Agricultural activities household is involved in - Indigenous Natural Pro
24
1839
1
Devil’s claw
0
2
Marula
0
3
Ximenia
0
4
Mopane
0
5
Eembe
0
6
Eenyandi
13
7
Maguni, mauni
0
8
Commiphora Resin
0
9
Melon seed
3
10
Hoodia
0
11
!Nara
0
12
Other
8
13
None
0
Sysmiss
1839
Q46.1b Agricultural activities household is involved in - Indigenous Natural Pro
2
1861
1
Devil’s claw
0
2
Marula
0
3
Ximenia
0
4
Mopane
0
5
Eembe
0
6
Eenyandi
0
7
Maguni, mauni
0
8
Commiphora Resin
0
9
Melon seed
2
10
Hoodia
0
11
!Nara
0
12
Other
0
13
None
0
Sysmiss
1861
Q46.2b Indigenous Natural Products making the most income from
458
1405
1
Devil’s claw
0
2
Marula
36
3
Ximenia
0
4
Mopane
8
5
Eembe
36
6
Eenyandi
18
7
Maguni, mauni
21
8
Commiphora Resin
0
9
Melon seed
0
10
Hoodia
0
11
!Nara
0
12
Other
33
13
None
306
Sysmiss
1405
Q46.1c Agricultural activities household is involved in - Livestock
753
1110
1
Cattle (dairy)
217
2
Cattle (beef)
185
3
Goats
176
4
Sheep
4
5
Poultry
116
6
Game
0
7
Pigs
3
8
Fish
1
9
Donkeys
1
10
Horses
0
11
Pelts (Karakul)
0
12
Other
5
13
None
45
Sysmiss
1110
Q46.1c Agricultural activities household is involved in - Livestock
549
1314
1
Cattle (dairy)
0
2
Cattle (beef)
89
3
Goats
239
4
Sheep
20
5
Poultry
141
6
Game
0
7
Pigs
26
8
Fish
0
9
Donkeys
21
10
Horses
1
11
Pelts (Karakul)
8
12
Other
4
13
None
0
Sysmiss
1314
Q46.1c Agricultural activities household is involved in - Livestock
360
1503
1
Cattle (dairy)
0
2
Cattle (beef)
0
3
Goats
67
4
Sheep
58
5
Poultry
126
6
Game
0
7
Pigs
65
8
Fish
0
9
Donkeys
31
10
Horses
6
11
Pelts (Karakul)
2
12
Other
5
13
None
0
Sysmiss
1503
Q46.1c Agricultural activities household is involved in - Livestock
200
1663
1
Cattle (dairy)
0
2
Cattle (beef)
0
3
Goats
0
4
Sheep
17
5
Poultry
68
6
Game
1
7
Pigs
43
8
Fish
0
9
Donkeys
57
10
Horses
4
11
Pelts (Karakul)
1
12
Other
9
13
None
0
Sysmiss
1663
Q46.1c Agricultural activities household is involved in - Livestock
99
1764
1
Cattle (dairy)
0
2
Cattle (beef)
0
3
Goats
0
4
Sheep
0
5
Poultry
10
6
Game
1
7
Pigs
23
8
Fish
0
9
Donkeys
46
10
Horses
13
11
Pelts (Karakul)
4
12
Other
2
13
None
0
Sysmiss
1764
Q46.1c Agricultural activities household is involved in - Livestock
34
1829
1
Cattle (dairy)
0
2
Cattle (beef)
0
3
Goats
0
4
Sheep
0
5
Poultry
0
6
Game
0
7
Pigs
1
8
Fish
1
9
Donkeys
19
10
Horses
10
11
Pelts (Karakul)
3
12
Other
0
13
None
0
Sysmiss
1829
Q46.1c Agricultural activities household is involved in - Livestock
10
1853
1
Cattle (dairy)
0
2
Cattle (beef)
0
3
Goats
0
4
Sheep
0
5
Poultry
0
6
Game
0
7
Pigs
0
8
Fish
0
9
Donkeys
2
10
Horses
5
11
Pelts (Karakul)
3
12
Other
0
13
None
0
Sysmiss
1853
Q46.1c Agricultural activities household is involved in - Livestock
1
1862
1
Cattle (dairy)
0
2
Cattle (beef)
0
3
Goats
0
4
Sheep
0
5
Poultry
0
6
Game
0
7
Pigs
0
8
Fish
0
9
Donkeys
0
10
Horses
0
11
Pelts (Karakul)
0
12
Other
1
13
None
0
Sysmiss
1862
Q46.2b Livestock making the most income from
819
1044
1
Cattle (dairy)
36
2
Cattle (beef)
75
3
Goats
78
4
Sheep
10
5
Poultry
69
6
Game
0
7
Pigs
9
8
Fish
0
9
Donkeys
1
10
Horses
0
11
Pelts (Karakul)
0
12
Other
4
13
None
537
Sysmiss
1044
Q47a Agree/Disagree: Your household will never sell your livestock
Q47 [ASK ONLY THOSE WITH LIVESTOCK:] Please tell me how much you agree or disagree with the following statements:
[READ OUT. SINGLE MENTION PER STATEMENT ONLY.]
704
1159
1
Strongly agree
110
2
Agree
171
3
Neither agree nor disagree
120
4
Disagree
243
5
Strongly disagree
60
Sysmiss
1159
Q47b Agree/Disagree: Your household will use your livestock as security when you
704
1159
1
Strongly agree
32
2
Agree
105
3
Neither agree nor disagree
139
4
Disagree
316
5
Strongly disagree
112
Sysmiss
1159
Q47c Agree/Disagree: Your household regards livestock as a form of savings
704
1159
1
Strongly agree
123
2
Agree
278
3
Neither agree nor disagree
120
4
Disagree
145
5
Strongly disagree
38
Sysmiss
1159
Q47d Agree/Disagree: Your household will sell some of your livestock to get cash
703
1160
1
Strongly agree
140
2
Agree
294
3
Neither agree nor disagree
85
4
Disagree
133
5
Strongly disagree
51
Sysmiss
1160
Q47e Agree/Disagree: Your household sells livestock on a regular basis as a mean
703
1160
1
Strongly agree
17
2
Agree
69
3
Neither agree nor disagree
107
4
Disagree
315
5
Strongly disagree
195
Sysmiss
1160
Q48_1 Financial source for financing farming inputs
Q48 For your or your household's farming activities, you need things like seed or fertilizer, pesticides, food and medicine for livestock. Where do you or your household mainly get the money for it?
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
862
1001
1
Do not use any inputs for farming activities
166
2
Do not have to buy inputs – we manage with what we have already (e.g. keeping
234
3
Use money from income from sources other than farming (non-farming income)
49
4
Use savings
211
5
Sell some crops and use the money
18
6
Sell some livestock and use the money
73
7
Sell products like milk or eggs that we get from animals to get money to buy it
1
8
Sell something that we collect from nature (e.g. wood) to get money to buy it
6
9
Labor/do piece work to get money to buy it
17
10
Get it from a buyer to whom we sell our crop/livestock
0
11
Get it from a supplier or distributor and pay later
1
12
Loan from a bank
0
13
Loan from another formal financial institution
0
14
Loan from a farmers’ association
1
15
Borrow from a community/savings group where we save and lend to each other
1
16
Borrow from a money lender/cash loan lender in the community
0
17
Borrow from friends and/or family
23
18
Other
42
19
Do not know
19
Sysmiss
1001
Q48_2 Financial source for financing farming inputs
75
1788
1
Do not use any inputs for farming activities
0
2
Do not have to buy inputs – we manage with what we have already (e.g. keeping
0
3
Use money from income from sources other than farming (non-farming income)
0
4
Use savings
9
5
Sell some crops and use the money
7
6
Sell some livestock and use the money
33
7
Sell products like milk or eggs that we get from animals to get money to buy it
0
8
Sell something that we collect from nature (e.g. wood) to get money to buy it
1
9
Labor/do piece work to get money to buy it
10
10
Get it from a buyer to whom we sell our crop/livestock
3
11
Get it from a supplier or distributor and pay later
1
12
Loan from a bank
0
13
Loan from another formal financial institution
0
14
Loan from a farmers’ association
0
15
Borrow from a community/savings group where we save and lend to each other
0
16
Borrow from a money lender/cash loan lender in the community
0
17
Borrow from friends and/or family
8
18
Other
3
19
Do not know
0
Sysmiss
1788
Q48_3 Financial source for financing farming inputs
7
1856
1
Do not use any inputs for farming activities
0
2
Do not have to buy inputs – we manage with what we have already (e.g. keeping
0
3
Use money from income from sources other than farming (non-farming income)
0
4
Use savings
0
5
Sell some crops and use the money
0
6
Sell some livestock and use the money
4
7
Sell products like milk or eggs that we get from animals to get money to buy it
1
8
Sell something that we collect from nature (e.g. wood) to get money to buy it
0
9
Labor/do piece work to get money to buy it
0
10
Get it from a buyer to whom we sell our crop/livestock
1
11
Get it from a supplier or distributor and pay later
0
12
Loan from a bank
0
13
Loan from another formal financial institution
0
14
Loan from a farmers’ association
0
15
Borrow from a community/savings group where we save and lend to each other
0
16
Borrow from a money lender/cash loan lender in the community
0
17
Borrow from friends and/or family
1
18
Other
0
19
Do not know
0
Sysmiss
1856
Q48_4 Financial source for financing farming inputs
1
1862
1
Do not use any inputs for farming activities
0
2
Do not have to buy inputs – we manage with what we have already (e.g. keeping
0
3
Use money from income from sources other than farming (non-farming income)
0
4
Use savings
0
5
Sell some crops and use the money
0
6
Sell some livestock and use the money
0
7
Sell products like milk or eggs that we get from animals to get money to buy it
0
8
Sell something that we collect from nature (e.g. wood) to get money to buy it
0
9
Labor/do piece work to get money to buy it
0
10
Get it from a buyer to whom we sell our crop/livestock
0
11
Get it from a supplier or distributor and pay later
0
12
Loan from a bank
1
13
Loan from another formal financial institution
0
14
Loan from a farmers’ association
0
15
Borrow from a community/savings group where we save and lend to each other
0
16
Borrow from a money lender/cash loan lender in the community
0
17
Borrow from friends and/or family
0
18
Other
0
19
Do not know
0
Sysmiss
1862
Q48_5 Financial source for financing farming inputs (other)
45
Elders pension
1
Elders pensions
1
Family members
1
From Family
1
From fishing
1
From my income
1
From old age pension money
1
Get money from parents to buy inputs
1
Get seeds and fertilisers from Agricultural office
1
Got money from a relative
1
Got money from family
1
I don't use money
1
My son busy for me
1
None
1
Own contribution between family member.
1
Sell Wood
1
Selling of livestock
1
USE THIER OWN GOATS FERTILIZER
1
Use cattle dings as fertilizer.
1
We he'll each other with neighbouring plots to contribute and buy
1
assistance from a household member who is working
1
buy From the open market
1
buy seeds at agriculture
1
do piece work
1
for medicine we benefit from government
1
from farm owner
1
from farm owner he provide for them
1
from old age pension
1
get from government
1
get help from employee
1
get money from my daughter
1
get relatives
1
get subsidize from the government
1
get subsidized seeds from the government
1
my brother bought all da necessary livestock needs
1
pension fund
1
salaries
1
salary
2
selling cooking wooden spoon
1
we depends on social grants
1
we do contributions
1
we get from government
1
we get from our regional council/goverment
1
we use natural one
1
Q49 Does Government supply farming inputs at subsidised or lower cost?
Q49 Do you or your household get some of the farming inputs you use from the Government at a subsidized or lower cost?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
861
1002
1
Yes
194
2
No
615
3
Don't know
52
Sysmiss
1002
Q50_1 Inputs received from Government at subsidized or lower cost
Q50 [ASK IF YES TO Q49 ABOVE:] Which inputs or services do you get from the Government at a subsidized or lower cost?
[DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
194
1669
1
Fertilizer
38
2
Seed
99
3
Pesticides
8
4
Fuel
0
5
Ploughing services by means of tractors
17
6
Farming implements such as ploughs and ripper
1
7
Animals for ploughing
0
8
Vaccines
28
9
Other
3
Sysmiss
1669
Q50_2 Inputs received from Government at subsidized or lower cost
93
1770
1
Fertilizer
0
2
Seed
27
3
Pesticides
2
4
Fuel
0
5
Ploughing services by means of tractors
21
6
Farming implements such as ploughs and rippers
0
7
Animals for ploughing
0
8
Vaccines
41
9
Other
2
Sysmiss
1770
Q50_3 Inputs received from Government at subsidized or lower cost
33
1830
1
Fertilizer
0
2
Seed
0
3
Pesticides
3
4
Fuel
0
5
Ploughing services by means of tractors
4
6
Farming implements such as ploughs and rippers
2
7
Animals for ploughing
0
8
Vaccines
24
9
Other
0
Sysmiss
1830
Q50_4 Inputs received from Government at subsidized or lower cost
5
1858
1
Fertilizer
0
2
Seed
0
3
Pesticides
0
4
Fuel
0
5
Ploughing services by means of tractors
2
6
Farming implements such as ploughs and rippers
0
7
Animals for ploughing
0
8
Vaccines
3
9
Other
0
Sysmiss
1858
Q50_5 Inputs received from Government at subsidized or lower cost
1
1862
1
Fertilizer
0
2
Seed
0
3
Pesticides
0
4
Fuel
0
5
Ploughing services by means of tractors
0
6
Farming implements such as ploughs and rippers
0
7
Animals for ploughing
0
8
Vaccines
1
9
Other
0
Sysmiss
1862
Q51 Is farming mainly for consumption or selling?
Q51 Do you or your household mainly farm for consumption (for your own purposes) or for selling? In other words, do you consume more than what you sell or do you sell more than what you consume?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
861
1002
1
Consumption
815
2
Selling
46
Sysmiss
1002
Q52.1 Have you or your household considered to farm for business purposes
Q52.1 Have you or your household ever considered turning your farming activities into a farming business?
815
1048
1
Yes
104
2
No
643
3
Do not know
68
Sysmiss
1048
Q52.2 Which statement below suits the consideration made by you or your househol
104
1759
1
We have considered turning our farming activities into farming business but have
102
2
We have turned our farming activities into farming business already
1
3
Do not know
1
Sysmiss
1759
Q53_1 Reasons for not considering commercial farming
Q53 [IF NO in Q52.1, ASK:] If you have never considered turning your farming activities into a farming business, please tell us why.
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
643
1220
1
Have another source of income
92
2
Farming is a hobby
37
3
Farming is a family activity
227
4
I just love to farm
15
5
Bought this land as an investment and will sell it later
0
6
Full-time farming is too risky
10
7
The income from full-time farming is too low
11
8
Do not have sufficient funds to stock or work the farm properly
91
9
The future of farming in this country is too uncertain
6
10
Do not have enough land to farm commercially
61
11
The quality of the land does not allow for this
20
12
The profit I can make is not sufficient (market price too low)
4
13
Other
69
Sysmiss
1220
Q53_2 Reasons for not considering commercial farming
198
1665
1
Have another source of income
0
2
Farming is a hobby
8
3
Farming is a family activity
58
4
I just love to farm
15
5
Bought this land as an investment and will sell it later
0
6
Full-time farming is too risky
3
7
The income from full-time farming is too low
1
8
Do not have sufficient funds to stock or work the farm properly
6
9
The future of farming in this country is too uncertain
2
10
Do not have enough land to farm commercially
62
11
The quality of the land does not allow for this
25
12
The profit I can make is not sufficient (market price too low)
8
13
Other
10
Sysmiss
1665
Q53_3 Reasons for not considering commercial farming
28
1835
1
Have another source of income
0
2
Farming is a hobby
0
3
Farming is a family activity
5
4
I just love to farm
7
5
Bought this land as an investment and will sell it later
0
6
Full-time farming is too risky
0
7
The income from full-time farming is too low
1
8
Do not have sufficient funds to stock or work the farm properly
0
9
The future of farming in this country is too uncertain
0
10
Do not have enough land to farm commercially
3
11
The quality of the land does not allow for this
9
12
The profit I can make is not sufficient (market price too low)
1
13
Other
2
Sysmiss
1835
Q53_4 Reasons for not considering commercial farming
4
1859
1
Have another source of income
0
2
Farming is a hobby
0
3
Farming is a family activity
0
4
I just love to farm
2
5
Bought this land as an investment and will sell it later
0
6
Full-time farming is too risky
0
7
The income from full-time farming is too low
0
8
Do not have sufficient funds to stock or work the farm properly
0
9
The future of farming in this country is too uncertain
0
10
Do not have enough land to farm commercially
0
11
The quality of the land does not allow for this
1
12
The profit I can make is not sufficient (market price too low)
1
13
Other
0
Sysmiss
1859
Q53_5 Reasons for not considering commercial farming
1
1862
1
Have another source of income
0
2
Farming is a hobby
0
3
Farming is a family activity
0
4
I just love to farm
0
5
Bought this land as an investment and will sell it later
1
6
Full-time farming is too risky
0
7
The income from full-time farming is too low
0
8
Do not have sufficient funds to stock or work the farm properly
0
9
The future of farming in this country is too uncertain
0
10
Do not have enough land to farm commercially
0
11
The quality of the land does not allow for this
0
12
The profit I can make is not sufficient (market price too low)
0
13
Other
0
Sysmiss
1862
Q53_6 Reasons for not considering commercial farming
81
Am to old to farm
1
Because it's a family farm
1
Can barely harvest enough to feed the family
1
Do not harvest enough
1
Don't harvest enough
1
Don't harvest enough to sell
1
Don't want to take risks
1
Fear of hunger
1
I depend on my field
1
I have never considered it
1
I will die of hunger
1
I'm old
1
I'm old, and not in good health
1
1
It is only thier source of food for consumption
1
It's our source of survival
1
It's too expensive
1
LACK OF WATER
1
Never thought of it
1
No way because its the onlymwaynof survival
1
Not enough for business
1
Only for family consumption
1
Only harvest enough to feed the household
1
Only survival
16
Only survive on this
1
Produce less for consumption only and not enough to sell
1
SOURCE OF FOOD FOR CONSUMPTION
1
SOURCES OF THIER FOOD
1
Source of THIER food
1
THEIR MAIN FOOD SOURCE
1
THEIR ONLY SOURCE OF FOOD
1
1
THIER ONLY SOURCE OF FOOD
1
1
THIER source of food
1
Their main source of food
1
There is no enough tools to farm more
1
They don't harvest enough to eat and sell at the same time
1
Thier main source of food
1
Tradition does not allow that
1
Water is a problem in our area
1
We can't survive without it
1
We have nothing to eat if we turn our farming into a business
1
We will have nothing to eat
1
don't have enough livestock to turn it into a commercial farming
1
don't have time
1
i never thought of that
1
im too old
1
it is a resettlement farm and I have not considering
1
it our main source of meeting our daily needs
1
just renting
1
lt is our survival
1
market it's low
1
no water for farming business
1
old person
1
source of family food
1
the farm within the settlement boundaries
1
the land is too small
1
their SOURCE of food
1
there are no livestock nor land to turn into a business
1
we are large family so it wil, couse a fight
1
we don't have any other source of income
1
we have no other source of income
1
we have no where to stay
1
we have nowhere to stay
2
Q54_1 Reasons for not converting to commercial farming, even though it has been
Q54 [IF CONSIDERED BUT NOT DONE SO ALREADY, Q52.2=1, ASK:] If you have considered turning your farming activities into a farming business, please tell us why you have not done so already.
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
102
1761
1
Do not have enough water
5
2
Do not have enough land
30
3
Do not have enough money for inputs
43
4
The market/place where I can sell my products is too far away
1
5
There is no transport to the market/place where I can sell my products
0
6
Transport is too expensive
1
7
There is no surplus to sell, we use everything we produce
4
8
Limited or lack of knowledge or know-how
7
9
The profit I can make is not sufficient (market price too low)
3
10
Other
8
Sysmiss
1761
Q54_2 Reasons for not converting to commercial farming, even though it has been
30
1833
1
Do not have enough water
0
2
Do not have enough land
4
3
Do not have enough money for inputs
19
4
The market/place where I can sell my products is too far away
0
5
There is no transport to the market/place where I can sell my products
0
6
Transport is too expensive
0
7
There is no surplus to sell, we use everything we produce
3
8
Limited or lack of knowledge or know-how
1
9
The profit I can make is not sufficient (market price too low)
2
10
Other
1
Sysmiss
1833
Q54_3 Reasons for not converting to commercial farming, even though it has been
3
1860
1
Do not have enough water
0
2
Do not have enough land
0
3
Do not have enough money for inputs
3
4
The market/place where I can sell my products is too far away
0
5
There is no transport to the market/place where I can sell my products
0
6
Transport is too expensive
0
7
There is no surplus to sell, we use everything we produce
0
8
Limited or lack of knowledge or know-how
0
9
The profit I can make is not sufficient (market price too low)
0
10
Other
0
Sysmiss
1860
Q54_4 Reasons for not converting to commercial farming, even though it has been
1
1862
1
Do not have enough water
0
2
Do not have enough land
0
3
Do not have enough money for inputs
0
4
The market/place where I can sell my products is too far away
0
5
There is no transport to the market/place where I can sell my products
0
6
Transport is too expensive
1
7
There is no surplus to sell, we use everything we produce
0
8
Limited or lack of knowledge or know-how
0
9
The profit I can make is not sufficient (market price too low)
0
10
Other
0
Sysmiss
1862
Q55_1 Who are products and services mainly sold to?
Q55 [IF MOSTLY SELLING, ASK:] Who do you mainly sell your products and services to?
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
46
1817
1
Co-operative (Agra)
17
2
Wholesaler (Hartlief)
2
3
Supermarket (Spar; Pick ‘n Pay; Punyu; etc)
7
4
Direct to the public
13
5
Direct to a Government agency
0
6
Middleman (Speculator/Feedlot)
3
7
Local butcher
0
8
Abattoirs (Meatco; Brakwater; etc.)
2
9
Export abattoirs (Meatco/Witvlei)
0
10
Other
2
Sysmiss
1817
Q55_2 Who are products and services mainly sold to?
18
1845
1
Co-operative (Agra)
0
2
Wholesaler (Hartlief)
1
3
Supermarket (Spar; Pick ‘n Pay; Punyu; etc)
5
4
Direct to the public
6
5
Direct to a Government agency
0
6
Middleman (Speculator/Feedlot)
0
7
Local butcher
2
8
Abattoirs (Meatco; Brakwater; etc.)
1
9
Export abattoirs (Meatco/Witvlei)
1
10
Other
2
Sysmiss
1845
Q55_3 Who are products and services mainly sold to?
6
1857
1
Co-operative (Agra)
0
2
Wholesaler (Hartlief)
0
3
Supermarket (Spar; Pick ‘n Pay; Punyu; etc)
0
4
Direct to the public
1
5
Direct to a Government agency
0
6
Middleman (Speculator/Feedlot)
2
7
Local butcher
2
8
Abattoirs (Meatco; Brakwater; etc.)
0
9
Export abattoirs (Meatco/Witvlei)
1
10
Other
0
Sysmiss
1857
Q55_4 Who are products and services mainly sold to?
2
1861
1
Co-operative (Agra)
0
2
Wholesaler (Hartlief)
0
3
Supermarket (Spar; Pick ‘n Pay; Punyu; etc)
0
4
Direct to the public
0
5
Direct to a Government agency
0
6
Middleman (Speculator/Feedlot)
0
7
Local butcher
1
8
Abattoirs (Meatco; Brakwater; etc.)
1
9
Export abattoirs (Meatco/Witvlei)
0
10
Other
0
Sysmiss
1861
Q55_5 Who are products and services mainly sold to?
1
1862
1
Co-operative (Agra)
0
2
Wholesaler (Hartlief)
0
3
Supermarket (Spar; Pick ‘n Pay; Punyu; etc)
0
4
Direct to the public
0
5
Direct to a Government agency
0
6
Middleman (Speculator/Feedlot)
0
7
Local butcher
0
8
Abattoirs (Meatco; Brakwater; etc.)
1
9
Export abattoirs (Meatco/Witvlei)
0
10
Other
0
Sysmiss
1862
Q56.1 Three main challenges faced when selling products and services: Most impor
Q56 [IF MOSTLY SELLING, ASK:] Can you tell us, in order of importance, what the THREE (3) main challenges are that you face when selling your products and services?
[DO NOT READ OUT. SPONTANEOUS MENTION.]
46
1817
1
Distance to the market/the place I sell my goods and products at
7
2
Lack of transportation
16
3
Reliability of transport
4
4
Cost of transportation
9
5
Goods/products get damaged in transport
0
6
Lack of storage facilities
1
7
Lack of refrigeration facilities
0
8
Unreliable middleman
0
9
Low market price
7
10
Other
2
Sysmiss
1817
Q56.2 Three main challenges faced when selling products and services: Second mos
46
1817
1
Distance to the market/the place I sell my goods and products at
8
2
Lack of transportation
2
3
Reliability of transport
9
4
Cost of transportation
8
5
Goods/products get damaged in transport
3
6
Lack of storage facilities
0
7
Lack of refrigeration facilities
2
8
Unreliable middleman
1
9
Low market price
9
10
Other
4
Sysmiss
1817
Q56.3 Three main challenges faced when selling products and services: Third most
46
1817
1
Distance to the market/the place I sell my goods and products at
6
2
Lack of transportation
9
3
Reliability of transport
3
4
Cost of transportation
6
5
Goods/products get damaged in transport
4
6
Lack of storage facilities
4
7
Lack of refrigeration facilities
3
8
Unreliable middleman
1
9
Low market price
9
10
Other
1
Sysmiss
1817
Q57.1 Please tell me how you get or make your money to pay for your expenses. If you get or make money in more than one (1) way, please tell me about all of the different
216
1647
1
Yes
216
Sysmiss
1647
327
1536
1
Yes
327
Sysmiss
1536
182
1681
1
Yes
182
Sysmiss
1681
49
1814
1
Yes
49
Sysmiss
1814
131
1732
1
Yes
131
Sysmiss
1732
60
1803
1
Yes
60
Sysmiss
1803
184
1679
1
Yes
184
Sysmiss
1679
108
1755
1
Yes
108
Sysmiss
1755
28
1835
1
Yes
28
Sysmiss
1835
27
1836
1
Yes
27
Sysmiss
1836
16
1847
1
Yes
16
Sysmiss
1847
221
1642
1
Yes
221
Sysmiss
1642
10
1853
1
Yes
10
Sysmiss
1853
79
1784
1
Yes
79
Sysmiss
1784
27
1836
1
Yes
27
Sysmiss
1836
4
1859
1
Yes
4
Sysmiss
1859
4
1859
1
Yes
4
Sysmiss
1859
8
1855
1
Yes
8
Sysmiss
1855
92
1771
1
Yes
92
Sysmiss
1771
157
1706
1
Yes
157
Sysmiss
1706
109
1754
1
Yes
109
Sysmiss
1754
123
1740
1
Yes
123
Sysmiss
1740
109
1) get money from my mother and father
1
32 days investment
1
Boyfriend used to give me money
1
Buy and sell cosmetic products.
1
Driving taxi from Okombahe to Omaruru
1
Driving taxi from Okombahe to Omaruru everyday
1
From family
1
From my brother
1
From parent
1
From relatives
1
From the brother inlows
1
GIPF
2
GIPF Pension Fund
1
1
Grant from Government for medical reasons
1
I do small jobs
2
I get money from spouse
1
I have a juke box I only Rely on that
1
I try here and three to get money with piece of jobs
1
If I sell eenyandi
1
Investment
1
Money from my boyfriend
1
Money from the Father
1
Odd job
1
Odd jobs
1
Parent
1
Parents
2
Piece work
1
Pocket money
1
Principal at a private school
1
SPOUSE
2
Salary from the Farm
1
Salary from the employers @ the Farm
1
Sell Tombo at home
1
Sell cosmetics
1
Selling Cabbage
1
Selling fish
1
Selling okapana
1
Supported by husband
1
TUCK SHOP
1
borrow from someone or money landers
1
building contrations
1
church office
1
collecting wood from the bush than sell it to get money
1
cuting and selling grass
1
do small jobs
1
1
from boyfriend
1
from church
1
from investments
1
from my boyfriend
1
get financial assistance from his mother
1
get from mother
1
get money from doing small jobs (if there are) from community
1
get money from my children
1
get money spouse only
1
get money through hunting game
1
i do small jobs
1
if problem raise will ask family
1
kuhonga nomupini
1
mini market and selling some goats
1
money from GIPF pension
1
money from a once off job
1
money from partner
1
money from spouse
1
mother's salary
1
my husband went on early pension
1
old age funds
1
only if I sell something e.g chicken
1
orphanage grant
1
other incomes from GIPF for the kids
1
part time jobs
1
pension
2
1
pension pay out
1
rental
1
running a cuca shop
1
salary wages from the farm
1
self employed
1
sell cattle, dividend, board sitting allowance
1
sell livestock
1
sell my cattles
1
sell some tobacco and jabulla
1
sell wood crafts
1
selling cooked meat(kapana)
1
selling donkey meat at home
1
selling firewood
1
selling kapana
1
selling poultry
1
share holder in companies
1
she sells meat
1
she sells meat at home
1
she stays with the mother and sh goes to school so the mother is the one supporting her
1
small jobs
6
struggling on her own
1
through the business
1
use pension money from her grandparents
1
wash clothes for an income
1
wife does bring in salary
1
216
1647
1
Daily
0
2
Weekly
2
3
Fortnightly
0
4
Monthly
209
5
Annually
2
6
Occasionally
1
7
Upon job completion
2
Sysmiss
1647
329
1534
1
Daily
3
2
Weekly
7
3
Fortnightly
4
4
Monthly
315
5
Annually
0
6
Occasionally
0
7
Upon job completion
0
Sysmiss
1534
183
1680
1
Daily
0
2
Weekly
9
3
Fortnightly
2
4
Monthly
162
5
Annually
2
6
Occasionally
7
7
Upon job completion
1
Sysmiss
1680
49
1814
1
Daily
16
2
Weekly
5
3
Fortnightly
0
4
Monthly
17
5
Annually
0
6
Occasionally
6
7
Upon job completion
5
Sysmiss
1814
132
1731
1
Daily
45
2
Weekly
18
3
Fortnightly
1
4
Monthly
44
5
Annually
3
6
Occasionally
15
7
Upon job completion
6
Sysmiss
1731
60
1803
1
Daily
2
2
Weekly
1
3
Fortnightly
0
4
Monthly
8
5
Annually
20
6
Occasionally
27
7
Upon job completion
2
Sysmiss
1803
184
1679
1
Daily
24
2
Weekly
10
3
Fortnightly
11
4
Monthly
32
5
Annually
1
6
Occasionally
48
7
Upon job completion
58
Sysmiss
1679
108
1755
1
Daily
16
2
Weekly
10
3
Fortnightly
1
4
Monthly
17
5
Annually
1
6
Occasionally
42
7
Upon job completion
21
Sysmiss
1755
28
1835
1
Daily
2
2
Weekly
3
3
Fortnightly
0
4
Monthly
2
5
Annually
3
6
Occasionally
16
7
Upon job completion
2
Sysmiss
1835
27
1836
1
Daily
1
2
Weekly
2
3
Fortnightly
0
4
Monthly
6
5
Annually
1
6
Occasionally
15
7
Upon job completion
2
Sysmiss
1836
16
1847
1
Daily
0
2
Weekly
0
3
Fortnightly
0
4
Monthly
16
5
Annually
0
6
Occasionally
0
7
Upon job completion
0
Sysmiss
1847
222
1641
1
Daily
0
2
Weekly
0
3
Fortnightly
0
4
Monthly
218
5
Annually
3
6
Occasionally
0
7
Upon job completion
1
Sysmiss
1641
10
1853
1
Daily
0
2
Weekly
0
3
Fortnightly
0
4
Monthly
10
5
Annually
0
6
Occasionally
0
7
Upon job completion
0
Sysmiss
1853
79
1784
1
Daily
0
2
Weekly
0
3
Fortnightly
0
4
Monthly
78
5
Annually
0
6
Occasionally
0
7
Upon job completion
1
Sysmiss
1784
27
1836
1
Daily
0
2
Weekly
0
3
Fortnightly
0
4
Monthly
26
5
Annually
0
6
Occasionally
1
7
Upon job completion
0
Sysmiss
1836
4
1859
1
Daily
0
2
Weekly
0
3
Fortnightly
0
4
Monthly
4
5
Annually
0
6
Occasionally
0
7
Upon job completion
0
Sysmiss
1859
4
1859
1
Daily
0
2
Weekly
0
3
Fortnightly
0
4
Monthly
4
5
Annually
0
6
Occasionally
0
7
Upon job completion
0
Sysmiss
1859
8
1855
1
Daily
0
2
Weekly
0
3
Fortnightly
0
4
Monthly
7
5
Annually
0
6
Occasionally
1
7
Upon job completion
0
Sysmiss
1855
93
1770
1
Daily
0
2
Weekly
4
3
Fortnightly
1
4
Monthly
53
5
Annually
2
6
Occasionally
29
7
Upon job completion
4
Sysmiss
1770
159
1704
1
Daily
3
2
Weekly
2
3
Fortnightly
1
4
Monthly
69
5
Annually
5
6
Occasionally
75
7
Upon job completion
4
Sysmiss
1704
112
1751
1
Daily
13
2
Weekly
6
3
Fortnightly
5
4
Monthly
47
5
Annually
3
6
Occasionally
19
7
Upon job completion
19
Sysmiss
1751
217
1646
1
Cash in hand
17
2
Cheerful
0
3
Into bank account
199
4
Retail
0
5
Wallet money
0
6
Other
1
Sysmiss
1646
329
1534
1
Cash in hand
66
2
Cheque
1
3
Into bank account
261
4
Retail
0
5
Wallet money
0
6
Other
1
Sysmiss
1534
184
1679
1
Cash in hand
143
2
Cheque
0
3
Into bank account
35
4
Retail
0
5
Wallet money
4
6
Other
2
Sysmiss
1679
49
1814
1
Cash in hand
32
2
Cheque
1
3
Into bank account
15
4
Retail
0
5
Wallet money
1
6
Other
0
Sysmiss
1814
132
1731
1
Cash in hand
123
2
Cheque
0
3
Into bank account
7
4
Retail
0
5
Wallet money
1
6
Other
1
Sysmiss
1731
60
1803
1
Cash in hand
48
2
Cheque
4
3
Into bank account
5
4
Retail
0
5
Wallet money
0
6
Other
3
Sysmiss
1803
184
1679
1
Cash in hand
175
2
Cheque
1
3
Into bank account
7
4
Retail
0
5
Wallet money
1
6
Other
0
Sysmiss
1679
108
1755
1
Cash in hand
105
2
Cheque
1
3
Into bank account
2
4
Retail
0
5
Wallet money
0
6
Other
0
Sysmiss
1755
28
1835
1
Cash in hand
27
2
Cheque
0
3
Into bank account
1
4
Retail
0
5
Wallet money
0
6
Other
0
Sysmiss
1835
27
1836
1
Cash in hand
27
2
Cheque
0
3
Into bank account
0
4
Retail
0
5
Wallet money
0
6
Other
0
Sysmiss
1836
16
1847
1
Cash in hand
7
2
Cheque
0
3
Into bank account
8
4
Retail
0
5
Wallet money
1
6
Other
0
Sysmiss
1847
223
1640
1
Cash in hand
121
2
Cheque
0
3
Into bank account
81
4
Retail
0
5
Wallet money
0
6
Other
21
Sysmiss
1640
10
1853
1
Cash in hand
2
2
Cheque
0
3
Into bank account
8
4
Retail
0
5
Wallet money
0
6
Other
0
Sysmiss
1853
79
1784
1
Cash in hand
56
2
Cheque
0
3
Into bank account
18
4
Retail
0
5
Wallet money
1
6
Other
4
Sysmiss
1784
27
1836
1
Cash in hand
16
2
Cheque
0
3
Into bank account
8
4
Retail
0
5
Wallet money
0
6
Other
3
Sysmiss
1836
4
1859
1
Cash in hand
0
2
Cheque
0
3
Into bank account
4
4
Retail
0
5
Wallet money
0
6
Other
0
Sysmiss
1859
4
1859
1
Cash in hand
0
2
Cheque
0
3
Into bank account
4
4
Retail
0
5
Wallet money
0
6
Other
0
Sysmiss
1859
8
1855
1
Cash in hand
6
2
Cheque
0
3
Into bank account
2
4
Retail
0
5
Wallet money
0
6
Other
0
Sysmiss
1855
93
1770
1
Cash in hand
62
2
Cheque
0
3
Into bank account
23
4
Retail
0
5
Wallet money
7
6
Other
1
Sysmiss
1770
159
1704
1
Cash in hand
117
2
Cheque
0
3
Into bank account
25
4
Retail
0
5
Wallet money
12
6
Other
5
Sysmiss
1704
114
1749
1
Cash in hand
78
2
Cheque
2
3
Into bank account
29
4
Retail
0
5
Wallet money
2
6
Other
3
Sysmiss
1749
Q57.3b Wallet Money users - How much do you leave on the wallet for later use af
30
1833
1
Nothing
21
2
Less than 50% of the money received
5
3
50% or more of the money received
4
Sysmiss
1833
Q57.3c Wallet Money users - Services
30
1833
1
Purchase airtime
17
2
Purchase electricity
1
3
Other
12
Sysmiss
1833
Q57.3c Wallet Money users - Services
4
1859
1
Purchase airtime
0
2
Purchase electricity
2
3
Other
2
Sysmiss
1859
Q57.3c Wallet Money users - Other services)
14
0
Food and clothes
1
Foods and groceries
1
None
1
Travel to go to school
1
buying food
1
for food
1
household daily needs
1
none
2
nothing
3
nothing,withdraw all
1
pay my expenses
1
Q57_4. Main source of income
1735
128
1
Salary/wages from Government/parastatal
207
2
Salary/wages from private company
321
3
Salary/wages from an individual (i.e. domestic worker/farm worker etc)
179
4
Self-employed (have own business) – formal sector
40
5
Self-employed (have own business) – informal sector
114
6
Money from farming (crops and/or livestock; by-products from livestock)
37
7
Piece work
144
8
Make goods to sell
71
9
Sell something I grow
13
10
Sell something I collect from nature (thatch/wood/charcoal)
20
11
Rental income/subletting rooms, shack, house
7
12
Government old age pension
199
13
Company pension
8
14
Child grant
54
15
Disability grant
24
16
War veterans/ex-combatants grant
4
17
Return on investments
2
18
Maintenance money
6
19
Remittances (money from friends/family)
79
20
Get money from someone else
131
21
Other
75
Sysmiss
128
Q57_4. Main source of income - others specified
75
140
1
400
1
Boyfriend use to give me money
1
Buiding contraction
1
Buy and sell cosmetic products
1
Driving taxi from Okombahe to Omaruru
2
Eenyandi
1
From family
1
From relatives
1
GIF Pension fund
1
GIPF
2
Government grant
1
Husband
1
I have juke box
1
Money from my boyfriend
1
Money from spouse
1
My mother's smart card
1
Odd jobs
1
Parent
1
Parents
1
Pension from late husband's savings
1
Piece work
2
Pocket money
1
SPOUSE
1
SPOUSES
1
Salary from private school
1
Salary from the Farm
1
Salary from the employers on the Farm
1
Selling Cabbage
1
Selling cattles
1
assistance from his uncle
1
chicken
1
farming for consumption
1
from my partners salary
1
from the money that my boyfriends gives me
1
her mother supports her they stay together
1
if he gets any work that pays cash
1
money from boyfriend
1
money from mom and dad
1
money from mother
1
money from my children
1
money from parents
1
my husband's early pension money
1
my mother's salary
1
my spouse salary
1
odd job
1
old age funds
1
orphanage grant
1
parents
1
part time jobs
1
pension
2
pension pay out (GIPF)
1
salary wage from the farm
1
seling grass
1
selling donkey meat
1
selling firewood
1
selling livestock
1
selling poultry
1
sellingcooked meat (kapana)
1
she sells meat
1
small jobs
6
spouses income
1
struggling on her own
1
through the business
1
we are helped by church
1
wife does bring in salary
1
Q58_1 Who gives you money, or pays for your expenses?
