DDI_ETH_2018-2021_WEDP-IE_v01_M_WB
Development Data Group
2023-02-03
NADA
Version 01 (2023-02-03)
Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Baseline and Endline Surveys 2021
Randomized Controlled Trial Impact Evaluation
WEDP ETH 2021
ETH_2018-2021_WEDP-IE_v01_M
Salman Alibhai
Rachel Cassidy
Markus Goldstein
Sreelakshmi Papineni
NADA
World Bank
Enterprise Survey [en/oth]
This data was collected for a randomized controlled trial evaluating the impact of offering a large, individual-liability, uncollateralized microfinance loan to female business owners in Ethiopia, using psychometric credit scoring technology as a substitute for fixed-asset collateral requirements. This study partnered with the Ethiopian MFI Wasasa to trial a psychometric loan appraisal technology that predicts repayment likelihood. A total of 357 women completed the psychometric test and baseline survey between April 2018-March 2020 and 324 (of the 357) women completed the endline survey in September 2021.
Ethiopia
The study sample is comprised of individuals who at the time of the baseline survey lived or worked in the cities of Adama (92%) or Asela (8%) in Ethiopia.
Computer Assisted Personal Interview [capi]
ethiopia_psychometrics_baseline
Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Baseline Survey Data 2018-2020
369
110
ethiopia_psychometrics_endline
Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Endline Survey Data 2021
324
598
Unique ID for the respondent
nan
369
271954255830
918334004022
Branch name
Please select your branch:
369
Loan amount requested
Please enter the loan amount the applicant is seeking
357
12
100000
250000
Monthly average business turnover
Please enter the applicant’s monthly business turnover over the last year. If the business is less than 1 year, use the average turnover (sales) over the life span of the business (ex. Ten thousand )
354
15
214
160000
Respondent age
What is your age?
350
19
20
60
Respondent gender
What is your gender?
369
Respondent's marital status
What is your marital status?
357
12
1
6
1
Divorced
2
Living with partner
3
Married
4
Separated
5
Single
6
Widowed
Sysmiss
Highest level of education completed
What is your highest level of education completed?
357
12
1
5
1
Bachelor (university degree)
2
Diploma (technical degree/vocational/trade school degree, not a university degree)
3
Elementary
4
High School
5
Master/Doctorate
Sysmiss
How long respondent has lived in their current residence
How long have you lived at your current residential address?
354
15
1
23
How long respondent has had primary phone number
How long have you had your primary phone number?
354
15
2
23
How long respondent has banked with Wasasa
How long have you banked with {0}?
354
15
23
Have bank accounts with other institutions
Do you currently have accounts or loans with other banks or credit institutions?
369
1
No
1
Yes
How long respondent has had a bank account with other institutions
How long have you had an account or loan with a bank or financial institution other than {0}?
354
15
23
Number of years business has been in operation
How many years has your business been in operation for?
357
12
28
Businesses owned in life
How many businesses have you owned in your life?
354
15
1
7
Average profits earned monthly
In an average month, what is the total income your business earned after paying all expenses including the wages of employees, but not including any income you paid yourself (in other words, what were your profits)?
357
12
2
200000
Value of business assets
How much would you estimate is the value of your businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)?
357
12
500000
Consent
Welcome! Welcome! We are studying the views of women entrepreneurs in Ethiopia. Your responses and suggestions are anonymous and confidential. We add everyone’s answers together for our research to help improve services. Would it be possible to ask you some questions about your household and your enterprise?
340
29
1
1
1
Yes
Sysmiss
City respondent lives in
What city do you live in?
369
Name of enterprise
What is the name of your enterprise that you are seeking a loan for?
369
Address of enterprise: subcity
Address of Enterprise What is the address of your enterprise? Subcity:
369
Address of enterprise: subcity in Adama
Address of Enterprise What is the address of your enterprise? Subcity:
369
Address of enterprise: Woreda
What is the address of your enterprise? Woreda:
369
Address of enterprise: Kebele
What is the address of your enterprise? Kebelle:
369
Common area name of where business is situated
What is the common name of the area where your business is situated?
369
Directions of enterprise
Please give directions to find your enterprise:
369
Which WEDP services have you received
Which WEDP services have you received?
339
30
1
4
1
Received WEDP Loan
2
Received WEDP Training
3
Received WEDP Loan and Training
4
Received neither WEDP Loan nor training
Sysmiss
Respondent's place of birth
What is your place of birth?
339
30
1
8
1
Addis Ababa
2
Adama
3
Bahir Dar
5
Mekelle
7
Other place in Ethiopia
8
Another country
Sysmiss
Can you read and write in any language
Do you know how to write and read a message in any language?
339
30
1
No
1
Yes
Sysmiss
How many people live in your household
How many people live in your household? Include yourself and all members of your household, small children and older adults. A household member is a person who eats and sleeps in your house for at least 4 days a week for at least 6 months in a year.
339
30
12
How many people work in your household
How many people in your household work?
339
30
1
6
How many females in your household work
How many females in your household work?
339
30
4
Total income for the household last month
What is the total income for the household in the last month? Enter in Ethiopian Birr.
339
30
1
2033000
Total income from female workers in household last month
What are the total earnings of all the female workers in the household in the last month? Enter in Ethiopian Birr.
339
30
640000
Who is the head of the household
Who is the head of the household?
339
30
1
5
1
Me
2
Partner/Spouse
3
Me and my partner /Spouse
4
Mother or Father
5
Other relative
Sysmiss
What is your position in the household
What is your own position in the household?
339
30
1
5
1
Household Head
2
Spouse of Household Head
3
Daughter/Son Household Head
4
Mother/Father of Household Head
5
Other Relative
Sysmiss
Do you have children
Do you have children?
339
30
1
No
1
Yes
Sysmiss
How many daughters do you have
How many daughters do you have?
259
110
6
Who looks after children when you are at work and they are not in school
Who looks after your children when you are working and they are not in school?
261
108
1
9
1
They look after themselves
2
Elder siblings look after younger siblings.
3
My spouse looks after them.
4
A relative or friend looks after them.
6
The baby-sitter or live-in servant looks after them
7
Put the baby in day care
8
They stay with me in the business
9
Other
Sysmiss
Ethnicity
What is your ethnicity?
369
Religion
What is your religion?
339
30
1
5
1
Orthodox
2
Protestant
3
Catholic
4
Muslim
5
Other
Sysmiss
Does household own any asset - 1st pick
Does your household have any of the following? Please check all that apply
339
30
1
7
1
Electricity
2
Mobile Phone
3
Refrigerator
7
House
Sysmiss
Does household own any asset - 2nd pick
Does your household have any of the following? Please check all that apply
325
44
1
4
1
Electricity
2
Mobile Phone
3
Refrigerator
4
Mattress
Sysmiss
Does household own any asset - 3rd pick
Does your household have any of the following? Please check all that apply
321
48
1
6
1
Electricity
2
Mobile Phone
3
Refrigerator
4
Mattress
6
Flush Toilet
Sysmiss
Does household own any asset - 4th pick
Does your household have any of the following? Please check all that apply
303
66
1
7
1
Electricity
2
Mobile Phone
3
Refrigerator
4
Mattress
5
Car
6
Flush Toilet
7
House
Sysmiss
Does household own any asset - 5th pick
Does your household have any of the following? Please check all that apply
220
149
5
7
5
Car
6
Flush Toilet
7
House
Sysmiss
Does household own any asset - 6th pick
Does your household have any of the following? Please check all that apply
106
263
1
7
1
Electricity
3
Refrigerator
5
Car
6
Flush Toilet
7
House
Sysmiss
Does household own any asset - 7th pick
Does your household have any of the following? Please check all that apply
29
340
6
7
6
Flush Toilet
7
House
Sysmiss
Industry main business operates in
In which industry does your main business operate?
339
30
1
6
1
Manufacturing
2
Construction
3
Trade
4
Services
5
Agriculture
6
Other
Sysmiss
Secondary line of operation
What is your secondary line/sector of operation?
339
30
1
35
1
Textile and garment manufacturing
2
Leather manufacturing
3
Intermediate food/bev. manu
4
Metal works and engineering
5
Wood works
6
Building materials manufacturing
8
Contracting for construction
9
Wholesale
10
Retail
11
Small transport services
12
Café and restaurants
14
Tourism services
16
Business services
17
Staffing/outsourcing services
19
Municipal services
20
Automobile maintenance
23
Beauty salon
25
Interior design/decorating services
26
Communications services
27
Cleaning services (non-laundry)
28
Laundry services
29
Modern livestock rearing
31
Poultry
35
Other
Sysmiss
Business owned by you or together with someone else
Is this business owned by you or together with somebody else?