Q58 [IF RESPONDENT GETS MONEY FROM SOMEONE ELSE OR HAS SOMEONE ELSE WHO PAYS THEIR EXPENSES (OPTIONS 19 & 20 IN Q57), ASK:] Who gives you money, or pays for your expenses?
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
159
1704
1
Parent
59
2
Spouse
25
3
Child
13
4
Other relative
48
5
Other
14
Sysmiss
1704
Q58_2 Who gives you money, or pays for your expenses?
12
1851
1
Parent
0
2
Spouse
2
3
Child
0
4
Other relative
8
5
Other
2
Sysmiss
1851
Q59a.Total Monthly Income actual
Q59a. What is your TOTAL PERSONAL MONTHLY income before tax and other deductions?
1486
377
0
1700000
6485.868
50409.952
Q59b. Personal Monthly Income - Categorized -19 codes
1735
128
1
I do not have a regular monthly income
14
2
NAD 1 to NAD 1000
686
3
NAD 1001 to NAD 1999
390
4
NAD 2000 to NAD 3000
198
5
NAD 3001 to NAD 5000
114
6
NAD 5001 to NAD 7000
47
7
NAD 7001 to NAD 9000
35
8
NAD 9001 to NAD 11000
33
9
NAD 11001 to NAD 13000
19
10
NAD 13001 to NAD 15000
22
11
NAD 15001 to NAD 17000
21
12
NAD 17001 to NAD 19000
9
13
NAD 19001 to NAD 21000
19
14
NAD 21001 to NAD 25000
24
15
NAD 25001 to NAD 30000
13
16
NAD 30001 to NAD 35000
7
17
NAD 35001 to NAD 50000
13
18
NAD 50001 to NAD 75000
5
19
More than 75000
11
20
Refused
21
21
Don't know
34
Sysmiss
128
Q64.1_1 Means of covering costs of major expenses: Birth of a child
Q64 The following are big events in most people's lives. How would you cover the cost for these if you need to pay for it?
[DO NOT READ OUT THE OPTIONS FOR HOW A RESPONDENT WILL COVER THE COSTS. ONLY ASK HOW RESPONDENT WILL COVER THE COST FOR EACH EVENT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
1857
6
1
I will use my savings
707
2
I will get the money from family and friends
375
3
I will get the money from someone in the community
12
4
I will sell something to cover the costs
32
5
I have a policy that will cover it
8
6
I will borrow the money from the bank
6
7
I will borrow the money from another registered financial institution
1
8
I will borrow the money from a cash loan lender in the community
8
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
3
11
Other
88
12
Contribution in kind
166
13
Nothing
451
Sysmiss
6
Q64.1_2 Means of covering costs of major expenses: Birth of a child
251
1612
1
I will use my savings
0
2
I will get the money from family and friends
104
3
I will get the money from someone in the community
36
4
I will sell something to cover the costs
8
5
I have a policy that will cover it
4
6
I will borrow the money from the bank
3
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
3
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
0
11
Other
0
12
Contribution in kind
93
13
Nothing
0
Sysmiss
1612
Q64.1_3 Means of covering costs of major expenses: Birth of a child
38
1825
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
4
4
I will sell something to cover the costs
3
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
1
7
I will borrow the money from another registered financial institution
1
8
I will borrow the money from a cash loan lender in the community
2
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
2
11
Other
0
12
Contribution in kind
25
13
Nothing
0
Sysmiss
1825
Q64.1_4 Means of covering costs of major expenses: Birth of a child
1
1862
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
0
4
I will sell something to cover the costs
0
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
0
11
Other
0
12
Contribution in kind
1
13
Nothing
0
Sysmiss
1862
Q64.2_1 Means of covering costs of major expenses: Wedding
1857
6
1
I will use my savings
736
2
I will get the money from family and friends
383
3
I will get the money from someone in the community
11
4
I will sell something to cover the costs
26
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
13
7
I will borrow the money from another registered financial institution
1
8
I will borrow the money from a cash loan lender in the community
2
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
1
11
Other
64
12
Contribution in kind
289
13
Nothing
331
Sysmiss
6
Q64.2_2 Means of covering costs of major expenses: Wedding
420
1443
1
I will use my savings
0
2
I will get the money from family and friends
161
3
I will get the money from someone in the community
50
4
I will sell something to cover the costs
14
5
I have a policy that will cover it
1
6
I will borrow the money from the bank
11
7
I will borrow the money from another registered financial institution
1
8
I will borrow the money from a cash loan lender in the community
3
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
1
11
Other
6
12
Contribution in kind
172
13
Nothing
0
Sysmiss
1443
Q64.2_3 Means of covering costs of major expenses: Wedding
102
1761
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
10
4
I will sell something to cover the costs
2
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
3
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
1
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
0
11
Other
2
12
Contribution in kind
84
13
Nothing
0
Sysmiss
1761
Q64.2_4 Means of covering costs of major expenses: Wedding
9
1854
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
0
4
I will sell something to cover the costs
1
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
1
7
I will borrow the money from another registered financial institution
1
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
0
11
Other
0
12
Contribution in kind
6
13
Nothing
0
Sysmiss
1854
Q64.3_1 Means of covering costs of major expenses: Funeral/Memorial
1857
6
1
I will use my savings
639
2
I will get the money from family and friends
463
3
I will get the money from someone in the community
15
4
I will sell something to cover the costs
28
5
I have a policy that will cover it
86
6
I will borrow the money from the bank
8
7
I will borrow the money from another registered financial institution
5
8
I will borrow the money from a cash loan lender in the community
11
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
6
11
Other
69
12
Contribution in kind
258
13
Nothing
269
Sysmiss
6
Q64.3_2 Means of covering costs of major expenses: Funeral/Memorial
450
1413
1
I will use my savings
0
2
I will get the money from family and friends
152
3
I will get the money from someone in the community
62
4
I will sell something to cover the costs
10
5
I have a policy that will cover it
25
6
I will borrow the money from the bank
12
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
6
9
I will borrow the money from a savings group
1
10
I will get financial assistance from the government
8
11
Other
4
12
Contribution in kind
170
13
Nothing
0
Sysmiss
1413
Q64.3_3 Means of covering costs of major expenses: Funeral/Memorial
114
1749
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
11
4
I will sell something to cover the costs
3
5
I have a policy that will cover it
9
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
1
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
3
11
Other
5
12
Contribution in kind
82
13
Nothing
0
Sysmiss
1749
Q64.3_4 Means of covering costs of major expenses: Funeral/Memorial
8
1855
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
0
4
I will sell something to cover the costs
2
5
I have a policy that will cover it
1
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
0
11
Other
0
12
Contribution in kind
5
13
Nothing
0
Sysmiss
1855
Q64.4_1 Means of covering costs of major expenses: Medical emergency
1857
6
1
I will use my savings
718
2
I will get the money from family and friends
521
3
I will get the money from someone in the community
25
4
I will sell something to cover the costs
24
5
I have a policy that will cover it
70
6
I will borrow the money from the bank
7
7
I will borrow the money from another registered financial institution
4
8
I will borrow the money from a cash loan lender in the community
10
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
47
11
Other
81
12
Contribution in kind
70
13
Nothing
280
Sysmiss
6
Q64.4_2 Means of covering costs of major expenses: Medical emergency
316
1547
1
I will use my savings
0
2
I will get the money from family and friends
143
3
I will get the money from someone in the community
53
4
I will sell something to cover the costs
10
5
I have a policy that will cover it
12
6
I will borrow the money from the bank
5
7
I will borrow the money from another registered financial institution
1
8
I will borrow the money from a cash loan lender in the community
6
9
I will borrow the money from a savings group
1
10
I will get financial assistance from the government
31
11
Other
10
12
Contribution in kind
44
13
Nothing
0
Sysmiss
1547
Q64.4_3 Means of covering costs of major expenses: Medical emergency
52
1811
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
11
4
I will sell something to cover the costs
2
5
I have a policy that will cover it
1
6
I will borrow the money from the bank
1
7
I will borrow the money from another registered financial institution
1
8
I will borrow the money from a cash loan lender in the community
2
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
6
11
Other
1
12
Contribution in kind
27
13
Nothing
0
Sysmiss
1811
Q64.4_4 Means of covering costs of major expenses: Medical emergency
3
1860
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
0
4
I will sell something to cover the costs
0
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
0
11
Other
0
12
Contribution in kind
3
13
Nothing
0
Sysmiss
1860
Q64.5_1 Means of covering costs of major expenses: Children's education
1857
6
1
I will use my savings
779
2
I will get the money from family and friends
381
3
I will get the money from someone in the community
12
4
I will sell something to cover the costs
39
5
I have a policy that will cover it
24
6
I will borrow the money from the bank
7
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
4
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
92
11
Other
86
12
Contribution in kind
74
13
Nothing
359
Sysmiss
6
Q64.5_2 Means of covering costs of major expenses: Children's education
303
1560
1
I will use my savings
0
2
I will get the money from family and friends
131
3
I will get the money from someone in the community
30
4
I will sell something to cover the costs
18
5
I have a policy that will cover it
12
6
I will borrow the money from the bank
5
7
I will borrow the money from another registered financial institution
1
8
I will borrow the money from a cash loan lender in the community
5
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
39
11
Other
13
12
Contribution in kind
49
13
Nothing
0
Sysmiss
1560
Q64.5_3 Means of covering costs of major expenses: Children's education
35
1828
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
4
4
I will sell something to cover the costs
6
5
I have a policy that will cover it
1
6
I will borrow the money from the bank
1
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
1
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
2
11
Other
1
12
Contribution in kind
19
13
Nothing
0
Sysmiss
1828
Q64.5_4 Means of covering costs of major expenses: Children's education
1
1862
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
0
4
I will sell something to cover the costs
0
5
I have a policy that will cover it
1
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
0
11
Other
0
12
Contribution in kind
0
13
Nothing
0
Sysmiss
1862
Q64.6_1 Means of covering costs of major expenses: Damage from a natural disaste
1857
6
1
I will use my savings
482
2
I will get the money from family and friends
311
3
I will get the money from someone in the community
20
4
I will sell something to cover the costs
19
5
I have a policy that will cover it
64
6
I will borrow the money from the bank
11
7
I will borrow the money from another registered financial institution
2
8
I will borrow the money from a cash loan lender in the community
4
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
238
11
Other
52
12
Contribution in kind
140
13
Nothing
514
Sysmiss
6
Q64.6_2 Means of covering costs of major expenses: Damage from a natural disaste
369
1494
1
I will use my savings
0
2
I will get the money from family and friends
102
3
I will get the money from someone in the community
47
4
I will sell something to cover the costs
10
5
I have a policy that will cover it
3
6
I will borrow the money from the bank
7
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
5
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
82
11
Other
9
12
Contribution in kind
104
13
Nothing
0
Sysmiss
1494
Q64.6_3 Means of covering costs of major expenses: Damage from a natural disaste
80
1783
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
8
4
I will sell something to cover the costs
2
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
2
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
21
11
Other
2
12
Contribution in kind
45
13
Nothing
0
Sysmiss
1783
Q64.6_4 Means of covering costs of major expenses: Damage from a natural disaste
10
1853
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
0
4
I will sell something to cover the costs
0
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
3
11
Other
0
12
Contribution in kind
7
13
Nothing
0
Sysmiss
1853
Q64.7_1 Means of covering costs of major expenses: Retirement
1857
6
1
I will use my savings
513
2
I will get the money from family and friends
192
3
I will get the money from someone in the community
1
4
I will sell something to cover the costs
14
5
I have a policy that will cover it
78
6
I will borrow the money from the bank
4
7
I will borrow the money from another registered financial institution
1
8
I will borrow the money from a cash loan lender in the community
3
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
112
11
Other
38
12
Contribution in kind
56
13
Nothing
845
Sysmiss
6
Q64.7_2 Means of covering costs of major expenses: Retirement
197
1666
1
I will use my savings
0
2
I will get the money from family and friends
75
3
I will get the money from someone in the community
17
4
I will sell something to cover the costs
7
5
I have a policy that will cover it
14
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
1
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
50
11
Other
4
12
Contribution in kind
29
13
Nothing
0
Sysmiss
1666
Q64.7_3 Means of covering costs of major expenses: Retirement
28
1835
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
3
4
I will sell something to cover the costs
2
5
I have a policy that will cover it
2
6
I will borrow the money from the bank
2
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
2
11
Other
0
12
Contribution in kind
17
13
Nothing
0
Sysmiss
1835
Q64.7_4 Means of covering costs of major expenses: Retirement
4
1859
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
0
4
I will sell something to cover the costs
0
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
2
11
Other
1
12
Contribution in kind
1
13
Nothing
0
Sysmiss
1859
Q64.8_1 Means of covering costs of major expenses: Other celebrations (e.g birth
1857
6
1
I will use my savings
703
2
I will get the money from family and friends
353
3
I will get the money from someone in the community
12
4
I will sell something to cover the costs
23
5
I have a policy that will cover it
3
6
I will borrow the money from the bank
2
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
4
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
1
11
Other
53
12
Contribution in kind
154
13
Nothing
549
Sysmiss
6
Q64.8_2 Means of covering costs of major expenses: Other celebrations (e.g birth
337
1526
1
I will use my savings
0
2
I will get the money from family and friends
131
3
I will get the money from someone in the community
55
4
I will sell something to cover the costs
12
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
3
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
3
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
0
11
Other
7
12
Contribution in kind
126
13
Nothing
0
Sysmiss
1526
Q64.8_3 Means of covering costs of major expenses: Other celebrations (e.g birth
71
1792
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
9
4
I will sell something to cover the costs
1
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
1
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
1
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
0
11
Other
0
12
Contribution in kind
59
13
Nothing
0
Sysmiss
1792
Q64.8_4 Means of covering costs of major expenses: Other celebrations (e.g birth
7
1856
1
I will use my savings
0
2
I will get the money from family and friends
0
3
I will get the money from someone in the community
0
4
I will sell something to cover the costs
1
5
I have a policy that will cover it
0
6
I will borrow the money from the bank
0
7
I will borrow the money from another registered financial institution
0
8
I will borrow the money from a cash loan lender in the community
0
9
I will borrow the money from a savings group
0
10
I will get financial assistance from the government
1
11
Other
0
12
Contribution in kind
5
13
Nothing
0
Sysmiss
1856
Q65 Are other problems faced in terms of where or how to pay for regular items
Q65. Thinking about all the things you pay regularly, apart from the challenge of getting money to pay for these, do you face any other problems in terms of where or how you have to pay for these?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1857
6
1
Yes
702
2
No
1155
Sysmiss
6
Q66_1 Main problems faced in terms of where or how to pay for regular items
Q66 [IF Q65 is YES, ASK:] What are the main problems that you face? [
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
702
1161
1
Distance to the shop or institution where I have to pay
279
2
Lack of transportation
103
3
Reliability of transport
11
4
Cost of transportation
89
5
Availability of crucial items
44
6
Lack of credit
104
7
Unfavourable repayment terms
22
8
Other
50
Sysmiss
1161
Q66_2 Main problems faced in terms of where or how to pay for regular items
351
1512
1
Distance to the shop or institution where I have to pay
0
2
Lack of transportation
121
3
Reliability of transport
28
4
Cost of transportation
106
5
Availability of crucial items
16
6
Lack of credit
49
7
Unfavourable repayment terms
18
8
Other
13
Sysmiss
1512
Q66_3 Main problems faced in terms of where or how to pay for regular items
124
1739
1
Distance to the shop or institution where I have to pay
0
2
Lack of transportation
0
3
Reliability of transport
17
4
Cost of transportation
65
5
Availability of crucial items
14
6
Lack of credit
15
7
Unfavourable repayment terms
9
8
Other
4
Sysmiss
1739
Q66_4 Main problems faced in terms of where or how to pay for regular items
33
1830
1
Distance to the shop or institution where I have to pay
0
2
Lack of transportation
0
3
Reliability of transport
0
4
Cost of transportation
10
5
Availability of crucial items
7
6
Lack of credit
6
7
Unfavourable repayment terms
7
8
Other
3
Sysmiss
1830
Q66_4 Main problems faced in terms of where or how to pay for regular items
72
Building up my house,
1
Buying meat everyday because of no fridge
1
Children's tertiary education cost
1
Crooks who targets old people,
1
Demand of money from my wife when I font have.
1
Do not pay for anything
1
Don't have a bank account and it's hard to receive money from people
1
Electricity
1
Exhaustion from waiting at the pay point for old age pension
1
Expensive items
1
Food shortages
1
Hunger
1
Lack of job opportunities
1
Lack of sanitation e.g no toilets
1
Lack of transport during night
1
No job opportunities
1
No money at all
1
None
2
Nothing
1
Paying accounts
1
Paying rent, and supporting family efficiently
1
Payments of famaly members
1
Poverty
1
Rates and taxes, water and electricity.
1
Shortage of money
1
Sometimes we sleep on empty stomach
1
Unemployment
1
Unforseen problems that you end up paying
1
being unemployed
1
distance to the public tap
1
flood
1
food
2
food and furniture accounts
1
if there is no customrrs
1
illiness
1
increament of my salaray
1
lack of food
1
lack of food in the household
1
lack of food,
1
lack of food,water, paying school fee
1
lack of fund to pay my study
1
lack of job opportunities
1
lack of money
2
lack of planning
1
low income
3
need land to build my house
1
no enough time to pay these things and sometimes long queues
1
no money for food
1
none
1
paying accounts
1
paying for electricity
1
paying furniture and buying electricity
1
paying salaries
1
paying school
1
salary is not enough
1
securing the house
1
support from the father of the kinds
1
supporting the whole extended family
1
to pay my room
1
tuition fees
1
unemployment
1
unexpected events
1
unexpected increament in water bills
1
unforeseen circumstances
1
water for animals
1
we don't have job
1
when my husband was unemployed some policies collapsed
1
Q67a Time taken to travel to the nearest: Retail outlets (e.g. shoprite, Pick ‘n
Q67a How long does it usually take you to get to the nearest...
[READ OUT. SINGLE MENTION PER LOCATION ONLY.]
1858
5
1
Less than 30 minutes
689
2
Between 30 minutes and 1 hour
598
3
1 to 3 hours
469
4
More than 3 hours
73
99
Do not know
29
Sysmiss
5
Q67b Time taken to travel to the nearest: Market - place where vendors sell food
1858
5
1
Less than 30 minutes
859
2
Between 30 minutes and 1 hour
533
3
1 to 3 hours
365
4
More than 3 hours
48
99
Do not know
53
Sysmiss
5
Q67c Time taken to travel to the nearest: Post Office
1858
5
1
Less than 30 minutes
615
2
Between 30 minutes and 1 hour
644
3
1 to 3 hours
455
4
More than 3 hours
75
99
Do not know
69
Sysmiss
5
Q67d Time taken to travel to the nearest: Bank
1858
5
1
Less than 30 minutes
532
2
Between 30 minutes and 1 hour
620
3
1 to 3 hours
543
4
More than 3 hours
108
99
Do not know
55
Sysmiss
5
Q67e Time taken to travel to the nearest: ATM
1858
5
1
Less than 30 minutes
679
2
Between 30 minutes and 1 hour
557
3
1 to 3 hours
462
4
More than 3 hours
100
99
Do not know
60
Sysmiss
5
Q67e Time taken to travel to the nearest: Medical services (e.g. clinic; hospita
1858
5
1
Less than 30 minutes
765
2
Between 30 minutes and 1 hour
667
3
1 to 3 hours
351
4
More than 3 hours
51
99
Do not know
24
Sysmiss
5
Q67f Time taken to travel to the nearest: Insurance company/Broker/Agent
1858
5
1
Less than 30 minutes
295
2
Between 30 minutes and 1 hour
476
3
1 to 3 hours
450
4
More than 3 hours
115
99
Do not know
522
Sysmiss
5
Q67f Time taken to travel to the nearest: Cuca Shops
1858
5
1
Less than 30 minutes
1428
2
Between 30 minutes and 1 hour
231
3
1 to 3 hours
85
4
More than 3 hours
17
99
Do not know
97
Sysmiss
5
Q67a Distance taken to travel to the nearest: Retail outlets (e.g. shoprite, Pic
1858
5
1
Less than 1km
498
2
Between 1km and 10km
593
3
Between 11km and 50km
503
4
More than 50km
213
99
Do not know
51
Sysmiss
5
Q67b Distance taken to travel to the nearest: Market - place where vendors sell
1858
5
1
Less than 1km
670
2
Between 1km and 10km
588
3
Between 11km and 50km
379
4
More than 50km
147
99
Do not know
74
Sysmiss
5
Q67c Distance taken to travel to the nearest: Post Office
1858
5
1
Less than 1km
363
2
Between 1km and 10km
759
3
Between 11km and 50km
495
4
More than 50km
157
99
Do not know
84
Sysmiss
5
Q67d Distance taken to travel to the nearest: Bank
1858
5
1
Less than 1km
329
2
Between 1km and 10km
691
3
Between 11km and 50km
519
4
More than 50km
249
99
Do not know
70
Sysmiss
5
Q67e Distance taken to travel to the nearest: ATM
1858
5
1
Less than 1km
455
2
Between 1km and 10km
636
3
Between 11km and 50km
487
4
More than 50km
208
99
Do not know
72
Sysmiss
5
Q67e Distance taken to travel to the nearest: Medical services (e.g. clinic; hos
1858
5
1
Less than 1km
535
2
Between 1km and 10km
866
3
Between 11km and 50km
307
4
More than 50km
104
99
Do not know
46
Sysmiss
5
Q67f Distance taken to travel to the nearest: Insurance company/Broker/Agent
1858
5
1
Less than 1km
185
2
Between 1km and 10km
516
3
Between 11km and 50km
370
4
More than 50km
272
99
Do not know
515
Sysmiss
5
Q67f Distance taken to travel to the nearest: Cuca Shops
Q67b What is the distance from here to the nearest...
[READ OUT. SINGLE MENTION PER LOCATION ONLY.]
1858
5
1
Less than 1km
1300
2
Between 1km and 10km
341
3
Between 11km and 50km
73
4
More than 50km
39
99
Do not know
105
Sysmiss
5
Q68_1 What would help improve the lives of people in the community
Q68 What in your opinion would help to improve the lives of people in this community?
[DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
1858
5
1
Roads/better roads
637
2
Improved housing
256
3
Access to basic services such as drinking water/sanitation
328
4
Access to water for farming
36
5
Health care facilities
170
6
Educational facilities
41
7
Better access to public transport
18
8
Electricity
67
9
Improved retail markets/banks
48
10
Access to financial institutions/banks
15
11
Other
164
12
Do not know
78
Sysmiss
5
Q68_2 What would help improve the lives of people in the community
1399
464
1
Roads/better roads
0
2
Improved housing
233
3
Access to basic services such as drinking water/sanitation
289
4
Access to water for farming
55
5
Health care facilities
249
6
Educational facilities
127
7
Better access to public transport
24
8
Electricity
186
9
Improved retail markets/banks
82
10
Access to financial institutions/banks
49
11
Other
105
12
Do not know
0
Sysmiss
464
Q68_3 What would help improve the lives of people in the community
958
905
1
Roads/better roads
0
2
Improved housing
0
3
Access to basic services such as drinking water/sanitation
121
4
Access to water for farming
18
5
Health care facilities
153
6
Educational facilities
107
7
Better access to public transport
45
8
Electricity
227
9
Improved retail markets/banks
128
10
Access to financial institutions/banks
67
11
Other
92
12
Do not know
0
Sysmiss
905
Q68_4 What would help improve the lives of people in the community
513
1350
1
Roads/better roads
0
2
Improved housing
0
3
Access to basic services such as drinking water/sanitation
0
4
Access to water for farming
7
5
Health care facilities
65
6
Educational facilities
72
7
Better access to public transport
24
8
Electricity
134
9
Improved retail markets/banks
75
10
Access to financial institutions/banks
79
11
Other
57
12
Do not know
0
Sysmiss
1350
Q68_5 What would help improve the lives of people in the community
256
1607
1
Roads/better roads
0
2
Improved housing
0
3
Access to basic services such as drinking water/sanitation
0
4
Access to water for farming
0
5
Health care facilities
4
6
Educational facilities
27
7
Better access to public transport
21
8
Electricity
75
9
Improved retail markets/banks
48
10
Access to financial institutions/banks
50
11
Other
31
12
Do not know
0
Sysmiss
1607
Q68_6 What would help improve the lives of people in the community
130
1733
1
Roads/better roads
0
2
Improved housing
0
3
Access to basic services such as drinking water/sanitation
0
4
Access to water for farming
0
5
Health care facilities
0
6
Educational facilities
2
7
Better access to public transport
10
8
Electricity
27
9
Improved retail markets/banks
30
10
Access to financial institutions/banks
34
11
Other
27
12
Do not know
0
Sysmiss
1733
Q68_7 What would help improve the lives of people in the community
54
1809
1
Roads/better roads
0
2
Improved housing
0
3
Access to basic services such as drinking water/sanitation
0
4
Access to water for farming
0
5
Health care facilities
0
6
Educational facilities
0
7
Better access to public transport
0
8
Electricity
8
9
Improved retail markets/banks
16
10
Access to financial institutions/banks
19
11
Other
11
12
Do not know
0
Sysmiss
1809
Q68_8 What would help improve the lives of people in the community
26
1837
1
Roads/better roads
0
2
Improved housing
0
3
Access to basic services such as drinking water/sanitation
0
4
Access to water for farming
0
5
Health care facilities
0
6
Educational facilities
0
7
Better access to public transport
0
8
Electricity
0
9
Improved retail markets/banks
5
10
Access to financial institutions/banks
14
11
Other
7
12
Do not know
0
Sysmiss
1837
Q68_8 What would help improve the lives of people in the community (other specif
504
A Police station
1
Agricultural projects
1
All public offices so that we will not travel long distances anymore
1
Ambulance service in okombahe
1
Atm
1
Availability of jobs
1
BIG HOSPITAL
1
Better jobs
1
Better networks
2
Better services
1
Better to go to farming
1
Bridges for kids to cross the oshana
1
Bring Projects to poeple
1
Bring new businesses, or prjects
1
Build a lot of shop
1
Build a mall
1
Build stalls for people to start their own business
1
Cell phone network
3
Cell phone reception
1
Cellophane network
1
Cellphone network
1
Church
2
Churches
1
Cleaning Services and provision of food
1
Come up who projects and Create employments
1
Community garden
1
Community garden; Better network
1
Create Projects to help the community
1
Create Support groups
1
Create better well paid jobs
1
Create job opportunities
2
Create jobs
2
Create new projects to help the community
1
Crime Prevention
1
DOCTORS AT OUR CLINIC
1
DUST BIN
1
Dams to provide water for livistock
1
Dams to serve water for livestock. and Tight laws towards the Cuca shops that are next to the school regard of noise polution.
1
Developing the place to create more jobs
1
Different Government offices
1
Door door visit on different things around us
1
Draught relief food
1
Draught relief, Assistance with farming machinery
1
Draught relief, farming tractors
1
Drought relief
1
Drought relief food
1
1
1
Drought reliefs
1
Earth dam
4
Earth dam and police station
1
Employement
1
Employment
3
Employment and give money to do business
1
Employment creation
1
Employment creation,
1
Employment opportunities
1
Employment opportunity
1
Employment oppurtunities
1
FARMING ASSISTANCE
1
Farming Intrusments
1
Farming programs to the community, and some other social activities that would help them to create employment for them selves
1
Farming projects
1
1
Fire taps in streets, mobile police station.
1
Food bank
1
Food bank must be provided
1
Food reliefs
1
1
Garden Project and Network Signals
1
Garden or project
1
General Safety and security
1
Government provide cheap services
1
Government tractors
1
HOME AFFAIR OFFICE AND POLICE STATION
1
Help control the mashrooming of shebeens etc in residential areas
1
Home afairs
1
If the can provide food for peoples under treatment such as HIV patients to have enough to eat rather than taking tablets on ampty stomach.I am saying this out of experience
1
Improve on job opportunities
1
Improvement in sports
1
Insurance companies, Home affairs
1
Intertainment place in rock crest
1
Job creation
2
Job creation opportunities
1
Job creations.
1
Job opportunities
3
Jobs opportunities
1
Jobs opportunities and libraries and Police station
1
Livestock projects for the community
1
Loans to build standard houses, and give more financial assistance to kids
1
MTC need to improve their network accessibility.
1
Money and food
1
1
More job opportunities
3
More jobs to Namibians
1
More projects to help the community
1
Motivational programs in the community
1
Municipalitate
1
1
NETWORK TOWER
4
Need toilet close to them
1
Network
6
1
Network Signal
2
Network Signal and Veterinary Office
1
Network Signals
1
Network access
1
Network connection
2
Network coverage
3
Network towel
1
Network tower
3
None
1
Nothing
2
Offices like Home affair
1
Official documents
1
Open Market
1
Open market
1
Own house/@home
1
POLICE STATION
1
Petrol Service station
1
Petrol Station
1
Playground for the childred
1
Ploughing tractors
4
Police Station
3
Police Station and access to the network .
1
Police patrol to combat crime
1
Police station
5
Projects
2
Projects e.g. farming and gardening
1
Projects for Chickens or Vegetables
1
Projects for people to be employed
1
Projects to create Employment
1
Projects to create job oppotunities or own businesess
1
Projects to help get jobs in the community
1
Protection, Need to have the area cleaned
1
Provide Jobs for the youth, grinding mills
1
Provide Solar systems
1
Provide Tractor for farming
1
Provide houses to people or sell plots
1
Provide little livestock to poor people
1
Public Toilets
2
Public phones
1
Public toilets
2
Public waterpoint
1
1
Recreation facilities
1
Reduce the income tax
1
Regular communinty municipal metting
1
Response from police must be faster
1
Rubbish bins
1
Safety in and around the community
1
Salary increase
1
Security
1
Security protection
1
Service Station
1
Service station and kids playground
1
Service station/ Petrol station
1
Sewer system,
1
Shopping Mall and Network transfomers
1
Shopping centre around
1
Shopping centre.
1
Soccer field, Taxis
1
Sport Facilities
1
Street lights
1
Subsdized tractor for farming
1
Subsidized Activities like seeds and tractors
1
Support groups
1
TARRED ROAD
1
Taxi ranks
1
1
Toilet Facilities
2
Toilet facilities
3
Toilets
2
Toilets Facilities
1
Tools For Farming
1
WATER ponds (Omatale)
1
We need security or neirbourhoodwacth.
1
a community hall should be built
1
1
access to MTC network
1
access to electricity
1
1
access to electricity and toilets
1
access to loans
1
arrange houses in order and put street names
1
assistance in our farming , e.g. free tractor services
1
availabilty of jobs
1
better network
2
better sanitation
1
better security with the law inforcement
1
big trees in yards should be remove it once destroys our house
1
bring almost closer to our old people
1
bring buss stop closer
1
bring retail markets closer to the farms
1
1
build a market
1
build a school
1
build a service station
1
build hostel for secondary and tertiary institutions
1
building materials shops. police station.
1
1
by giving people assistant with livestocks
1
cell phone network
1
children do not go to school because there is no water at all
1
church
1
churches
1
close shebeens
1
1
closing of bars
1
community park's and gathering
1
community projects
1
creat jobs opportunities
1
1
create employment through projects
1
create job employment
1
create job opportunities
2
create job opportunity,
1
create more job opportunities
2
create new pension points that are close to us
1
create new projects to provide jobs for the community
1
create some job opportunities
1
create some jobs.
1
crop farming
1
distribution of lands
1
don't want to tell you
1
drought food
1
drought relief
3
drought relief food
2
drought relief programs
1
easy acces to affordable loans
1
education
1
employement
2
employment
1
employment creation
2
employment creation and crime prevention
1
employment for youth
3
empolyment
1
enough nurses
1
even with that health facilities we are having government should employ more stuff members to speed up the process
1
every household should at least get a 100 dollars
1
farming Implement like grn Tractors
1
farming Implents like gen tractors
1
farming Projects, and gardenings
1
farming implements
1
farming materials should be provided by GRN
1
filling station
1
financial aid
1
financial aid to some people
1
financial assistance
1
fire brigade
4
fire brigades
1
flood and rain water drainage system
1
food
2
food bank
1
food banking
2
food relief
1
food relief programs
1
food sponsership
1
food, I work to get food
1
for now we are fine with
1
for thier pay to increase amongst farm workers
1
free house. free water for pensioners
1
free training centres for youth empowerment
1
give erf numbers to the places. security measures, the authorities must come visit the people to listen to their needs. bring fire bridgate
1
good job opportunities
1
government financial assistance
1
government should bring projects
1
green scheme
2
green scheme , to create jobs
1
green scheme or garden
1
green scheme to create jobs
1
gridding mills
1
harambee
1
he says they need more job opportunities in the area
1
help each other
1
help in drought times. and during funerals
1
help the business people so they can employ others
1
houses renovation
1
improve the health facilities we are having
1
improved security
1
improving sanitation and police sub station
1
improving the water pipes
1
increase crime prevention
1
industrial development e.g Jobs
1
introduce play grounds , build police station and internet access
1
job creation
1
job opportunities
3
job opportunities to the youth
1
job opportunities, gardening programs
1
job opportunity
2
jobs
3
jobs, unemployment is very high
1
kindergarden
1
kindergarten
1
land for business
1
laundry
1
materials for ploughing, food bank
1
mentally of people must be change no streetlights
1
money management
1
money too little
1
more financial assistance
1
1
more job opportunities,
1
more jobs for people and safety in the area
1
more retail shops
1
more shops to be brought closer to them
1
municipality
1
1
network
5
network cellphone
1
network coverage
1
1
none
1
nothing
1
offices like ministry of home affairs
1
open market
2
orphan AGE in the community
1
patrolling by city police
1
pension shelter and a church
1
1
people need to be rehabilitated from alcohol because they are failing to take care of the kids because of alcohol
1
place so dirty
1
places to stay, sports field and street lights
1
ploughing tractors
1
police camp to reduce crime
1
1
police station
8
police station and network transformer
1
police station nearby,
1
police station nearby, fire brigade nearby, filling station,
1
police stations
1
project
1
project for people to be employed
1
projects
3
projects , for jobs
1
projects for people to be employed
1
projects to create employment
1
projects to create jobs
1
proper Network
1
proper road signs and speed humps and sufficient crossing points to pedestrians to avoid accidents
1
provide better food and jobs
1
provide farming implements
1
provide job opportunity
1
provide land
1
provide service land
1
1
public Toilets
1
public toilets
1
recreation facilities
1
recreational facilities and residential flats
1
safety
2
salary is too low
1
saving society
1
security
3
security more in drunks
1
security or police station
1
security service and police station
1
service station,close river band
1
serviced land
1
sewerage facilities
1
sewerage system
1
she says the bar's that are around their area should be relocated
1
1
shelter for kids
1
1
shopping centers
1
shops closer (supermarkets)
1
solar water pumps must be implemented
1
sport facilities
1
sport field, dustbin,
1
spritual leaders approaching the community from house to house
1
1
stop asking for security at financial institutions
1
stopping of alcohol and drug abuse
1
street vendors must be subsidised, doctors.
1
streetlights
2
sub police station
1
swimming pool and a park
1
the community to be clean
1
1
the need for more job opportunities
1
they have to bring shops and farming tools
1
1
they need more job opportunities or opportunities for businessestheir area
1
to be given land
1
to help unemployed youth
1
toilet
1
toilet facilities
4
toilet facility, and give land to the people in the community
1
toilets
5
toilets for old people
1
toilets,
1
too much alcohol we need to stop it.
1
tractor for government
1
tractors to work on our fields.
1
tv
1
1
village based projects, which can help people upgrade themselves
1
vocational school
1
vocational training centre
1
water for animals
3
1
we need a shoping mall nearby
1
we need land
1
we need our land to be leveled
1
we need toilets and taps
1
we want land
1
work
1
work opportunities
1
Q69 Ease of keeping up with financial commitments as an individual
Q69 How easy is it for you as an individual to keep up with your financial commitments?
[READ OUT. SINGLE MENTION ONLY.]
1858
5
1
Very difficult
838
2
Somewhat difficult
398
3
Neither easy nor difficult
274
4
Somewhat easy
215
5
Very easy
133
Sysmiss
5
Q70 Frequency of income received lasting until next time income is received
Q70 After you receive money, how often are you able to make it last until the next time you receive money?
[READ OUT. SINGLE MENTION ONLY.]
1858
5
1
Never
712
2
Seldom
687
3
Often
459
Sysmiss
5
Q71_1 Action taken when money runs out
Q71 What do you do if you run out of money?
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
1858
5
1
Will get the money from family and friends
1113
2
Will get the money from someone in the community
64
3
Will sell something to cover the costs
62
4
Will borrow the money from family and friends
110
5
Will borrow the money from someone in the community
36
6
Will borrow the money from the bank
33
7
Will borrow the money from another registered financial institution
5
8
Will borrow the money from a cash loan lender in the community
33
9
Will borrow the money from a savings group or Savings associations
2
10
Will get money from my savings
135
11
Other
265
Sysmiss
5
Q71_2 Action taken when money runs out
72 On a scale of 1-10, how easy or difficult is it for you to keep up with paying your accounts and meeting other financial commitments that you have on a monthly basis, where one (1) is not difficult at all, and ten (10) is very difficult?
299
1564
1
Will get the money from family and friends
0
2
Will get the money from someone in the community
60
3
Will sell something to cover the costs
25
4
Will borrow the money from family and friends
45
5
Will borrow the money from someone in the community
27
6
Will borrow the money from the bank
16
7
Will borrow the money from another registered financial institution
1
8
Will borrow the money from a cash loan lender in the community
23
9
Will borrow the money from a savings group or Savings associations
0
10
Will get money from my savings
74
11
Other
28
Sysmiss
1564
Q71_3 Action taken when money runs out
20
1843
1
Will get the money from family and friends
0
2
Will get the money from someone in the community
0
3
Will sell something to cover the costs
3
4
Will borrow the money from family and friends
2
5
Will borrow the money from someone in the community
3
6
Will borrow the money from the bank
1
7
Will borrow the money from another registered financial institution
2
8
Will borrow the money from a cash loan lender in the community
1
9
Will borrow the money from a savings group or Savings associations
1
10
Will get money from my savings
4
11
Other
3
Sysmiss
1843
Q71_4 Action taken when money runs out
4
1859
1
Will get the money from family and friends
0
2
Will get the money from someone in the community
0
3
Will sell something to cover the costs
0
4
Will borrow the money from family and friends
0
5
Will borrow the money from someone in the community
2
6
Will borrow the money from the bank
0
7
Will borrow the money from another registered financial institution
0
8
Will borrow the money from a cash loan lender in the community
0
9
Will borrow the money from a savings group or Savings associations
1
10
Will get money from my savings
0
11
Other
1
Sysmiss
1859
Q71_4 Action taken when money runs out (other specified)
297
1) I will get money from my parents
1
1)get money from my parents
1
And from employer
1
Ask my employer
1
Bank overdraft
1
Borrow from employer
1
Borrow money from my employers
1
Budgets accordingly to not run out
1
Credit card
1
Do odd jobs to get some money
1
Do piece of work
1
Do piece work
1
Do some piece of work to get money
1
Don't do anything
1
Don't run out of money, budget accordingly
1
Extra odd jobs
1
From employer
1
From piece of work
1
Get from mother
1
Get from my employers
1
I GET help from my employer
1
I Will sell up my livestock
1
I can also go to my neighbours
1
I do nothing
3
I do nothing will wait until something pop up
1
I do nothing,my only kid died
1
I do nothing.
1
I do piece job
2
1
1
I do piece job to be paid
1
I do piece of job
1
I do piece work
1
I don't do anything
2
I don't do anything I wait till the next time I get money
1
I don't do anything because I don't have any income
1
I don't earn money
1
I don't really run out of money
1
I dont get money
1
I get from the compony
1
I go to my boss
1
I have a unit trust saving account
1
I have transport business
1
I just wait until I get paid again
1
I just wait until the next time when I get money again
1
I only get money when my mother gets her pension
1
I try to look for part time jobs
1
I wait until I get
1
I wait until I get money the next time
1
I wait until I get other money
1
I will Sell Something to make money
1
I will ask my employer
1
I will ask my friend but not borrow
1
I will borrow from my employer
1
I will borrow from my employers
2
I will borrow money from my employer
1
I will do nothing
2
I will do some pity jobs like painting to get some money
1
I will ft the money from my Employer
1
I will get from employer.
1
I will get from families not friends and not borrowing
1
I will get from my Employer
1
I will get money from employer.
1
I will get money from my employer
1
I will go ask my boss
1
I will go borrow from my employers
1
I will help somebody and get money
1
I will just stay like that will wait till I get paid
1
I will just stay till I receive money again
1
I will sell my lifestock
1
I will until I sell something
1
I will wait until I get
1
I'm not working
1
It will never happen
1
Just do piece of work and get money
1
Just wait until the next tum I get money again
1
Loan from employer
2
Look for piece work
1
1
Never
1
Never and will never.
1
No one
1
None
1
Nothing
12
Nothing budget accordingly to monthly needs
1
Nothing do piecework again for me to get money again
1
Nothing wait for the next month salary.
1
Nothing, just wait for the next pay
1
Nothing, just wait till he get money again
1
Nothing, wait for next time when you will still get.
1
Nothing, wait till I gett pension
1
Nothing,wait for another piecework
1
Overdraft
2
Piece Work
1
Piece work
3
Remain like that till next payment
1
SPOUSES
1
Samaritan will come rescue me
1
Sell Kapana
1
Sell a chicken to get money
1
Sell a goat
1
Sell cattle
1
Sell wood for cash
1
She waits till she gets from relatives (She don't ask/borrow )
1
Spouse
1
Stays indoors and wait for pay day
1
TUCK SHOP
1
Take food for Cuca shops on credit
1
WAIT UNTIL NEXT MONTH
1
Wait for end of the month for the father to send money
1
Wait for next pay
1
Wait for someone to give me
1
Wait till end of the month
1
Wait to get pocket money from his father again
1
Waiting to the monthly end.
1
We plan accordingly and live within our means
1
Will just keep quite till I get
1
Will sell one of my livestock
1
1
always walking around the town looking for odd jobs to work and get something out of it,either in kind also
1
am still young to be experiencing such situations
1
ask from my employer
1
ask from my partner
1
ask from the boss
1
ask my employer
1
ask my spouse
1
ask to wash people clothes and get money
1
borow from my employer
1
borrow at employer
1
borrow from employer
2
borrow from employers
1
borrow from my employer
1
borrow money from employer
1
borrow money from friends
1
borrow money from my employer.
1
boyfriend
1
business
1
collect fire wood and sell
1
collect wood from the bush than sell it
1
do nothing
1
do piece work
2
do piecework
1
don't know
1
dont spend money if there is no money
1
employer
4
employers
2
from Employer
1
from boss
1
from employer
3
from my boss
1
from my employer
3
from taxi that I have
1
get a job
1
get from my employers
1
get from spouse
1
get money from his employer
1
haven't experienced such...
1
1
he will do nothing about it
1
i never run out of money
1
i wait until the next time when I get money
1
i work
1
it never happened
1
just struggle
1
1
keep quite till the next pay
1
loan at work
1
loan from employer
1
make sure never to run out of it
1
make sure that I don't run out of money
1
1
my employers
1
my employers will help me
1
my manager
1
never experianced such
1
never run out of money
1
never run out out of money
1
no one
6
no way to get cash
2
no where to go ask for money
1
none
7
nothing
20
nothing he says
1
nothing just remain without till I get from eighther my boyfriend or so
1
nothing just wait until we get money again
1
nothing,just wait for the next pay day
1
piecework
3
relax and wait for his next salary
1
sell kapana
1
sell lifestock
1
sell livestock
4
sell wood
1
selling my chickens
1
selling parrafin
1
sew clothers
1
she says they don't do anything..the don't aske or borrow. they just trust that God will provide
1
1
1
take food on credit in cuca shops
1
truffle to create some private job
1
try not to run out of money
1
use credit card
1
wait
1
wait for next month to get paid again
2
wait for next pay
1
wait for the next pay day
1
wait till I get paid again
1
wait till next month i get paid
1
wait until I get other money
1
wait until when I will still get.
1
waiting until end of the month , to receive from my relative
1
wash clothes at people's houses and get paid
1
we get assistance from church
1
we use grandmother pension grant
1
will ask employer
1
will ask my boss
1
will ask my employers
2
will ask my father
1
will ask the boss
1
will borrow from employer
1
will borrow from my employer
1
will just stay without money
1
will just wait end of the month
1
1
will stay until the next salary
1
will wait till next pay
1
will wait until I get other money
1
work to get money
1
Q72 Ease of paying accounts and meeting other financial commitments
Q73 Please tell us how much you agree or disagree with the following statements:
[READ OUT. SINGLE MENTION PER STATEMENT ONLY.]
1858
5
1
Not difficult at all
211
2
121
3
151
4
140
5
257
6
111
7
141
8
175
9
128
10
Very difficult
423
Sysmiss
5
Q73a Agree/Disagree: You buy things even if you cannot afford them
Q73 Please tell us how much you agree or disagree with the following statements:
[READ OUT. SINGLE MENTION PER STATEMENT ONLY.]
1857
6
1
Strongly agree
71
2
Agree
261
3
Neither agree nor disagree
170
4
Disagree
933
5
Strongly disagree
422
Sysmiss
6
Q73b Agree/Disagree: You would rather buy something on credit than waiting to sa
1857
6
1
Strongly agree
120
2
Agree
357
3
Neither agree nor disagree
206
4
Disagree
818
5
Strongly disagree
356
Sysmiss
6
Q73c Agree/Disagree: You consider yourself organised when it comes to managing y
1857
6
1
Strongly agree
394
2
Agree
920
3
Neither agree nor disagree
306
4
Disagree
197
5
Strongly disagree
40
Sysmiss
6
Q73d Agree/Disagree: You consider yourself a saver rather than a spender
1857
6
1
Strongly agree
351
2
Agree
732
3
Neither agree nor disagree
322
4
Disagree
358
5
Strongly disagree
94
Sysmiss
6
Q73e Agree/Disagree: You like to be in control of your finances and money matter
1857
6
1
Strongly agree
446
2
Agree
1063
3
Neither agree nor disagree
202
4
Disagree
125
5
Strongly disagree
21
Sysmiss
6
Q73f Agree/Disagree: You often have to spend more money than what you have avail
1857
6
1
Strongly agree
111
2
Agree
394
3
Neither agree nor disagree
276
4
Disagree
825
5
Strongly disagree
251
Sysmiss
6
Q73g Agree/Disagree: Dealing with finances is stressful
1857
6
1
Strongly agree
628
2
Agree
768
3
Neither agree nor disagree
179
4
Disagree
222
5
Strongly disagree
60
Sysmiss
6
Q73h Agree/Disagree: You are impulsive in terms of spending money
1857
6
1
Strongly agree
78
2
Agree
379
3
Neither agree nor disagree
389
4
Disagree
770
5
Strongly disagree
241
Sysmiss
6
Q74.1 Frequency of keeping record of income
Q74.1 How frequently do you keep record of the money you get?
[READ OUT. SINGLE MENTION ONLY.]
1856
7
1
Never
1080
2
Daily
95
3
Weekly
101
4
Monthly
531
5
Annually
49
Sysmiss
7
Q74.2 Frequency of keeping record of spending
Q74.2 How frequently do you keep record of your spending?
[READ OUT. SINGLE MENTION ONLY.]
1856
7
1
Never
1112
2
Daily
98
3
Weekly
101
4
Monthly
508
5
Annually
37
Sysmiss
7
Q75 Frequency of saving
Q75 How often, if ever, do you save?
[READ OUT. SINGLE MENTION ONL
1856
7
1
Do not save at all
411
2
Save on a daily basis
24
3
Save on a weekly basis
55
4
Save on a monthly basis
713
5
Save if and when have extra money
653
Sysmiss
7
Q76 Does respondent and/or household plan spending of income in order for it to
Q76 When you get money, do you plan how you are going to spend this money to make sure that it lasts until you get money ?again
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1856
7
1
Yes
1381
2
No
475
Sysmiss
7
Q77.1 Is plan changed in case of unexpected expenditure?
Q77.1 [IF YES TO Q76, ASK:] Do you change this plan if you have to pay for something unexpected, like a medical or funeral expense for example?
[READ OUT. SINGLE MENTION ONLY.]
1382
481
1
Yes
1065
2
No, do not change my plan because I make provision for unexpected events
170
3
No, stick to my plan and find other sources of money to cover unexpected expense
147
Sysmiss
481
Q77.2 Frequency of sticking to this plan
Q77.2 [IF YES TO Q76, ASK:] On a scale of 1-10, how often do you normally stick to this plan, where one (1) is never and ten (10) is always?
1382
481
1
Never
58
2
56
3
99
4
116
5
302
6
184
7
169
8
147
9
50
10
Always
201
Sysmiss
481
Q77.3 Do you have a general plan that you use every time, or do you make a new p
Q77.3 [IF YES TO Q76, ASK:] Do you have a general plan that you use every time, or do you make a new plan every time, based on your income?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1382
481
1
General plan
465
2
Plan according to my income
917
Sysmiss
481
Q78 When income is received, are certain things prioritised in terms of spending
Q78 When you get money, are there things you make sure you pay before you do anything else with your money? [DO NOT READ OUT. SINGLE MENTION ONLY.]
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1856
7
1
Yes
1563
2
No
293
Sysmiss
7
Q79 _1 Three items paid for or bought when money is received
Q79 [IF YES TO Q78, ASK:] What are the TOP THREE (3) things that you pay for or buy when you get money?
[DO NOT READ OUT. ONLY THREE MENTIONS POSSIBLE.]
1564
299
1
Buy food and other groceries
1450
2
Buy air time or credit for my cell phone
9
3
Pay for my internet
1
4
Set aside money to pay for fuel and transportation (taxi fare; bus fare and fuel
22
5
Set aside money to pay for accommodation
32
6
Set aside money to pay for general household items
17
7
Buy electricity
27
8
Pay store accounts
2
9
Buy medication
1
10
Pay landline telephone or internet account
2
11
Pay water bill
0
12
Pay loan
1
13
Set aside money for saving or investment
0
14
Other
0
Sysmiss
299
Q79 _2 Three items paid for or bought when money is received
1564
299
1
Buy food and other groceries
0
2
Buy air time or credit for my cell phone
192
3
Pay for my internet
5
4
Set aside money to pay for fuel and transportation (taxi fare; bus fare and fuel
151
5
Set aside money to pay for accommodation
162
6
Set aside money to pay for general household items
440
7
Buy electricity
274
8
Pay store accounts
63
9
Buy medication
47
10
Pay landline telephone or internet account
6
11
Pay water bill
144
12
Pay loan
24
13
Set aside money for saving or investment
56
14
Other
0
Sysmiss
299
Q79 _3 Three items paid for or bought when money is received
1564
299
1
Buy food and other groceries
0
2
Buy air time or credit for my cell phone
0
3
Pay for my internet
1
4
Set aside money to pay for fuel and transportation (taxi fare; bus fare and fuel
18
5
Set aside money to pay for accommodation
24
6
Set aside money to pay for general household items
132
7
Buy electricity
80
8
Pay store accounts
65
9
Buy medication
39
10
Pay landline telephone or internet account
2
11
Pay water bill
516
12
Pay loan
61
13
Set aside money for saving or investment
226
14
Other
400
Sysmiss
299
Q79 _3 Three items paid for or bought when money is received (other)
400
A goat
1
And renting
1
Batteries for lighting
1
Blanket
1
Booklets and pens
1
Build house
1
Building materials
1
But clothes
1
Buy Clothing
1
Buy Toiletries
1
Buy a domestic animal first
1
1
Buy clothes
4
Buy clothes and shoes
1
Buy clothing and shoes
1
Buy clothing.
3
Buy cloths
1
Buy cosmetics
1
Buy firewood.
1
Buy gas
1
Buy livestock
1
Buy lotion
1
Buy medication for animals.
1
Buy my kids clothes
1
Buy my products to resell.
1
Buy nappies
1
Buy school uniform
1
Buy school wear for the children
1
Buying Clothes
1
Buying chicken
1
By cabbage for selling
1
Child support
1
Child's Education
1
Child's education.
1
Children education
3
Church contribution
1
Clothes
3
Clothes for children
2
Clothing
3
Clothing Account
1
Contribution to church
1
Contribution towards church
1
Cosmetics
7
DSTv
1
Dstv
1
Education
4
Education fees
2
Education for children
3
Family
1
Firewood
1
Help out my family
1
I Will buy my clothes
1
I buy Clothes
1
I buy clothes
3
I buy clothes for my children
1
I buy my clothes
1
I buy my uniform and pay for the Hostel
1
1
I paid back the money that I have borrowed
1
I pay for medication
1
I pay for my credit
1
I pay for my debts
2
I pay for the land
1
I pay my Education
1
I pay my debt
1
I pay my domestic worker
2
I pay my transport fees
1
I pay people to work for me
1
I pay school fees
1
Insurance
2
1
Kids school expenses.
1
1
MONEY ASIDE FOR EMERGENCY
1
Maintenance for the baby.
1
Medical staff
1
My kids education
1
My own school
1
PAY rent
2
1
PUT ASIDE HOSPITAL /CLINIC MONEY
1
Pay Child Education
1
Pay education for children
1
Pay electricity bills,
1
Pay farm workers
1
1
Pay for children's education
1
Pay for farming activities
1
Pay for my debts
1
Pay for my kids education and clothes.
1
Pay for school costs.
1
1
Pay for the education of my kids
1
Pay for the kid's education
1
Pay my tithe
1
Pay my tithes to the church
1
Pay my worker
1
Pay one of my kid school fee
1
Pay policies
2
Pay the person that looks after my livestock.
1
Pay workers on farm
1
Policies
1
Put money aside for my children education
1
Put money aside to help me at school
1
Rent
1
Rentin
1
1
School Stationery
1
School child Fees
1
School fees
2
School fees and my policy
1
Send money to children
2
Send money to family
2
Send money to kids
1
Send money to my children
1
Send money to my kids
1
Send money to patent
1
Send some of the money to my family member to help themselves
1
1
Sent money to parents
1
Sent money to parents.
1
Sent money to relatives.
1
Set aside money for transport
1
Set money aside for the school kids
1
Soap
2
Soaps
1
Stationeries
1
Support family
1
Toilet tries
1
Toiletries
6
University ,
1
and clothing
1
and paying for her tv
1
assist my family
1
assisting family members
1
blankets and clothing
1
bridesmaid clothers
1
building material
1
but medication
1
buy Clothing
1
buy a gas
1
buy clothes
10
buy clothes and pay DSTV account
1
buy clothing
1
buy fire wood
1
buy firewood
1
buy food for my chickens
1
buy gas
1
buy materials
1
buy my clothes
4
buy my kids clothes
1
buy oil for light
1
buy school wear for my grand children
1
buy toiletries
3
buy toiletries and clothes plus transport to were ever I want or so
1
buying cooking pots
1
buying cookingpots and plates
1
buying my clothes
1
buying school uniform
1
buying school wear for the children
1
buying things for ther children for example school uniform
1
buying toiletries
1
car installment
3
car instalment
1
care for kids
1
child
1
children
1
children's clothes,
1
church
1
church contribution
1
church fares
1
church tithes
1
cloth and toiletries
1
clothe
1
clothers
1
clothers and toiletries
1
clothes
8
clothes ,toiletries
1
clothes and school items
1
clothes for my kid
1
clothing
2
clothing and blankets
1
cosmetics
2
cosmetics and clothes
1
education fees
1
field work
1
1
first pay my (tieth ) church money
1
gas
2
get my gas filled
1
give back money borrowed
1
give money to her parents
1
give some money to my parents
1
gym membership
1
he buys clothes
1
1
her policies at various organizations
1
his car
1
house bills
1
insurace
1
insurance and policies
1
kids clothes
1
l pay my debt
1
levy and car insurance
1
livestock medication
1
make up and my son toys
1
medical aid
1
money for kids education
1
money for my kid and rent
1
money for school of the kids
1
money to go eat with daily to school
1
monthly Installment for the car
1
neppies
1
new stock for my business
1
only that
1
1
paid my works
1
paid nanny
1
paraffin
1
parents allowance
1
pay church fees
1
pay for gym membership
1
pay for my daughters school
1
pay for school fees
1
pay for school for thechild
1
pay for the rent
1
pay my accounts
1
pay my children's school fees
1
pay my credit card
1
pay my debts and my clothes
1
pay my employee
1
pay my medical aid
1
pay my policy, school fees and pay my business renting
1
pay my tithes
1
pay off debts if I had
1
pay people's debts
1
pay policies
1
pay policy
1
pay rent
2
pay school
1
pay school fee
2
pay school fees
2
1
pay tithes at church
1
pay workers
1
pay workers in wambuland
1
paying for he's studies
1
paying for my brother's school fee
1
paying of medical aid
1
pays credit
1
playing the domestic workers, and school fees
1
provide for my grandchild
1
put money aside for my gas
1
put money aside for my parrafin
1
putting aside for all my accounts
1
remittance
1
rent
2
salaries
1
schoo fees
1
school fee
3
school fee for my baby
1
school fees
2
school fees and petrol money
1
school fees for his kids
1
school fees private school
1
school materials
3
school uniform
1
school uniforms for the kids
1
send money for kids
1
send money for my kid
1
send money home
1
send money home to my families
1
send money to kids
3
send money to kids at tertiary institutions
1
send money to ma parents
1
send money to my child
1
send money to my mom for my kid
1
send money to my mother
1
send money to the farm
1
send money to the kids
1
send my parents money
1
send parents money
1
send to my parents
1
send to parents
2
send to the family
1
sent money to my kids
1
1
set aside money for medical emergency
3
set money aside for medical emergency
1
1
set money aside to use in case of emergency and also use it to finish building my other DU
1
spend on friends
1
stationary
1
stationery
1
take care for dads medicine
1
that's all
6
tithes
2
to Help for farming activities
1
to buy my clothes
1
to pay at the hospital
1
to send my parents money
1
toilet tries
3
toiletries
7
vehicle
1
vitamins
1
wood
1
Q80a Agree/Disagree: You will go without certain things to be able to save
Q80 Please tell me how much you agree or disagree with the following statements:
[READ OUT. SINGLE MENTION PER STATEMENT ONLY.]
1856
7
1
Strongly agree
310
2
Agree
808
3
Neither agree nor disagree
217
4
Disagree
361
5
Strongly disagree
160
Sysmiss
7
Q80b Agree/Disagree: You believe that you have to save for difficult times, even
1856
7
1
Strongly agree
542
2
Agree
943
3
Neither agree nor disagree
158
4
Disagree
159
5
Strongly disagree
54
Sysmiss
7
Q80c Agree/Disagree: You believe it is better to save where your money is safe t
1856
7
1
Strongly agree
452
2
Agree
925
3
Neither agree nor disagree
211
4
Disagree
147
5
Strongly disagree
121
Sysmiss
7
Q81a Agree/Disagree: When you buy something on credit, you will find that it end
Q81 Please tell me how much you agree or disagree with the following statements:
[READ OUT. SINGLE MENTION PER STATEMENT ONLY.]
1856
7
1
Strongly agree
507
2
Agree
782
3
Neither agree nor disagree
301
4
Disagree
212
5
Strongly disagree
54
Sysmiss
7
Q81b Agree/Disagree: You avoid borrowing money if you can
1856
7
1
Strongly agree
603
2
Agree
896
3
Neither agree nor disagree
124
4
Disagree
158
5
Strongly disagree
75
Sysmiss
7
Q81c Agree/Disagree: If you borrow money, it is okay to pay it back a little bit
1856
7
1
Strongly agree
113
2
Agree
323
3
Neither agree nor disagree
239
4
Disagree
812
5
Strongly disagree
369
Sysmiss
7
Q81d Agree/Disagree: It is okay to borrow money to pay back outstanding debt
1856
7
1
Strongly agree
55
2
Agree
276
3
Neither agree nor disagree
228
4
Disagree
845
5
Strongly disagree
452
Sysmiss
7
Q81e Agree/Disagree: You have a good idea of the amount of interest that you pay
1856
7
1
Strongly agree
219
2
Agree
646
3
Neither agree nor disagree
469
4
Disagree
394
5
Strongly disagree
128
Sysmiss
7
Q81f Agree/Disagree: Being able to borrow money when you need it is more importa
1856
7
1
Strongly agree
115
2
Agree
486
3
Neither agree nor disagree
420
4
Disagree
647
5
Strongly disagree
188
Sysmiss
7
Q81g Agree/Disagree: It is better to have debt, than to sell something in order
1856
7
1
Strongly agree
137
2
Agree
369
3
Neither agree nor disagree
262
4
Disagree
788
5
Strongly disagree
300
Sysmiss
7
Q81h Agree/Disagree: It is better to keep your savings than to use it to pay off
1856
7
1
Strongly agree
181
2
Agree
536
3
Neither agree nor disagree
279
4
Disagree
595
5
Strongly disagree
265
Sysmiss
7
Q82_1 Financial product awareness
[DO NOT READ. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.] UNAIDED AWARENESS
1856
7
1
Medical Aid products
451
2
Pension Fund products
79
3
Short term insurance
33
4
Life insurance
99
5
Friendly societies
8
6
Unit trust
22
7
Investment products (e.g. Bonds, unit trust)
13
8
Mobile Money / Wallet money
282
9
Bank account
410
10
Other
13
11
None
446
Sysmiss
7
Q82_2 Financial product awareness
933
930
1
Medical Aid products
0
2
Pension Fund products
301
3
Short term insurance
36
4
Life insurance
100
5
Friendly societies
5
6
Unit trust
11
7
Investment products (e.g. Bonds, unit trust)
18
8
Mobile Money / Wallet money
117
9
Bank account
327
10
Other
18
11
None
0
Sysmiss
930
Q82_3 Financial product awareness
571
1292
1
Medical Aid products
0
2
Pension Fund products
0
3
Short term insurance
146
4
Life insurance
114
5
Friendly societies
8
6
Unit trust
20
7
Investment products (e.g. Bonds, unit trust)
14
8
Mobile Money / Wallet money
104
9
Bank account
153
10
Other
12
11
None
0
Sysmiss
1292
Q82_4 Financial product awareness
396
1467
1
Medical Aid products
0
2
Pension Fund products
0
3
Short term insurance
0
4
Life insurance
134
5
Friendly societies
11
6
Unit trust
23
7
Investment products (e.g. Bonds, unit trust)
11
8
Mobile Money / Wallet money
96
9
Bank account
118
10
Other
3
11
None
0
Sysmiss
1467
Q82_5 Financial product awareness
274
1589
1
Medical Aid products
0
2
Pension Fund products
0
3
Short term insurance
0
4
Life insurance
0
5
Friendly societies
44
6
Unit trust
36
7
Investment products (e.g. Bonds, unit trust)
25
8
Mobile Money / Wallet money
57
9
Bank account
109
10
Other
3
11
None
0
Sysmiss
1589
Q82_6 Financial product awareness
164
1699
1
Medical Aid products
0
2
Pension Fund products
0
3
Short term insurance
0
4
Life insurance
0
5
Friendly societies
0
6
Unit trust
29
7
Investment products (e.g. Bonds, unit trust)
31
8
Mobile Money / Wallet money
40
9
Bank account
61
10
Other
3
11
None
0
Sysmiss
1699
Q82_7 Financial product awareness
101
1762
1
Medical Aid products
0
2
Pension Fund products
0
3
Short term insurance
0
4
Life insurance
0
5
Friendly societies
0
6
Unit trust
0
7
Investment products (e.g. Bonds, unit trust)
24
8
Mobile Money / Wallet money
34
9
Bank account
41
10
Other
2
11
None
0
Sysmiss
1762
Q82_8 Financial product awareness
63
1800
1
Medical Aid products
0
2
Pension Fund products
0
3
Short term insurance
0
4
Life insurance
0
5
Friendly societies
0
6
Unit trust
0
7
Investment products (e.g. Bonds, unit trust)
0
8
Mobile Money / Wallet money
20
9
Bank account
38
10
Other
5
11
None
0
Sysmiss
1800
Q82_9 Financial product awareness
24
1839
1
Medical Aid products
0
2
Pension Fund products
0
3
Short term insurance
0
4
Life insurance
0
5
Friendly societies
0
6
Unit trust
0
7
Investment products (e.g. Bonds, unit trust)
0
8
Mobile Money / Wallet money
0
9
Bank account
20
10
Other
4
11
None
0
Sysmiss
1839
Q82_10 Financial product awareness (other specified)
63
0
Bank loans
5
Bank loans and busaries
1
Bank loans and study policy
1
Cash loan
2
Funeral cover products
1
Lawyers
1
Legal Aid
1
Loan
1
Loans
2
Micro renders
1
NSFAF
1
Nampost
11
Shares
1
Study policy for my child
1
bank interest
1
bank loans
3
bank loans and interests
1
call account
1
cash loan
2
credit card
1
house loans
1
interest
1
loan
3
microleders
1
microlenders
1
nampost
13
saving and interest
1
smart account
1
smart card
2
Q83.1 Financial institutions awareness
Q83.1 I am now going to read to you a list of financial institutions and I would like you to tell me which of these financial institutions you are aware of.
[READ OUT.] AIDED AWARENESS
1856
7
1
Medical Aid Funds
405
2
Pension Funds
113
3
Short term insurance companies
32
4
Life insurance companies
90
5
Provident Fund companies
1
6
Friendly societies
10
7
Unit trust management companies
8
8
Investment products management companies (e.g. Bonds, unit trust)
8
9
Microlenders (MFI)
71
10
Commercial Banks
423
11
Savings bank (Nampost)
275
12
None
420
Sysmiss
7
Q83.2 Financial institutions awareness
834
1029
1
Medical Aid Funds
0
2
Pension Funds
273
3
Short term insurance companies
35
4
Life insurance companies
87
5
Provident Fund companies
3
6
Friendly societies
5
7
Unit trust management companies
6
8
Investment products management companies (e.g. Bonds, unit trust)
10
9
Microlenders (MFI)
39
10
Commercial Banks
180
11
Savings bank (Nampost)
196
12
None
0
Sysmiss
1029
Q83.3 Financial institutions awareness
543
1320
1
Medical Aid Funds
0
2
Pension Funds
0
3
Short term insurance companies
121
4
Life insurance companies
107
5
Provident Fund companies
3
6
Friendly societies
7
7
Unit trust management companies
9
8
Investment products management companies (e.g. Bonds, unit trust)
9
9
Microlenders (MFI)
46
10
Commercial Banks
107
11
Savings bank (Nampost)
134
12
None
0
Sysmiss
1320
Q83.4 Financial institutions awareness
353
1510
1
Medical Aid Funds
0
2
Pension Funds
0
3
Short term insurance companies
0
4
Life insurance companies
112
5
Provident Fund companies
3
6
Friendly societies
10
7
Unit trust management companies
9
8
Investment products management companies (e.g. Bonds, unit trust)
9
9
Microlenders (MFI)
57
10
Commercial Banks
79
11
Savings bank (Nampost)
74
12
None
0
Sysmiss
1510
Q83.5 Financial institutions awareness
252
1611
1
Medical Aid Funds
0
2
Pension Funds
0
3
Short term insurance companies
0
4
Life insurance companies
0
5
Provident Fund companies
27
6
Friendly societies
13
7
Unit trust management companies
13
8
Investment products management companies (e.g. Bonds, unit trust)
21
9
Microlenders (MFI)
30
10
Commercial Banks
80
11
Savings bank (Nampost)
68
12
None
0
Sysmiss
1611
Q83.6 Financial institutions awareness
167
1696
1
Medical Aid Funds
0
2
Pension Funds
0
3
Short term insurance companies
0
4
Life insurance companies
0
5
Provident Fund companies
0
6
Friendly societies
15
7
Unit trust management companies
16
8
Investment products management companies (e.g. Bonds, unit trust)
8
9
Microlenders (MFI)
29
10
Commercial Banks
30
11
Savings bank (Nampost)
69
12
None
0
Sysmiss
1696
Q83.7 Financial institutions awareness
95
1768
1
Medical Aid Funds
0
2
Pension Funds
0
3
Short term insurance companies
0
4
Life insurance companies
0
5
Provident Fund companies
0
6
Friendly societies
0
7
Unit trust management companies
8
8
Investment products management companies (e.g. Bonds, unit trust)
15
9
Microlenders (MFI)
10
10
Commercial Banks
27
11
Savings bank (Nampost)
35
12
None
0
Sysmiss
1768
Q83.8 Financial institutions awareness
58
1805
1
Medical Aid Funds
0
2
Pension Funds
0
3
Short term insurance companies
0
4
Life insurance companies
0
5
Provident Fund companies
0
6
Friendly societies
0
7
Unit trust management companies
0
8
Investment products management companies (e.g. Bonds, unit trust)
8
9
Microlenders (MFI)
10
10
Commercial Banks
15
11
Savings bank (Nampost)
25
12
None
0
Sysmiss
1805
Q83.9 Financial institutions awareness
31
1832
1
Medical Aid Funds
0
2
Pension Funds
0
3
Short term insurance companies
0
4
Life insurance companies
0
5
Provident Fund companies
0
6
Friendly societies
0
7
Unit trust management companies
0
8
Investment products management companies (e.g. Bonds, unit trust)
0
9
Microlenders (MFI)
7
10
Commercial Banks
11
11
Savings bank (Nampost)
13
12
None
0
Sysmiss
1832
Q84.1 Knowledge rating: Banking products
Q84.1 On a scale of 1-10, how would you rate your knowledge of BANKING PRODUCTS, where one (10) is very poor, and ten (10) is very good?