339
30
1
4
1
Single Owner – Self
2
Joint ownership with husband
3
Joint Ownership with other family member
4
Joint Ownership with friend
Sysmiss
Where did starting capital come from
When this business first started, where did most of the start-up capital for this business come from?
339
30
1
16
1
Own savings
2
Spouse’s savings
3
Equb or other ROSACA type savings
4
Family inheritance
5
Remittance
6
Gift from friends or relatives
9
Loan from parents
10
Loan from siblings
12
Loan from other businesses
14
Loan from micro finance institutions
16
Other
Sysmiss
How much was the starting capital
How much was the starting capital for the business (includes equipment and machinery used to start the business).? (in Birr)
339
30
300
500000
Primary reason for starting business
What was the primary reason that you started or joined this business?
339
30
1
17
1
Household needed additional money
2
Wanted to make more money
3
Did not have a better wage alternative
4
Lost previous job
5
Wanted to continue family business
6
Previous experience as a worker in sector
7
Previous experience as an apprentice in sector
8
I took a related training course
9
Received subsidy to set up business
10
Low capital requirements
11
Allows me to balance family and work life
12
Saw a market opportunity
13
Wanted to be my own boss/have own business
15
Wanted to benefit from my hobby
17
Other
Sysmiss
Do you keep financial records or accounts for this business
Do you keep financial records or accounts for this business?
338
31
1
No
1
Yes
Sysmiss
Business's total sales in the last 30 days
What were the business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).
338
31
1000
1000000
Do sales show a seasonal pattern
Do sales show a seasonal pattern?
338
31
1
6
1
Highest during main rainy season (Kiremt)
2
Highest after main rainy season
3
Lowest during the main rainy season (Kiremt)
4
Highest before main rainy season
5
Lowest after main rainy season
6
No pattern
Sysmiss
Amount spent on salaries in the last 30 working days
What were the approximate amounts spent on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0"
338
31
4000000
Amount spent on transport allowances in the last 30 working days
What were the approximate amounts spent on Transport Allowances for Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0"
338
31
4000000
Made people aware of business through any advertisement methods: 1st pick
Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply.
338
31
1
6
1
Newspaper/Magazine/Billboards
2
Business cards/Flyers/Brochures
3
Loud speakers on the street/Radio announcement
4
Brokers
5
None
6
Other (Specify)
Sysmiss
Made people aware of business through any advertisement methods: 1st other, spec
Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply.
2
367
6
6
6
Other (Specify)
Sysmiss
Made people aware of business through any advertisement methods: 2nd pick
Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply.
30
339
2
6
2
Business cards/Flyers/Brochures
3
Loud speakers on the street/Radio announcement
4
Brokers
5
None
6
Other (Specify)
Sysmiss
Made people aware of business through any advertisement methods: 2nd other, spec
Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply.
2
367
6
6
6
Other (Specify)
Sysmiss
Made people aware of business through any advertisement methods: 3rd pick
Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply.
3
366
4
4
4
Brokers
Sysmiss
Who is responsible for production activities
Who is usually responsible for production activities or for providing services?
338
31
1
8
1
Self
2
Employee
3
Friend
4
Spouse/partner
8
Other (please specify)
Sysmiss
Who is responsible for production activities - specify
Who is usually responsible for production activities or for providing services?
1
368
8
8
Belong to any business association
Do you belong to any business association?
338
31
1
No
1
Yes
Sysmiss
Name of business associated
What is the name of the business association you belong to?
369
How many employees does this business have
How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0".
338
31
22
Do you have written contracts for your employees
Do you have written contracts for your employees? (Any of them.)
217
152
1
No
1
Yes
Sysmiss
How many employees has this business HIRED in the past 12 months
How many employees has this business HIRED in the past 12 months?
217
152
22
How many employees have LEFT in the past 12 months
How many employees have LEFT this business in the past 12 months?
217
152
12
What is the main reason employees left
What was the most important reason for worker departure in the past 12 months?
62
307
1
7
1
Dismissal/poor performance
2
Worker found another job
3
Business could not afford
4
Worker sickness
6
Work is seasonal
7
Other (please specify)
Sysmiss
What is the main reason employees left - specify
What was the most important reason for worker departure in the past 12 months?
27
342
7
7
How many employees are from another owner's family
How many of your employees are from another owners' family?
217
152
10
How many employees are unpaid
How many of your employees are unpaid?
217
152
6
How many employees are part-time workers
How many of your employees are part-time workers?
217
152
8
How many hours a day do employees work
How many hours in a day do your employees typically work on average?
217
152
17
How many days a week do employees work
How many days in the week do your employees typically work on average?
217
152
84
How many loans did you apply for in the last year
How many loans did you apply for your business in the last year for your business?
338
31
50
How many loans did you receive in the last year
How many loans did you receive for your business in the last year for your business?
338
31
11
Have you borrowed for your business from these in the past 12 months - 1st pick
Have you borrowed for your business in the past 12 months from the following sources?
338
31
1
6
1
Spouse
2
Other family member
3
Another business
4
MFI
5
Bank
6
Any other sources
Sysmiss
Have you borrowed for your business from these in the past 12 months - 2nd pick
Have you borrowed for your business in the past 12 months from the following sources?
1
368
6
6
6
Any other sources
Sysmiss
Of all money ever borrowed for the business, how much is still owed
Of all the money you borrowed for your business in the past (ever), how much do you still owe (in Birr)?
338
31
40000
How many people/institutions are still owed
How many people/institutions do you owe money for your business at the moment?
338
31
1
Primary use of the most recent loan - 1st pick
What is/was the primary use or intended use of the most recent loan?
338
31
1
12
1
Construction
2
Rent
3
Purchase of inputs/raw materials
4
License or permit fees
5
Purchase of marketing materials or services
7
Purchase of equipment
12
Have not taken any loan recently
Sysmiss
Primary use of the most recent loan - 2nd pick
What is/was the primary use or intended use of the most recent loan?
2
367
3
12
3
Purchase of inputs/raw materials
12
Have not taken any loan recently
Sysmiss
Primary use of the most recent loan - 3rd pick
What is/was the primary use or intended use of the most recent loan?
1
368
4
4
4
License or permit fees
Sysmiss
Primary use of the most recent loan - 4th pick
What is/was the primary use or intended use of the most recent loan?
1
368
7
7
7
Purchase of equipment
Sysmiss
How do you save money earned in this business - 1st pick
How do you save the money you earn in this business? Multiple responses possible.
338
31
1
9
1
I save money in the business premises
2
Through a Iqqub
3
Through a cooperative or savings group
4
Through MFIs
6
I save in a bank
7
I keep savings in my home
9
Other (please specify)
Sysmiss
How do you save money earned in this business - 1st, other specify
How do you save the money you earn in this business? Multiple responses possible.
1
368
9
9
9
Other (please specify)
Sysmiss
How do you save money earned in this business - 2nd pick
How do you save the money you earn in this business? Multiple responses possible.
87
282
2
7
2
Through a Iqqub
3
Through a cooperative or savings group
4
Through MFIs
6
I save in a bank
7
I keep savings in my home
Sysmiss
How do you save money earned in this business - 3rd pick
How do you save the money you earn in this business? Multiple responses possible.
20
349
4
7
4
Through MFIs
6
I save in a bank
7
I keep savings in my home
Sysmiss
How do you save money earned in this business - 4th pick
How do you save the money you earn in this business? Multiple responses possible.
5
364
7
7
7
I keep savings in my home
Sysmiss
Can you borrow if faced with an unexpected situation needing 5,000 Birr in 2 wee
If suddenly you’re faced with an unexpected situation and you need 5,000 Birr in 2 weeks for your business, do you think you can borrow it?
338
31
1
No
1
Yes
Sysmiss
Can you borrow if faced with an unexpected situation needing 20,000 Birr in 2 we
If suddenly you’re faced with an unexpected situation and you need 20,000 Birr in 2 weeks for your business, do you think you can borrow it?
259
110
1
No
1
Yes
Sysmiss
What is the maximum you can borrow if faced with an unexpected situation in 2 we
If suddenly you’re faced with an unexpected situation and you need money in 2 weeks for your business, what is the maximum amount of money (in Birr) that you would be able to borrow?
338
31
250000
Where would you borrow from if faced with an unexpected situation requiring mone
If you’re faced with that situation of needing that money in 2 weeks for your business, where would you be able to borrow it? Select your MOST important or primary borrowing source (based on size of loan).
338
31
1
13
1
Spouse
2
Family member/friend
3
Other Business
4
Moneylender
8
Supplier/retailer/store
9
Iqqub
10
MFI
11
Bank
12
Other (please specify)
13
No source
Sysmiss
Where would you borrow from if faced with an unexpected situation requiring mone
If you’re faced with that situation of needing that money in 2 weeks for your business, where would you be able to borrow it? Select your MOST important or primary borrowing source (based on size of loan).
1
368
12
12
In your household who decides whether or not to buy an appliance
In your household who decides whether or not to buy an appliance for the home? (such as televisions, microwave, etc.)?
338
31
1
4
1
Me, by myself
2
My partner/spouse, by himself
3
Me and my partner/spouse
4
Me and another person
Sysmiss
In your household who decides who may go out to work
In your household who decides in what way household members may work outside the home (in what jobs, how many hours, where, etc.)?
338
31
1
4
1
Me, by myself
2
My partner/spouse, by himself
3
Me and my partner/spouse
4
Me and another person
Sysmiss
In your household who decided whether to support other family members
In your household who decides whether to support family members, such as your parents, siblings, in-laws, etc?
338
31
1
4
1
Me, by myself
2
My partner/spouse, by himself
3
Me and my partner/spouse
4
Me and another person
Sysmiss
In your household who decided whether to save for the future
In your household who decides whether to save for the future?
338
31
1
4
1
Me, by myself
2
My partner/spouse, by himself
3
Me and my partner/spouse
4
Me and another person
Sysmiss
Do you own a second business
Do you own a second business?
338
31
1
No
1
Yes
Sysmiss
What sector does the second business operate in
In which sector does your second business operate?
12
357
1
5
1
Manufacturing
3
Trade
4
Services
5
Agriculture
Sysmiss
Average daily total profits from second business
What was the average daily total PROFITS the second business earned during the last seven working days after paying all expenses, including salaries, rents, materials, etc. (in Birr)?
12
357
500
50000
Total sales from the last 30 days for second business
What were the business’ total SALES in the last 30 days for your second business? By this we mean the overall sales of products or services (in Birr).
12
357
1000
600000
How many employees does the second business have
How many employees does this second business have? Include full-time + part-time + temporary + unpaid, and family members. Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners.
12
357
7
Completed interview
nan
338
31
1
1
Time interview ended
nan
338
31
Unique ID for the respondent
nan
324
271954255830
918334004022
Branch
Branch
324
Enumerator name
Enunerator ID
324
1
10
Q1: Enumerator: Please enter the PSI_ID which is on your hand?
Q1: Enumerator: Please enter the PSI_ID which is on your hand?
324
1
409
Please confirm the respondent name is ${resp_name} ?
Please confirm the respondent name is ${resp_name} ?
324
1
1
1
Yes
Do you have any questions before we start?
Do you have any questions before we start?
324
1
No
1
Yes
Do you understand the information I have given?
Do you understand the information I have given?
324
1
No
1
Yes
Does the respondent consent to be verbally interviewed?
Does the respondent consent to be verbally interviewed?
324
1
1
1
Yes
4. Where does the interview take place?
Where does the interview take place? Do not read: If the place is both business and home
324
1
3
1
Business
2
Home
3
Other
4: Specify, where does the interview take place?
nan
324
5: Age of ${WEDP_1_1}
Age of {[Respondent name]}
324
22
63
6: Where was ${WEDP_1_1} born?
Where was {[Respondent name]} born?
324
1
7
7: What is ${WEDP_1_1} marital status?
What is {[Respondent name]} marital status?
324
1
6
1
Single/never married
2
Married/consensual union
3
Widowed
4
Divorced/separated/
6
Refusal
8: Who is the head of the household? (Do not read out responses))
Who is the head of the household? (Do not read out responses)/
324
1
4
1
Self
2
Spouse
3
Other female
4
Other male
Household size
Taking into account yourself and all members of this household, including small children and older adults, how many people live in your household?
324
1
15
10: How many people in your household work?
How many people in your household work? [Include part-time and full time; include employment, self-employment, and unpaid work e.g. on family business]
324
10
11: How many females in your household work?
How many females in your household work? [Include part-time and full time; include employment, self-employment, and unpaid work e.g. on family business]
324
6
12: Do you yourself work? [Include part-time and full time; include employment,
Do you yourself work? [Include part-time and full time; include employment, self-employment, and unpaid work e.g. on family business]
324
1
4
1
Yes, full time
2
Yes, part time
3
Yes, irregular hours
4
No
13. Do you have children?
Do you have children (include legally adopted and own children; do not include grand-children)?
324
1
No
1
Yes
14: How many children do you have?
How many children do you have?
276
48
1
8
Less than 5 years of age
Of these [number] children, how many are:
276
48
3
Between 5 and 18 years old
nan
276
48
5
Above 18 years old
nan
276
48
5
16. Who mainly looks after your children when you are working?
Who mainly looks after your children when you are working and they are not in school? (Do not read out responses)
242
82
1
8
1
They stay with me in the business
2
They look after themselves (they are old enough)
3
Elder siblings look after younger sibling
4
Self
5
Spouse
6
Other HH member
7
Non-HH member looks after them for free
8
Non-HH member is paid to look after them
Sysmiss
17. Are you the main income earner?
Are you the main income earner, or do you contribute significantly to your household's income?
324
1
4
1
I contribute 80% or more of my household's income.
2
I contribute 50-80% of my household's income.
3
l contribute less than 50% of my household's income but critical to make ends me
4
Ocassional or discretionary earner / contributor.
18. HOUSEHOLD INCOME
HOUSEHOLD INCOME: Please estimate the total income for your entire household combined over the last 30 DAYS
324
1500
480000
19. FEMALE HOUSEHOLD INCOME
FEMALE HOUSEHOLD INCOME: Please estimate, what are the total income of all the female workers in the household in the last 30 days? Enter in Ethiopian Birr.
324
150000
20: On a typical day, how many hours per day do you spend on wprk for pay
On a typical day, how many hours do you spend on work for pay, in business, farming or other activities to generate income?
324
15
21: On a typical day, how many hours per day do you spend on care activities
On a typical day, how many hours per day do you spend on care activities for family members and household chores (including cooking, cleaning and washing)?
324
15
22: On a typical day, how many hours does your spouse spend on work for pay
On a typical day, how many hours does your spouse spend on work for pay, in business, farming or other activities to generate income?
214
110
16
23: On a typical day, how many hours per day does your spouse spend on care
On a typical day, how many hours per day does your spouse spend on care activities for family members and household chores (including cooking, cleaning and washing)?
214
110
8
24: If a woman earns more money than her husband, it’s certain to cause problems
Do you agree or disagree with the following statement? "If a woman earns more money than her husband, it’s almost certain to cause problems“
324
1
No
1
Yes
25. Out of 10 of your neighbors, how many agree with the statement?
Out of 10 of your neighbors, how many do you think believe that if a woman earns more money than her husband, it’s almost certain to cause problems?
324
10
NAME OF THE ENTERPRISE registered with the WEDP program
Please write the NAME OF THE ENTERPRISE
324
Business sector
Please write the NAME OF the business sector
324
Business Area Name
Please write the business area Name
324
1: Is this ${enterprise_name} in ${sector} still in operation?
Is this {WEDP Enterprise} in {SECTOR} still in operation?
324
1
3
1
Yes, open as usual
2
Yes, in operation but temporarily closed
3
No, closed permanently
Days
How long ago did you close this business? Days
100
224
-99
26
Months
How long ago did you close this business? Months
100
224
11
Years
How long ago did you close this business? Years
100
224
7
3: What was the main reason you closed the business ${enterprise_name}?
What was the main reason you closed the business? [DO NOT PROMPT. LISTEN AND THEN CODE MOST APPLICABLE]
324
Reason Business closed: Coronavirus legislation
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Found job
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Inadequate funds
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Not enough customers
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Too much competition
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Not the right skills
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Could not manage finances
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Started another business
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Sold business
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Stay home for care duties
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Supplier problems
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: A family member took over
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Owner was ill
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Pregnancy or new baby
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Damaged due to political unrest
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Uncertainty due to political climate
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Disaster that destroyed business
nan
100
224
1
No
1
Yes
Sysmiss
Reason Business closed: Other reason
nan
100
224
1
No
1
Yes
Sysmiss
3: Specify, What was the main reason you closed the business?
Specify, What was the main reason you closed the business?