1856
7
1
Very poor
446
2
177
3
157
4
125
5
255
6
149
7
145
8
143
9
70
10
Very good
189
Sysmiss
7
Q84.2 Knowledge rating: Life insurance products
Q84.2 On a scale of 1-10, how would you rate your knowledge of LIFE INSURANCE PRODUCTS, where one (10) is very poor, and ten (10) is very good?
1856
7
1
Very poor
780
2
229
3
165
4
123
5
182
6
101
7
75
8
83
9
25
10
Very good
93
Sysmiss
7
Q84.3 Knowledge rating: Short term insurance products
Q84.3 On a scale of 1-10, how would you rate your knowledge of SHORT TERM INSURANCE PRODUCTS, where one (1) is very poor, and ten (10) is very good?
1856
7
1
Very poor
879
2
265
3
183
4
134
5
167
6
56
7
59
8
50
9
19
10
Very good
44
Sysmiss
7
Q84.4 Knowledge rating: Medical aid fund products
Q84.4 On a scale of 1-10, how would you rate your knowledge of MEDICAL AID FUND PRODUCTS, where one (1) is very poor, and ten (10) is very good?
1856
7
1
Very poor
819
2
227
3
172
4
109
5
154
6
87
7
71
8
78
9
42
10
Very good
97
Sysmiss
7
Q84.5 Knowledge rating: Pension fund products
Q84.5 On a scale of 1-10, how would you rate your knowledge of PENSION FUND PRODUCTS, where one (10) is very poor, and ten (10) is very good?
1856
7
1
Very poor
789
2
228
3
188
4
113
5
157
6
90
7
74
8
92
9
33
10
Very good
92
Sysmiss
7
Q84.6 Knowledge rating: Provident fund products
Q84.6 On a scale of 1-10, how would you rate your knowledge of PROVIDENT FUND PRODUCTS, where one (1) is very poor, and ten (10) is very good?
1856
7
1
Very poor
1060
2
272
3
187
4
92
5
119
6
34
7
26
8
26
9
11
10
Very good
29
Sysmiss
7
Q84.7 Knowledge rating: Investment products
Q84.7 On a scale of 1-10, how would you rate your knowledge of INVESTMENT PRODUCTS, where one (10) is very poor, and ten (10) is very good?
1856
7
1
Very poor
935
2
277
3
160
4
101
5
136
6
53
7
61
8
48
9
29
10
Very good
56
Sysmiss
7
Q84.8 Knowledge rating: Friendly society products
Q84.8 On a scale of 1-10, how would you rate your knowledge of FRIENDLY SOCIETY PRODUCTS, where one (1) is very poor, and ten (10) is very good?
1856
7
1
Very poor
1006
2
296
3
197
4
107
5
107
6
47
7
18
8
22
9
22
10
Very good
34
Sysmiss
7
Q84.9 Knowledge rating: Unit trust management products
Q84.8 On a scale of 1-10, how would you rate your knowledge of FRIENDLY SOCIETY PRODUCTS, where one (1) is very poor, and ten (10) is very good?
1856
7
1
Very poor
1040
2
286
3
189
4
78
5
97
6
41
7
33
8
42
9
22
10
Very good
28
Sysmiss
7
Q84.10 Knowledge rating: Microlender products
Q84.10 On a scale of 1-10, how would you rate your knowledge of MICROLENDER PRODUCTS, where one (10) is very poor, and ten (10) is very good?
1856
7
1
Very poor
922
2
238
3
165
4
113
5
133
6
81
7
66
8
63
9
17
10
Very good
58
Sysmiss
7
Q84.11 Knowledge rating: Savings bank products
Q84.11 On a scale of 1-10, how would you rate your knowledge of SAVINGS BANK PRODUCTS, where one (1) is very poor, and ten (10) is very good?
1856
7
1
Very poor
501
2
151
3
130
4
110
5
183
6
150
7
147
8
192
9
81
10
Very good
211
Sysmiss
7
Q84.11 Knowledge rating: Savings bank products
Q84.12 On a scale of 1-10, how would you rate your knowledge of MOBILE MONEY, where one (10) is very poor, and ten (10) is very good?
1856
7
1
Very poor
569
2
184
3
103
4
86
5
149
6
116
7
145
8
142
9
95
10
Very good
267
Sysmiss
7
Q85 Have you ever obtained a formal financial product?
Q85 Have you ever obtained a formal financial product?
1856
7
1
Yes
430
2
No
1426
Sysmiss
7
Q86 When getting a financial product, do you ask for a copy of the contract?
Q86 When getting a formal financial product, do you ask for a copy of the contract?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
430
1433
1
Yes
269
2
No
161
Sysmiss
1433
Q87 Did you receive a copy of the contract or terms and conditions upon obtainin
Q87 In the past six (6) months, when you have obtained formal financial products, did you receive a copy of the contract or terms and conditions? Was it for all of them, or only some of them?
[DO NOT READ OUT. FIRST ESTABLISH WHETHER THE ANSWER IS YES OR NO AND THEN IF YES, ASK:]
431
1432
1
No contract received
138
2
Yes for some of them
58
3
Yes for all of them
65
4
No product received in the past 6 months
170
Sysmiss
1432
Q88 If you received a contract in the last 6 months, did you read it, or was it
Q88. [IF YES TO Q87, ASK:] If you have received a contract in the past six (6) months, did you read it, or was it read to you by the consultant/broker/agent?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
123
1740
1
Read it myself
100
2
Someone read it to me
14
3
Did not read it, neither did someone read it to me
9
Sysmiss
1740
Q89 Degree of understanding of contracts obtained and read in the past 6 months
Q89 On a scale of one 1-10, where one (1) is not at all, and ten (10) is very well, how well would you say did you understand the contract(s) that you have obtained and read in the past six (6) months?
114
1749
1
Not at all
1
2
3
3
5
4
5
5
13
6
8
7
14
8
22
9
9
10
Very well
34
Sysmiss
1749
Q90.1 Frequency of reading economic section of the newspapers
Q90.1 How often do you read the economic section of the newspaper(s)?
[READ OUT. SINGLE MENTION ONLY.]
1856
7
1
Daily
124
2
Weekly
253
3
Monthly
304
4
Never
1175
Sysmiss
7
Q90.2 Frequency of listening to economic talks or programmes on radio
Q90.2 How often do you listen to economic talks or programs on the radio?
[READ OUT. SINGLE MENTION ONLY.]
1856
7
1
Daily
357
2
Weekly
286
3
Monthly
226
4
Never
987
Sysmiss
7
Q90.3 Frequency of watching economic proggrammes on television
Q90.3 How often, do you watch economic programs on the television? [READ OUT. SINGLE MENTION ONLY.]
1856
7
1
Daily
258
2
Weekly
181
3
Monthly
129
4
Never
1288
Sysmiss
7
Q91 Degree of interest in economic matters
Q91 In general, how interested would you say are you in economic matters, where one (1) is not interested at all, and ten (10) is very interested?
1856
7
1
Not interested at all
389
2
155
3
151
4
147
5
272
6
148
7
143
8
116
9
65
10
Very interested
270
Sysmiss
7
Q92_1 Sources of financial information for important financial decisions
Q92 When you have to make an important financial decision, who do you ask or who do you get information from to make sure that you make the right decision?
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
1856
7
1
Spouse/Partner
520
2
Relatives
830
3
Colleagues at work
30
4
Church members
2
5
A financial advisor
57
6
Traditional headman in the area
1
7
The bank
58
8
I make decisions based on my own information
209
9
Broker
5
10
Internet
8
11
Informal financial institutions/associations
3
12
Other
133
Sysmiss
7
Q92_2 Sources of financial information for important financial decisions
313
1550
1
Spouse/Partner
0
2
Relatives
100
3
Colleagues at work
19
4
Church members
5
5
A financial advisor
36
6
Traditional headman in the area
4
7
The bank
51
8
I make decisions based on my own information
46
9
Broker
7
10
Internet
4
11
Informal financial institutions/associations
4
12
Other
37
Sysmiss
1550
Q92_3 Sources of financial information for important financial decisions
44
1819
1
Spouse/Partner
0
2
Relatives
0
3
Colleagues at work
8
4
Church members
2
5
A financial advisor
3
6
Traditional headman in the area
0
7
The bank
10
8
I make decisions based on my own information
7
9
Broker
6
10
Internet
3
11
Informal financial institutions/associations
0
12
Other
5
Sysmiss
1819
Q92_4 Sources of financial information for important financial decisions
11
1852
1
Spouse/Partner
0
2
Relatives
0
3
Colleagues at work
0
4
Church members
0
5
A financial advisor
1
6
Traditional headman in the area
1
7
The bank
2
8
I make decisions based on my own information
0
9
Broker
4
10
Internet
2
11
Informal financial institutions/associations
1
12
Other
0
Sysmiss
1852
Q92_5 Sources of financial information for important financial decisions
2
1861
1
Spouse/Partner
0
2
Relatives
0
3
Colleagues at work
0
4
Church members
0
5
A financial advisor
0
6
Traditional headman in the area
0
7
The bank
1
8
I make decisions based on my own information
0
9
Broker
1
10
Internet
0
11
Informal financial institutions/associations
0
12
Other
0
Sysmiss
1861
Q92_6 Sources of financial information for important financial decisions (other
175
1) my parent's
1
A good friend
1
Alone
12
Ask colleagues, Read books
1
Ask from one of the trusted community member
1
Auntie
1
Best friend
1
Colleague at home
1
Community member and neighbours
1
Community members
2
Community members and neighbours
1
Employer
1
Friend
10
Friend's
1
Friends
15
Friends and experts
1
From friends
1
From parents
1
HIS FRIENDS
1
Head man and teachers
1
Headman
1
Husband
1
I am still schooling I don't make any decision
1
I do not ask any1
1
I don't ask any one
1
I don't work and don't make any financial decisions
1
I make my own decision
1
I rely on myself
1
Iam not working
1
My employer
2
My friend
1
My friend and my employer
1
My neighbours
1
My self
1
Near by school Principal
1
Neighbour
4
Neighbours
3
No body
1
No one
4
No one yet
1
None
4
Other Relative
1
Other non-relative
1
Parent
1
Parent's
1
Parents
2
a friend
1
advicers
1
alone
1
asking to god through prayers
1
boss
1
business people
1
children
1
community friends
1
discuss with my girlfriend
1
don't know
2
employer
4
employers
1
freind
1
friend
1
friends
8
from friends
1
from my employers
1
from the radio programmes or meetings from council
1
girlfriend
1
go to parents
1
himself
1
his accountant friend
1
mother
2
my boss
1
my employer
5
my manager
1
my self
1
my son
2
myself
2
neighbour
1
neighbours
2
no one
17
non
1
none
6
parent
1
parents
2
radio
1
trust friend
1
will talk to my boss
1
with my housemate
1
Q93_1 Where large sum of money received would be kept
Q93 If you were to receive a large sum of money and you did not need to spend it, where would you keep it until you decide what to do with it?
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
1856
7
1
Put it in the bank
1456
2
Put it into a savings club/Savings associations
44
3
Give it to someone for safekeeping
114
4
Hide it in a safe place at home
171
5
Carry it with me at all times
7
6
Other
64
Sysmiss
7
Q93_2 Where large sum of money received would be kept
102
1761
1
Put it in the bank
0
2
Put it into a savings club/Savings associations
24
3
Give it to someone for safekeeping
32
4
Hide it in a safe place at home
33
5
Carry it with me at all times
4
6
Other
9
Sysmiss
1761
Q93_3 Where large sum of money received would be kept
3
1860
1
Put it in the bank
0
2
Put it into a savings club/Savings associations
0
3
Give it to someone for safekeeping
1
4
Hide it in a safe place at home
1
5
Carry it with me at all times
0
6
Other
1
Sysmiss
1860
Q94a Agree/Disagree: Insurance is for rich people
Q94 Please tell me how much you agree or disagree with the following statements?
[READ OUT. SINGLE MENTION PER STATEMENT.]
1855
8
1
Strongly agree
279
2
Agree
338
3
Neither agree nor disagree
356
4
Disagree
661
5
Strongly disagree
221
Sysmiss
8
Q94b Agree/Disagree: Insurance is for people with valuable assets
1855
8
1
Strongly agree
277
2
Agree
510
3
Neither agree nor disagree
390
4
Disagree
537
5
Strongly disagree
141
Sysmiss
8
Q94c Agree/Disagree: Insurance is a way of saving on a long term basis
1855
8
1
Strongly agree
265
2
Agree
753
3
Neither agree nor disagree
603
4
Disagree
188
5
Strongly disagree
46
Sysmiss
8
Q94d Agree/Disagree: Being insured stops you from worrying about losing things o
1855
8
1
Strongly agree
248
2
Agree
594
3
Neither agree nor disagree
614
4
Disagree
340
5
Strongly disagree
59
Sysmiss
8
Q94e Agree/Disagree: Insurance is costly
1855
8
1
Strongly agree
317
2
Agree
635
3
Neither agree nor disagree
504
4
Disagree
324
5
Strongly disagree
75
Sysmiss
8
Q94f Agree/Disagree: There is a lack of low insurance products
1855
8
1
Strongly agree
210
2
Agree
566
3
Neither agree nor disagree
664
4
Disagree
335
5
Strongly disagree
80
Sysmiss
8
Q95_1 Money matters most concerned about
Q95 In general, thinking about the money matters of your household, what are the things you are most concerned about, apart from how to get more money?
[DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
1855
8
1
Losing the money I earned (e.g. through stealing)
450
2
Getting wrong financial advice
81
3
Death of main income earner
243
4
Not having enough money in a couple of years / when I am old
109
5
That I cannot buy enough food at the end of the month
272
6
That I am not well enough insured
25
7
That I can’t pay back my credit / loan
16
8
That my business fails
52
9
That I have to give too much money away to friends/family/community
23
10
The education of my children
161
11
The safety of my household (members and assets)
113
12
Unforeseen expenses (vehicle break-down, death, illness, etc.)
123
13
Unforeseen natural disasters (flooding, etc.)
28
14
Other
159
Sysmiss
8
Q95_2 Money matters most concerned about
869
994
1
Losing the money I earned (e.g. through stealing)
0
2
Getting wrong financial advice
52
3
Death of main income earner
58
4
Not having enough money in a couple of years / when I am old
42
5
That I cannot buy enough food at the end of the month
137
6
That I am not well enough insured
9
7
That I can’t pay back my credit / loan
23
8
That my business fails
23
9
That I have to give too much money away to friends/family/community
14
10
The education of my children
129
11
The safety of my household (members and assets)
123
12
Unforeseen expenses (vehicle break-down, death, illness, etc.)
152
13
Unforeseen natural disasters (flooding, etc.)
78
14
Other
29
Sysmiss
994
Q95_3 Money matters most concerned about
302
1561
1
Losing the money I earned (e.g. through stealing)
0
2
Getting wrong financial advice
0
3
Death of main income earner
14
4
Not having enough money in a couple of years / when I am old
7
5
That I cannot buy enough food at the end of the month
11
6
That I am not well enough insured
6
7
That I can’t pay back my credit / loan
12
8
That my business fails
4
9
That I have to give too much money away to friends/family/community
3
10
The education of my children
61
11
The safety of my household (members and assets)
47
12
Unforeseen expenses (vehicle break-down, death, illness, etc.)
56
13
Unforeseen natural disasters (flooding, etc.)
73
14
Other
8
Sysmiss
1561
Q95_4 Money matters most concerned about
69
1794
1
Losing the money I earned (e.g. through stealing)
0
2
Getting wrong financial advice
0
3
Death of main income earner
0
4
Not having enough money in a couple of years / when I am old
1
5
That I cannot buy enough food at the end of the month
3
6
That I am not well enough insured
2
7
That I can’t pay back my credit / loan
3
8
That my business fails
1
9
That I have to give too much money away to friends/family/community
1
10
The education of my children
9
11
The safety of my household (members and assets)
14
12
Unforeseen expenses (vehicle break-down, death, illness, etc.)
15
13
Unforeseen natural disasters (flooding, etc.)
15
14
Other
5
Sysmiss
1794
Q95_5 Money matters most concerned about
24
1839
1
Losing the money I earned (e.g. through stealing)
0
2
Getting wrong financial advice
0
3
Death of main income earner
0
4
Not having enough money in a couple of years / when I am old
0
5
That I cannot buy enough food at the end of the month
0
6
That I am not well enough insured
0
7
That I can’t pay back my credit / loan
0
8
That my business fails
0
9
That I have to give too much money away to friends/family/community
1
10
The education of my children
2
11
The safety of my household (members and assets)
4
12
Unforeseen expenses (vehicle break-down, death, illness, etc.)
7
13
Unforeseen natural disasters (flooding, etc.)
10
14
Other
0
Sysmiss
1839
Q95_6 Money matters most concerned about (other specified)
201
Alcohol and drug abuse among my childrens
1
Can't think of any
3
Cannot think of any
2
Conflicts
1
Death of a person in the community that helps me
1
Death of my livestock
1
Divorce
1
Dying soon and leaving her kids and grandchildren behind
1
Electricity cost and current economic situation
1
Failing school
1
Get my own house.
1
Getting a plot to build house
1
Getting employment
1
Getting injured and being unable to run the business
1
He is old person can't walk long distance
1
Health of my family
1
His own safety
1
Home improvement
1
How to start my own business
1
I am never concerned
1
I am not having a house
1
I don't have any concerns
1
I think about my children's life
1
I'm concerned about nothing at this point
1
If I die no one will look after the kids because their ophans
1
If am going to complete my education
1
Inflation rate and economic growth.
1
Investing the money.
1
Lack of enough funds to start businesses
1
Losing of what I have already e.g. car, furniture ect.
1
Misbehaviour amongst the household members
1
NO concerns, trust God fully all in his hands
1
Need to make sure that your properties are secured
1
No answer
1
No problem.
1
NoNe
1
None
11
None she can think of
1
Not at all.
1
Not being able to get a job
1
1
Not getting a job
1
Not getting income
1
Not harvesting enough
1
Not having a job
1
Not having enough food
1
Not having food at home
1
Not losing his job if he finds one
1
Not to have kids and unable to take care of them
1
Nothing
7
Nothing still too young.
1
PAYING MY RENT
1
Starve
1
Stealing
2
That her business plans fails
1
That they will be poor
1
Theft
2
To get farming tools
1
To get land for farming
1
To have tools farm more food
1
To start a business
1
Transport money
1
Unable to contribute when there is an event in the family
1
Violence
1
Violence between neighbours
1
Water and electricity
1
Water and electricity bill and safety.
1
Where will get money to survive
1
about his health
1
can't think of any
1
clothes
1
clothes and water
1
concerned of disabled son
1
confidential
1
cutting off of our water
1
1
death of my cattles
1
death of my livestocks
1
death of my wife
1
don't have really such thoughts
1
don't know
4
1
employement
1
fear of looking our dwelling through town development
1
fire
1
food and fuel price increase,no salary increase
1
getting enough job...
1
getting sick because of lack of sanitation
1
1
how I use the money
1
i don't worry about anything
1
i dont have any concerns
1
in debt when it comes to water bills and they will be put off
1
inflation
1
livestock
1
loosing of my livestocks
1
losing of a bursary
1
lots of livestock (through stealing)
1
meeting my budget
1
most of thing are just related to money
1
my Studies
1
my contract expiering
1
my daughter should learn more at agricultural thing
1
my education
2
my studies
1
no mesical aid
1
none
13
not at moment
1
not enough savings
1
not having a job
1
not having anything to eat home
1
not having water in the house,
1
nothing
23
nothing worries me
1
paying bills
1
paying medical insurance
1
ploughing
1
policies should be paid up as well as furniture should be paid up
1
rates and taxes fueling my car child medecine.
1
rent and household expenses
1
set up my own business
1
sustainability
1
teachers at school are not qualified in mind,
1
that i can't have my livestock or farm on this farm
1
that i will get a serious sickness and I will not have enough money to cover the costs
1
that will I ever get a job to support my kid
1
that will not get a job
1
the person that helps is not around,nor does not have money
1
the safety of my livestocks
1
the unemployment situation of my household
1
thinking about how to get farming tools to farm more crops for selling
1
to loose my land due to town development
1
transport is expensive
1
unable to pay water
1
using the money wrongly
2
wasting money on products you don't need
1
water bill and electricity
1
water bills
1
water bills. renovation.
1
where to find farming land
1
worried about the house get burned
1
Q96 What does it mean to save?
Q96 People have different ways of describing what it means to save. Which of the following descriptions do you think most accurately defines what it means to save?
[READ OUT. SINGLE MENTION ONLY.]
1855
8
1
Putting money aside for safekeeping
384
2
Putting money aside to use later when needed
1079
3
Putting money aside for the end of the week or month
80
4
Putting money away so that the total amount increases over time as more is put a
125
5
Putting money aside for a specific purpose
162
6
Putting other assets (like livestock) aside to convert to money/cash when needed
25
Sysmiss
8
Q97 Do you save or put money away when you can?
Q97 Do you save or put money away when you can?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1855
8
1
Yes
1515
2
No
340
Sysmiss
8
Q98_1 Reasons for not saving or putting money away
Q98 [IF Q97 is NO, ASK:] Why do you not save or put money away?
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
340
1523
1
Do not have any money left after paying for living expenses
216
2
Do not have a cash income – no money to save
108
3
Do not believe in saving
0
4
Lack/ No access to saving facilities
4
5
High cost of saving
1
6
Low return on saving
1
7
Other
10
Sysmiss
1523
Q98_2 Reasons for not saving or putting money away
60
1803
1
Do not have any money left after paying for living expenses
0
2
Do not have a cash income – no money to save
58
3
Do not believe in saving
0
4
Lack/ No access to saving facilities
0
5
High cost of saving
0
6
Low return on saving
1
7
Other
1
Sysmiss
1803
Q99.1a Savings product/mechanism ownership: Savings at a bank
Q99.1 Please tell me which of the following you have, had, or never had?
[READ OUT. SINGLE MENTION PER SAVINGS MECHANISM.]
1855
8
1
Have
973
2
Used to have
132
3
Never had
750
Sysmiss
8
Q99.2a.1 Savings product/mechanism ownership: Savings at a bank
Q99.2 [if the answer in 99.1 is Have or Had, PLEASE ASK: At which institution did you have savings?
[SEE CODE LIST 8. DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
1106
757
1
Bank of Windhoek
195
2
First National Bank
571
3
Nedbank
17
4
Standard Bank
194
5
Nampost
118
6
Fides Bank Namibia
0
7
Old Mutual
4
8
Momentum/Swabou
1
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
6
Sysmiss
757
Q99.2a.2 Savings product/mechanism institution: Savings at a bank
178
1685
1
Bank of Windhoek
0
2
First National Bank
27
3
Nedbank
8
4
Standard Bank
43
5
Nampost
73
6
Fides Bank Namibia
1
7
Old Mutual
13
8
Momentum/Swabou
4
9
Mutual & Federal
1
10
Sanlam
5
11
Namlife
0
12
GIPF
1
13
Others
2
Sysmiss
1685
Q99.2a.3 Savings product/mechanism institution: Savings at a bank
32
1831
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
1
4
Standard Bank
5
5
Nampost
8
6
Fides Bank Namibia
0
7
Old Mutual
4
8
Momentum/Swabou
0
9
Mutual & Federal
1
10
Sanlam
6
11
Namlife
1
12
GIPF
4
13
Others
2
Sysmiss
1831
Q99.1b Savings product/mechanism ownership: Savings at another financial institu
1855
8
1
Have
238
2
Used to have
68
3
Never had
1549
Sysmiss
8
Q99.2b.1 Savings product/mechanism institution: Savings at another financial ins
306
1557
1
Bank of Windhoek
25
2
First National Bank
30
3
Nedbank
5
4
Standard Bank
20
5
Nampost
102
6
Fides Bank Namibia
1
7
Old Mutual
59
8
Momentum/Swabou
17
9
Mutual & Federal
0
10
Sanlam
14
11
Namlife
4
12
GIPF
2
13
Others
27
Sysmiss
1557
Q99.2b.2 Savings product/mechanism institution: Savings at another financial ins
41
1822
1
Bank of Windhoek
0
2
First National Bank
6
3
Nedbank
1
4
Standard Bank
5
5
Nampost
9
6
Fides Bank Namibia
0
7
Old Mutual
3
8
Momentum/Swabou
4
9
Mutual & Federal
0
10
Sanlam
7
11
Namlife
0
12
GIPF
1
13
Others
5
Sysmiss
1822
Q99.3b.3 Savings product/mechanism institution: Savings at another financial ins
11
1852
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
2
4
Standard Bank
2
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
3
11
Namlife
0
12
GIPF
2
13
Others
1
Sysmiss
1852
Q99.1c Savings product/mechanism ownership: Savings in Treasury Bills or Bonds
1855
8
1
Have
19
2
Used to have
10
3
Never had
1826
Sysmiss
8
Q99.1d Savings product/mechanism ownership: Unit Trusts
1855
8
1
Have
89
2
Used to have
20
3
Never had
1746
Sysmiss
8
Q99.2d.1 Savings product/mechanism institution: Unit Trusts
109
1754
1
Bank of Windhoek
9
2
First National Bank
48
3
Nedbank
1
4
Standard Bank
11
5
Nampost
5
6
Fides Bank Namibia
0
7
Old Mutual
16
8
Momentum/Swabou
3
9
Mutual & Federal
0
10
Sanlam
12
11
Namlife
0
12
GIPF
1
13
Others
3
Sysmiss
1754
Q99.2d.2 Savings product/mechanism institution: Unit Trusts
11
1852
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
1
4
Standard Bank
2
5
Nampost
2
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
2
9
Mutual & Federal
0
10
Sanlam
2
11
Namlife
1
12
GIPF
0
13
Others
0
Sysmiss
1852
Q99.2d.3 Savings product/mechanism institution: Unit Trusts
5
1858
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
4
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1858
Q99.1e Savings product/mechanism ownership: Pension fund
1855
8
1
Have
238
2
Used to have
22
3
Never had
1595
Sysmiss
8
Q99.2e.1 Savings product/mechanism institution: Pension fund
260
1603
1
Bank of Windhoek
6
2
First National Bank
17
3
Nedbank
3
4
Standard Bank
5
5
Nampost
6
6
Fides Bank Namibia
0
7
Old Mutual
47
8
Momentum/Swabou
13
9
Mutual & Federal
2
10
Sanlam
19
11
Namlife
1
12
GIPF
92
13
Others
49
Sysmiss
1603
Q99.2e.2 Savings product/mechanism institution: Pension fund
19
1844
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
1
4
Standard Bank
0
5
Nampost
2
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
5
11
Namlife
0
12
GIPF
8
13
Others
3
Sysmiss
1844
Q99.2e.3 Savings product/mechanism institution: Pension fund
4
1859
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
1
11
Namlife
0
12
GIPF
2
13
Others
0
Sysmiss
1859
Q99.2e Savings product/mechanism institution: Pension fund (other specified)
52
Alexander Forbes
11
Alexander forbes
3
Alexander forbs
1
Alexander fox
2
Alexandra forbes
1
Allen grey
1
BENCHMARK
1
Bench mark
1
Company Pension
1
Diamond Gambling (work place)
1
Do know
1
Don't know
1
Employer
1
Epupa
2
Fountain OK Foods
1
GEPF
1
Government old age pension
1
Government pension grant
1
Local Authority Pension fund
1
Metropolitan
3
PPS
1
Petropolitan
1
1
UNIPOLY
1
alexander forbes
1
alexenda forbse
1
bench Mark retirement fund
1
branch mark
1
company pays pension
1
elexender forbs
1
forgot where
1
imperial managed solutions
1
investec
1
not sure
1
1
with work
1
Q99.1f Savings product/mechanism ownership: Provident fund
1855
8
1
Have
34
2
Used to have
9
3
Never had
1812
Sysmiss
8
Q99.2f.1 Savings product/mechanism institution: Provident fund
43
1820
1
Bank of Windhoek
1
2
First National Bank
8
3
Nedbank
0
4
Standard Bank
1
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
10
8
Momentum/Swabou
2
9
Mutual & Federal
1
10
Sanlam
3
11
Namlife
0
12
GIPF
4
13
Others
12
Sysmiss
1820
Q99.2f.2 Savings product/mechanism institution: Provident fund
4
1859
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
1
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
1
Sysmiss
1859
Q99.1g Savings product/mechanism ownership: Retirement annuity
1855
8
1
Have
101
2
Used to have
16
3
Never had
1738
Sysmiss
8
Q99.2g.1Savings product/mechanism institution: Retirement annuity
117
1746
1
Bank of Windhoek
2
2
First National Bank
9
3
Nedbank
1
4
Standard Bank
3
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
42
8
Momentum/Swabou
9
9
Mutual & Federal
1
10
Sanlam
19
11
Namlife
0
12
GIPF
16
13
Others
15
Sysmiss
1746
Q99.2g.2 Savings product/mechanism institution: Retirement annuity
14
1849
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
1
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
2
9
Mutual & Federal
1
10
Sanlam
3
11
Namlife
0
12
GIPF
2
13
Others
3
Sysmiss
1849
Q99.2g.3 Savings product/mechanism institution: Retirement annuity
4
1859
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
2
11
Namlife
0
12
GIPF
1
13
Others
1
Sysmiss
1859
Q99.1h Savings product/mechanism ownership: Preservation fund (from previous emp
1855
8
1
Have
17
2
Used to have
14
3
Never had
1824
Sysmiss
8
Q99.2h.1 Savings product/mechanism institution: Preservation fund (from previous
31
1832
1
Bank of Windhoek
2
2
First National Bank
3
3
Nedbank
1
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
1
7
Old Mutual
6
8
Momentum/Swabou
1
9
Mutual & Federal
0
10
Sanlam
6
11
Namlife
0
12
GIPF
3
13
Others
8
Sysmiss
1832
Q99.2h.2 Savings product/mechanism institution: Preservation fund (from previous
1
1862
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
1
Sysmiss
1862
Q99.1i Savings product/mechanism ownership: Education policy/plan
1855
8
1
Have
120
2
Used to have
21
3
Never had
1714
Sysmiss
8
Q99.2i.1 Savings product/mechanism institution: Education policy/plan
141
1722
1
Bank of Windhoek
1
2
First National Bank
11
3
Nedbank
1
4
Standard Bank
3
5
Nampost
2
6
Fides Bank Namibia
0
7
Old Mutual
70
8
Momentum/Swabou
21
9
Mutual & Federal
1
10
Sanlam
15
11
Namlife
5
12
GIPF
0
13
Others
11
Sysmiss
1722
Q99.2i.2 Savings product/mechanism institution: Education policy/plan
10
1853
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
2
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
1
12
GIPF
0
13
Others
6
Sysmiss
1853
Q99.1j Savings product/mechanism ownership: Investments / Saving Policy
Q99_1J Please tell me which of the following you have, had, or never had?
[READ OUT. SINGLE MENTION PER SAVINGS MECHANISM.]
1855
8
1
Have
159
2
Used to have
19
3
Never had
1677
Sysmiss
8
Q99.2j.1 Savings product/mechanism institution: Investments / Saving Policy
179
1684
1
Bank of Windhoek
10
2
First National Bank
38
3
Nedbank
3
4
Standard Bank
14
5
Nampost
4
6
Fides Bank Namibia
0
7
Old Mutual
52
8
Momentum/Swabou
21
9
Mutual & Federal
0
10
Sanlam
16
11
Namlife
2
12
GIPF
0
13
Others
19
Sysmiss
1684
Q99.2j.2 Savings product/mechanism institution: Investments / Saving Policy
24
1839
1
Bank of Windhoek
0
2
First National Bank
1
3
Nedbank
0
4
Standard Bank
3
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
3
8
Momentum/Swabou
5
9
Mutual & Federal
0
10
Sanlam
7
11
Namlife
3
12
GIPF
0
13
Others
2
Sysmiss
1839
Q99.2j.3 Savings product/mechanism institution: Investments / Saving Policy
5
1858
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
1
11
Namlife
0
12
GIPF
1
13
Others
3
Sysmiss
1858
Q99.1k Savings product/mechanism ownership: Endowment policy with death/disabili
1855
8
1
Have
149
2
Used to have
17
3
Never had
1689
Sysmiss
8
Q99.2k.1 Savings product/mechanism institution: Endowment policy with death/disa
166
1697
1
Bank of Windhoek
1
2
First National Bank
8
3
Nedbank
0
4
Standard Bank
4
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
64
8
Momentum/Swabou
24
9
Mutual & Federal
0
10
Sanlam
24
11
Namlife
10
12
GIPF
2
13
Others
28
Sysmiss
1697
Q99.2k.2 Savings product/mechanism institution: Endowment policy with death/disa
25
1838
1
Bank of Windhoek
0
2
First National Bank
1
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
3
9
Mutual & Federal
0
10
Sanlam
8
11
Namlife
5
12
GIPF
1
13
Others
6
Sysmiss
1838
Q99.2k.3 Savings product/mechanism institution: Endowment policy with death/disa
5
1858
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
1
12
GIPF
3
13
Others
1
Sysmiss
1858
Q99.1l Savings product/mechanism ownership: GIPF
Q99_1L Please tell me which of the following you have, had, or never had?
1855
8
1
Have
172
2
Used to have
14
3
Never had
1669
Sysmiss
8
Q99.1m Savings product/mechanism ownership: Savings in a saving group/club
1855
8
1
Have
37
2
Used to have
18
3
Never had
1800
Sysmiss
8
Q99.1n Savings product/mechanism ownership: Savings with someone in community wh
1855
8
1
Have
40
2
Used to have
24
3
Never had
1791
Sysmiss
8
Q99.1o Savings product/mechanism ownership: Savings with someone in household/fa
1855
8
1
Have
182
2
Used to have
66
3
Never had
1607
Sysmiss
8
Q99.1p Savings product/mechanism ownership:: Savings with a community organizati
1855
8
1
Have
12
2
Used to have
8
3
Never had
1835
Sysmiss
8
Q99.1q Savings product/mechanism ownership: Savings at home
1855
8
1
Have
678
2
Used to have
123
3
Never had
1054
Sysmiss
8
Q99.1r Savings product/mechanism ownership: Savings by buying an asset like live
1855
8
1
Have
146
2
Used to have
64
3
Never had
1645
Sysmiss
8
Q100_1 Factors considered when choosing savings product/method
Q100 When you choose a savings product or a method of saving, which factors do you consider to help you make your decision? [DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
1855
8
1
Recommendation by family/friends/others in the community
619
2
Recommendation by the newspaper, radio and by official institutions
18
3
Low fees and charges
553
4
Trust in the product
78
5
Product association with a well-known brand
18
6
Explanation of the contract to me
15
7
Ability to get my money fast
76
8
Safety of my money
255
9
Explanation in a language that I understand
16
10
56
11
Closeness of the person or organisation who sells the product to where I live
68
12
Others
83
Sysmiss
8
Q100_2 Factors considered when choosing savings product/method
767
1096
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
32
3
Low fees and charges
99
4
Trust in the product
124
5
Product association with a well-known brand
22
6
Explanation of the contract to me
21
7
Ability to get my money fast
76
8
Safety of my money
242
9
Explanation in a language that I understand
32
10
53
11
Closeness of the person or organisation who sells the product to where I live
45
12
Others
21
Sysmiss
1096
Q100_3 Factors considered when choosing savings product/method
270
1593
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
9
4
Trust in the product
26
5
Product association with a well-known brand
15
6
Explanation of the contract to me
11
7
Ability to get my money fast
27
8
Safety of my money
111
9
Explanation in a language that I understand
16
10
35
11
Closeness of the person or organisation who sells the product to where I live
11
12
Others
9
Sysmiss
1593
Q100_4 Factors considered when choosing savings product/method
102
1761
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
0
4
Trust in the product
2
5
Product association with a well-known brand
4
6
Explanation of the contract to me
6
7
Ability to get my money fast
10
8
Safety of my money
36
9
Explanation in a language that I understand
16
10
20
11
Closeness of the person or organisation who sells the product to where I live
7
12
Others
1
Sysmiss
1761
Q100_5 Factors considered when choosing savings product/method
42
1821
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
0
4
Trust in the product
0
5
Product association with a well-known brand
0
6
Explanation of the contract to me
0
7
Ability to get my money fast
2
8
Safety of my money
15
9
Explanation in a language that I understand
5
10
15
11
Closeness of the person or organisation who sells the product to where I live
3
12
Others
2
Sysmiss
1821
Q100_6 Factors considered when choosing savings product/method
19
1844
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
0
4
Trust in the product
0
5
Product association with a well-known brand
0
6
Explanation of the contract to me
0
7
Ability to get my money fast
0
8
Safety of my money
2
9
Explanation in a language that I understand
5
10
7
11
Closeness of the person or organisation who sells the product to where I live
4
12
Others
1
Sysmiss
1844
Q100_7 Factors considered when choosing savings product/method
5
1858
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
0
4
Trust in the product
0
5
Product association with a well-known brand
0
6
Explanation of the contract to me
0
7
Ability to get my money fast
0
8
Safety of my money
0
9
Explanation in a language that I understand
0
10
4
11
Closeness of the person or organisation who sells the product to where I live
1
12
Others
0
Sysmiss
1858
Q100_8 Factors considered when choosing savings product/method (Others specified
117
And Headman
1
Consult no one
1
1
1
Distance from here to where banks are
1
Do not have any money or bank account.
1
Does not have any money to put into the account.
1
Dont know
1
Global economic factors
1
How it easy to get it back
1
I do not have anything to save at all
1
I do not save
1
I don't know
2
I don't know anything about saving products
1
I don't save
4
1
1
I make my own decision
1
Interest
1
Interest and what does it offer at the end of the day
1
Interest rates
1
Internet
1
Is what I want
1
It is for old age people
1
It's the bank of her choice
1
JUST DECIDE ON MY OWN
1
Just her choice and it's closer
1
Less queues
1
Less recquirements
1
Long term returns
1
More interest
1
My employer
1
Need of products
1
Never thought of saving in the banks
1
No factors
1
None
15
Not sure
1
Nothing
2
Nothing he can think of cos he's saving with three banks
1
Only saves at home
1
Period, risks profile
1
Putting away for future.
1
Read from the internet
1
Recommendation by my employer
1
Return on investment.
1
Security and returns
1
The fluctuations of their Interests
1
The services it offers like E-wallet
1
To attract interest
1
Using of cell phone
1
am still for decisions
1
better interest
1
better interest rate
1
credibitily
1
does not earn any money
1
don't have a savings product
1
don't know
2
easy way to send money to my sister in SouthAfrica
1
good returns
1
high interest rates
1
high interests
1
high returns
1
i don't choose a saving products
1
interest
2
interest rates
4
internet
1
it expire when u take time to use it
1
it's the most respected first bank
1
less clients
1
less clients,
1
less requirments
1
long term benefits
1
low income
1
my employer
1
1
no one
2
non
1
none
5
none of the above
1
none, my self
1
nothing
3
period of saving
1
service is faster
1
terms and conditions security/financial stability
1
they come to people and explain
1
you can get it abroad, technological wise
1
Q101.1 Did you borrow money during the past 6 months?
1854
9
1
Yes
368
2
No
1486
Sysmiss
9
Q101.2 Have you been paying back money that you borrowed during the past 6 month
Q101.2 Have you, in the past 6 months, been paying back money that you borrowed from anybody or any institutions?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
356
2
No
1498
Sysmiss
9
Q101.3 Did you get goods or services in advance that you have to pay for later d
Q101.3 During the past 6 months, did you get any goods or services in advance and had to pay for it later?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
200
2
No
1654
Sysmiss
9
Q102_1 Reasons for not borrowing money or taking goods or services on credit
Q102 [ASK IF NO TO Q101.1; Q101.2 AND Q101.3] Why have you not borrowed money or taken goods or services on credit?
[DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
1305
558
1
Fear of debt
809
2
Can pay for my living expenses with what I have; do not need to borrow money or
77
3
Worried that I would not be able to pay back the money
161
4
The interest charged on borrowed money is too high
17
5
Do not know where to borrow money
7
6
Do not want to become a defaulter or be known as a defaulter
10
7
Do not know how to apply for a loan
1
8
Do not believe in borrowing money
41
9
Do not have assets to give as security or collateral
3
10
Do not have a credit record
2
11
Do not trust banks or other lenders
1
12
Do not want to borrow from money lenders
11
13
Borrowing money is shameful and embarrassing
3
14
My spouse/family/other people do not allow me to borrow money
2
15
Tried, but was refused
10
16
Have no one to borrow from
16
17
No specific reason
66
18
Other
68
Sysmiss
558
Q102_2 Reasons for not borrowing money or taking goods or services on credit
425
1438
1
Fear of debt
0
2
Can pay for my living expenses with what I have; do not need to borrow money or
50
3
Worried that I would not be able to pay back the money
200
4
The interest charged on borrowed money is too high
14
5
Do not know where to borrow money
22
6
Do not want to become a defaulter or be known as a defaulter
10
7
Do not know how to apply for a loan
3
8
Do not believe in borrowing money
49
9
Do not have assets to give as security or collateral
2
10
Do not have a credit record
7
11
Do not trust banks or other lenders
3
12
Do not want to borrow from money lenders
13
13
Borrowing money is shameful and embarrassing
15
14
My spouse/family/other people do not allow me to borrow money
6
15
Tried, but was refused
8
16
Have no one to borrow from
9
17
No specific reason
7
18
Other
7
Sysmiss
1438
Q102_3 Reasons for not borrowing money or taking goods or services on credit
70
1793
1
Fear of debt
0
2
Can pay for my living expenses with what I have; do not need to borrow money or
0
3
Worried that I would not be able to pay back the money
14
4
The interest charged on borrowed money is too high
8
5
Do not know where to borrow money
5
6
Do not want to become a defaulter or be known as a defaulter
6
7
Do not know how to apply for a loan
2
8
Do not believe in borrowing money
11
9
Do not have assets to give as security or collateral
3
10
Do not have a credit record
0
11
Do not trust banks or other lenders
1
12
Do not want to borrow from money lenders
3
13
Borrowing money is shameful and embarrassing
4
14
My spouse/family/other people do not allow me to borrow money
1
15
Tried, but was refused
2
16
Have no one to borrow from
5
17
No specific reason
1
18
Other
4
Sysmiss
1793
Q102_4 Reasons for not borrowing money or taking goods or services on credit
12
1851
1
Fear of debt
0
2
Can pay for my living expenses with what I have; do not need to borrow money or
0
3
Worried that I would not be able to pay back the money
0
4
The interest charged on borrowed money is too high
1
5
Do not know where to borrow money
3
6
Do not want to become a defaulter or be known as a defaulter
2
7
Do not know how to apply for a loan
0
8
Do not believe in borrowing money
0
9
Do not have assets to give as security or collateral
2
10
Do not have a credit record
0
11
Do not trust banks or other lenders
1
12
Do not want to borrow from money lenders
0
13
Borrowing money is shameful and embarrassing
2
14
My spouse/family/other people do not allow me to borrow money
0
15
Tried, but was refused
0
16
Have no one to borrow from
0
17
No specific reason
0
18
Other
1
Sysmiss
1851
Q103.1a Have done in the past 6 months: Borrowed money from a bank
Q1031. [ASK ALL:] Please tell me which of the following have you done in the past six (6) months?
Q1031. [ASK ALL:] Please tell me which of the following have you done in the past six (6) months: [READ OUT. MULTIPLE MENTION POSSIBLE.].
1854
9
1
Yes
54
2
No
1800
Sysmiss
9
Q103.2a Amount of credit from - bank
Q103.2 How much did you borrow?
54
0
00000000
1
10000
11
110000
1
1200
1
12000
2
150000
2
15000000
1
16000
2
2000
3
20000
5
200000
1
20000000
1
2500000
1
3000
2
30000
2
35000
1
4000
1
400000
2
40110
1
500
1
5000
1
50000
3
600
1
6000
2
60000
1
600000
1
75000
1
8000
2
Q103.3a Outstanding amount of credit from - bank
Q103.3 How much is still owed?
54
0
0
11
10000
3
1000000
1
11000
1
1200
1
13000
1
135000
1
140000
1
15000
1
200
1
2000
3
20000
3
2100
1
22000
1
245000
1
2500
1
27000
1
30000
2
320000
1
35000
1
40000
1
40110
1
450
1
46000
1
5000
5
550000
1
600
1
6000
1
64000
1
7200
1
8000
1
8400
1
9600
1
Q103.1b Have done in the past 6 months: Borrowed money from another financial in
1854
9
1
Yes
47
2
No
1807
Sysmiss
9
Q103.2b Amount of credit from - another financial institution
47
0
1000
6
10000
4
1170
1
12000
1
140000
1
1500
4
15000
1
16000
1
1700
1
1800
1
18000
1
200
2
2000
4
20000
1
2500
2
2660
1
3000
1
4000
1
500
4
5000
3
50000
1
600
1
800
1
8000
2
9000
1
Q103.3b Outstanding amount of credit from - another financial institution
47
1816
0
140000
5454.362
20499.56
Q103.1c Have done in the past 6 months: Got a loan from Government Scheme
1854
9
1
Yes
7
2
No
1847
Sysmiss
9
Q103.2c Amount of credit from - another financial institution
7
0
1000
1
10000
2
21000
1
29000
1
39000
1
540000
1
Q103.3c Outstanding amount of credit from - another financial institution
7
1856
0
532000
90442.857
195160.719
Q103.1d Have done in the past 6 months: Employer
1854
9
1
Yes
59
2
No
1795
Sysmiss
9
Q103.2d Amount of credit from - Employer
59
0
100
4
1000
6
150
1
1500
2
1600
1
200
2
2000
9
300
3
3000
2
3750
1
400
3
4000
2
50
2
500
11
5000
1
600
5
7000
1
800
3
Q103.3b Outstanding amount of credit from - Employer
59
1804
0
7000
427.966
1061.037
Q103.4d1 Reason for choosing this source/sources of borrowing - Employer
59
1804
1
They have very few requirements
2
2
They have low charges
4
3
They are close to where I stay
2
4
I trust them
17
5
Faster to get money
14
6
Only option I had
13
7
Other
7
Sysmiss
1804
Q103.4d2 Reason for choosing this source/sources of borrowing -Employer
16
1847
1
They have very few requirements
3
2
They have low charges
0
3
They are close to where I stay
0
4
I trust them
1
5
Faster to get money
5
6
Only option I had
6
7
Other
1
Sysmiss
1847
Q103.1e Have done in the past 6 months: Borrowed money from family/friends - had
1854
9
1
Yes
291
2
No
1563
Sysmiss
9
Q103.2e Amount of credit from - Borrowed money from family/friends - had to pay
291
0
10
2
100
25
1000
21
10000
3
1100
2
120
1
1200
1
12000
1
13000
1
1400
1
150
7
1500
7
15000
2
1600
1
170
1
1800
1
20
3
200
57
2000
12
20000
2
250
6
2500
2
30
1
300
19
3000
4
320
1
350
2
3500
1
40
2
400
20
4000
2
450
1
4500
1
50
13
500
28
5000
5
50000
1
52000
1
60
2
600
12
6000
1
700
6
7000
1
750
1
80
2
800
4
900
1
Q103.3e Outstanding amount of credit from - Borrowed money from family/friends -
292
1571
0
50000
593.459
3434.757
Q103.4e1 Reason for choosing this source/sources of borrowing - Borrowed money f
Q103.4 Why did you choose this source
[SEE CODE LIST 9. DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
292
1571
1
They have very few requirements
49
2
They have low charges
12
3
They are close to where I stay
48
4
I trust them
92
5
Faster to get money
40
6
Only option I had
36
7
Other
15
Sysmiss
1571
Q103.4e2 Reason for choosing this source/sources of borrowing - Borrowed money f
97
1766
1
They have very few requirements
10
2
They have low charges
13
3
They are close to where I stay
21
4
I trust them
20
5
Faster to get money
18
6
Only option I had
14
7
Other
1
Sysmiss
1766
Q103.1f Have done in the past 6 months: Borrowed money from family/friends - did
1854
9
1
Yes
251
2
No
1603
Sysmiss
9
Q103.2f Amount of credit from - did not have to pay back
251
0
10
1
100
22
1000
26
10000
1
1050
1
120
2
1200
3
1300
2
1400
1
150
4
1500
1
1600
1
1800
1
20
3
200
42
2000
4
250
7
2500
4
25000
1
3
1
30
1
300
33
3000
2
350
3
400
14
4000
2
450
1
50
14
500
29
5000
2
50000
2
550
1
600
6
6000
1
700
4
80
1
800
6
8000
1
Q103.3f Outstanding amount of credit from - did not have to pay back
251
1612
0
2500
94.016
297.039
Q103.4f1 Reason for choosing this source/sources of borrowing - did not have to
252
1611
1
They have very few requirements
14
2
They have low charges
5
3
They are close to where I stay
19
4
I trust them
75
5
Faster to get money
27
6
Only option I had
55
7
Other
57
Sysmiss
1611
Q103.4f2 Reason for choosing this source/sources of borrowing - did not have to
40
1823
1
They have very few requirements
2
2
They have low charges
4
3
They are close to where I stay
7
4
I trust them
8
5
Faster to get money
10
6
Only option I had
6
7
Other
3
Sysmiss
1823
Q103.1g Have done in the past 6 months: Borrowed money from savings group
1854
9
1
Yes
5
2
No
1849
Sysmiss
9
Q103.2g Amount of credit from - Borrowed money from savings group
5
0
1000
1
1250
1
1500
1
500
1
7000
1
Q103.3g Outstanding amount of credit from - Borrowed money from savings group
5
1858
0
350
70
156.525
Q103.4g1 Reason for choosing this source/sources of borrowing - Borrowed money f
5
1858
1
They have very few requirements
0
2
They have low charges
1
3
They are close to where I stay
0
4
I trust them
1
5
Faster to get money
2
6
Only option I had
1
7
Other
0
Sysmiss
1858
Q103.4g2 Reason for choosing this source/sources of borrowing - Borrowed money f
1
1862
1
They have very few requirements
0
2
They have low charges
1
3
They are close to where I stay
0
4
I trust them
0
5
Faster to get money
0
6
Only option I had
0
7
Other
0
Sysmiss
1862
Q103.1h Have done in the past 6 months: Borrowed money from a money lender in th
1854
9
1
Yes
33
2
No
1821
Sysmiss
9
Q103.2b Amount of credit from - Money lender in the community or a cash loan len
33
0
1000
4
10000
1
1100
1
12000
1
13000
1
1400
1
1500
2
200
4
2000
5
2500
1
300
1
390
1
400
2
500
3
5000
1
600
2
700
1
800
1
Q103.3h Outstanding amount of credit from - Money lender in the community or a c
33
1830
0
12300
1511.212
3032.371
Q103.4h1 Reason for choosing this source/sources of borrowing - Money lender in
33
1830
1
They have very few requirements
1
2
They have low charges
4
3
They are close to where I stay
1
4
I trust them
3
5
Faster to get money
19
6
Only option I had
5
7
Other
0
Sysmiss
1830
Q103.4h2 Reason for choosing this source/sources of borrowing - Money lender in
10
1853
1
They have very few requirements
1
2
They have low charges
0
3
They are close to where I stay
4
4
I trust them
3
5
Faster to get money
1
6
Only option I had
0
7
Other
1
Sysmiss
1853
Q103.1i Have done in the past 6 months: Borrowed money/got goods in advance from
1854
9
1
Yes
2
2
No
1852
Sysmiss
9
Q103.2i Amount of credit from - Borrowed money/got goods in advance from an agri
2
0
100
1
20
1
Q103.3i Outstanding amount of credit from - Borrowed money/got goods in advance
2
1861
0
2
Sysmiss
1861
Q103.4i1 Reason for choosing this source/sources of borrowing - Borrowed money/g
2
1861
1
They have very few requirements
1
2
They have low charges
0
3
They are close to where I stay
1
4
I trust them
0
5
Faster to get money
0
6
Only option I had
0
7
Other
0
Sysmiss
1861
Q103.4i2 Reason for choosing this source/sources of borrowing - Borrowed money/g
1
1862
1
They have very few requirements
0
2
They have low charges
1
3
They are close to where I stay
0
4
I trust them
0
5
Faster to get money
0
6
Only option I had
0
7
Other
0
Sysmiss
1862
Q103.1j Have done in the past 6 months: Farmers organisation
1854
9
1
Yes
3
2
No
1851
Sysmiss
9
Q103.2j Amount of credit from - Farmers organisation
3
0
1500
1
300
1
450
1
Q103.3j Outstanding amount of credit from - Farmers organisation
3
1860
0
450
166.667
246.644
Q103.4j1 Reason for choosing this source/sources of borrowing - Farmers organisa
3
1860
1
They have very few requirements
0
2
They have low charges
0
3
They are close to where I stay
0
4
I trust them
1
5
Faster to get money
1
6
Only option I had
1
7
Other
0
Sysmiss
1860
Q103.4j2 Reason for choosing this source/sources of borrowing - Farmers organisa
1
1862
1
They have very few requirements
0
2
They have low charges
0
3
They are close to where I stay
0
4
I trust them
0
5
Faster to get money
0
6
Only option I had
1
7
Other
0
Sysmiss
1862
Q103.1k Have done in the past 6 months: Borrowed money from a church or other co
1854
9
1
Yes
7
2
No
1847
Sysmiss
9
Q103.2k Amount of credit from - Borrowed money from a church or other community
7
0
1000
1
1250
1
300
1
400
2
50
1
800
1
Q103.3k Outstanding amount of credit from - Borrowed money from a church or othe
7
1856
0
350
85.714
137.581
Q103.4k1 Reason for choosing this source/sources of borrowing - Borrowed money f
7
1856
1
They have very few requirements
2
2
They have low charges
0
3
They are close to where I stay
0
4
I trust them
4
5
Faster to get money
0
6
Only option I had
1
7
Other
0
Sysmiss
1856
Q103.4k2 Reason for choosing this source/sources of borrowing - Borrowed money f
3
1860
1
They have very few requirements
0
2
They have low charges
3
3
They are close to where I stay
0
4
I trust them
0
5
Faster to get money
0
6
Only option I had
0
7
Other
0
Sysmiss
1860
Q103.1l Have done in the past 6 months: Got goods in advance/borrowed money from
1854
9
1
Yes
81
2
No
1773
Sysmiss
9
Q103.2l Amount of credit from - Cuca shop
81
0
0
4
10
2
100
4
10000
1
1200
1
13
1
140
1
150
6
1500
1
160
2
170
1
1750
1
185
2
20
10
200
9
209
1
22
1
24
1
25
3
250
2
30
1
300
8
4
1
400
1
4300
1
50
4
500
4
550
1
600
1
68
1
70
1
700
2
90
1
Q103.l1 Outstanding amount of credit from - Cuca shop
81
1782
0
4000
150.605
496.756
Q103.4l1 Reason for choosing this source/sources of borrowing - Cuca shop
81
1782
1
They have very few requirements
7
2
They have low charges
6
3
They are close to where I stay
26
4
I trust them
18
5
Faster to get money
4
6
Only option I had
18
7
Other
2
Sysmiss
1782
Q103.4l2 Reason for choosing this source/sources of borrowing - Cuca shop
17
1846
1
They have very few requirements
1
2
They have low charges
1
3
They are close to where I stay
8
4
I trust them
1
5
Faster to get money
1
6
Only option I had
4
7
Other
1
Sysmiss
1846
Q103.1m Have done in the past 6 months: Bought goods with a store card such as E
1854
9
1
Yes
92
2
No
1762
Sysmiss
9
Q103.2m Amount of credit from - Store card
92
0
100
1
1000
10
10000
3
1050
1
1200
1
125
1
1400
1
14000
1
150
1
1500
5
155
1
1600
1
17000
1
180
1
1800
1
200
4
2000
6
2500
1
2800
1
2999
1
300
5
3000
3
3200
1
350
2
3700
1
400
1
4000
1
450
1
4500
1
500
6
5000
3
550
1
5900
1
598
1
600
7
6000
4
650
1
690
1
7000
1
800
5
8000
2
Q103.3m Outstanding amount of credit from - Store card
92
1771
0
17000
1914.076
3218.635
Q103.4m1 Reason for choosing this source/sources of borrowing - Store card
92
1771
1
They have very few requirements
21
2
They have low charges
15
3
They are close to where I stay
2
4
I trust them
11
5
Faster to get money
13
6
Only option I had
18
7
Other
12
Sysmiss
1771
Q103.4m2 Reason for choosing this source/sources of borrowing - Store card
23
1840
1
They have very few requirements
4
2
They have low charges
8
3
They are close to where I stay
2
4
I trust them
6
5
Faster to get money
0
6
Only option I had
3
7
Other
0
Sysmiss
1840
Q104. Reasons for borrowing money
Q104 For which reasons have you borrowed money or taken out a loan?
676
1187
1
Food
250
2
Bills e.g. rent, electricity
22
3
Medical spending
31
4
Give to another family member
26
5
To extend/renovate/repair a house
13
6
Child’s education
31
7
Clothes
57
8
Funeral expenses
30
9
Start or invest in your own business
10
10
Own education
9
11
To buy a motor vehicle
7
12
For transport fees
26
13
To build a house
14
14
To buy a house
2
15
Weddings
4
16
Other
121
17
Do not know
23
Sysmiss
1187
Q104. Reasons for borrowing money
140
1723
1
Food
0
2
Bills e.g. rent, electricity
29
3
Medical spending
12
4
Give to another family member
5
5
To extend/renovate/repair a house
0
6
Child’s education
11
7
Clothes
22
8
Funeral expenses
4
9
Start or invest in your own business
3
10
Own education
2
11
To buy a motor vehicle
2
12
For transport fees
24
13
To build a house
4
14
To buy a house
0
15
Weddings
2
16
Other
20
17
Do not know
0
Sysmiss
1723
Q104. Reasons for borrowing money
27
1836
1
Food
0
2
Bills e.g. rent, electricity
0
3
Medical spending
2
4
Give to another family member
1
5
To extend/renovate/repair a house
0
6
Child’s education
5
7
Clothes
4
8
Funeral expenses
0
9
Start or invest in your own business
0
10
Own education
2
11
To buy a motor vehicle
1
12
For transport fees
7
13
To build a house
0
14
To buy a house
0
15
Weddings
1
16
Other
4
17
Do not know
0
Sysmiss
1836
Q104. Reasons for borrowing money
3
1860
1
Food
0
2
Bills e.g. rent, electricity
0
3
Medical spending
0
4
Give to another family member
0
5
To extend/renovate/repair a house
0
6
Child’s education
0
7
Clothes
1
8
Funeral expenses
0
9
Start or invest in your own business
0
10
Own education
0
11
To buy a motor vehicle
0
12
For transport fees
1
13
To build a house
0
14
To buy a house
1
15
Weddings
0
16
Other
0
17
Do not know
0
Sysmiss
1860
Q104. Reasons for borrowing money (other specified)
145
Airt ticket
1
And other needs for me and my baby
1
Bought car parts
1
Business and Fixing a car
1
Buy Cosmetic products
1
Buy groceries and toiletries
1
Buy nappies for the bsby
1
Buy with credit cards and pay end month
1
Buying livestock
1
Car parts
1
Car repair
1
Copies
1
Dd not borrow money or take a loan
1
Did not take out a loan
1
Easter Festival
1
For my car repair
1
For my child needs
1
For my fawell at school
1
For my hostel fee
1
For my needs at school
1
For my own needs
1
For peer
1
GIVEN MONEY
1
GIVEN TO BUY MA COSMETIC
1
GIVEN money
1
Got a new born baby
1
Graduation for grand son
1
Helping family members
1
I did not borrow
2
I did not borrow money in the past 6 months
1
I did not take out a loan in The past 6months
1
I never borrowed money
2
1
Intertainment
1
Just an obligation they give
1
Matric farewell
1
Money TO bail out relative from custody
1
1
None
1
Pay for furniture account.
1
Perfume
1
Refill my GAS
1
Renovations of the house
1
Repair car
1
TO BUY A PAINT
1
To buy Furnitures
1
To buy Groceries
1
To buy a phone
1
To buy a stove
1
To buy batteries for my lighter
1
To buy furniture
1
To buy goats
1
To buy my baby needs
1
To buy pipes for my water
1
To buy school book that ous son lost
1
To buy shoes
1
To pay for her daughter's school tour
1
To pay for my CD (album)
1
To pay for my credits
1
To pay my water bills
1
To plough
1
Went to buy things for my kapana
1
alcohol
1
borrowed money to pay children treatment
1
bought a fridge
1
bought a washing machine
1
bought cellphone
1
bought livestock
1
buy a bed
1
buy furniture
1
buy groceries
1
buy my clothes
1
buy my cosmetics
1
buy paraffin
1
buy shoes
1
buy toiletries
1
confirmation
1
confirmation of one of her kids
1
ddnt take loan nor borrowing
1
dent borrow money
1
did not borrow money in the past six months
1
did not take a loan
1
did not take a loan in the past 6 months
1
didn't borrow
1
entertainment
1
for contribution at church meetings
1
for gass
2
for my birthday party
1
for toiletries
1
fuel
1
furniture
2
get my gas filled
1
groceries
1
had to pay receive of revenue
1
1
i did not borrow money
1
i needed the items
1
jewellery
1
make up.
1
make use when we moved to this new room
1
mantaining my car
1
medical for the baby
1
my girlfriend ask
1
my groceries
1
none
3
other debt
1
pay debt
1
paying layers
1
porket money
1
private problem
1
recharge for water
1
1
1
she bought a freezer for her room
1
she did not take any loan
1
soaps
1
to bail myself
1
to buy a bed
1
to buy a donkey cart
1
to buy a freeze
1
to buy a fridge
1
to buy good and sell
1
to buy household contents
1
to buy livestocks
1
to buy spare parts for my car
1
to buy the babies nappies
1
to buy toiletries
1
1
to fixing my car
1
to pay of other accounts
1
to repair a car
1
to send to my kid
1
to support my child
1
to travel to a meeting in owamboland
1
transport
1
transport cost
1
1
wanted to buy cosmetics
1
went to pay for my passport
1
Q105.1 Sought debt counselor services
Q105.1 Did you seek any services of a debt counselor ?
If no go to Q107
1854
9
1
Yes
10
2
No
1844
Sysmiss
9
Q105.2 Was debt counselor services helpful?
Q105.2 Ask If YES in Q105. Was it helpful?
10
1853
1
Yes
10
2
No
0
Sysmiss
1853
Q105.3 Why the debt counselor services were not helpful?
Q105.3 Ask if No. Why it was not helpful?
0
1863
Sysmiss
1863
Q107 Have you applied for a loan in than past 6 months?
Q107 Have you applied for a loan in the past six (6) months?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
54
2
No
1800
Sysmiss
9
Q108 Have you been refused a loan in the past 6 months?
Q108 In the past six (6) months, have you been refused a loan?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
54
1809
1
Yes
11
2
No
43
Sysmiss
1809
Q109_1 Reason for being refused the loan
Q109 [IF YES, ASK:] What was the reason you were refused the loan?
[DO NOT READ. MULTIPLE MENTION POSSIBLE.]
11
1852
1
Did not have a down payment/deposit
0
2
Did not have a bank account
0
3
Did not have a credit history/references
2
4
Did not have an identity document
0
5
Did not have proof of a permanent address
0
6
Did not have a pay slip
0
7
Income was too low
3
8
Had too many other debts
0
9
Could not provide security/collateral
0
10
Other
4
11
Do not know
2
Sysmiss
1852
Q109_1 Reason for being refused the loan (other specified)
4
0
Because
1
1
I have l
1
they cou
1
Q107_1 Factors considered when choosing a loan product or source of borrowing
Q110 ASK ALL: When you choose a loan product or a source of borrowing, which factors do you consider to help you make your decision?
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
1854
9
1
Recommendation by family/friends/others in the community
578
2
Recommendation by the newspaper, radio and by official institutions
21
3
Low fees and charges
574
4
Trust in the product
81
5
Product association with a well-known brand
9
6
Explanation of the contract to me
14
7
Ability to get my money fast
53
8
Safety of my money
91
9
Explanation in a language that I understand
18
10
62
11
Closeness of the person or organisation who sells the product to where I live
71
12
Having a bad credit history
5
13
Other
277
Sysmiss
9
Q107_2 Factors considered when choosing a loan product or source of borrowing
652
1211
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
28
3
Low fees and charges
97
4
Trust in the product
142
5
Product association with a well-known brand
18
6
Explanation of the contract to me
26
7
Ability to get my money fast
65
8
Safety of my money
120
9
Explanation in a language that I understand
28
10
59
11
Closeness of the person or organisation who sells the product to where I live
46
12
Having a bad credit history
4
13
Other
19
Sysmiss
1211
Q107_3 Factors considered when choosing a loan product or source of borrowing
231
1632
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
6
4
Trust in the product
25
5
Product association with a well-known brand
19
6
Explanation of the contract to me
9
7
Ability to get my money fast
39
8
Safety of my money
62
9
Explanation in a language that I understand
25
10
28
11
Closeness of the person or organisation who sells the product to where I live
9
12
Having a bad credit history
3
13
Other
6
Sysmiss
1632
Q107_4 Factors considered when choosing a loan product or source of borrowing
95
1768
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
0
4
Trust in the product
2
5
Product association with a well-known brand
2
6
Explanation of the contract to me
6
7
Ability to get my money fast
14
8
Safety of my money
36
9
Explanation in a language that I understand
12
10
13
11
Closeness of the person or organisation who sells the product to where I live
8
12
Having a bad credit history
1
13
Other
1
Sysmiss
1768
Q107_5 Factors considered when choosing a loan product or source of borrowing
41
1822
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
0
4
Trust in the product
0
5
Product association with a well-known brand
0
6
Explanation of the contract to me
1
7
Ability to get my money fast
6
8
Safety of my money
11
9
Explanation in a language that I understand
7
10
12
11
Closeness of the person or organisation who sells the product to where I live
3
12
Having a bad credit history
0
13
Other
1
Sysmiss
1822
Q107_6 Factors considered when choosing a loan product or source of borrowing
23
1840
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
0
4
Trust in the product
0
5
Product association with a well-known brand
0
6
Explanation of the contract to me
0
7
Ability to get my money fast
1
8
Safety of my money
5
9
Explanation in a language that I understand
5
10
7
11
Closeness of the person or organisation who sells the product to where I live
3
12
Having a bad credit history
1
13
Other
1
Sysmiss
1840
Q107_7 Factors considered when choosing a loan product or source of borrowing
8
1855
1
Recommendation by family/friends/others in the community
0
2
Recommendation by the newspaper, radio and by official institutions
0
3
Low fees and charges
0
4
Trust in the product
0
5
Product association with a well-known brand
0
6
Explanation of the contract to me
0
7
Ability to get my money fast
0
8
Safety of my money
1
9
Explanation in a language that I understand
1
10
4
11
Closeness of the person or organisation who sells the product to where I live
1
12
Having a bad credit history
1
13
Other
0
Sysmiss
1855
Q107_7 Factors considered when choosing a loan product or source of borrowing (o
305
Am too old. I do not need a loan
1
Behaviour of person or institution
1
But, so far I haven't done that.
1
Cannot afford.
1
DID TRY IT YET
1
Did not Have loan
1
Did not apply any
1
Did not apply for a loan
1
Did not apply for loan
2
Did not choose a loan product yet
1
Did not choose a loan product yet and I don't like borrowing
1
Did not choose one yet
1
Did not plan to choose a loan product
1
Did not use any
1
Don't apply for loan
1
Don't apply for loans
1
Don't borrow money
1
Don't choose loan product
1
Employer
1
Financial planner
1
Have not applied for any
2
He does not borrow or consider it
1
I
1
I Wii never take a loan
1
I am too old for applying for a loan
1
I dd not think of applying a loan
1
I did apply any loan
1
I did not borrow any money
1
I did not choose any
1
I did not choose any loan
1
I didn't choose a loan
3
I dnt need a loan
2
1
I do not believe in borrowing money
1
I do not bo
1
I do not borrow
2
I do not borrow money at all
1
I do not borrow money since I have no money to pay
1
I do not have any
1
I do not have knowledge about it
1
I do not need a loan
3
I do not take loans
1
1
I don't ask or borrow
1
I don't borrow
9
I don't borrow at all
1
I don't borrow so I wouldn't know
2
I don't consider to take a loan
1
I don't know
5
I don't know anything about loan products
1
I don't know anything about loans
1
I don't know because I don't borrow
1
I don't know because I have never borrow
2
I don't know how it work
1
I don't know those things
1
I don't like borrowing
1
I don't like borrowing money at all
1
I don't like loans
1
I don't like to take a risky
1
I don't need a loan
5
I don't need a loan yet
1
I don't see the need
1
I don't take loans
1
I don't think of loan products
1
I don't think of loans
1
I don't work so how do I apply for a loan????
1
I hardly do borrow money. I better use what I have at that time
1
I have never done it be for so I don't know
1
I have never tried it
1
I know the person
1
I never borrow money
1
I never considered chosing a loan at all
1
I never plan on taking a loan so I don't see any factors
1
I never thought about taking a loan
1
I never thought of Loans
1
I never thought of it yet
1
I never try it
1
I will look at their time frame of paying back their money
1
I will never apply for a loan
1
I will never take a loan
1
Interest fees and time for repaying back.
1
Internet
1
Months I m to pay
1
Never applied any
1
Never applied for a loan
1
Never applied for one
1
Never borrow
2
Never choose a loan product
1
Never consider on taking a loan
1
Never consider taking out a loan
1
Never done any of the above
1
No charges
1
No need for a loan
1
Non
1
None
33
Not applicable to the respondent
1
Not interested to debt.
1
Not interested.
1
Only option I had
1
Period of pay back
1
Recquirements needed there.
1
Reliability
1
Research on internet.
1
Time that I have to pay the money back.
1
Took school books just because I had no choice
1
Where it's approved.
1
Will not borrow
1
ability to pay it back
1
bank manager
1
because is where i have account
1
confidentiality
1
considering whom will cover the loan if I die
1
did not choose any
2
did not choose one
2
didn't qualify to apply loan
1
do not borrow at all
2
do not have anything to give back so I do not borrow
1
do not know
1
do not know about these product
1
don't get loans
1
don't know
3
1
don't know from whom to borrow
1
don't know how it used
1
don't know how it works
3
don't really do loans
1
don't understand how the product work
1
don't understand that oroduct
1
dont know
2
easy to return back the cash
1
enough time to repay back
1
have no idea about loan
2
have no idea about the loan
1
have no idea loan product
1
have not done it
1
have not used any
1
haven't borrowed money before
1
he claims he does not loan or borrow
1
1
how quickly I can get the money
1
i didn't Not choose a loan
4
i didn't choose a loan
5
i didn't choose loan
1
i do not need a loan
1
i dont need a loan
2
i dont need to borrow a loan
1
i dot know
1
interest , terms and condition.
1
interest rate, collateral
1
it gives the amount that i need
1
lack of knowledge
2
method of payment
1
my employer
1
my partner
1
my wife always supports me
1
never applied for a loan
3
never applied for loan
1
never choose a loans
1
never chosen a loan
1
never did it.
1
never done it
1
never tried
1
never try it
2
never try it before
1
no experience about loan
1
no idea about loan
3
no loan
1
no one
2
no where to find money to pay back
1
none
36
1
none of the above
2
not interesting
1
nothing
3
nothing.
1
pay anytime when i get the money
1
pay back period
1
purpose of the loan
1
rates of the product
1
1
stability of interest rate.
1
still young for such process
1
the amount and the requirements of getting a loan
1
too old
1
Q111.1a Unexpected risks in the past 6 months: Increase in household size; more
Q111.1 Sometimes unexpected things happen and affect the money that people put aside for their expenses. Which of these things, if any, did your household face during the past 6 months?
[READ OUT. MULTIPLE MENTION POSSIBLE.]