324
Reason is coronavirus
Enumerator Instruction:Do not ask but please select if the reason given in Qu
100
224
1
2
1
Yes, reason given referenced the coronavirus threat
2
No, reason given did not reference the coronavirus threat
Sysmiss
5a: What is your first main economic activity now?
What is your main economic activity now?
324
1
12
1
Still working in original WEDP Business
2
Employed for a wage in the same sector
3
Employed for a wage in a different sector
4
Started another business in the same sector
5
Started another business in a different sector
8
Unemployed/just staying at home and rely on my spouse’s income
9
Unemployed/just staying at home and rely on my parents/relatives’ income
10
I do piece/seasonal work
12
Other, specify
5a: Specify, What is your first main economic activity now?
Specify, What is your first main economic activity now?
324
5b: What is your second main economic activity now?
What is your main economic activity now?
324
-77
11
-77
I have no other activity
3
Employed for a wage in a different sector
4
Started another business in the same sector
5
Started another business in a different sector
8
Unemployed/just staying at home and rely on my spouse’s income
11
Studying
5c: What is your third main economic activity now?
What is your main economic activity now?
37
287
-77
-77
-77
I have no other activity
Sysmiss
5e: What is your fifth main economic activity now? If doing more than one activi
1
323
-77
-77
-77
I have no other activity
Sysmiss
6: What is the main reason that you are no longer operating a business?
What is the main reason that you are no longer operating a business?
59
265
1
9
1
Low earnings in business
2
Higher earnings elsewhere
4
Risk in business
6
Childcare
8
COVID closed business (business was suitable before COVID)
9
Other
Sysmiss
6: Specify, What is the main reason that you are no longer operating a business?
Specify, What is the main reason that you are no longer operating a business?
324
7: Is this ${enterprise_name} your main current business?
Is this ${enterprise_name} your main current business?
265
59
1
No
1
Yes
Sysmiss
What is the name of your main business?
324
8: What is the address of your main enterprise? City
What is the address of your main enterprise? City
265
59
1
8
8: What is the address of your main enterprise? Sub-city
What is the address of your main enterprise? Sub-city
1
323
9
9
8: What is the address of your main enterprise? Woreda
What is the address of your main enterprise? Woreda
1
323
99
99
8: a. In which subcity is your business located in(ADAMA)
In which subcity is your business located in(ADAMA)
238
86
1
6
8: b. In which Kebele is your business located in(ADAMA)
In which Kebele is your business located in(ADAMA)
238
86
1
23
9: What is the common name of the area where your main business is situated?
324
10: Please give directions to find your enterprise.
324
11: In which industry does your main business operate?
In which industry does your main business operate?
265
59
1
5
1
Manufacturing
2
Construction
3
Trade
4
Services
5
Agriculture
Sysmiss
What type of business do you have?
What type of business do you have? If your business operations are a mixture of two categories, choose the one category that generates the largest share of your revenues.
265
59
1
2
1
Wholesaler / I sell mostly to other businesses
2
Retailer / I sell mostly to end consumers
Sysmiss
13: What is your sub-sector of operation?
What is your sub-sector of operation?
265
59
-77
31
-77
No secondary line of business or operation
1
Textile and garment manufacturing
3
Intermediate food/bev. products production
5
Wood works
6
Building materials manufacturing
9
Wholesale
10
Retail
11
Small transport services
12
Café and restaurants
14
Tourism services
16
Business services
17
Staffing/outsourcing services
21
Maintenance services (non-automobile)
23
Beauty salon
25
Interior design/decorating services
27
Cleaning services (non-laundry)
28
Laundry services
29
Modern livestock rearing
31
Poultry
Sysmiss
13: Specify, What is your sub-sector of operation?
Specify, What is your sub-sector of operation?
324
Years
How many years has your main business been in operation for?
265
59
28
Months
How many months has your main business been in operation for?
265
59
11
15: What was the primary reason that you started or joined this business?
What was the primary reason that you started or joined this business?
265
59
1
15
1
Household needed additional money
2
Wanted to make more money
3
Did not have a better wage alternative
4
Lost previous job
5
Wanted to continue family business
6
Previous experience as a worker in this sector
7
Previous experience as an apprentice in this sector
8
I took a related training course
9
Received subsidy to set up business
10
Low capital requirements
11
Allows me to balance family and work life
12
Saw a market opportunity
13
Wanted to be my own boss/have own business
14
Previous business not successful
15
Wanted to benefit from my hobby
Sysmiss
16: How many businesses have you owned in your life?
How many businesses have you owned in your life?
265
59
1
15
17: For how many years have you been a business owner – this means, for how many
For how many years have you been a business owner – this means, for how many years have you been self-employed? (in general, not only restricted to the current business)
265
59
0.30000001192092896
30
18: Please select your relationship to the current main business
Please select your relationship to the current main business
265
59
1
3
1
Business owner only
2
Business manager only
3
Both
Sysmiss
19: Is this business owned by you, someone else, or you together with somebody e
Is this business owned by you, someone else, or you together with somebody e
265
59
1
3
1
Single Owner – Self
2
Single Owner – Other
3
Joint Owner
Sysmiss
20: What percentage of this main business do you own?
What percentage of this main business do you own?
15
309
25
85
21: Who is the main owner of this business?
Who is the main owner of this business?
265
59
1
3
1
Self
2
Spouse/domestic partner
3
Own Relative
Sysmiss
22: What is the gender of the main business owner?
What is the gender of the main business owner?
265
59
1
2
1
Male
2
Female
Sysmiss
Max amount able to borrow in 2 weeks
If you’re suddenly faced with an unexpected situation and you need money in 2 weeks for your business, what is the maximum amount of money that you would be able to borrow? (in Birr)
265
59
1000000
Where would you borrow from? - 1st pick
If you’re faced with that situation of needing that money in 2 weeks for your business, where would you be able to borrow it? (Do not read responses, list two sources in order of importance)
265
59
1
14
1
Husband/ partner
2
Family member or friend
4
Moneylender
7
Cooperative
8
Supplier/ Retailer/ Store
9
Iqqub
10
MFI
11
Bank
12
Own Personal Savings or reserves
13
Other(please specify)
14
No source
Sysmiss
24: Specify, If you’re faced with that situation of needing that money in 2 week
Specify, If you’re faced with that situation of needing that money in 2 week
324
Where would you borrow from? - 2nd pick
If you’re faced with that situation of needing that money in 2 weeks for your business, where would you be able to borrow it? (Do not read responses, list two sources in order of importance)
245
79
1
14
1
Husband/ partner
2
Family member or friend
3
Other business
7
Cooperative
8
Supplier/ Retailer/ Store
9
Iqqub
10
MFI
11
Bank
12
Own Personal Savings or reserves
13
Other(please specify)
14
No source
Sysmiss
24: Specify, If you’re faced with that situation of needing that money in 2 week
Specify, If you’re faced with that situation of needing that money in 2 week
324
25: What is the total profits your main business earned in the year 2013 (in ETB
What is the total profits your main business earned in the year 2013 (in ETB
265
59
-400000
1200000
26: Do sales show a seasonal pattern?
Do sales show a seasonal pattern?
324
Do sales show a seasonal pattern:Highest during rainy season
Do sales show a seasonal pattern:Highest during rainy season
265
59
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern:Highest after rainy season
Do sales show a seasonal pattern:Highest after rainy season
265
59
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern:Lowest during rainy season
Do sales show a seasonal pattern:Lowest during rainy season
265
59
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern:Highest before rainy season
Do sales show a seasonal pattern:Highest before rainy season
265
59
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern:Lowest after rainy season
Do sales show a seasonal pattern:Lowest after rainy season
265
59
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern:Highest in holiday season
Do sales show a seasonal pattern:Highest in holiday season
265
59
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern:Other pattern
Do sales show a seasonal pattern:Other pattern
324
1
No
1
Yes
Do sales show a seasonal pattern:No pattern
Do sales show a seasonal pattern:No pattern
265
59
1
No
1
Yes
Sysmiss
26: Specify, Do sales show a seasonal pattern?
Specify, Do sales show a seasonal pattern?
324
27: What were the main business’ total SALES in the last 30 days? By this we mea
What were the main business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).
265
59
2400000
28. Sales change over the last year
Comparing your main business sales for the last 30 days (in 2021) with the same month last year (in 2020), are your sales?
265
59
1
4
1
Higher than last year
2
Same as last year
3
Lower than last year
4
Business was not in operation last year
Sysmiss
29: What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the
What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the overall expenses made in the business in Ethiopian Birr, including salaries.