240
1623
1
240
Sysmiss
1623
Q111.1b Unexpected risks in the past 6 months:Loss of income from income earner
101
1762
1
101
Sysmiss
1762
Q111.1c Unexpected risks in the past 6 months: Illness within your household or
385
1478
1
385
Sysmiss
1478
Q111.1d Unexpected risks in the past 6 months: Having to pay unforeseen school/e
155
1708
1
155
Sysmiss
1708
Q111.1e Unexpected risks in the past 6 months: Loss of your home
43
1820
1
43
Sysmiss
1820
Q111.1f Unexpected risks in the past 6 months: Loss of your savings
108
1755
1
108
Sysmiss
1755
Q111.1g Unexpected risks in the past 6 months: Damage to your home/loss of valua
69
1794
1
69
Sysmiss
1794
Q111.1h Unexpected risks in the past 6 months: Harvest failure or losses of crop
67
1796
1
67
Sysmiss
1796
Q111.11 Unexpected risks in the past 6 months: Death or illness of livestock
136
1727
1
136
Sysmiss
1727
Q111.1j Unexpected risks in the past 6 months: Low selling prices of products yo
26
1837
1
26
Sysmiss
1837
Q111.1k Unexpected risks in the past 6 months: Rise in living costs such as rent
285
1578
1
285
Sysmiss
1578
Q111.1l Unexpected risks in the past 6 months: Rise in interest rates (thinking
12
1851
1
12
Sysmiss
1851
Q111.1m Unexpected risks in the past 6 months: Other natural disasters (flood, e
68
1795
1
68
Sysmiss
1795
Q111.1n Unexpected risks in the past 6 months: Other (please specify:)
84
Birth of my grandchild
1
Bought School uniform
1
Cannot think of any
1
Did not face anything
1
Don't know.
1
Drinking out used my money when I got drunk and I did
1
Education of my children
1
Examination fees
1
Family matters
1
General household items
1
Getting employment
1
Got a car fixed
1
Got a family car fixed
1
Got the car fixed
1
Had to help out a friend
1
Had to pay for a camping trip for scholars
1
Helped a relative to fix something
1
I did not spend anything because I did not have incom
1
I faced no problems
1
I paid bail for my brother
1
Medical emergency
1
Milk and nappies
1
My medical expenses
1
Paid bail for brother
1
Pay Education
1
People borrowing from me.
1
Putting food on the table
1
SME close down,WHERE I was working
1
Sickness of my son
1
Still too young to think of that.
1
Transport
1
Water was cut and had to pay reconnecting fee.
1
Wedding
5
Wedding of relative
1
Weddings
2
a marriage
1
baby died
1
broken caminol
1
building our house
1
car accident
1
car brakes down
1
damage of my car part
1
did not experience any of those problems
1
didn't experience any
1
didn't face anything
1
expenses of going to the north
1
extended the building
1
fix the vehicle
1
food shortage
1
got very sick
1
he had a party for his new born baby
1
just my sister's son confirmation
1
lack of food
1
money to send to family
1
my fridge broke
1
no person to assist because I'm blind.
1
no problem
1
no specific reason
1
paid for an unexpected accident
1
paid for bail out for the son to be released
1
poverty
1
putting food on the table
1
1
sisters house construction
1
skipping of the policy payment
1
someone in the family died
1
study expenses
1
to government for tax
1
travelling
1
unexpected paying of debt
1
wedding
2
1
wedding of my niece
1
wedding that required money
1
weddings
2
weddings of relatives
1
weeding
1
Q111.1o Unexpected risks in the past 6 months: Someone in your family or close t
132
1731
16
132
Sysmiss
1731
Q111.1a Unexpected risks in the past 6 months: None
437
1426
15
437
Sysmiss
1426
Q111.2a Coping Method: Increase in household size; more dependents relying on ho
Q111.2 Can you also tell me what you did to cope with this financially?
[PLEASE REFER TO CODE LIST 10. DO NOT READ OUT. MULTIPLE MENTION POSSIBLE.]
240
1623
1
Claimed from insurance
2
2
Used savings
89
3
Borrowed money from community member
3
4
Got help from family/friends
50
5
Sold something to get some money
6
6
Cut down on expenses
28
7
Other
8
8
Did nothing
54
Sysmiss
1623
Q111.2b Coping Method: Loss of income from income earner
101
1762
1
Claimed from insurance
6
2
Used savings
20
3
Borrowed money from community member
2
4
Got help from family/friends
18
5
Sold something to get some money
6
6
Cut down on expenses
9
7
Other
1
8
Did nothing
39
Sysmiss
1762
13
1850
1
Clamied from insurance
0
2
Used savings
3
3
Borrowed money from community member
2
4
Got help from family/friends
5
5
Sold somethging to get some money
0
6
Cut down on expenses
2
7
Othert
1
8
Did nothing
0
Sysmiss
1850
3
1860
1
Clamied from insurance
0
2
Used savings
0
3
Borrowed money from community member
0
4
Got help from family/friends
2
5
Sold somethging to get some money
0
6
Cut down on expenses
1
7
Othert
0
8
Did nothing
0
Sysmiss
1860
0
1863
1
Clamied from insurance
0
2
Used savings
0
3
Borrowed money from community member
0
4
Got help from family/friends
0
5
Sold somethging to get some money
0
6
Cut down on expenses
0
7
Othert
0
8
Did nothing
0
Sysmiss
1863
0
1863
1
Clamied from insurance
0
2
Used savings
0
3
Borrowed money from community member
0
4
Got help from family/friends
0
5
Sold somethging to get some money
0
6
Cut down on expenses
0
7
Othert
0
8
Did nothing
0
Sysmiss
1863
0
1863
1
Clamied from insurance
0
2
Used savings
0
3
Borrowed money from community member
0
4
Got help from family/friends
0
5
Sold somethging to get some money
0
6
Cut down on expenses
0
7
Othert
0
8
Did nothing
0
Sysmiss
1863
0
1863
1
Clamied from insurance
0
2
Used savings
0
3
Borrowed money from community member
0
4
Got help from family/friends
0
5
Sold somethging to get some money
0
6
Cut down on expenses
0
7
Othert
0
8
Did nothing
0
Sysmiss
1863
0
1863
1
Clamied from insurance
0
2
Used savings
0
3
Borrowed money from community member
0
4
Got help from family/friends
0
5
Sold somethging to get some money
0
6
Cut down on expenses
0
7
Othert
0
8
Did nothing
0
Sysmiss
1863
2
0
from my pension money old age
1
search for another job
1
Q111.2c Coping Method: Illness within your household or family that required med
385
1478
1
Claimed from insurance
8
2
Used savings
171
3
Borrowed money from community member
22
4
Got help from family/friends
102
5
Sold something to get some money
15
6
Cut down on expenses
16
7
Other
12
8
Did nothing
39
Sysmiss
1478
41
1822
2
10
3
3
4
20
5
4
6
4
Sysmiss
1822
1
1862
6
1
Sysmiss
1862
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
12
Borrow money from my employer
1
Borrowed from employer
1
Get money from my empoyer
1
I sold pottery
1
I took them to the government clinic
1
I will pay Mahangu at the clinic
1
1
piecework
1
sell livestock
2
took a loan
1
used money that I was having
1
Q111.2d Coping Method: Having to pay unforeseen school/education fees
155
1708
1
Claimed from insurance
1
2
Used savings
58
3
Borrowed money from community member
5
4
Got help from family/friends
52
5
Sold something to get some money
9
6
Cut down on expenses
11
7
Other
6
8
Did nothing
13
Sysmiss
1708
22
1841
2
5
4
13
5
3
7
1
Sysmiss
1841
1
1862
5
1
Sysmiss
1862
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
7
Get money from the piece of working do
1
Sold LIVESTOCK
1
Use my children's grand
1
borrowed at employers
1
child grant
1
do piece work
1
salary
1
Q111.2e Coping Method: Loss of your home
43
1820
1
Claimed from insurance
3
2
Used savings
18
3
Borrowed money from community member
2
4
Got help from family/friends
5
5
Sold something to get some money
0
6
Cut down on expenses
2
7
Other
2
8
Did nothing
11
Sysmiss
1820
11
1852
1
1
2
2
4
7
6
1
Sysmiss
1852
1
1862
6
1
Sysmiss
1862
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
2
Got Financial aid from red cross, and Regional concil
1
boss must cover
1
Q111.2f Coping Method: Loss of your savings
108
1755
1
Claimed from insurance
3
2
Used savings
37
3
Borrowed money from community member
3
4
Got help from family/friends
24
5
Sold something to get some money
2
6
Cut down on expenses
7
7
Other
0
8
Did nothing
32
Sysmiss
1755
6
1857
2
1
4
2
5
1
6
2
Sysmiss
1857
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
Q111.2g Coping Method: Damage to your home/loss of valuable assets
69
1794
1
Claimed from insurance
3
2
Used savings
30
3
Borrowed money from community member
3
4
Got help from family/friends
11
5
Sold something to get some money
1
6
Cut down on expenses
3
7
Other
5
8
Did nothing
13
Sysmiss
1794
13
1850
1
1
3
1
4
6
5
2
6
2
7
1
Sysmiss
1850
4
1859
4
2
5
1
6
1
Sysmiss
1859
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
6
Assistance from the councilor with a tent
1
Overdraft from the bank
1
1
got a loan from a bank
1
got assistance from Red Cross
1
the owner did claim from insurance
1
Q111.2h Coping Method: Harvest failure or losses of crop harvest
67
1796
1
Claimed from insurance
0
2
Used savings
23
3
Borrowed money from community member
0
4
Got help from family/friends
22
5
Sold something to get some money
3
6
Cut down on expenses
1
7
Other
5
8
Did nothing
13
Sysmiss
1796
8
1855
3
1
4
4
5
2
7
1
Sysmiss
1855
2
1861
2
1
7
1
Sysmiss
1861
Q129d Services provided by these clubs: Keep the collected money for members and
41
1822
1
Yes
14
2
No
26
3
Do not know
1
Sysmiss
1822
Q129e Services provided by these clubs: Keep the collected money for members and
41
1822
1
Yes
20
2
No
20
3
Do not know
1
Sysmiss
1822
Q129f Services provided by these clubs: Buy assets as a group
41
1822
1
Yes
8
2
No
31
3
Do not know
2
Sysmiss
1822
Q129g Services provided by these clubs: Buy assets for members
41
1822
1
Yes
7
2
No
33
3
Do not know
1
Sysmiss
1822
Q129h Services provided by these clubs: Raise money for funerals for group membe
41
1822
1
Yes
25
2
No
16
3
Do not know
0
Sysmiss
1822
Q129i Services provided by these clubs: Raise money for other emergencies for me
41
1822
1
Yes
23
2
No
15
3
Do not know
3
Sysmiss
1822
Q129j Services provided by these clubs: Act as guarantor when members want to bo
41
1822
1
Yes
3
2
No
36
3
Do not know
2
Sysmiss
1822
Q130_1 Reasons for belonging to savings club or group
41
1822
1
Inherited the position from parents
1
2
It is compulsory for people in tribe or village
0
3
To socialise or meet friends
3
4
They give financial advice
5
5
Can turn to them when in financial need
8
6
To exchange ideas with other members
0
7
Can get money easily when needed
4
8
Trust and know them
3
9
To borrow money
3
10
Close and/or easy to get to
1
11
Easy to become a member
4
12
Don't get charged fees
2
13
It is an easy way of saving
5
14
Other
2
15
Do not know
0
Sysmiss
1822
Q130_2 Reasons for belonging to savings club or group
16
1847
1
Inherited the position from parents
0
2
It is compulsory for people in tribe or village
0
3
To socialise or meet friends
0
4
They give financial advice
0
5
Can turn to them when in financial need
0
6
To exchange ideas with other members
3
7
Can get money easily when needed
1
8
Trust and know them
1
9
To borrow money
3
10
Close and/or easy to get to
1
11
Easy to become a member
2
12
Don't get charged fees
0
13
It is an easy way of saving
5
14
Other
0
15
Do not know
0
Sysmiss
1847
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
7
got assistance from government
2
got money from old pension to buy food
1
piece work
1
piecework
2
survived from old pension
1
Q111.2i Coping Method: Death or illness of livestock
136
1727
1
Claimed from insurance
1
2
Used savings
46
3
Borrowed money from community member
3
4
Got help from family/friends
20
5
Sold something to get some money
9
6
Cut down on expenses
2
7
Other
5
8
Did nothing
50
Sysmiss
1727
18
1845
1
1
2
6
3
1
4
7
5
2
6
1
Sysmiss
1845
1
1862
6
1
Sysmiss
1862
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
5
0
1
borrowed at employers
1
borrowed money from employer
1
my employers did help
1
sell other livestock
1
26
1837
1
Claimed from insurance
1
2
Used savings
10
3
Borrowed money from community member
0
4
Got help from family/friends
4
5
Sold something to get some money
3
6
Cut down on expenses
2
7
Other
1
8
Did nothing
5
Sysmiss
1837
7
1856
2
2
4
3
5
1
6
1
Sysmiss
1856
2
1861
4
1
6
1
Sysmiss
1861
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
1
0
go with the economy prices
1
Q111.2k Coping Method: Rise in living costs such as rent, electricity, fuel, foo
285
1578
1
Claimed from insurance
1
2
Used savings
79
3
Borrowed money from community member
6
4
Got help from family/friends
47
5
Sold something to get some money
4
6
Cut down on expenses
71
7
Other
7
8
Did nothing
70
Sysmiss
1578
40
1823
1
1
2
9
3
2
4
15
5
1
6
10
7
2
Sysmiss
1823
3
1860
4
1
6
1
7
1
Sysmiss
1860
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
10
I took a loan
1
borrowed money from work
1
go to the shop
1
just trying giving ideas to my partner on how to cope since he is the one serving the household
1
money from my daughter
1
money from my employer
1
my old age money
1
saving what I have using things carefully
1
sold livestock
1
work harder
1
Q111.2l Coping Method: Rise in interest rates (thinking of money you borrowed)
12
1851
1
Claimed from insurance
0
2
Used savings
5
3
Borrowed money from community member
0
4
Got help from family/friends
1
5
Sold something to get some money
0
6
Cut down on expenses
1
7
Other
0
8
Did nothing
5
Sysmiss
1851
3
1860
4
1
6
2
Sysmiss
1860
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
68
1795
1
Claimed from insurance
3
2
Used savings
26
3
Borrowed money from community member
1
4
Got help from family/friends
7
5
Sold something to get some money
3
6
Cut down on expenses
6
7
Other
1
8
Did nothing
21
Sysmiss
1795
14
1849
2
4
3
2
4
4
6
2
7
2
Sysmiss
1849
4
1859
2
1
4
1
6
1
7
1
Sysmiss
1859
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
4
0
1
borrowed money from employe
1
cut grass for my cattles
1
government
1
Q111.2n Coping Method: Other (please specified:)
655
1208
1
Claimed from insurance
0
2
Used savings
135
3
Borrowed money from community member
6
4
Got help from family/friends
42
5
Sold something to get some money
2
6
Cut down on expenses
13
7
Other
14
8
Did nothing
443
Sysmiss
1208
16
1847
2
3
3
1
4
9
5
2
6
1
Sysmiss
1847
1
1862
4
1
Sysmiss
1862
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
0
1863
Sysmiss
1863
14
Borrowed money from family member.
1
Borrowed money from my employer
1
Gave a cow
1
Get help from my employer
1
None
1
Used money from the business
1
borrowed money from cashloans
1
borrowed money from employer
1
cash loan
1
non of the above
1
nothing happened
2
piecework
1
took out a cash loan
1
Q112.1 Insurance product usage - Funeral policy from a shop or store e.g. Edgars
Q112.1 Please tell me which of the following you have on your name, had in the past but do not have anymore, or never had.
[READ OUT. MULTIPLE MENTION POSSIBLE.]
1854
9
0
Never had
1777
1
Had in the past
33
3
Currently have
44
Sysmiss
9
Q112.1 Insurance product usage - Funeral cover through an undertaker/funeral hom
1854
9
0
Never had
1732
1
Had in the past
17
3
Currently have
105
Sysmiss
9
Q112.1 Insurance product usage - Funeral policy with an insurance company
1854
9
0
Never had
1507
1
Had in the past
29
3
Currently have
318
Sysmiss
9
Q112.1 Insurance product usage - Funeral policy with a broker
1854
9
0
Never had
1761
1
Had in the past
13
3
Currently have
80
Sysmiss
9
Q112.1 Insurance product usage - Funeral policy with a bank
1854
9
0
Never had
1749
1
Had in the past
15
3
Currently have
90
Sysmiss
9
Q112.1 Insurance product usage - Funeral cover/insurance from your employer
1854
9
0
Never had
1738
1
Had in the past
16
3
Currently have
100
Sysmiss
9
Q112.1 Insurance product usage - Belong to a burial society
1854
9
0
Never had
1833
1
Had in the past
7
3
Currently have
14
Sysmiss
9
Q112.1 Insurance product usage - Free funeral policy attached to savings or othe
1854
9
0
Never had
1789
1
Had in the past
7
3
Currently have
58
Sysmiss
9
Q112.1 Short-term insurance usage - Vehicle/car insurance
1854
9
0
Never had
1720
1
Had in the past
13
3
Currently have
121
Sysmiss
9
Q112.1 Short-term insurance usage - Household content insurance
1854
9
0
Never had
1743
1
Had in the past
8
3
Currently have
103
Sysmiss
9
Q112.1 Short-term insurance usage - Home owners insurance
1854
9
0
Never had
1751
1
Had in the past
4
3
Currently have
99
Sysmiss
9
Q112.1 Short-term insurance usage - Legal insurance
1854
9
0
Never had
1758
1
Had in the past
11
3
Currently have
85
Sysmiss
9
Q112.1 Short-term insurance usage - Cell phone insurance
1854
9
0
Never had
1777
1
Had in the past
17
3
Currently have
60
Sysmiss
9
Q112.1 Long-term insurance usage - Life insurance/assurance policy
1854
9
0
Never had
1630
1
Had in the past
14
3
Currently have
210
Sysmiss
9
Q112.1 Long-term insurance usage - Credit Life cover
1854
9
0
Never had
1811
1
Had in the past
7
3
Currently have
36
Sysmiss
9
Q112.1 Long-term insurance usage - Disability insurance with institution
1854
9
0
Never had
1747
1
Had in the past
8
3
Currently have
99
Sysmiss
9
Q112.1 Long-term insurance usage - Disability insurance with your employer
1854
9
0
Never had
1778
1
Had in the past
8
3
Currently have
68
Sysmiss
9
Q112.1 Long-term insurance usage - Dreaded disease/critical illness insurance
1854
9
0
Never had
1785
1
Had in the past
4
3
Currently have
65
Sysmiss
9
Q112.1 Long-term insurance usage - Professional insurance
1854
9
0
Never had
1828
1
Had in the past
4
3
Currently have
22
Sysmiss
9
Q112.1 Long-term insurance usage - Debtors insurance
1854
9
0
Never had
1846
1
Had in the past
2
3
Currently have
6
Sysmiss
9
Q112.1 Medical insurance usage - Medical aid/scheme
1854
9
0
Never had
1596
1
Had in the past
24
3
Currently have
234
Sysmiss
9
Q112.1 Medical insurance usage - Hospital plan
1854
9
0
Never had
1730
1
Had in the past
5
3
Currently have
119
Sysmiss
9
Q112.1 Medical insurance usage - Medical insurance
1854
9
0
Never had
1729
1
Had in the past
5
3
Currently have
120
Sysmiss
9
Q112.2_3a Reason for not having ANY FUNERAL COVER products
Q112.3a [IF NO ANY FUNERAL PRODUCT, i.e., A-G (codes 0 and 1), ASK:] Why don't you have any of funeral policy products?
[DO NOT READ. MULTIPLE MENTION POSSIBLE.]
1387
476
1
Cannot afford it
1103
2
Family will be looked after if you pass away
18
3
Do not need funeral cover
26
4
Have never thought about funeral cover
33
5
Don't want to think about dying
0
6
Funeral cover is not important to you
6
7
Healthy so don't need this kind of insurance
1
8
Not currently working
62
9
Family will pay for your funeral
15
10
Covered by someone else
28
11
Other
95
Sysmiss
476
Q112.2_3a Reason for not having ANY FUNERAL COVER products
247
1616
1
Cannot afford it
0
2
Family will be looked after if you pass away
39
3
Do not need funeral cover
8
4
Have never thought about funeral cover
21
5
Don't want to think about dying
3
6
Funeral cover is not important to you
4
7
Healthy so don't need this kind of insurance
1
8
Not currently working
123
9
Family will pay for your funeral
25
10
Covered by someone else
10
11
Other
13
Sysmiss
1616
Q112.2_3a Reason for not having ANY FUNERAL COVER products
30
1833
1
Cannot afford it
0
2
Family will be looked after if you pass away
0
3
Do not need funeral cover
3
4
Have never thought about funeral cover
0
5
Don't want to think about dying
4
6
Funeral cover is not important to you
0
7
Healthy so don't need this kind of insurance
0
8
Not currently working
4
9
Family will pay for your funeral
8
10
Covered by someone else
8
11
Other
3
Sysmiss
1833
Q112.2_3a Reason for not having ANY FUNERAL COVER products (other specified)
111
And don't know about them
1
Because my income is low
1
Can't afford
1
Didn't get Time
1
Do not have enough information on how they operate
1
Do not have fixed job
1
Do not know them
2
Don't even know what policies are
1
Don't know about the product
2
Don't know how it works
1
Don't know the product
1
Don't know them
5
Don't know what insurance is
1
Don't know what they are
1
Estate will cover for it
1
Free coffin from the government
1
Have no answer
1
I am Still young
1
I am a old person and I don't need any funeral policy
1
I am over 60 years they don't take pensioners
1
I do not have knowledge about funeral policy
1
I do not know the process
1
I do not like it
1
1
1
I don't know
1
I don't know about it
1
I don't know about the products
1
I don't know anything about Funeral policy products
1
I don't know anything about funeral policy products at all.
1
I don't know anything about them
1
I don't know enough about it
1
I don't know how to go about it
1
I don't know them
3
I don't know why
1
I don't understand what funeral policy is
1
I fear to lose my credit through deceiving
1
I like enjoying my money while am alive
1
I never heard about the products before
1
I never thought about it jet
1
I never thought of it
1
I stay far from town
1
1
I was preparing my house first
1
I will get next year
1
I'm old
1
Im too young and i am still a student
1
Just don't want it
1
My family cannot afford to pay those funeral
1
No enough information on how to get it
1
No income
1
No nothing about this products
1
She earn little money
1
Still looking best options
1
Still young
1
There is no time to apply for one
1
They are thinking about to take it
1
They didn't pay out all the money that I have been paying
1
Too old for such products
1
covered by the government
1
covered by the pension
1
do not know of funeral policies
1
do not qualify for that
1
don't have ID
1
don't know
2
don't know about funeral policies
1
don't know funeral policies
2
don't know how it operates
1
don't know of any funeral policy
1
don't know of funeral policy
1
don't know of funeral policy products
1
don't know what it is
3
1
dont know funeral policies
1
feel to young to have it
1
funeral policies always has issues when it comes to paying out
1
have funeral policy already with old age pension
1
1
have no idea on what they are doing
1
have not heard about it before
1
have with old age pension
1
i don't know about the advantages
1
i dpnt trust it
1
i travel alit and we go to dangerous country's and the company's don't want
1
i want to ,am planning to open up a funeral policy
1
in do not trust funeral policies
1
know nothing about it
1
my spouse does not want to discuss it
1
never see wealth on it
1
no documentation
1
no full-time employement
1
no indentation card
1
not interested.
1
requires pay slip
1
she claims that the institute's providing this services don't want her to pay directly or through the hands apparently only they only want to deduct it from the bank and she does not want that
1
still in school
1
student
1
thinking of getting something
1
will work on it soon
1
Q112_2_3b Reason for not having ANY SHORT TERM insurance products
Q112.3b [IF NO TO ANY SHORT-TERM INSURANCE PRODUCTS, i.e., I-M, (codes 0 and 1) ASK:] Why don't you have any of the short-term/assert insurance products?
[DO NOT READ. MULTIPLE MENTION POSSIBLE.]
1654
209
1
Cannot afford / It is too expensive
1186
2
I earn too little/I don’t have a job/I do not earn enough income
55
3
I do not need to be insured because the value of my things is too low
7
4
I don’t think anything will happen to my possessions
4
5
Don’t want it
47
6
Don’t believe in insurance
7
7
Never thought about it
34
8
I don’t know enough about these products
103
9
I don’t need it
19
10
Don’t have household contents
2
11
Do not trust insurance to pay out when I claim
5
12
These things are not meant for people like me
1
13
There are better things to spend my money on
1
14
Don’t see the benefits
2
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
19
17
I am not currently working
47
18
I was declined or did not qualify
1
19
The language used and conditions are too confusing
1
20
I have never been told about it
14
21
Covered by someone else
10
22
No reason
29
23
Do not know
37
24
Other
23
Sysmiss
209
Q112_2_3b Reason for not having ANY SHORT TERM insurance products
420
1443
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
244
3
I do not need to be insured because the value of my things is too low
3
4
I don’t think anything will happen to my possessions
2
5
Don’t want it
21
6
Don’t believe in insurance
4
7
Never thought about it
15
8
I don’t know enough about these products
35
9
I don’t need it
14
10
Don’t have household contents
2
11
Do not trust insurance to pay out when I claim
1
12
These things are not meant for people like me
5
13
There are better things to spend my money on
0
14
Don’t see the benefits
2
15
If I miss a payment I lose the insurance cover and the money I have paid for the
1
16
I am too young/still a student
12
17
I am not currently working
49
18
I was declined or did not qualify
1
19
The language used and conditions are too confusing
0
20
I have never been told about it
4
21
Covered by someone else
2
22
No reason
0
23
Do not know
0
24
Other
3
Sysmiss
1443
Q112_2_3b Reason for not having ANY SHORT TERM insurance products
64
1799
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
0
3
I do not need to be insured because the value of my things is too low
7
4
I don’t think anything will happen to my possessions
0
5
Don’t want it
7
6
Don’t believe in insurance
1
7
Never thought about it
4
8
I don’t know enough about these products
11
9
I don’t need it
7
10
Don’t have household contents
0
11
Do not trust insurance to pay out when I claim
1
12
These things are not meant for people like me
1
13
There are better things to spend my money on
0
14
Don’t see the benefits
1
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
11
17
I am not currently working
10
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
1
22
No reason
0
23
Do not know
0
24
Other
2
Sysmiss
1799
Q112_2_3b Reason for not having ANY SHORT TERM insurance products
12
1851
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
0
3
I do not need to be insured because the value of my things is too low
0
4
I don’t think anything will happen to my possessions
2
5
Don’t want it
0
6
Don’t believe in insurance
0
7
Never thought about it
2
8
I don’t know enough about these products
0
9
I don’t need it
2
10
Don’t have household contents
0
11
Do not trust insurance to pay out when I claim
0
12
These things are not meant for people like me
0
13
There are better things to spend my money on
0
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
0
17
I am not currently working
5
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
1
22
No reason
0
23
Do not know
0
24
Other
0
Sysmiss
1851
Q112_2_3b Reason for not having ANY SHORT TERM insurance products
1
1862
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
0
3
I do not need to be insured because the value of my things is too low
0
4
I don’t think anything will happen to my possessions
0
5
Don’t want it
0
6
Don’t believe in insurance
0
7
Never thought about it
0
8
I don’t know enough about these products
0
9
I don’t need it
1
10
Don’t have household contents
0
11
Do not trust insurance to pay out when I claim
0
12
These things are not meant for people like me
0
13
There are better things to spend my money on
0
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
0
17
I am not currently working
0
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
0
22
No reason
0
23
Do not know
0
24
Other
0
Sysmiss
1862
Q112_2_3c Reason for not having ANY LONG TERM insurance products
Q112.3c [IF NO TO LONG-TERM INSURANCE PRODUCTS, i.e., N-T, ASK:] Why don't you have long-term insurance products?
Q112.3c [IF NO TO LONG-TERM INSURANCE PRODUCTS, i.e., N-T, ASK:] Why don't you have long-term insurance products? [DO NOT READ. MULTIPLE MENTION POSSIBLE.]
1606
257
1
Cannot afford / It is too expensive
1146
2
I earn too little/I don’t have a job/I do not earn enough income
71
3
I do not need to be insured because the value of my things is too low
5
4
I don’t think anything will happen to my possessions
1
5
Don’t want it
43
6
Don’t believe in insurance
6
7
Never thought about it
34
8
I don’t know enough about these products
98
9
I don’t need it
19
10
Don’t have household contents
2
11
Do not trust insurance to pay out when I claim
3
12
These things are not meant for people like me
2
13
There are better things to spend my money on
1
14
Don’t see the benefits
2
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
22
17
I am not currently working
48
18
I was declined or did not qualify
1
19
The language used and conditions are too confusing
1
20
I have never been told about it
12
21
Covered by someone else
7
22
No reason
30
23
Do not know
39
24
Other
13
Sysmiss
257
Q112_2_3c Reason for not having ANY LONG TERM insurance products
429
1434
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
240
3
I do not need to be insured because the value of my things is too low
1
4
I don’t think anything will happen to my possessions
2
5
Don’t want it
21
6
Don’t believe in insurance
5
7
Never thought about it
16
8
I don’t know enough about these products
40
9
I don’t need it
9
10
Don’t have household contents
5
11
Do not trust insurance to pay out when I claim
1
12
These things are not meant for people like me
2
13
There are better things to spend my money on
2
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
15
17
I am not currently working
58
18
I was declined or did not qualify
3
19
The language used and conditions are too confusing
0
20
I have never been told about it
3
21
Covered by someone else
3
22
No reason
0
23
Do not know
0
24
Other
3
Sysmiss
1434
Q112_2_3c Reason for not having ANY LONG TERM insurance products
66
1797
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
0
3
I do not need to be insured because the value of my things is too low
3
4
I don’t think anything will happen to my possessions
1
5
Don’t want it
4
6
Don’t believe in insurance
7
7
Never thought about it
2
8
I don’t know enough about these products
10
9
I don’t need it
9
10
Don’t have household contents
3
11
Do not trust insurance to pay out when I claim
1
12
These things are not meant for people like me
2
13
There are better things to spend my money on
1
14
Don’t see the benefits
2
15
If I miss a payment I lose the insurance cover and the money I have paid for the
2
16
I am too young/still a student
6
17
I am not currently working
10
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
1
22
No reason
0
23
Do not know
0
24
Other
2
Sysmiss
1797
Q112_2_3c Reason for not having ANY LONG TERM insurance products
13
1850
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
0
3
I do not need to be insured because the value of my things is too low
0
4
I don’t think anything will happen to my possessions
1
5
Don’t want it
0
6
Don’t believe in insurance
2
7
Never thought about it
2
8
I don’t know enough about these products
0
9
I don’t need it
2
10
Don’t have household contents
0
11
Do not trust insurance to pay out when I claim
0
12
These things are not meant for people like me
0
13
There are better things to spend my money on
0
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
2
17
I am not currently working
4
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
0
22
No reason
0
23
Do not know
0
24
Other
0
Sysmiss
1850
Q112_2_3c Reason for not having ANY LONG TERM insurance products
6
1857
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
0
3
I do not need to be insured because the value of my things is too low
0
4
I don’t think anything will happen to my possessions
0
5
Don’t want it
1
6
Don’t believe in insurance
0
7
Never thought about it
0
8
I don’t know enough about these products
1
9
I don’t need it
1
10
Don’t have household contents
1
11
Do not trust insurance to pay out when I claim
0
12
These things are not meant for people like me
0
13
There are better things to spend my money on
0
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
0
17
I am not currently working
1
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
1
22
No reason
0
23
Do not know
0
24
Other
0
Sysmiss
1857
Q112_2_3d Reason for not having ANY MEDICAL insurance products
Q112.3d [IF NO TO MEDICAL INSURANCE PRODUCTS, i.e., U-W (codes 0 and 1), ASK:] Why don't you have medical insurance products?
[DO NOT READ. MULTIPLE MENTION POSSIBLE.]
1577
286
1
Cannot afford / It is too expensive
1221
2
I earn too little/I don’t have a job/I do not earn enough income
102
3
I do not need to be insured because the value of my things is too low
11
4
I don’t think anything will happen to my possessions
9
5
Don’t want it
11
6
Don’t believe in insurance
3
7
Never thought about it
56
8
I don’t know enough about these products
0
9
I don’t need it
53
10
Don’t have household contents
11
11
Do not trust insurance to pay out when I claim
35
12
These things are not meant for people like me
44
13
There are better things to spend my money on
21
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
0
17
I am not currently working
0
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
0
22
No reason
0
23
Do not know
0
24
Other
0
Sysmiss
286
Q112_2_3d Reason for not having ANY MEDICAL insurance products
422
1441
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
339
3
I do not need to be insured because the value of my things is too low
22
4
I don’t think anything will happen to my possessions
1
5
Don’t want it
6
6
Don’t believe in insurance
2
7
Never thought about it
16
8
I don’t know enough about these products
1
9
I don’t need it
26
10
Don’t have household contents
4
11
Do not trust insurance to pay out when I claim
0
12
These things are not meant for people like me
0
13
There are better things to spend my money on
5
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
0
17
I am not currently working
0
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
0
22
No reason
0
23
Do not know
0
24
Other
0
Sysmiss
1441
Q112_2_3d Reason for not having ANY MEDICAL insurance products
33
1830
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
0
3
I do not need to be insured because the value of my things is too low
12
4
I don’t think anything will happen to my possessions
1
5
Don’t want it
3
6
Don’t believe in insurance
0
7
Never thought about it
8
8
I don’t know enough about these products
1
9
I don’t need it
5
10
Don’t have household contents
1
11
Do not trust insurance to pay out when I claim
0
12
These things are not meant for people like me
0
13
There are better things to spend my money on
2
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
0
17
I am not currently working
0
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
0
22
No reason
0
23
Do not know
0
24
Other
0
Sysmiss
1830
Q112_2_3d Reason for not having ANY MEDICAL insurance products
3
1860
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
0
3
I do not need to be insured because the value of my things is too low
0
4
I don’t think anything will happen to my possessions
1
5
Don’t want it
0
6
Don’t believe in insurance
0
7
Never thought about it
2
8
I don’t know enough about these products
0
9
I don’t need it
0
10
Don’t have household contents
0
11
Do not trust insurance to pay out when I claim
0
12
These things are not meant for people like me
0
13
There are better things to spend my money on
0
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
0
17
I am not currently working
0
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
0
22
No reason
0
23
Do not know
0
24
Other
0
Sysmiss
1860
Q112_2_3d Reason for not having ANY MEDICAL insurance products
1
1862
1
Cannot afford / It is too expensive
0
2
I earn too little/I don’t have a job/I do not earn enough income
0
3
I do not need to be insured because the value of my things is too low
0
4
I don’t think anything will happen to my possessions
0
5
Don’t want it
0
6
Don’t believe in insurance
0
7
Never thought about it
0
8
I don’t know enough about these products
0
9
I don’t need it
1
10
Don’t have household contents
0
11
Do not trust insurance to pay out when I claim
0
12
These things are not meant for people like me
0
13
There are better things to spend my money on
0
14
Don’t see the benefits
0
15
If I miss a payment I lose the insurance cover and the money I have paid for the
0
16
I am too young/still a student
0
17
I am not currently working
0
18
I was declined or did not qualify
0
19
The language used and conditions are too confusing
0
20
I have never been told about it
0
21
Covered by someone else
0
22
No reason
0
23
Do not know
0
24
Other
0
Sysmiss
1862
Q113.1 In the past 6 months, have you sent money to someone elsewhere in the cou
Q113.1 Many people tell us that they use different services to send money from time to time. In the past six (6) months, have you SENT money to someone living in a different place within the country?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
667
2
No
1187
Sysmiss
9
Q113.2 In the past 6 months, have you sent money to someone in another country?
Q113.2 And have you SENT money to someone living in another country in the past six (6) months?
1854
9
1
Yes
93
2
No
1761
Sysmiss
9
Q114.2 Where are you sending the money to when you are sending it - Spouse/Partn
Q114.1 To whom have you sent money to in the past six (6) months?
[DO NOT READ. MULTIPLE MENTION POSSIBLE.]
60
1803
1
Rural village
24
2
Urban Town /City
35
3
Outside the country
1
Sysmiss
1803
Q114.2 Where are you sending the money to when you are sending it - Child
Q114.2 Where are you sending the money to when you are sending it?
[READ OUT. MULTIPLE MENTION. SEE CODE LIST 11.]
203
1660
1
Rural village
72
2
Urban Town /City
127
3
Outside the country
4
Sysmiss
1660
Q114.2 Where are you sending the money to when you are sending it - Parent
Q114.3 How often do you send the money?
[READ OUT. SINGLE MENTION. SEE CODE LIST 12.]
159
1704
1
Rural village
113
2
Urban Town /City
44
3
Outside the country
2
Sysmiss
1704
Q114.2 Where are you sending the money to when you are sending it - Other family
Q114.4 How do you send the money?
[READ OUT. MULTIPLE MENTION POSSIBLE. SEE CODE LIST 13.]
285
1578
1
Rural village
119
2
Urban Town /City
158
3
Outside the country
8
Sysmiss
1578
Q114.2 Where are you sending the money to when you are sending it - Friend
Q114.5 How much did you send the last time you sent money?
[SINGLE MENTION.]
49
1814
1
Rural village
14
2
Urban Town /City
34
3
Outside the country
1
Sysmiss
1814
Q114.2 Where are you sending the money to when you are sending it - Supplier
5
1858
1
Rural village
1
2
Urban Town /City
2
3
Outside the country
2
Sysmiss
1858
Q114.2 Where are you sending the money to when you are sending it - Someone you
4
1859
1
Rural village
1
2
Urban Town /City
2
3
Outside the country
1
Sysmiss
1859
Q114.2 Where are you sending the money to when you are sending it - School, coll
3
1860
1
Rural village
0
2
Urban Town /City
2
3
Outside the country
1
Sysmiss
1860
Q114.2 Where are you sending the money to when you are sending it - To a busines
4
1859
1
Rural village
0
2
Urban Town /City
2
3
Outside the country
2
Sysmiss
1859
Q114.2 Where are you sending the money to when you are sending it - Other
26
1837
1
Rural village
10
2
Urban Town /City
14
3
Outside the country
2
Sysmiss
1837
Q114.3 Frequency of sending money to - Spouse/Partner
60
1803
1
Weekly
1
2
Every two weeks
2
3
Monthly
28
4
Seasonally
19
5
Once a year
4
6
Other
6
Sysmiss
1803
Q114.3 Frequency of sending money to - Child
203
1660
1
Weekly
0
2
Every two weeks
2
3
Monthly
120
4
Seasonally
50
5
Once a year
10
6
Other
21
Sysmiss
1660
Q114.3 Frequency of sending money to - Parent
159
1704
1
Weekly
0
2
Every two weeks
1
3
Monthly
91
4
Seasonally
43
5
Once a year
15
6
Other
9
Sysmiss
1704
Q114.3 Frequency of sending money to - Other family member
285
1578
1
Weekly
0
2
Every two weeks
0
3
Monthly
99
4
Seasonally
79
5
Once a year
67
6
Other
40
Sysmiss
1578
Q114.3 Frequency of sending money to - Friend
49
1814
1
Weekly
1
2
Every two weeks
0
3
Monthly
10
4
Seasonally
15
5
Once a year
15
6
Other
8
Sysmiss
1814
Q114.3 Frequency of sending money to - Supplier
5
1858
1
Weekly
0
2
Every two weeks
0
3
Monthly
3
4
Seasonally
0
5
Once a year
1
6
Other
1
Sysmiss
1858
Q114.3 Frequency of sending money to - Someone you borrowed from
4
1859
1
Weekly
0
2
Every two weeks
0
3
Monthly
0
4
Seasonally
0
5
Once a year
2
6
Other
2
Sysmiss
1859
Q114.3 Frequency of sending money to - School, college or university
3
1860
1
Weekly
0
2
Every two weeks
0
3
Monthly
3
4
Seasonally
0
5
Once a year
0
6
Other
0
Sysmiss
1860
Q114.3 Frequency of sending money to - A business
4
1859
1
Weekly
0
2
Every two weeks
0
3
Monthly
1
4
Seasonally
0
5
Once a year
2
6
Other
1
Sysmiss
1859
Q114.3 Frequency of sending money to - Other
26
1837
1
Weekly
0
2
Every two weeks
0
3
Monthly
14
4
Seasonally
4
5
Once a year
4
6
Other
4
Sysmiss
1837
Q114.4 Usual channel / means of sending money to - Spouse/Partner
60
1803
1
Bank transfer / telegraphic transfer
4
2
Pay into bank account
23
3
Post office/Nampost
6
4
Retail
0
5
Friends or family
7
6
Runner (Bus/taxi driver)
5
7
Cell phone banking
1
8
Cell phone top up
0
9
Wallet money
9
10
Internet banking transfer
3
11
Other
2
Sysmiss
1803
Q114.4 Usual channel / means of sending money to - Spouse/Partner
4
1859
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
1
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
1
7
Cell phone banking
1
8
Cell phone top up
0
9
Wallet money
1
10
Internet banking transfer
0
11
Other
0
Sysmiss
1859
Q114.4 Usual channel / means of sending money to - Spouse/Partner
1
1862
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
1
10
Internet banking transfer
0
11
Other
0
Sysmiss
1862
Q114.4 Usual channel / means of sending money to - Child
203
1660
1
Bank transfer / telegraphic transfer
17
2
Pay into bank account
84
3
Post office/Nampost
21
4
Retail
7
5
Friends or family
23
6
Runner (Bus/taxi driver)
11
7
Cell phone banking
4
8
Cell phone top up
0
9
Wallet money
28
10
Internet banking transfer
2
11
Other
6
Sysmiss
1660
Q114.4 Usual channel / means of sending money to - Child
27
1836
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
3
4
Retail
1
5
Friends or family
1
6
Runner (Bus/taxi driver)
4
7
Cell phone banking
1
8
Cell phone top up
1
9
Wallet money
16
10
Internet banking transfer
0
11
Other
0
Sysmiss
1836
Q114.4 Usual channel / means of sending money to - Child
3
1860
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
2
8
Cell phone top up
0
9
Wallet money
0
10
Internet banking transfer
1
11
Other
0
Sysmiss
1860
Q114.4 Usual channel / means of sending money to - Parent
159
1704
1
Bank transfer / telegraphic transfer
14
2
Pay into bank account
45
3
Post office/Nampost
29
4
Retail
4
5
Friends or family
23
6
Runner (Bus/taxi driver)
3
7
Cell phone banking
5
8
Cell phone top up
1
9
Wallet money
29
10
Internet banking transfer
5
11
Other
1
Sysmiss
1704
Q114.4 Usual channel / means of sending money to - Parent
8
1855
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
1
4
Retail
3
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
1
8
Cell phone top up
0
9
Wallet money
3
10
Internet banking transfer
0
11
Other
0
Sysmiss
1855
Q114.4 Usual channel / means of sending money to - Parent
2
1861
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
1
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
1
8
Cell phone top up
0
9
Wallet money
0
10
Internet banking transfer
0
11
Other
0
Sysmiss
1861
Q114.4 Usual channel / means of sending money to - Other family member
285
1578
1
Bank transfer / telegraphic transfer
15
2
Pay into bank account
100
3
Post office/Nampost
22
4
Retail
8
5
Friends or family
22
6
Runner (Bus/taxi driver)
16
7
Cell phone banking
15
8
Cell phone top up
0
9
Wallet money
73
10
Internet banking transfer
7
11
Other
7
Sysmiss
1578
Q114.4 Usual channel / means of sending money to - Other family member
27
1836
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
1
4
Retail
2
5
Friends or family
1
6
Runner (Bus/taxi driver)
2
7
Cell phone banking
4
8
Cell phone top up
0
9
Wallet money
12
10
Internet banking transfer
4
11
Other
1
Sysmiss
1836
Q114.4 Usual channel / means of sending money to - Other family member
5
1858
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
1
8
Cell phone top up
0
9
Wallet money
4
10
Internet banking transfer
0
11
Other
0
Sysmiss
1858
Q114.4 Usual channel / means of sending money to - Friend
49
1814
1
Bank transfer / telegraphic transfer
7
2
Pay into bank account
15
3
Post office/Nampost
1
4
Retail
4
5
Friends or family
1
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
3
8
Cell phone top up
0
9
Wallet money
17
10
Internet banking transfer
1
11
Other
0
Sysmiss
1814
Q114.4 Usual channel / means of sending money to - Friend
6
1857
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
1
8
Cell phone top up
1
9
Wallet money
3
10
Internet banking transfer
1
11
Other
0
Sysmiss
1857
Q114.4 Usual channel / means of sending money to - Friend
1
1862
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
1
10
Internet banking transfer
0
11
Other
0
Sysmiss
1862
Q114.4 Usual channel / means of sending money to - Supplier
5
1858
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
1
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
1
10
Internet banking transfer
3
11
Other
0
Sysmiss
1858
Q114.4 Usual channel / means of sending money to - Someone you borrowed money fr
4
1859
1
Bank transfer / telegraphic transfer
1
2
Pay into bank account
1
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
1
10
Internet banking transfer
0
11
Other
1
Sysmiss
1859
Q114.4 Usual channel / means of sending money to - School, college, university
3
1860
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
0
10
Internet banking transfer
3
11
Other
0
Sysmiss
1860
Q114.4 Usual channel / means of sending money to - A business
4
1859
1
Bank transfer / telegraphic transfer
2
2
Pay into bank account
1
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
0
10
Internet banking transfer
1
11
Other
0
Sysmiss
1859
Q114.4 Usual channel / means of sending money to - A business
2
1861
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
1
8
Cell phone top up
0
9
Wallet money
0
10
Internet banking transfer
0
11
Other
1
Sysmiss
1861
Q114.4 Usual channel / means of sending money to - Other
26
1837
1
Bank transfer / telegraphic transfer
1
2
Pay into bank account
8
3
Post office/Nampost
4
4
Retail
0
5
Friends or family
1
6
Runner (Bus/taxi driver)
1
7
Cell phone banking
1
8
Cell phone top up
0
9
Wallet money
7
10
Internet banking transfer
2
11
Other
1
Sysmiss
1837
Q114.5 The amount of money last sent to - Spouse/Partner
Q114.5 How much did you send the last time you sent money?
[SINGLE MENTION.]
60
1803
150
4000
1023.333
858.579
Q114.5 The amount of money last sent to - Child
203
1660
50
17800
928.768
1552.967
Q114.5 The amount of money last sent to - Parent
159
1704
100
10000
952.201
1231.398
Q114.5 The amount of money last sent to - Other family member
285
1578
0
20000
997.737
1725.657
Q114.5 The amount of money last sent to - Friend
49
1814
100
50000
2289.959
7295.955
Q114.5 The amount of money last sent to - Supplier
5
1858
252
14600
3410.4
6264.371
Q114.5 The amount of money last sent to - Someone you borrowed from
4
1859
200
1400
625
531.507
Q114.5 The amount of money last sent to - School, college or university
3
1860
1000
5000
3400
2116.601
Q114.5 The amount of money last sent to - Business
4
1859
500
9000
3625
3902.456
Q114.5 The amount of money last sent to - Other
26
1837
0
10000
1159.615
1938.351
Q11y.1 In the past 6 months, have you received money from someone living within
[DO NOT READ OUT. SINGLE]
1854
9
1
Yes
571
2
No
1283
Sysmiss
9
Q115.2 In the past 6 months, have you received money from someone living in anot
Q115.2 And have you RECEIVED money from someone living in another country in the last six (6) months?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
50
2
No
1804
Sysmiss
9
Q116.2 Where are you receiving the money from - Spouse/Partner
[DO NOT READ. MULTIPLE MENTION POSSIBLE.]
74
1789
1
Rural village
17
2
Urban Town /City
55
3
Outside the country
2
Sysmiss
1789
Q116.2 Where are you receiving the money from - Child
85
1778
1
Rural village
17
2
Urban Town /City
64
3
Outside the country
4
Sysmiss
1778
Q116.2 Where are you receiving the money from - Parent
82
1781
1
Rural village
26
2
Urban Town /City
55
3
Outside the country
1
Sysmiss
1781
Q116.2 Where are you receiving the money from - Other family member
276
1587
1
Rural village
56
2
Urban Town /City
216
3
Outside the country
4
Sysmiss
1587
Q116.2 Where are you receiving the money from - Friend
73
1790
1
Rural village
12
2
Urban Town /City
58
3
Outside the country
3
Sysmiss
1790
Q116.2 Where are you receiving the money from - Supplier
5
1858
1
Rural village
3
2
Urban Town /City
2
3
Outside the country
0
Sysmiss
1858
Q116.2 Where are you receiving the money from - School, college or university
0
1863
1
Rural village
0
2
Urban Town /City
0
3
Outside the country
0
Sysmiss
1863
Q116.2 Where are you receiving the money from - To a business
4
1859
1
Rural village
0
2
Urban Town /City
3
3
Outside the country
1
Sysmiss
1859
Q116.2 Where are you receiving the money from - Other
32
1831
1
Rural village
9
2
Urban Town /City
23
3
Outside the country
0
Sysmiss
1831
Q116.3 Frequency of sending money to - Spouse/Partner
116.3 How often do you receive the money sent to you?
[READ OUT. SINGLE MENTION. SEE CODE LIST 12.]
74
1789
1
Weekly
0
2
Every two weeks
0
3
Monthly
44
4
Seasonally
17
5
Once a year
8
6
Other
5
Sysmiss
1789
Q116.3 Frequency of sending money to - Child
85
1778
1
Weekly
0
2
Every two weeks
0
3
Monthly
31
4
Seasonally
20
5
Once a year
20
6
Other
14
Sysmiss
1778
Q116.3 Frequency of sending money to - Parent
82
1781
1
Weekly
1
2
Every two weeks
2
3
Monthly
39
4
Seasonally
21
5
Once a year
8
6
Other
11
Sysmiss
1781
Q116.3 Frequency of sending money to - Other family member
276
1587
1
Weekly
1
2
Every two weeks
2
3
Monthly
71
4
Seasonally
76
5
Once a year
73
6
Other
53
Sysmiss
1587
Q116.3 Frequency of sending money to - Friend
73
1790
1
Weekly
2
2
Every two weeks
0
3
Monthly
11
4
Seasonally
28
5
Once a year
15
6
Other
17
Sysmiss
1790
Q116.3 Frequency of sending money to - Supplier
5
1858
1
Weekly
0
2
Every two weeks
0
3
Monthly
3
4
Seasonally
2
5
Once a year
0
6
Other
0
Sysmiss
1858
Q116.3 Frequency of sending money to - School, college or university
0
1863
1
Weekly
0
2
Every two weeks
0
3
Monthly
0
4
Seasonally
0
5
Once a year
0
6
Other
0
Sysmiss
1863
Q116.3 Frequency of sending money to - A business
4
1859
1
Weekly
0
2
Every two weeks
0
3
Monthly
2
4
Seasonally
1
5
Once a year
0
6
Other
1
Sysmiss
1859
Q116.3 Frequency of sending money to - Other
32
1831
1
Weekly
0
2
Every two weeks
1
3
Monthly
11
4
Seasonally
5
5
Once a year
6
6
Other
9
Sysmiss
1831
Q116.4 Usual channel / means of receiving money from - Spouse/Partner
Q116.4 How is the money sent to you?
[READ OUT. MULTIPLE MENTION POSSIBLE. SEE CODE LIST 13.]
74
1789
1
Bank transfer / telegraphic transfer
6
2
Pay into bank account
34
3
Post office/Nampost
8
4
Retail
2
5
Friends or family
3
6
Runner (Bus/taxi driver)
3
7
Cell phone banking
2
8
Cell phone top up
0
9
Wallet money
11
10
Internet banking transfer
2
11
Other
3
Sysmiss
1789
Q116.4 Usual channel / means of receiving money from - Spouse/Partner
6
1857
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
3
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
2
10
Internet banking transfer
0
11
Other
1
Sysmiss
1857
Q116.4 Usual channel / means of receiving money from - Spouse/Partner
1
1862
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
1
10
Internet banking transfer
0
11
Other
0
Sysmiss
1862
Q116.4 Usual channel / means of receiving money from - Child
85
1778
1
Bank transfer / telegraphic transfer
1
2
Pay into bank account
29
3
Post office/Nampost
19
4
Retail
1
5
Friends or family
10
6
Runner (Bus/taxi driver)
3
7
Cell phone banking
0
8
Cell phone top up
1
9
Wallet money
18
10
Internet banking transfer
0
11
Other
3
Sysmiss
1778
Q116.4 Usual channel / means of receiving money from - Child
2
1861
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
1
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
1
10
Internet banking transfer
0
11
Other
0
Sysmiss
1861
Q116.4 Usual channel / means of receiving money from - Parent
82
1781
1
Bank transfer / telegraphic transfer
5
2
Pay into bank account
28
3
Post office/Nampost
3
4
Retail
1
5
Friends or family
10
6
Runner (Bus/taxi driver)
3
7
Cell phone banking
3
8
Cell phone top up
0
9
Wallet money
17
10
Internet banking transfer
1
11
Other
11
Sysmiss
1781
Q116.4 Usual channel / means of receiving money from - Parent
7
1856
1
Bank transfer / telegraphic transfer
2
2
Pay into bank account
2
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
3
10
Internet banking transfer
0
11
Other
0
Sysmiss
1856
Q116.4 Usual channel / means of receiving money from - Other family member
276
1587
1
Bank transfer / telegraphic transfer
8
2
Pay into bank account
90
3
Post office/Nampost
17
4
Retail
5
5
Friends or family
12
6
Runner (Bus/taxi driver)
11
7
Cell phone banking
7
8
Cell phone top up
1
9
Wallet money
101
10
Internet banking transfer
3
11
Other
21
Sysmiss
1587
Q116.4 Usual channel / means of receiving money from - Other family member
16
1847
1
Bank transfer / telegraphic transfer
1
2
Pay into bank account
3
3
Post office/Nampost
0
4
Retail
1
5
Friends or family
1
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
1
8
Cell phone top up
0
9
Wallet money
7
10
Internet banking transfer
0
11
Other
2
Sysmiss
1847
Q116.4 Usual channel / means of receiving money from - Other family member
4
1859
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
1
3
Post office/Nampost
1
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
1
8
Cell phone top up
0
9
Wallet money
0
10
Internet banking transfer
0
11
Other
1
Sysmiss
1859
Q116.4 Usual channel / means of receiving money from - Friend
73
1790
1
Bank transfer / telegraphic transfer
5
2
Pay into bank account
24
3
Post office/Nampost
0
4
Retail
3
5
Friends or family
5
6
Runner (Bus/taxi driver)
1
7
Cell phone banking
2
8
Cell phone top up
0
9
Wallet money
22
10
Internet banking transfer
1
11
Other
10
Sysmiss
1790
Q116.4 Usual channel / means of receiving money from - Friend
4
1859
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
1
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
1
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
2
10
Internet banking transfer
0
11
Other
0
Sysmiss
1859
Q116.4 Usual channel / means of receiving money from - Supplier
5
1858
1
Bank transfer / telegraphic transfer
1
2
Pay into bank account
4
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
0
10
Internet banking transfer
0
11
Other
0
Sysmiss
1858
Q116.4 Usual channel / means of receiving money from - School, college or univer
0
1863
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
0
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
0
10
Internet banking transfer
0
11
Other
0
Sysmiss
1863
Q116.4 Usual channel / means of receiving money from - A business
4
1859
1
Bank transfer / telegraphic transfer
0
2
Pay into bank account
4
3
Post office/Nampost
0
4
Retail
0
5
Friends or family
0
6
Runner (Bus/taxi driver)
0
7
Cell phone banking
0
8
Cell phone top up
0
9
Wallet money
0
10
Internet banking transfer
0
11
Other
0
Sysmiss
1859
Q116.4 Usual channel / means of receiving money from - Other
32
1831
1
Bank transfer / telegraphic transfer
2
2
Pay into bank account
12
3
Post office/Nampost
1
4
Retail
1
5
Friends or family
0
6
Runner (Bus/taxi driver)
3
7
Cell phone banking
2
8
Cell phone top up
0
9
Wallet money
6
10
Internet banking transfer
0
11
Other
5
Sysmiss
1831
Q116.5 The amount of money last received from - Spouse/Partner
Q116.5 The last time you received money, how much did you receive?
[SINGLE MENTION.]
74
1789
200
15000
1912.162
3210.266
Q116.5 The amount of money last received from - Child
85
1778
0
50000
1604
5569.251
Q116.5 The amount of money last received from - Parent
82
1781
50
10000
939.024
1439.372
Q116.5 The amount of money last received from - Other family member
276
1587
0
15000
747.518
1400.574
Q116.5 The amount of money last received from - Friend
73
1790
20
50000
2263.973
6516.908
Q116.5 The amount of money last received from - Supplier
5
1858
500
11000
3740
4157.884
Q116.5 The amount of money last received from - School, college or university
0
1863
Sysmiss
1863
Q116.5 The amount of money last received from - Business
4
1859
100
15000
4500
7038.466
Q116.5 The amount of money last received from - Other
32
1831
0
10000
1736.563
2625.988
Q117a Agree/Disagree: If you are not employed, you cannot open bank account
Q117a Please tell me how much you agree or disagree with the following statements when thinking about banks and their products and services (including Nampost):
[READ OUT. SINGLE MENTION PER STATEMENT.
1854
9
1
Strongly agree
194
2
Agree
425
3
Neither agree nor disagree
139
4
Disagree
823
5
Strongly disagree
273
Sysmiss
9
Q117a Agree/Disagree: Having a bank account makes it easier to get credit
1854
9
1
Strongly agree
188
2
Agree
736
3
Neither agree nor disagree
445
4
Disagree
389
5
Strongly disagree
96
Sysmiss
9
Q117a Agree/Disagree: You can easily live your life without a bank account
1854
9
1
Strongly agree
248
2
Agree
660
3
Neither agree nor disagree
230
4
Disagree
579
5
Strongly disagree
137
Sysmiss
9
Q117a Agree/Disagree: Most services from banks are also offered elsewhere
1854
9
1
Strongly agree
94
2
Agree
553
3
Neither agree nor disagree
632
4
Disagree
474
5
Strongly disagree
101
Sysmiss
9
Q117a Agree/Disagree: Banks try to understand your needs and offer you products
1854
9
1
Strongly agree
152
2
Agree
713
3
Neither agree nor disagree
620
4
Disagree
310
5
Strongly disagree
59
Sysmiss
9
Q117a Agree/Disagree: You trust banks with your money
1854
9
1
Strongly agree
551
2
Agree
888
3
Neither agree nor disagree
218
4
Disagree
153
5
Strongly disagree
44
Sysmiss
9
Q117b You are aware that there are basic account with minimum transactional fees
Q117b I am going to read a list of statements people have said about banks and money. Looking at this list of statements, please tell me which of these are true for you?):
[READ OUT. SINGLE MENTION PER STATEMENT.]
1854
9
1
Yes
963
2
No
400
3
Do not know
491
Sysmiss
9
Q117b You are aware that you can open up a basic bank account with minimum of N$
1854
9
1
Yes
864
2
No
555
3
Do not know
435
Sysmiss
9
Q117b Are you aware that you can receive money from someone by simple having a m
1854
9
1
Yes
1495
2
No
148
3
Do not know
211
Sysmiss
9
Q118.1 Transactional account
Q118.1 Please tell me which of the following Bank Services you currently have, had in the past but not anymore and which you have never had.
[READ OUT. SINGLE MENTION PER BANK SERVICE ONLY.]
1854
9
0
Never had
1408
1
Used to have
61
2
Currently have
385
Sysmiss
9
Q118.1 Savings Account
[ASK FOR ALL PRODUCTS IDENTIFIED AS CURRENTLY HAVE OR HAD IN THE PAST, THE INSTITUTION AT WHICH A PRODUCT WAS HELD. PLEASE SEE CODE LIST 12. DO NOT READ OUT. MULTIPLE MENTION POSSIBLE. SEE CODE LIST 8.]
1854
9
0
Never had
792
1
Used to have
131
2
Currently have
931
Sysmiss
9
Q118.1 Fixed deposit account
1854
9
0
Never had
1689
1
Used to have
34
2
Currently have
131
Sysmiss
9
Q118.1 Flexible fixed deposit account (i.e., fixed account that allows minimum w
1854
9
0
Never had
1699
1
Used to have
21
2
Currently have
134
Sysmiss
9
Q118.1 Credit card
1854
9
0
Never had
1709
1
Used to have
15
2
Currently have
130
Sysmiss
9
Q118.1 Money Market account
1854
9
0
Never had
1817
1
Used to have
10
2
Currently have
27
Sysmiss
9
Q118.1 Personal Loan account
1854
9
0
Never had
1773
1
Used to have
20
2
Currently have
61
Sysmiss
9
Q118.1 Foreign Currency account
1854
9
0
Never had
1841
1
Used to have
3
2
Currently have
10
Sysmiss
9
Q118.1 Bank account outside Namibia
1854
9
0
Never had
1820
1
Used to have
11
2
Currently have
23
Sysmiss
9
Q118.1 Bank overdraft
1854
9
0
Never had
1745
1
Used to have
31
2
Currently have
78
Sysmiss
9
Q118.1 Standing order/debit orders
1854
9
0
Never had
1704
1
Used to have
14
2
Currently have
136
Sysmiss
9
Q118.1 Internet Banking
1854
9
0
Never had
1623
1
Used to have
17
2
Currently have
214
Sysmiss
9
Q118.1 Cellphone banking
1854
9
0
Never had
1291
1
Used to have
41
2
Currently have
522
Sysmiss
9
Q118.1 Wallet account (mobipay,ewallet,bluewallet,easywallet)
1854
9
0
Never had
1250
1
Used to have
42
2
Currently have
562
Sysmiss
9
Q118.1 Foreign Investment account/offshore investments
1854
9
0
Never had
1839
1
Used to have
0
2
Currently have
15
Sysmiss
9
Q118.2 Where bank products held - Transactional account?
Q118.2 Please also tell me which financial institutions you have or had products at.
[ASK FOR ALL PRODUCTS IDENTIFIED AS CURRENTLY HAVE OR HAD IN THE PAST, THE INSTITUTION AT WHICH A PRODUCT WAS HELD. PLEASE SEE CODE LIST 12. DO NOT READ OUT. MULTIPLE MENTION POSSIBLE. SEE CODE LIST 8.]
439
1424
1
Bank of Windhoek
97
2
First National Bank
234
3
Nedbank
9
4
Standard Bank
79
5
Nampost
18
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
2
13
Others
0
Sysmiss
1424
Q118.2 Where bank products held - Transactional account?
54
1809
1
Bank of Windhoek
4
2
First National Bank
12
3
Nedbank
2
4
Standard Bank
25
5
Nampost
6
6
Fides Bank Namibia
0
7
Old Mutual
3
8
Momentum/Swabou
2
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1809
Q118.2 Where bank products held - Transactional account?
8
1855
1
Bank of Windhoek
0
2
First National Bank
1
3
Nedbank
0
4
Standard Bank
2
5
Nampost
4
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
1
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1855
Q118.2 Where bank products held - Transactional account?
3
1860
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
1
12
GIPF
0
13
Others
0
Sysmiss
1860
Q118.2 Where bank products held - Transactional account?
1
1862
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
1
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1862
Q118.2 Where bank products held - Savings Account
1057
806
1
Bank of Windhoek
178
2
First National Bank
529
3
Nedbank
18
4
Standard Bank
180
5
Nampost
134
6
Fides Bank Namibia
0
7
Old Mutual
4
8
Momentum/Swabou
2
9
Mutual & Federal
0
10
Sanlam
1
11
Namlife
1
12
GIPF
10
13
Others
0
Sysmiss
806
Q118.2 Where bank products held - Savings Account
168
1695
1
Bank of Windhoek
2
2
First National Bank
25
3
Nedbank
6
4
Standard Bank
38
5
Nampost
71
6
Fides Bank Namibia
1
7
Old Mutual
11
8
Momentum/Swabou
8
9
Mutual & Federal
0
10
Sanlam
2
11
Namlife
0
12
GIPF
4
13
Others
0
Sysmiss
1695
Q118.2 Where bank products held - Savings Account
30
1833
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
7
5
Nampost
10
6
Fides Bank Namibia
0
7
Old Mutual
6
8
Momentum/Swabou
4
9
Mutual & Federal
0
10
Sanlam
1
11
Namlife
0
12
GIPF
2
13
Others
0
Sysmiss
1833
Q118.2 Where bank products held - Savings Account
4
1859
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
1
9
Mutual & Federal
0
10
Sanlam
1
11
Namlife
1
12
GIPF
1
13
Others
0
Sysmiss
1859
Q118.2 Where bank products held - Savings Account
1
1862
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
1
13
Others
0
Sysmiss
1862
Q118.2 Where bank products held - Fixed deposit account
160
1703
1
Bank of Windhoek
39
2
First National Bank
83
3
Nedbank
3
4
Standard Bank
22
5
Nampost
6
6
Fides Bank Namibia
0
7
Old Mutual
3
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
4
13
Others
0
Sysmiss
1703
Q118.2 Where bank products held - Fixed deposit account
18
1845
1
Bank of Windhoek
1
2
First National Bank
2
3
Nedbank
3
4
Standard Bank
7
5
Nampost
3
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
1
11
Namlife
1
12
GIPF
0
13
Others
0
Sysmiss
1845
Q118.2 Where bank products held - Fixed deposit account
1
1862
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1862
Q118.2 Where bank products held - Flexible fixed deposit
155
1708
1
Bank of Windhoek
31
2
First National Bank
80
3
Nedbank
4
4
Standard Bank
26
5
Nampost
8
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
5
13
Others
0
Sysmiss
1708
Q118.2 Where bank products held - Flexible fixed deposit
9
1854
1
Bank of Windhoek
0
2
First National Bank
2
3
Nedbank
2
4
Standard Bank
3
5
Nampost
2
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1854
Q118.2 Where bank products held - Flexible fixed deposit
1
1862
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1862
Q118.2 Where bank products held - Credit card
145
1718
1
Bank of Windhoek
19
2
First National Bank
71
3
Nedbank
2
4
Standard Bank
36
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
16
13
Others
0
Sysmiss
1718
Q118.2 Where bank products held - Credit card
8
1855
1
Bank of Windhoek
0
2
First National Bank
3
3
Nedbank
2
4
Standard Bank
3
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1855
Q118.2 Where bank products held - Credit card
1
1862
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1862
Q118.2 Where bank products held - Money market account
37
1826
1
Bank of Windhoek
3
2
First National Bank
13
3
Nedbank
0
4
Standard Bank
4
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
15
13
Others
0
Sysmiss
1826
Q118.2 Where bank products held - Money market account
3
1860
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
1
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1860
Q118.2 Where bank products held - Personal loan account
81
1782
1
Bank of Windhoek
14
2
First National Bank
36
3
Nedbank
2
4
Standard Bank
18
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
9
13
Others
0
Sysmiss
1782
Q118.2 Where bank products held - Personal loan account
3
1860
1
Bank of Windhoek
0
2
First National Bank
1
3
Nedbank
1
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
1
13
Others
0
Sysmiss
1860
Q118.2 Where bank products held - Foreign currency account
13
1850
1
Bank of Windhoek
1
2
First National Bank
6
3
Nedbank
0
4
Standard Bank
3
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
3
13
Others
0
Sysmiss
1850
Q118.2 Where bank products held - Bank account outside Namibia
35
1828
1
Bank of Windhoek
0
2
First National Bank
8
3
Nedbank
0
4
Standard Bank
5
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
1
11
Namlife
0
12
GIPF
21
13
Others
0
Sysmiss
1828
Q118.2 Where bank products held - Bank account outside Namibia
1
1862
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
1
13
Others
0
Sysmiss
1862
Q118.2 Where bank products held - Bank overdraft
109
1754
1
Bank of Windhoek
19
2
First National Bank
54
3
Nedbank
8
4
Standard Bank
23
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
5
13
Others
0
Sysmiss
1754
Q118.2 Where bank products held - Bank overdraft
1
1862
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1862
Q118.2 Where bank products held - Standing orders/debit orders
150
1713
1
Bank of Windhoek
24
2
First National Bank
73
3
Nedbank
9
4
Standard Bank
40
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
1
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
2
13
Others
0
Sysmiss
1713
Q118.2 Where bank products held - Standing orders/debit orders
7
1856
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
7
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1856
Q118.2 Where bank products held - Internet banking
232
1631
1
Bank of Windhoek
45
2
First National Bank
133
3
Nedbank
10
4
Standard Bank
42
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
2
13
Others
0
Sysmiss
1631
Q118.2 Where bank products held - Internet banking
17
1846
1
Bank of Windhoek
0
2
First National Bank
6
3
Nedbank
3
4
Standard Bank
8
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1846
Q118.2 Where bank products held - Internet banking
1
1862
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
1
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1862
Q118.2 Where bank products held - Cellphone banking
563
1300
1
Bank of Windhoek
92
2
First National Bank
382
3
Nedbank
8
4
Standard Bank
77
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
4
13
Others
0
Sysmiss
1300
Q118.2 Where bank products held - Cellphone banking
36
1827
1
Bank of Windhoek
0
2
First National Bank
14
3
Nedbank
2
4
Standard Bank
19
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1827
Q118.2 Where bank products held - Cellphone banking
2
1861
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
2
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1861
Q118.2 Where bank products held - Wallet account
607
1256
1
Bank of Windhoek
97
2
First National Bank
431
3
Nedbank
1
4
Standard Bank
73
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
1
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
3
13
Others
0
Sysmiss
1256
Q118.2 Where bank products held - Wallet account
40
1823
1
Bank of Windhoek
0
2
First National Bank
18
3
Nedbank
0
4
Standard Bank
21
5
Nampost
1
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1823
Q118.2 Where bank products held - Wallet account
3
1860
1
Bank of Windhoek
0
2
First National Bank
0
3
Nedbank
0
4
Standard Bank
3
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1860
Q118.2 Where bank products held - Foreign investment account
13
1850
1
Bank of Windhoek
5
2
First National Bank
3
3
Nedbank
0
4
Standard Bank
2
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
3
13
Others
0
Sysmiss
1850
Q118.2 Where bank products held - Foreign investment account
1
1862
1
Bank of Windhoek
0
2
First National Bank
1
3
Nedbank
0
4
Standard Bank
0
5
Nampost
0
6
Fides Bank Namibia
0
7
Old Mutual
0
8
Momentum/Swabou
0
9
Mutual & Federal
0
10
Sanlam
0
11
Namlife
0
12
GIPF
0
13
Others
0
Sysmiss
1862
Q116 Do you currently have a SmartCard in your name. It can also be a joint or g
1854
9
1
Yes
452
2
No
1402
Sysmiss
9
Q116 Do you currently have a bank account. It can also be a joint or group accou
Q119 Do you currently have a bank account or SmartCard in your name? It could also be a joint or group account on which your name appears.
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
1183
2
No
671
Sysmiss
9
Q120.1 Channel most comfortable using
Q120 If you have a bank account, which of the following banking channels are you comfortable using?
[READ OUT. MULTIPLE MENTION POSSIBLE.]
1184
679
1
Bank Branch
690
2
ATM
396
3
Cellphone banking
55
4
Internet banking
24
5
Writting a cheque
1
6
Wallet account
18
Sysmiss
679
Q120.1 Channel most comfortable using
465
1398
1
Bank branch
0
2
ATM
358
3
Cellphone banking
57
4
Internet banking
30
5
Writing a cheque
1
6
Wallet account
19
Sysmiss
1398
Q120.1 Channel most comfortable using
213
1650
1
Bank branch
0
2
ATM
0
3
Cellphone banking
157
4
Internet banking
20
5
Writing a cheque
2
6
Wallet account
34
Sysmiss
1650
Q120.1 Channel most comfortable using
107
1756
1
Bank branch
0
2
ATM
0
3
Cellphone banking
0
4
Internet banking
39
5
Writing a cheque
4
6
Wallet account
64
Sysmiss
1756
Q120.1 Channel most comfortable using
30
1833
1
Bank branch
0
2
ATM
0
3
Cellphone banking
0
4
Internet banking
0
5
Writing a cheque
7
6
Wallet account
23
Sysmiss
1833
Q120.1 Channel most comfortable using
6
1857
1
Bank branch
0
2
ATM
0
3
Cellphone banking
0
4
Internet banking
0
5
Writing a cheque
0
6
Wallet account
6
Sysmiss
1857
Q121 Channel used most often
121 If you have a bank account, which of the following banking channels are you using most often?
[READ OUT. SINGLE MENTION ONLY.]