265
59
20200000
30: What were the approximate amounts spent on Salaries of workers in the last 3
What were the approximate amounts spent just on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0"
265
59
75000
31: Outside of any regular fixed salary, how much did you take from business rev
Outside of any regular fixed salary, how much did you take from business revenues for personal/household expenses in the past month (in Birr)?
265
59
100000
32: What are the PROFITS received from your main business in the past 30 days? (
What are the PROFITS received from your main business in the past 30 working days? (I.e. the total income your business earned after paying all expenses in your business including the wages of employees)?
265
59
-4550000
170000
33: ASSETS: How much would you estimate is the value of your main businesses’ as
ASSETS: How much would you estimate is the value of your main businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)?
265
59
1660
9000000
34: Do you own any equipment or machinery in your main business?
Do you own any equipment or machinery in your main business?
265
59
1
No
1
Yes
Sysmiss
35: CAPITAL STOCK What is the replacement value of all your owned equipment and
CAPITAL STOCK What is the replacement value of all your owned equipment and machinery (in Birr)?
250
74
1100
5000000
36: CAPITAL STOCK Do you currently rent out equipment and machinery?
CAPITAL STOCK Do you currently rent equipment and machinery?
250
74
1
No
1
Yes
Sysmiss
37: CAPITAL STOCK What is the replacement value of all your rented out equipment
CAPITAL STOCK What is the replacement value of all your rented equipment and machinery (in Birr)
5
319
5000
50000
38: Does your business have any inventory stocks? (That is, final goods for sale
Does your business have any inventory stocks? (That is, final goods for sale)
265
59
1
No
1
Yes
Sysmiss
39: INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of
INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of final goods for sale that you have currently in stock (in Birr)? By stock, I mean all those goods your business owns at the moment. If respondent does not understand the question: How many Birr would you get if you would sell all these goods for sale?
193
131
500
8700000
40: Does your business use any RAW MATERIALS? (i.e. product components and raw m
Does your business use any RAW MATERIALS? (i.e. product components and raw materials used to manufacture the final goods)
265
59
1
No
1
Yes
Sysmiss
41: RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of y
RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of your current additional stocks? By additional stocks, I mean product components and raw material you need for your product, goods in production and spare parts that are currently part of your business. If respondent does not understand the question: How many Birr would you get if you would sell all these items?
74
250
500
200000
42. What were sales pre-COVID?
During regular operations, before the coronavirus (COVID-19) pandemic began, what were your average monthly SALES for your main business?
265
59
-77
20000000
43: When this business first started, where did most of the start-up capital for
When this business first started, where did most of the start-up capital for this business come from?
324
Startup capital came from:own savings
Startup capital came from:own savings
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:spouse's savings
Startup capital came from:spouse's savings
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:ROSACA type savings
Startup capital came from:ROSACA type savings
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:Family inheritance
Startup capital came from:Family inheritance
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:Remittance
Startup capital came from:Remittance
265
59
No
Sysmiss
Startup capital came from:Gift from relatives
Startup capital came from:Gift from relatives
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:NGO assistance
Startup capital came from:NGO assistance
265
59
No
Sysmiss
Startup capital came from:Govt assistance
Startup capital came from:Govt assistance
265
59
No
Sysmiss
Startup capital came from:Loan from parents
Startup capital came from:Loan from parents
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:Loan from siblings
Startup capital came from:Loan from siblings
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:Loan from friends
Startup capital came from:Loan from friends
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:Loan from other businesses
Startup capital came from:Loan from other businesses
265
59
No
Sysmiss
Startup capital came from:Loan from informal money lender
Startup capital came from:Loan from informal money lender
265
59
No
Sysmiss
Startup capital came from:Loan from MFI
Startup capital came from:Loan from MFI
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:Loan from banks
Startup capital came from:Loan from banks
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:Other
Startup capital came from:Other
265
59
1
No
1
Yes
Sysmiss
Startup capital came from:Don't know
Startup capital came from:Don't know
265
59
No
Sysmiss
44: How much was the starting capital for the main business (includes equipment
How much was the starting capital for the main business (includes equipment and machinery used to start the business).? (in Birr)
265
59
600
800000
45: How many employees does this business have? (Full-time + part-time + tempora
How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0".
265
59
50
46: How many employees has this business HIRED in the past 12 months?
How many employees has this business HIRED in the past 12 months?
265
59
15
47: How many employees have LEFT this business in the past 12 months?
How many employees have LEFT this business in the past 12 months?
265
59
10
47.a: How many employees were FIRED from this business in the past 12 months?
How many employees were FIRED from this business in the past 12 months?
265
59
15
48: What was the most important reason for worker departure in the past 12 month
What was the most important reason for worker departure in the past 12 months?
92
232
1
7
1
Dismissal/poor performance
2
Worker found another job
3
Business could not afford
4
Worker sickness
5
Worker death
6
Work is seasonal
7
Other (please specify)
Sysmiss
48: Specify, What was the most important reason for worker departure in the past
Specify, What was the most important reason for worker departure in the past
324
49: How many hours do you personally work for your business in a typical week? (
How many hours do you personally work for your business in a typical week? (includes all business related activities)
265
59
105
50: Has the amount of hours that you work in the business per week changed over
Has the amount of hours that you work in the business per week changed over the last two years?
265
59
1
3
1
Hours have increased
2
Hours have decreased
3
Hours have stayed the same
Sysmiss
51: Do you have written contracts for your employees? (Any of them.)
Do you have written contracts for your employees? (Any of them.)
265
59
1
No
1
Yes
Sysmiss
52: How many of your employees are from another owners' family?
How many of your employees are from another owners' family?
15
309
2
53: How many of your employees are unpaid?
How many of your employees are unpaid?
265
59
-77
4
54: How many of your employees are part-time workers?
How many of your employees are part-time workers?
265
59
-77
4
55: How many hours in a day do your employees typically work on average?
How many hours in a day do your employees typically work on average?
265
59
-77
15
56: How many days in the week do your employees typically work on average?
How many days in the week do your employees typically work on average?
265
59
-77
7
57: Do you keep financial records or accounts for this business?
Do you keep financial records or accounts for this business?
265
59
1
No
1
Yes
Sysmiss
58: Has your business advertised/ have you made people aware of your business th
Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply.
324
Advertised business using:Newspaper/magazine/billboard
Advertised business using:Newspaper/magazine/billboard
265
59
1
No
1
Yes
Sysmiss
Advertised business using:Business cards/flyers
Advertised business using:Business cards/flyers
265
59
1
No
1
Yes
Sysmiss
Advertised business using:Loud speakers
Advertised business using:Loud speakers
265
59
1
No
1
Yes
Sysmiss
Advertised business using:Brokers
Advertised business using:Brokers
265
59
1
No
1
Yes
Sysmiss
Advertised business using:Online
Advertised business using:Online
265
59
1
No
1
Yes
Sysmiss
Advertised business using:Other,specify
Advertised business using:Other,specify
265
59
1
No
1
Yes
Sysmiss
Advertised business using:None
Advertised business using:None
265
59
1
No
1
Yes
Sysmiss
58: Specify, Has your business advertised/ have you made people aware of your bu
Specify, Has your business advertised/ have you made people aware of your bu
324
59: Which of the following digital tools and services do you use for your busine
Which of the following digital tools and services do you use for your business [Note online includes websites and social media]? (Select all that apply)
324
Digital tool used:None
Digital tool used:None
265
59
1
No
1
Yes
Sysmiss
Digital tool used:Sell products online
Digital tool used:Sell products online
265
59
1
No
1
Yes
Sysmiss
Digital tool used:Buy inputs online
Digital tool used:Buy inputs online
265
59
1
No
1
Yes
Sysmiss
Digital tool used:Accept electronic payments
Digital tool used:Accept electronic payments
265
59
1
No
1
Yes
Sysmiss
Digital tool used:Use a POS terminal in the business
Digital tool used:Use a POS terminal in the business
265
59
1
No
1
Yes
Sysmiss
Digital tool used:Advertise online
Digital tool used:Advertise online
265
59
1
No
1
Yes
Sysmiss
Digital tool used:Other
Digital tool used: Other
265
59
1
No
1
Yes
Sysmiss
60a: What is the top first challenges that you face in this business? Top 1 chal
What are the top three challenges (in order of importance) that you face in this business? (Do not read the responses)
265
59
1
41
1
Finding right staff
2
Retaining staff
3
Low demand
4
Demand exist but difficult to attract customers
5
Customer care
7
Too much competition
8
Low technical skills and experience
10
Finding right suppliers
11
Poor quality inputs
12
Finding a location/premises
13
Managing budget
14
Accessing credit
17
Legal environment
18
Confiscation or destroying of property by authorities
19
Taxes
20
Prohibitive rent
22
Balancing home and work life or separating household an business affairs
25
Finding larger markets
30
Security and theft prevention (premises, products)
33
Infrastructure and utilities (electricity, water, gas)
35
Corrupt and bribes
37
Macroeconomic conditions (inflation, exchange rate, etc.)