1184
679
1
Bank branch
378
2
ATM
632
3
Cellphone banking
77
4
Internet banking
55
5
Writing a cheque
1
6
Wallet account
41
Sysmiss
679
Q122 Are you using someone else's bank account?
Q122 Are you using someone else's bank account?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
135
2
No
1719
Sysmiss
9
Q123_1 Whose accounts are you using?
Q123 [IF Q122 is YES, ASK:] Whose account(s) are you using?
[DO NOT READ OUT. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.]
135
1728
1
Spouse/partner’s account
35
2
Child’s account
13
3
Parent’s account
26
4
Account of another family member
41
5
Account of a neighbour or friend
14
6
Account of a savings club
0
7
Account of a community organisation or church
0
8
Other
6
Sysmiss
1728
Q123_2 Whose accounts are you using?
5
1858
1
Spouse/partner’s account
0
2
Child’s account
1
3
Parent’s account
0
4
Account of another family member
2
5
Account of a neighbour or friend
2
6
Account of a savings club
0
7
Account of a community organisation or church
0
8
Other
0
Sysmiss
1858
Q124_1 Reasons for not using bank accounts or services
Q124 [IF RESPONDENT DOES NOT HAVE A BANK ACCOUNT OR SMARTCARD ACCOUNT; CHECK Q115; ASK:] There are many reasons why people often do not have an own bank account or use bank services. Can you tell me why you do not use it?
[DO NOT READ. SPONTANEOUS MENTION. MULTIPLE MENTION POSSIBLE.
672
1191
1
Do not need it - Insufficient or no money coming into the account to justify it
152
2
Have no money to save
321
3
Cannot maintain the minimum balance
20
4
Bank service charges are too high
14
5
Banks are too far away
29
6
Banking hours are not convenient
0
7
Do not have the documentation required
42
8
Do not understand how banks work
15
9
Do not understand the language used in banks
0
10
Do not know how to apply
12
11
Do not understand benefits from having a bank account
3
12
Do not trust banks
2
13
Bank accounts are not for people like ‘me’
1
14
Fear refusals
1
15
Banks do not provide the products or services needed
1
16
Can get services needed elsewhere in the community
0
17
Need permission of someone else to open it
1
18
Other
42
19
Do not know
16
Sysmiss
1191
Q124_2 Reasons for not using bank accounts or services
227
1636
1
Do not need it - Insufficient or no money coming into the account to justify it
0
2
Have no money to save
74
3
Cannot maintain the minimum balance
48
4
Bank service charges are too high
14
5
Banks are too far away
24
6
Banking hours are not convenient
0
7
Do not have the documentation required
12
8
Do not understand how banks work
10
9
Do not understand the language used in banks
2
10
Do not know how to apply
11
11
Do not understand benefits from having a bank account
3
12
Do not trust banks
7
13
Bank accounts are not for people like ‘me’
4
14
Fear refusals
1
15
Banks do not provide the products or services needed
4
16
Can get services needed elsewhere in the community
0
17
Need permission of someone else to open it
5
18
Other
8
19
Do not know
0
Sysmiss
1636
Q124_3 Reasons for not using bank accounts or services
56
1807
1
Do not need it - Insufficient or no money coming into the account to justify it
0
2
Have no money to save
0
3
Cannot maintain the minimum balance
17
4
Bank service charges are too high
6
5
Banks are too far away
8
6
Banking hours are not convenient
1
7
Do not have the documentation required
5
8
Do not understand how banks work
4
9
Do not understand the language used in banks
0
10
Do not know how to apply
4
11
Do not understand benefits from having a bank account
2
12
Do not trust banks
0
13
Bank accounts are not for people like ‘me’
3
14
Fear refusals
2
15
Banks do not provide the products or services needed
0
16
Can get services needed elsewhere in the community
1
17
Need permission of someone else to open it
2
18
Other
1
19
Do not know
0
Sysmiss
1807
Q124_4 Reasons for not using bank accounts or services
21
1842
1
Do not need it - Insufficient or no money coming into the account to justify it
0
2
Have no money to save
0
3
Cannot maintain the minimum balance
0
4
Bank service charges are too high
8
5
Banks are too far away
3
6
Banking hours are not convenient
1
7
Do not have the documentation required
0
8
Do not understand how banks work
2
9
Do not understand the language used in banks
1
10
Do not know how to apply
1
11
Do not understand benefits from having a bank account
2
12
Do not trust banks
1
13
Bank accounts are not for people like ‘me’
1
14
Fear refusals
0
15
Banks do not provide the products or services needed
0
16
Can get services needed elsewhere in the community
1
17
Need permission of someone else to open it
0
18
Other
0
19
Do not know
0
Sysmiss
1842
Q125.1 Banking transaction frequency - Cash a cheque
Q125.1 [IF RESPONDENT HAS A BANK ACCOUNT OR SMARTCARD ACCOUNT; CHECK Q115; ASK:] Please tell me how often you do each of these activities?
[READ OUT STATEMENTS.SHOW CARD. SINGLE MENTION PER STATEMENT.]
1186
677
1
1-5 times per month
129
2
6-10 times per month
1
3
11-20 times per month
0
4
More than 20 times per month
1
5
Never / do not know
1055
Sysmiss
677
Q125.1 Banking transaction frequency - Deposit cash into a bank account
1186
677
1
1-5 times per month
791
2
6-10 times per month
7
3
11-20 times per month
2
4
More than 20 times per month
5
5
Never / do not know
381
Sysmiss
677
Q125.1 Banking transaction frequency - Deposit a cheque into bank account
1186
677
1
1-5 times per month
91
2
6-10 times per month
1
3
11-20 times per month
0
4
More than 20 times per month
1
5
Never / do not know
1093
Sysmiss
677
Q125.1 Banking transaction frequency - Cash withdrawal from a bank account
1186
677
1
1-5 times per month
964
2
6-10 times per month
67
3
11-20 times per month
15
4
More than 20 times per month
11
5
Never / do not know
129
Sysmiss
677
Q125.1 Banking transaction frequency - Paid people/bills through bank transfer
1186
677
1
1-5 times per month
196
2
6-10 times per month
13
3
11-20 times per month
3
4
More than 20 times per month
5
5
Never / do not know
969
Sysmiss
677
Q125.1 Banking transaction frequency - Money transfers between your own bank acc
1186
677
1
1-5 times per month
228
2
6-10 times per month
8
3
11-20 times per month
1
4
More than 20 times per month
1
5
Never / do not know
948
Sysmiss
677
Q125.1 Banking transaction frequency - Money transfer to another person’s bank a
1186
677
1
1-5 times per month
239
2
6-10 times per month
8
3
11-20 times per month
2
4
More than 20 times per month
3
5
Never / do not know
934
Sysmiss
677
Q125.1 Banking transaction frequency - Draw a bank cheque
1186
677
1
1-5 times per month
22
2
6-10 times per month
0
3
11-20 times per month
0
4
More than 20 times per month
0
5
Never / do not know
1164
Sysmiss
677
Q125.1 Banking transaction frequency - Get a bank statement
1186
677
1
1-5 times per month
571
2
6-10 times per month
6
3
11-20 times per month
1
4
More than 20 times per month
2
5
Never / do not know
606
Sysmiss
677
Q125.1 Banking transaction frequency - Internet banking transaction
1186
677
1
1-5 times per month
186
2
6-10 times per month
19
3
11-20 times per month
7
4
More than 20 times per month
7
5
Never / do not know
967
Sysmiss
677
Q125.1 Banking transaction frequency - Mobile banking transaction/Cell phone ban
1186
677
1
1-5 times per month
430
2
6-10 times per month
43
3
11-20 times per month
14
4
More than 20 times per month
5
5
Never / do not know
694
Sysmiss
677
Q125.1 Banking transaction frequency - Debit card payments
1186
677
1
1-5 times per month
190
2
6-10 times per month
18
3
11-20 times per month
15
4
More than 20 times per month
9
5
Never / do not know
954
Sysmiss
677
Q125.2 Transaction Methods: Cash a cheque
Q125.2 Also tell me whether you do this at a bank branch or Nampost branch, ATM and/or at a retail store such as pick 'n pay, Shoprite etc?
131
1732
1
BANK/ NAMPOST
111
2
ATM
13
3
Retail store
4
4
Online
3
Sysmiss
1732
Q125.2 Transaction Methods: Cash a cheque
7
1856
1
BANK/ NAMPOST
0
2
ATM
4
3
Retail store
3
4
Online
0
Sysmiss
1856
Q125.2 Transaction Methods: Cash a cheque
1
1862
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
1
4
Online
0
Sysmiss
1862
Q125.2 Transaction Methods: Deposit cash into a bank account
805
1058
1
BANK/ NAMPOST
756
2
ATM
36
3
Retail store
3
4
Online
10
Sysmiss
1058
Q125.2 Transaction Methods: Deposit cash into a bank account
61
1802
1
BANK/ NAMPOST
0
2
ATM
54
3
Retail store
2
4
Online
5
Sysmiss
1802
Q125.2 Transaction Methods: Deposit cash into a bank account
5
1858
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
1
4
Online
4
Sysmiss
1858
Q125.2 Transaction Methods: Deposit cash into a bank account
1
1862
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
0
4
Online
1
Sysmiss
1862
Q125.2 Transaction Methods: Deposit a cheque into bank account
93
1770
1
BANK/ NAMPOST
88
2
ATM
4
3
Retail store
0
4
Online
1
Sysmiss
1770
Q125.2 Transaction Methods: Deposit a cheque into bank account
1
1862
1
BANK/ NAMPOST
0
2
ATM
1
3
Retail store
0
4
Online
0
Sysmiss
1862
Q125.2 Transaction Methods: Cash withdrawal from a bank account
1057
806
1
BANK/ NAMPOST
509
2
ATM
544
3
Retail store
1
4
Online
3
Sysmiss
806
Q125.2 Transaction Methods: Cash withdrawal from a bank account
181
1682
1
BANK/ NAMPOST
0
2
ATM
172
3
Retail store
5
4
Online
4
Sysmiss
1682
Q125.2 Transaction Methods: Cash withdrawal from a bank account
6
1857
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
2
4
Online
4
Sysmiss
1857
Q125.2 Transaction Methods: Paid people/bills through bank transfer
217
1646
1
BANK/ NAMPOST
116
2
ATM
15
3
Retail store
7
4
Online
79
Sysmiss
1646
Q125.2 Transaction Methods: Paid people/bills through bank transfer
14
1849
1
BANK/ NAMPOST
0
2
ATM
7
3
Retail store
2
4
Online
5
Sysmiss
1849
Q125.2 Transaction Methods: Paid people/bills through bank transfer
1
1862
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
0
4
Online
1
Sysmiss
1862
Q125.2 Transaction Methods: Paid people/bills through bank transfer
0
1863
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
0
4
Online
0
Sysmiss
1863
Q125.2 Transaction Methods: Money transfers between your own bank accounts
238
1625
1
BANK/ NAMPOST
133
2
ATM
15
3
Retail store
0
4
Online
90
Sysmiss
1625
Q125.2 Transaction Methods: Money transfers between your own bank accounts
22
1841
1
BANK/ NAMPOST
0
2
ATM
13
3
Retail store
0
4
Online
9
Sysmiss
1841
Q125.2 Transaction Methods: Money transfers between your own bank accounts
1
1862
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
0
4
Online
1
Sysmiss
1862
Q125.2 Transaction Methods: Money transfers between your own bank accounts
0
1863
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
0
4
Online
0
Sysmiss
1863
Q125.2 Transaction Methods: Draw a bank cheque
1
1862
1
BANK/ NAMPOST
0
2
ATM
1
3
Retail store
0
4
Online
0
Sysmiss
1862
Q125.2 Transaction Methods: Internet banking transaction
1
1862
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
0
4
Online
1
Sysmiss
1862
Q126_1 Advantages to using a bank account
Q126 People have different opinions about bank accounts - what do you think are the advantages of using a bank account?
[DO NOT READ. MULTIPLE MENTION POSSIBLE.]
1854
9
1
There is no advantage to using a bank account
17
2
Salaries can be deposited
586
3
Easy way of receiving money from others
279
4
Safe way of receiving money from others
118
5
Easy way of sending money to others
39
6
Safe way of sending money to others
46
7
Money is safe from theft
560
8
Helps you to get access to loans
10
9
You get interest on savings
21
10
Other
45
11
Do not know
133
Sysmiss
9
Q126_5 Advantages to using a bank account
190
1673
1
There is no advantage to using a bank account
0
2
Salaries can be deposited
0
3
Easy way of receiving money from others
0
4
Safe way of receiving money from others
0
5
Easy way of sending money to others
0
6
Safe way of sending money to others
92
7
Money is safe from theft
65
8
Helps you to get access to loans
10
9
You get interest on savings
20
10
Other
3
11
Do not know
0
Sysmiss
1673
Q125.2 Transaction Methods: Money transfer to another person’s bank account
253
1610
1
BANK/ NAMPOST
151
2
ATM
14
3
Retail store
1
4
Online
87
Sysmiss
1610
Q125.2 Transaction Methods: Get a bank statement
580
1283
1
BANK/ NAMPOST
494
2
ATM
31
3
Retail store
0
4
Online
55
Sysmiss
1283
Q125.2 Transaction Methods: Mobile banking transaction/Cell phone banking
492
1371
1
BANK/ NAMPOST
137
2
ATM
55
3
Retail store
4
4
Online
296
Sysmiss
1371
Q126_3 Advantages to using a bank account
582
1281
1
There is no advantage to using a bank account
0
2
Salaries can be deposited
0
3
Easy way of receiving money from others
0
4
Safe way of receiving money from others
175
5
Easy way of sending money to others
107
6
Safe way of sending money to others
41
7
Money is safe from theft
194
8
Helps you to get access to loans
20
9
You get interest on savings
38
10
Other
7
11
Do not know
0
Sysmiss
1281
Q126_2 Advantages to using a bank account
1048
815
1
There is no advantage to using a bank account
0
2
Salaries can be deposited
0
3
Easy way of receiving money from others
272
4
Safe way of receiving money from others
182
5
Easy way of sending money to others
95
6
Safe way of sending money to others
75
7
Money is safe from theft
282
8
Helps you to get access to loans
21
9
You get interest on savings
85
10
Other
36
11
Do not know
0
Sysmiss
815
Q125.2 Transaction Methods: Internet banking transaction
11
1852
1
BANK/ NAMPOST
0
2
ATM
1
3
Retail store
0
4
Online
10
Sysmiss
1852
Q125.2 Transaction Methods: Draw a bank cheque
22
1841
1
BANK/ NAMPOST
19
2
ATM
2
3
Retail store
0
4
Online
1
Sysmiss
1841
Q125.2 Transaction Methods: Internet banking transaction
219
1644
1
BANK/ NAMPOST
47
2
ATM
6
3
Retail store
0
4
Online
166
Sysmiss
1644
Q125.2 Transaction Methods: Mobile banking transaction/Cell phone banking
24
1839
1
BANK/ NAMPOST
0
2
ATM
8
3
Retail store
0
4
Online
16
Sysmiss
1839
Q126_6 Advantages to using a bank account
94
1769
1
There is no advantage to using a bank account
0
2
Salaries can be deposited
0
3
Easy way of receiving money from others
0
4
Safe way of receiving money from others
0
5
Easy way of sending money to others
0
6
Safe way of sending money to others
0
7
Money is safe from theft
76
8
Helps you to get access to loans
7
9
You get interest on savings
9
10
Other
2
11
Do not know
0
Sysmiss
1769
Q126_8 Advantages to using a bank account - others specified
99
Access credit from bank, transfer buy electricity
1
1
Bank Loan
1
Bank Loans
1
Do not stand in long quese
1
Don't have to carry money around when you want to buy something.
1
Easy to access your stolen money.
1
Easy way to access money
1
Help me so save
1
Help to not waste money as it is not with you all the time.
1
Helps one to save their money
1
Hep me to save ma money
1
I trust them
1
It's safe,I cannot misuse it
1
It's sufficient
1
My money is safe there
1
No knowledge.
1
Records
1
Reduce you from spending more
1
Save money
1
Saves you from spending unnecessarily
1
Saving
1
Saving ut money
1
There are insurance
1
To keep it far from you so that you can not use it up easily
1
To make things easier in life
1
To save your money
1
Using cellphone banking to pay bills
1
Wallet Account
1
You Will not misuse it
1
You can buy electricity and buy goods with debit card
1
You cannot misuse it
1
You cannot misuse your money
1
You easily get credit
1
You must have it when you are having a business
1
You save more cos you don't always have access to the money
1
You will not misuse it
1
You will not spend the money compared to when you save at home.
1
ability to use online banking.
1
am limited from over spending the money
1
buying without cash
1
eWallet
1
easy to get funeral cover
1
easy to save
2
easy to save money
1
easy way of using money
1
easy way to save
2
for saving
3
for saving your money
1
for saving your money, even if you lose your money you will get it.
1
get help from bank
1
get her money anytime she wants
1
get money anytime
1
give insurance
1
1
gran pension money from the government can be deposited
1
1
it minimize us from over spending
1
it will avoid u to spent money often
1
its safe
1
1
keeping your money safe
1
limeted to over spending
1
money is safe
1
money is safe in the bank
1
money is safer in the bank
1
money management
1
money stays for so long
1
nothing
1
safe keeping
1
safe money
1
1
save money
2
save money in it
1
saves your money
1
1
1
saving money so you won't use it for othr things if you were having it at home.
1
so you cannot spend it on unnecessary things
1
to save my money
4
to save your money
1
to save your money for future
1
ways of saving money
1
you are covered for the unknown
1
you can buy airtime or electricity through the bank since we are far from town.
1
you can manage control your money easily
1
you can not over spend your money
1
you cannot waste time standing in Que,you do it any were with the bank
1
you don't spend your money than having it in your hand
1
you save money
1
you will not misuse your money
1
Q125.2 Transaction Methods: Mobile banking transaction/Cell phone banking
1
1862
1
BANK/ NAMPOST
0
2
ATM
0
3
Retail store
0
4
Online
1
Sysmiss
1862
Q126_4 Advantages to using a bank account
295
1568
1
There is no advantage to using a bank account
0
2
Salaries can be deposited
0
3
Easy way of receiving money from others
0
4
Safe way of receiving money from others
0
5
Easy way of sending money to others
112
6
Safe way of sending money to others
70
7
Money is safe from theft
78
8
Helps you to get access to loans
13
9
You get interest on savings
18
10
Other
4
11
Do not know
0
Sysmiss
1568
Q125.2 Transaction Methods: Money transfer to another person’s bank account
27
1836
1
BANK/ NAMPOST
0
2
ATM
13
3
Retail store
0
4
Online
14
Sysmiss
1836
Q125.2 Transaction Methods: Get a bank statement
36
1827
1
BANK/ NAMPOST
0
2
ATM
19
3
Retail store
1
4
Online
16
Sysmiss
1827
Q126_7 Advantages to using a bank account
22
1841
1
There is no advantage to using a bank account
0
2
Salaries can be deposited
0
3
Easy way of receiving money from others
0
4
Safe way of receiving money from others
0
5
Easy way of sending money to others
0
6
Safe way of sending money to others
0
7
Money is safe from theft
0
8
Helps you to get access to loans
13
9
You get interest on savings
7
10
Other
2
11
Do not know
0
Sysmiss
1841
Q127 During the last six (6) months, have you used the services of a microfinance institution, like a microlender ?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
44
2
No
1810
Sysmiss
9
Q128 Do you belong to a savings club, group?
Q128 Do you belong to a savings club, group?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
41
2
No
1813
Sysmiss
9
Q129a Services provided by these clubs: Lend money out to members when they need
Q129 Please tell me which of the following services these clubs provide.
[READ OUT LIST OF SERVICES.]
41
1822
1
Yes
25
2
No
14
3
Do not know
2
Sysmiss
1822
Q129b Services provided by these clubs: Lend out money to non-members when they
41
1822
1
Yes
3
2
No
37
3
Do not know
1
Sysmiss
1822
Q129c Services provided by these clubs: Give collected money to one member every
41
1822
1
Yes
20
2
No
20
3
Do not know
1
Sysmiss
1822
Q131 Are you a member of any financial group or organisation?
[DO NOT READ OUT. SINGLE MENTION ONLY.]
1854
9
1
Yes
14
2
No
1840
Sysmiss
9
Q132.1_1 Do you belong to any of these groups
MULTIPLE ANSWERS POSSIBLE
14
1849
1
Business organisation
2
2
Farmers association
0
3
Market/traders association
0
4
Cooperative
1
5
Outgrower scheme
0
6
Church/religious groups
5
7
Women's group
1
8
Professional body
0
9
Other
5
Sysmiss
1849
Q132.1_1 Do you belong to any of these groups (others specified)
SEE CODELIST 14
10
0
7
1
Business organization
1
Church /religious group
1
Cooperative
1
Farmers association
1
Market/traders association
1
Other (please specify):
1
Out grower scheme
1
Professional body
1
Women’s group
1
Q132.2_1_1 Reasons for membership
2
1861
1
It is compulsory
0
2
To get advice
0
3
To exchange ideas
0
4
To socialise or meet friends
0
5
We have the same interests
0
6
They provide financial services
2
7
Can go to them for financial help
0
8
Other
0
Sysmiss
1861
Q132.2_1_2 Reasons for membership
1
1862
1
It is compulsory
0
2
To get advice
0
3
To exchange ideas
0
4
To socialise or meet friends
0
5
We have the same interests
0
6
They provide financial services
0
7
Can go to them for financial help
1
8
Other
0
Sysmiss
1862
Q132.2_1_3 Reasons for membership
5
1858
1
It is compulsory
1
2
To get advice
2
3
To exchange ideas
0
4
To socialise or meet friends
0
5
We have the same interests
0
6
They provide financial services
0
7
Can go to them for financial help
0
8
Other
2
Sysmiss
1858
Q132.2_1_4 Reasons for membership
2
1861
1
It is compulsory
0
2
To get advice
1
3
To exchange ideas
1
4
To socialise or meet friends
0
5
We have the same interests
0
6
They provide financial services
0
7
Can go to them for financial help
0
8
Other
0
Sysmiss
1861
Q132.2_1_5 Reasons for membership
2
1861
1
It is compulsory
0
2
To get advice
2
3
To exchange ideas
0
4
To socialise or meet friends
0
5
We have the same interests
0
6
They provide financial services
0
7
Can go to them for financial help
0
8
Other
0
Sysmiss
1861
Q132.2_1_6 Reasons for membership
1
1862
1
It is compulsory
1
2
To get advice
0
3
To exchange ideas
0
4
To socialise or meet friends
0
5
We have the same interests
0
6
They provide financial services
0
7
Can go to them for financial help
0
8
Other
0
Sysmiss
1862
Q132.3_1 Do opinions of group leaders or members influence your financial decisi
5
1858
1
Yes
3
2
No
2
Sysmiss
1858
Q132.3_2 Do opinions of group leaders or members influence your financial decisi
2
1861
1
Yes
2
2
No
0
Sysmiss
1861
Q132.3_3 Do opinions of group leaders or members influence your financial decisi
5
1858
1
Yes
1
2
No
4
Sysmiss
1858
Q133a Agree/Disagree: I would like to leave an inheritance for my children
Q133 Please tell me how much you agree or disagree with the following statements:
[READ OUT. SINGLE MENTION PER STATEMENT ONLY.]
1854
9
1
Strongly agree
661
2
Agree
952
3
Neither agree nor disagree
149
4
Disagree
67
5
Strongly disagree
25
Sysmiss
9
Q133b Agree/Disagree: You have many dreams and ambitions you are working towards
1854
9
1
Strongly agree
513
2
Agree
1003
3
Neither agree nor disagree
218
4
Disagree
99
5
Strongly disagree
21
Sysmiss
9
Q133c Agree/Disagree: You have people in the community that you can turn to for
1854
9
1
Strongly agree
345
2
Agree
947
3
Neither agree nor disagree
179
4
Disagree
311
5
Strongly disagree
72
Sysmiss
9
Q133d Agree/Disagree: You would rather turn to strangers than people in the comm
1854
9
1
Strongly agree
76
2
Agree
171
3
Neither agree nor disagree
225
4
Disagree
927
5
Strongly disagree
455
Sysmiss
9
Q134a Comparison of current situation to previous year: The employment situation
Q134 For each of the statements I read, can you please tell me if you are currently worse off, the same as, or better off than you were last year.
[READ OUT. SINGLE MENTION PER STATEMENT.]
1854
9
1
Worse off
430
2
The same
881
3
Better off
543
4
N/A
0
Sysmiss
9
Q134b Comparison of current situation to previous year: The income situation of
1854
9
1
Worse off
484
2
The same
850
3
Better off
520
4
N/A
0
Sysmiss
9
Q134c Comparison of current situation to previous year: The amount of money my h
1854
9
1
Worse off
460
2
The same
804
3
Better off
590
4
N/A
0
Sysmiss
9
Q134d Comparison of current situation to previous year: My household's ability t
1854
9
1
Worse off
528
2
The same
751
3
Better off
575
4
N/A
0
Sysmiss
9
Q134e Comparison of current situation to previous year: My household's ability t
1854
9
1
Worse off
476
2
The same
873
3
Better off
505
4
N/A
0
Sysmiss
9
Q134f Comparison of current situation to previous year: Money that could be acce
1854
9
1
Worse off
473
2
The same
969
3
Better off
412
4
N/A
0
Sysmiss
9
Q134g Comparison of current situation to previous year: Ability to access money
1854
9
1
Worse off
482
2
The same
778
3
Better off
594
4
N/A
0
Sysmiss
9
Q135a Agree/Disagree: You frequently have problems making ends meet
Q135 Please tell me how much you agree or disagree with the following statements:
[READ OUT. SINGLE MENTION PER STATEMENT ONLY.]
1854
9
1
Strongly agree
274
2
Agree
725
3
Neither agree nor disagree
323
4
Disagree
434
5
Strongly disagree
98
Sysmiss
9
Q135b Agree/Disagree: You often have to spend more money than what you have avai
1854
9
1
Strongly agree
131
2
Agree
484
3
Neither agree nor disagree
252
4
Disagree
796
5
Strongly disagree
191
Sysmiss
9
Q135c Agree/Disagree: You have considered going to see someone to help you with
1854
9
1
Strongly agree
52
2
Agree
219
3
Neither agree nor disagree
287
4
Disagree
904
5
Strongly disagree
392
Sysmiss
9
Q135d Agree/Disagree: You have gone to see someone to help you with your debt pr
1854
9
1
Strongly agree
38
2
Agree
186
3
Neither agree nor disagree
261
4
Disagree
937
5
Strongly disagree
432
Sysmiss
9
Q135e Agree/Disagree: You have considered cancelling policies to cover debts
1854
9
1
Strongly agree
35
2
Agree
80
3
Neither agree nor disagree
368
4
Disagree
858
5
Strongly disagree
513
Sysmiss
9
Q135f Agree/Disagree: You save money regularly
1854
9
1
Strongly agree
228
2
Agree
716
3
Neither agree nor disagree
231
4
Disagree
502
5
Strongly disagree
177
Sysmiss
9
Q136a Tap water in your house or on your property?
136.1 Do you have in your household...[Tap water in your house or on your property]?
[READ OUT, MULTIPLE OPTIONS]
1852
11
1
Yes
951
2
No
901
Sysmiss
11
Q136b Hot running water from a geyser
136.1 Do you have in your household..Hot running water from a geyser?
1852
11
1
Yes
259
2
No
1593
Sysmiss
11
Q136c Flush toilet inside or outside
136.1 Do you have in your household..Flush toilet inside or outside?
1852
11
1
Yes
646
2
No
1206
Sysmiss
11
Q136d Built-in kitchen sink
136.1 Do you have in your household Built-in kitchen sink?
1852
11
1
Yes
372
2
No
1480
Sysmiss
11
Q136e Ordinary landline telephone
136.1 Do you have in your household ordinary landline telephone?
1852
11
1
Yes
51
2
No
1801
Sysmiss
11
Q136f One cell phone
1852
11
1
Yes
853
2
No
999
Sysmiss
11
1852
11
1
Yes
835
2
No
1017
Sysmiss
11
Q136h More than one radio (excluding a car radio
136.1 Do you have in your household More than one radio (excluding a car radio)?
1852
11
1
Yes
545
2
No
1307
Sysmiss
11
Q136i HI-fi/music centre
136.1 Do you have in your household..HI-fi/music centre?
1852
11
1
Yes
274
2
No
1578
Sysmiss
11
Q136k TV set
136.1 Do you have in your household..TV set?
1852
11
1
Yes
712
2
No
1140
Sysmiss
11
Q136l M-Net/DSTV Subscription
136.1 Do you have in your household M-Net/DSTV Subscription?
1852
11
1
Yes
462
2
No
1390
Sysmiss
11
Q136m Video Cassette Recorder (VCR
136.1 Do you have in your household Video Cassette Recorder (VCR?
1852
11
1
Yes
78
2
No
1774
Sysmiss
11
Q136n DVD player
1852
11
1
Yes
387
2
No
1465
Sysmiss
11
Q136o Fridge (including combined fridge/freezer
136.1 Do you have in your household Fridge including combined fridge/freezer?
1852
11
1
Yes
705
2
No
1147
Sysmiss
11
Q136p including combined fridge/freezer
136.1 Do you have in your household including combined fridge/freezer?
1852
11
1
Yes
357
2
No
1495
Sysmiss
11
Q136q Microwave oven
136.1 Do you have in your household Microwave oven?
1852
11
1
Yes
460
2
No
1392
Sysmiss
11
Q136r Microwave oven
136.1 Do you have in your household Microwave oven?
1852
11
1
Yes
105
2
No
1747
Sysmiss
11
Q136sMicrowave oven
136.1 Do you have in your household..Microwave oven
1852
11
1
Yes
328
2
No
1524
Sysmiss
11
Q136t Washing machine
136.1 Do you have in your household..Washing machine?
1852
11
1
Yes
298
2
No
1554
Sysmiss
11
Q136u Tuble dryer
136.1 Do you have in your household..Tuble dryer?
1852
11
1
Yes
88
2
No
1764
Sysmiss
11
Q136v Dishwashing machine
136.1 Do you have in your household..Dishwashing machine?
1852
11
1
Yes
45
2
No
1807
Sysmiss
11
Q136x Electric stove
136.1 Do you have in your household.. Electric stove?
1852
11
1
Yes
619
2
No
1233
Sysmiss
11
Q136y Sewing machine
136.1 Do you have in your household..Sewing machine?
1852
11
1
Yes
121
2
No
1731
Sysmiss
11
Q136z Motor car
136.1 Do you have in your household..Motor car?
1852
11
1
Yes
416
2
No
1436
Sysmiss
11
Q136aa Domestic worker
136.1 Do you have in your household..Domestic worker?
1852
11
1
Yes
177
2
No
1675
Sysmiss
11
Q136bb Domestic worker
136.1 Do you have in your household..Domestic worker?
1852
11
1
Yes
77
2
No
1775
Sysmiss
11
Q136cc Internet connection
136.1 Do you have in your household..Internet connection?
1852
11
1
Yes
148
2
No
1704
Sysmiss
11
Q114.1_1 Sent money in the past 6 months to - Spouse partner
60
1803
1
Yes
60
Sysmiss
1803
Q114.1_2 Sent money in the past 6 months to - Child
203
1660
1
Yes
203
Sysmiss
1660
Q114.1_3 Sent money in the past 6 months to - Parent
159
1704
1
Yes
159
Sysmiss
1704
Q114.1_4 Sent money in the past 6 months to - Other family member
285
1578
1
Yes
285
Sysmiss
1578
Q114.1_5 Sent money in the past 6 months to - Friend
49
1814
1
Yes
49
Sysmiss
1814
Q114.1_6 Sent money in the past 6 months to - Supplier
5
1858
1
Yes
5
Sysmiss
1858
Q114.1_7 Sent money in the past 6 months to - Someone you borrowed from
4
1859
1
Yes
4
Sysmiss
1859
Q114.1_8 Sent money in the past 6 months to - School, college or university
3
1860
1
Yes
3
Sysmiss
1860
Q114.1_9 Sent money in the past 6 months to - A business
4
1859
1
Yes
4
Sysmiss
1859
Q114.1_10 Sent money in the past 6 months to - Other
26
1837
1
Yes
26
Sysmiss
1837
Q116.1_2 Received money in the past 6 months to - Child
85
1778
1
Yes
85
Sysmiss
1778
Q116.1_3 Received money in the past 6 months to - Parent
81
1782
1
Yes
81
Sysmiss
1782
Q116.1_4 Received money in the past 6 months to - Other family member
276
1587
1
Yes
276
Sysmiss
1587
Q116.1_5 Received money in the past 6 months to - Friend
73
1790
1
Yes
73
Sysmiss
1790
Q116.1_6 Received money in the past 6 months to - Supplier
5
1858
1
Yes
5
Sysmiss
1858
Q116.1_7 Received money in the past 6 months to - School, college or university
0
1863
1
Yes
0
Sysmiss
1863
Q116.1_8 Received money in the past 6 months to - A business
4
1859
1
Yes
4
Sysmiss
1859
Q116.1_9 Received money in the past 6 months to - Other
31
1832
1
Yes
31
Sysmiss
1832
Q116.1_1 Received money in the past 6 months to - Spouse partner
74
1789
1
Yes
74
Sysmiss
1789
Banked population
1305
558
1
Yes
1305
Sysmiss
558
Other Formal (non-bank products)
1007
856
2
Yes
1007
Sysmiss
856
Informal mechanism
462
1401
3
Yes
462
Sysmiss
1401
Access Strand
1863
0
1
Banked
1305
2
Other formal (non-bank)
88
3
Informal
95
99
Excluded
375
Savings - Strand
1863
0
1
Bank
1099
2
Other formal (non-bank)
63
3
Informal
58
4
Saving at home
321
99
Not saving
322
Credit products from a bank
207
1656
1
Yes
207
Sysmiss
1656
Credit strand
1863
0
1
Bank
207
2
Formal (non-bank)
96
3
Informal
127
4
Borrow from friends/family
327
99
Do not borrow
1106
Insurance Strand
1863
0
2
Formal insuarance
557
3
Informal only
3
99
Have no form of insurance
1303
Remitting by bank products
719
1144
1
Yes
719
Sysmiss
1144
Saving at Bank
1099
764
1
Yes
1099
Sysmiss
764
Credit - other formal (non bank)
158
1705
2
Yes
158
Sysmiss
1705
Insurance Formal
557
1306
2
Yes
557
Sysmiss
1306
Remitting - non bank formal products
167
1696
2
Yes
167
Sysmiss
1696
Saving through other formal (non-bank)
516
1347
2
Yes
516
Sysmiss
1347
Credit - informal mechanism
169
1694
3
Yes
169
Sysmiss
1694
Insurance Informal (burial society)
14
1849
3
Yes
14
Sysmiss
1849
Remitting - informal mechanism
136
1727
3
Yes
136
Sysmiss
1727
Saving through informal mechanism
221
1642
3
Yes
221
Sysmiss
1642
Borrow from family and friends
458
1405
4
Yes
458
Sysmiss
1405
Remitting - Relative/friends
86
1777
4
Yes
86
Sysmiss
1777
Saving at home
727
1136
4
Yes
727
Sysmiss
1136
Remittance strand
1863
0
1
Bank
719
2
Formal Non-Bank
117
3
Informal mechanism
93
4
Relative/friend
55
99
Do not remit
879
1863
0
52.784
847.28
308.069
113.462
IND weight_new
1863
0
62.672
5457.958
782.565
619.898
0
1863
Sysmiss
1863
0
1863
1
a) Increase in household size; more dependents relying on household income
0
2
b) Loss of income from income earner
0
3
c) Illness within your household or family that required medical expenses
0
4
d) Having to pay unforeseen school/education fees
0
5
e) Loss of your home
0
6
Loss of your savings
0
7
Damage to your home/loss of valuable assets
0
8
h) Harvest failure or losses of crop harvest
0
9
Death or illness of livestock
0
10
Low selling prices of products you sell
0
11
k) Rise in living costs such as rent, electricity, fuel, food, transport costs
0
12
l) Rise in interest rates (thinking of money you borrowed)
0
13
m) Other natural disasters (flood, e.g.) which affected my source of income
0