41
Other, specify
Sysmiss
60a: Specify, What is the top first challenges that you face in this business? T
Specify, What is the top first challenges that you face in this business? T
324
60b: What is the top second challenges that you face in this business? Top 2 cha
What are the top three challenges (in order of importance) that you face in this business? (Do not read the responses)
265
59
-77
37
-77
No other challenge
1
Finding right staff
2
Retaining staff
3
Low demand
4
Demand exist but difficult to attract customers
5
Customer care
6
Getting customers to pay on time
7
Too much competition
8
Low technical skills and experience
9
Compiling a business plan
10
Finding right suppliers
11
Poor quality inputs
12
Finding a location/premises
14
Accessing credit
17
Legal environment
18
Confiscation or destroying of property by authorities
19
Taxes
20
Prohibitive rent
22
Balancing home and work life or separating household an business affairs
23
Distribution/delivery of products to customers
25
Finding larger markets
26
Limited resources to pay employee salaries
27
Lack of equipment and inputs
28
Storages
30
Security and theft prevention (premises, products)
33
Infrastructure and utilities (electricity, water, gas)
35
Corrupt and bribes
37
Macroeconomic conditions (inflation, exchange rate, etc.)
Sysmiss
60b: Specify, What is the top second challenges that you face in this business?
Specify, What is the top second challenges that you face in this business?
324
60c: What is the top third challenges that you face in this business? Top 3 chal
What are the top three challenges (in order of importance) that you face in this business? (Do not read the responses)
249
75
-77
39
-77
No other challenge
1
Finding right staff
2
Retaining staff
3
Low demand
4
Demand exist but difficult to attract customers
5
Customer care
7
Too much competition
8
Low technical skills and experience
10
Finding right suppliers
11
Poor quality inputs
12
Finding a location/premises
13
Managing budget
14
Accessing credit
17
Legal environment
18
Confiscation or destroying of property by authorities
19
Taxes
20
Prohibitive rent
22
Balancing home and work life or separating household an business affairs
23
Distribution/delivery of products to customers
24
Other transport issues
25
Finding larger markets
27
Lack of equipment and inputs
29
Spoilage
30
Security and theft prevention (premises, products)
31
Personal security
33
Infrastructure and utilities (electricity, water, gas)
35
Corrupt and bribes
36
Networking
37
Macroeconomic conditions (inflation, exchange rate, etc.)
39
Floods, landslides, and other natural disasters
Sysmiss
1: Do you manage or own any other businesses?
Do you manage or own any other businesses?
324
1
No
1
Yes
1.a: How many other business do you mange or own?
How many other business do you mange or own?
37
287
1
2
2: In which industry does your other business operate?
In which industry does your other business operate?
37
287
1
5
1
Manufacturing
3
Trade
4
Services
5
Agriculture
Sysmiss
3: What type of business do you have? If your business operations are a mixture
What type of business do you have? If your business operations are a mixture of two categories, choose the one category that generates the largest share of your revenues.
37
287
1
2
1
Wholesaler / I sell mostly to other businesses
2
Retailer / I sell mostly to end consumers
Sysmiss
4: What is your sub-sector of operation?
What is your sub sector of operation?
37
287
-77
35
-77
No secondary line of busness
3
Intermediate food/bev. products production
4
Metal works and engineering
6
Building materials manufacturing
10
Retail
11
Small transport services
12
Café and restaurants
16
Business services
17
Staffing/outsourcing services
25
Interior design/decorating services
26
Communications services
27
Cleaning services (non-laundry)
28
Laundry services
33
Vegetables and fruits
35
Other
Sysmiss
4: Specify, What is your sub-sector of operation?
Specify, What is your sub-sector of operation?
324
Years
How many years has your business been in operation for?
37
287
14
Months
How many months has your business been in operation for?
37
287
10
6: What was the primary reason that you started or joined this business ${busin
What was the primary reason that you started or joined this business? [DO NOT PROMPT. LISTEN AND THEN CODE THE OPTION(S) THAT MOST APPLY.]
324
Started business because of:Household needed money
What was the primary reason that you started or joined this business: Household needed money
37
287
1
No
1
Yes
Sysmiss
Started business because of:Wanted to make more money
What was the primary reason that you started or joined this business: Wanted to make more money
37
287
1
No
1
Yes
Sysmiss
Started business because of:Did not have a better wage alternative
What was the primary reason that you started or joined this business: Did not have a better wage alternative
37
287
1
No
1
Yes
Sysmiss
Started business because of:Lost previous job
What was the primary reason that you started or joined this business: Lost previous job
37
287
1
No
1
Yes
Sysmiss
Started business because of:Wanted to continue family business
What was the primary reason that you started or joined this business: Wanted to continue family business
37
287
1
No
1
Yes
Sysmiss
Started business because of:Previous experience as a worker inthis sector
What was the primary reason that you started or joined this business: Previous experience as a worker in this sector
37
287
1
No
1
Yes
Sysmiss
Started business because of:Previous experience as an apprentice inthis sector
What was the primary reason that you started or joined this business: Previous experience as an apprentice in this sector
37
287
No
Sysmiss
Started business because of:I took a related training course
What was the primary reason that you started or joined this business: I took a related training course
37
287
No
Sysmiss
Started business because of:Received subsidy to start business
What was the primary reason that you started or joined this business:Received subsidy to start business
37
287
No
Sysmiss
Started business because of:Local captital requirements
What was the primary reason that you started or joined this business: Local capital requirements
37
287
1
No
1
Yes
Sysmiss
Started business because of: Allows work life balance
What was the primary reason that you started or joined this business: Allows work life balance
37
287
1
No
1
Yes
Sysmiss
Started business because of:Saw a market opportunity
What was the primary reason that you started or joined this business: Saw a market opportunity
37
287
1
No
1
Yes
Sysmiss
Started business because of:Wanted to be my own boss
What was the primary reason that you started or joined this business: Wanted to be my own boss
37
287
1
No
1
Yes
Sysmiss
Started business because of:Previous business not successful
What was the primary reason that you started or joined this business: Previous business not successful
37
287
1
No
1
Yes
Sysmiss
Started business because of:Wanted to benefit from my hobby
What was the primary reason that you started or joined this business: Wanted to benefit from my hobby
37
287
1
No
1
Yes
Sysmiss
Started business because of:Post retirement source of income
What was the primary reason that you started or joined this business: Post retirement source of income
37
287
No
Sysmiss
Started business because of:Other
What was the primary reason that you started or joined this business: Other
37
287
No
Sysmiss
7: Is there a relationship or strategy between this ${business_name} business a
Is there a relationship or strategy between this business and your main business?
37
287
1
6
1
Yes, seasonality of labor/sales is different
2
Yes, one business provides inputs to another
3
Yes, one business provides clients to another
4
Yes, can implement knowledge from one business to another
6
No
Sysmiss
8: Please select your relationship to this ${business_name} business:
Please select your relationship to this business:
37
287
1
3
1
Business owner only
3
Both
Sysmiss
9: Is this ${business_name} business owned by you, someone else, or you togethe
Is this business owned by you, someone else, or you together with somebody else?
37
287
1
3
1
Single Owner – Self
3
Joint Owner
Sysmiss
10: What percentage of the ${business_name} business do you own?
What percentage of the business do you own?
3
321
50
85
11: Who is the main owner of this ${business_name} business?
Who is the main owner of this business?
37
287
1
1
1
Self
Sysmiss
12: What is the gender of the main business ${business_name} owner?
What is the gender of the main business owner?
37
287
2
2
2
Female
Sysmiss
13: What is the total profits your business ${business_name} earned in the year
What is the total profits your business earned in the year 2013 (in ETB):
37
287
-150000
770000
14: Do sales show a seasonal pattern?
Do sales show a seasonal pattern?
324
Do sales show a seasonal pattern: Highest during rainy season
Do sales show a seasonal pattern: Highest during rainy season
37
287
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern: Highest after rainy season
Do sales show a seasonal pattern: Highest after rainy season
37
287
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern: Lowest during rainy season
Do sales show a seasonal pattern: Lowest during rainy season
37
287
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern: Highest before rainy season
Do sales show a seasonal pattern: Highest before rainy season
37
287
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern: Lowest after rainy season
Do sales show a seasonal pattern: Lowest after rainy season
37
287
No
Sysmiss
Do sales show a seasonal pattern: Highest during holiday season
Do sales show a seasonal pattern: Highest during holiday season
37
287
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern: Other pattern
Do sales show a seasonal pattern: Other pattern
37
287
1
No
1
Yes
Sysmiss
Do sales show a seasonal pattern: No pattern
Do sales show a seasonal pattern: No pattern
37
287
1
No
1
Yes
Sysmiss
14: Specify, Do sales show a seasonal pattern?
Specify, Do sales show a seasonal pattern?
324
15: What were the business’ ${business_name} total SALES in the last 30 days? B
What were the business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).
37
287
120000
16: Comparing your ${business_name} business sales for the last 30 days (in 202
Comparing your main business sales for the last 30 days (in 2021) with the same month last year (in 2020), are your sales?
37
287
1
4
1
Higher than last year
2
Same as last year
3
Lower than last year
4
Business was not in operation last year
Sysmiss
17: What were the ${business_name} business’ total COSTS in the LAST 30 DAYS? B
What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the overall expenses made in the business in Ethiopian Birr, including salaries.
37
287
80000
18: What were the approximate amounts spent just on Salaries of Workers in the l
What were the approximate amounts spent just on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0"
37
287
19500
19: Outside of any regular fixed salary, how much did you take from ${business_
Outside of any regular fixed salary, how much did you take from business revenues for personal/household expenses in the past month (in Birr)?
37
287
8340
20: What are the PROFITS received from your ${business_name} business in the pa
What are the PROFITS received from your business in the past 30 working days? (i.e. the total income your business earned after paying all expenses in your business including the wages of employees)?
37
287
-5000
50000
21: ASSETS: How much would you estimate is the value of your ${business_name} b
ASSETS: How much would you estimate is the value of your businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)?
37
287
5000
3555000
22: Do you own any equipment or machinery in your ${business_name} business?
Do you own any equipment or machinery in your main business?
37
287
1
No
1
Yes
Sysmiss
23: CAPITAL STOCK What is the replacement value of all your owned equipment and
CAPITAL STOCK What is the replacement value of all your owned equipment and machinery (in Birr)?
33
291
2000
3500000
24: CAPITAL STOCK Do you currently rent out equipment and machinery?
CAPITAL STOCK Do you currently rent equipment and machinery?
33
291
No
Sysmiss
26: Does your ${business_name} business have any inventory stocks? (That is, fi
Does your business have any inventory stocks? (That is, final goods for sale)
37
287
1
No
1
Yes
Sysmiss
27: INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of
INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of final goods for sale that you have currently in stock (in Birr)? By stock, I mean all those goods your business owns at the moment. If respondent does not understand the question: How many Birr would you get if you would sell all these goods for sale?
22
302
1000
1000000
28: Does your ${business_name} business use any RAW MATERIALS? (i.e. product co
Does your business use any RAW MATERIALS? (i.e. product components and raw materials used to manufacture the final goods)
37
287
1
No
1
Yes
Sysmiss
29: RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS:What is the value of yo
RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of your current additional stocks? By additional stocks, I mean product components and raw material you need for your product, goods in production and spare parts that are currently part of your business. If respondent does not understand the question: How many Birr would you get if you would sell all these items?
12
312
300
420000
30. What were sales pre-COVID?
During regular operations, before the coronavirus (COVID-19) pandemic began, what were your average monthly SALES for your main business?
37
287
-77
240000
31: When this ${business_name} business first started, where did most of the st
When this business first started, where did most of the start-up capital for this business come from?
324
Startup capital came from:own savings
When this business first started, where did most of the start-up capital for this business come from: Own savings
37
287
1
No
1
Yes
Sysmiss
Startup capital came from:spouse's savings
When this business first started, where did most of the start-up capital for this business come from: Spouse's savings
37
287
1
No
1
Yes
Sysmiss
Startup capital came from:ROSACA type savings
When this business first started, where did most of the start-up capital for this business come from: Equb or ROSACA type savings
37
287
No
Sysmiss
Startup capital came from:Family inheritance
When this business first started, where did most of the start-up capital for this business come from: Family inheritance
37
287
1
No
1
Yes
Sysmiss
Startup capital came from:Remittance
When this business first started, where did most of the start-up capital for this business come from: Remittance
37
287
No
Sysmiss
Startup capital came from:Gift from relatives
When this business first started, where did most of the start-up capital for this business come from: Gifts from friends and family
37
287
1
No
1
Yes
Sysmiss
Startup capital came from:NGO assistance
When this business first started, where did most of the start-up capital for this business come from: Financial assitance from NGO
37
287
No
Sysmiss
Startup capital came from:Govt assistance
When this business first started, where did most of the start-up capital for this business come from: Financial assistance from government agencies
37
287
1
No
1
Yes
Sysmiss
Startup capital came from:Loan from parents
When this business first started, where did most of the start-up capital for this business come from: Loan from parents
37
287
No
Sysmiss
Startup capital came from:Loan from siblings
When this business first started, where did most of the start-up capital for this business come from: Loan from siblings
37
287
No
Sysmiss
Startup capital came from:Loan from friends
When this business first started, where did most of the start-up capital for this business come from: Loan from friends and family
37
287
1
No
1
Yes
Sysmiss
Startup capital came from:Loan from other businesses
When this business first started, where did most of the start-up capital for this business come from: Loan from other business
37
287
No
Sysmiss
Startup capital came from:Loan from informal money lender
When this business first started, where did most of the start-up capital for this business come from: Loan from money lenders
37
287
No
Sysmiss
Startup capital came from:Loan from MFI
When this business first started, where did most of the start-up capital for this business come from: Loan from microfinance institutions
37
287
1
No
1
Yes
Sysmiss
Startup capital came from:Loan from banks
When this business first started, where did most of the start-up capital for this business come from: Loan from banks
37
287
1
No
1
Yes
Sysmiss
Startup capital came from:Other
When this business first started, where did most of the start-up capital for this business come from: Other
37
287
No
Sysmiss
Startup capital came from:Don't know
When this business first started, where did most of the start-up capital for this business come from: Don't know
37
287
No
Sysmiss
32: How much was the starting capital for the ${business_name} business (includ
How much was the starting capital for the main business (includes equipment and machinery used to start the business).? (in Birr)
37
287
250
1300000
33: How many employees does this ${business_name} business have? (Full-time + p
How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0".
37
287
11
34: How many employees has this ${business_name} business HIRED in the past 12
How many employees has this business HIRED in the past 12 months?
37
287
8
35: How many employees have LEFT this ${business_name} business in the past 12
How many employees have LEFT this business in the past 12 months?
37
287
6
36: What was the most important reason for worker departure in the past 12 month
What was the most important reason for worker departure in the past 12 months?
13
311
1
7
1
Dismissal/poor performance
2
Worker found another job
3
Business could not afford
7
Other (please specify)
Sysmiss
36: Specify, What was the most important reason for worker departure in the past
Specify, What was the most important reason for worker departure in the past
324
37: How many hours do you personally work for your ${business_name} business in
How many hours do you personally work for your business in a typical week? (includes all business related activities)
37
287
84
38: Has the amount of hours that you work in the ${business_name} business per
Has the amount of hours that you work in the business per week changed over the last two years?
37
287
1
3
1
Hours have increased
2
Hours have decreased
3
Hours have stayed the same
Sysmiss
2: In which industry does your other business operate?
In which industry does your other business operate?
1
323
4
4
4
Services
Sysmiss
3: What type of business do you have? If your business operations are a mixture
What type of business do you have? If your business operations are a mixture of two categories, choose the one category that generates the largest share of your revenues.
1
323
2
2
2
Retailer / I sell mostly to end consumers
Sysmiss
4: What is your sub-sector of operation?
What is your sub sector of operation?
1
323
16
16
16
Business services
Sysmiss
Years
How many years has your business been in operation for?
1
323
4
4
Months
How many months has your business been in operation for?
1
323
11
11
6: What was the primary reason that you started or joined this business ${busin
What was the primary reason that you started or joined this business? [DO NOT PROMPT. LISTEN AND THEN CODE THE OPTION(S) THAT MOST APPLY.]
324
Started business because of:Household needed money
What was the primary reason that you started or joined this business: Household needed money
1
323
No
Sysmiss
Started business because of:Wanted to make more money
What was the primary reason that you started or joined this business: Wanted to make more money
1
323
No
Sysmiss
Started business because of:Did not have a better wage alternative
What was the primary reason that you started or joined this business: Did not have a better wage alternative
1
323
No
Sysmiss
Started business because of:Lost previous job
What was the primary reason that you started or joined this business: Lost previous job
1
323
No
Sysmiss
Started business because of:Wanted to continue family business
What was the primary reason that you started or joined this business: Wanted to continue family business
1
323
No
Sysmiss
Started business because of:Previous experience as a worker inthis sector
What was the primary reason that you started or joined this business: Previous experience as a worker in this sector
1
323
No
Sysmiss
Started business because of:Previous experience as an apprentice inthis sector
What was the primary reason that you started or joined this business: Previous experience as an apprentice in this sector
1
323
No
Sysmiss
Started business because of:I took a related training course
What was the primary reason that you started or joined this business: I took a related training course
1
323
No
Sysmiss
Started business because of:Received subsidy to start business
What was the primary reason that you started or joined this business:Received subsidy to start business
1
323
No
Sysmiss
Started business because of:Local captital requirements
What was the primary reason that you started or joined this business: Local capital requirements
1
323
No
Sysmiss
Started business because of: Allows work life balance
What was the primary reason that you started or joined this business: Allows work life balance
1
323
No
Sysmiss
Started business because of:Saw a market opportunity
What was the primary reason that you started or joined this business: Saw a market opportunity
1
323
1
1
1
Yes
Sysmiss
Started business because of:Wanted to be my own boss
What was the primary reason that you started or joined this business: Wanted to be my own boss
1
323
No
Sysmiss
Started business because of:Previous business not successful
What was the primary reason that you started or joined this business: Previous business not successful
1
323
No
Sysmiss
Started business because of:Wanted to benefit from my hobby
What was the primary reason that you started or joined this business: Wanted to benefit from my hobby
1
323
1
1
1
Yes
Sysmiss
Started business because of:Post retirement source of income
What was the primary reason that you started or joined this business: Post retirement source of income
1
323
No
Sysmiss
Started business because of:Other
What was the primary reason that you started or joined this business: Other
1
323
No
Sysmiss
7: Is there a relationship or strategy between this ${business_name} business a
Is there a relationship or strategy between this business and your main business?
1
323
2
2
2
Yes, one business provides inputs to another
Sysmiss
8: Please select your relationship to this ${business_name} business:
Please select your relationship to this business:
1
323
3
3
3
Both
Sysmiss
9: Is this ${business_name} business owned by you, someone else, or you togethe
Is this business owned by you, someone else, or you together with somebody else?
1
323
1
1
1
Yes
Sysmiss
11: Who is the main owner of this ${business_name} business?
11: Who is the main owner of this ${business_name} business?
1
323
1
1
1
Self
Sysmiss
12: What is the gender of the main business ${business_name} owner?
What is the gender of the main business owner?
1
323
2
2
2
Female
Sysmiss
13: What is the total profits your business ${business_name} earned in the year
What is the total profits your business earned in the year 2013 (in ETB):
1
323
573600
573600
14: Do sales show a seasonal pattern?
Do sales show a seasonal pattern?
324
Do sales show a seasonal pattern: Highest during rainy season
Do sales show a seasonal pattern: Highest during rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Highest after rainy season
Do sales show a seasonal pattern: Highest after rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Lowest during rainy season
Do sales show a seasonal pattern: Lowest during rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Highest before rainy season
Do sales show a seasonal pattern: Highest before rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Lowest after rainy season
Do sales show a seasonal pattern: Lowest after rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Highest during holiday season
Do sales show a seasonal pattern: Highest during holiday season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Other pattern
Do sales show a seasonal pattern: Other pattern
1
323
No
Sysmiss
Do sales show a seasonal pattern: No pattern
Do sales show a seasonal pattern: No pattern
1
323
1
1
1
Yes
Sysmiss
15: What were the business’ ${business_name} total SALES in the last 30 days? B
What were the business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).
1
323
70000
70000
16: Comparing your ${business_name} business sales for the last 30 days (in 202
Comparing your main business sales for the last 30 days (in 2021) with the same month last year (in 2020), are your sales?
1
323
1
1
1
Higher than last year
Sysmiss
17: What were the ${business_name} business’ total COSTS in the LAST 30 DAYS? B
What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the overall expenses made in the business in Ethiopian Birr, including salaries.
1
323
22200
22200
18: What were the approximate amounts spent just on Salaries of Workers in the l
What were the approximate amounts spent just on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0"
1
323
10200
10200
19: Outside of any regular fixed salary, how much did you take from ${business_
Outside of any regular fixed salary, how much did you take from business revenues for personal/household expenses in the past month (in Birr)?
1
323
20: What are the PROFITS received from your ${business_name} business in the pa
What are the PROFITS received from your business in the past 30 working days? (i.e. the total income your business earned after paying all expenses in your business including the wages of employees)?
1
323
47800
47800
21: ASSETS: How much would you estimate is the value of your ${business_name} b
ASSETS: How much would you estimate is the value of your businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)?
1
323
500000
500000
22: Do you own any equipment or machinery in your ${business_name} business?
Do you own any equipment or machinery in your main business?
1
323
1
1
1
Yes
Sysmiss
23: CAPITAL STOCK What is the replacement value of all your owned equipment and
CAPITAL STOCK What is the replacement value of all your owned equipment and machinery (in Birr)?
1
323
500000
500000
24: CAPITAL STOCK Do you currently rent out equipment and machinery?
CAPITAL STOCK Do you currently rent equipment and machinery?
1
323
No
Sysmiss
26: Does your ${business_name} business have any inventory stocks? (That is, fi
Does your business have any inventory stocks? (That is, final goods for sale)
1
323
No
Sysmiss
28: Does your ${business_name} business use any RAW MATERIALS? (i.e. product co
Does your business use any RAW MATERIALS? (i.e. product components and raw materials used to manufacture the final goods)
1
323
No
Sysmiss
30. What were sales pre-COVID?
During regular operations, before the coronavirus (COVID-19) pandemic began, what were your average monthly SALES for your main business?
1
323
120000
120000
31: When this ${business_name} business first started, where did most of the st
When this business first started, where did most of the start-up capital for this business come from?
324
Startup capital came from:own savings
When this business first started, where did most of the start-up capital for this business come from: Own savings
1
323
1
1
1
Yes
Sysmiss
Startup capital came from:spouse's savings
When this business first started, where did most of the start-up capital for this business come from: Spouse's savings
1
323
No
Sysmiss
Startup capital came from:ROSACA type savings
When this business first started, where did most of the start-up capital for this business come from: Equb or ROSACA type savings
1
323
No
Sysmiss
Startup capital came from:Family inheritance
When this business first started, where did most of the start-up capital for this business come from: Family inheritance
1
323
No
Sysmiss
Startup capital came from:Remittance
When this business first started, where did most of the start-up capital for this business come from: Remittance
1
323
No
Sysmiss
Startup capital came from:Gift from relatives
When this business first started, where did most of the start-up capital for this business come from: Gifts from friends and family
1
323
No
Sysmiss
Startup capital came from:NGO assistance
When this business first started, where did most of the start-up capital for this business come from: Financial assitance from NGO
1
323
No
Sysmiss
Startup capital came from:Govt assistance
When this business first started, where did most of the start-up capital for this business come from: Financial assistance from government agencies
1
323
No
Sysmiss
Startup capital came from:Loan from parents
When this business first started, where did most of the start-up capital for this business come from: Loan from parents
1
323
No
Sysmiss
Startup capital came from:Loan from siblings
When this business first started, where did most of the start-up capital for this business come from: Loan from siblings
1
323
No
Sysmiss
Startup capital came from:Loan from friends
When this business first started, where did most of the start-up capital for this business come from: Loan from friends and family
1
323
No
Sysmiss
Startup capital came from:Loan from other businesses
When this business first started, where did most of the start-up capital for this business come from: Loan from other business
1
323
No
Sysmiss
Startup capital came from:Loan from informal money lender
When this business first started, where did most of the start-up capital for this business come from: Loan from money lenders
1
323
No
Sysmiss
Startup capital came from:Loan from MFI
When this business first started, where did most of the start-up capital for this business come from: Loan from microfinance institutions
1
323
No
Sysmiss
Startup capital came from:Loan from banks
When this business first started, where did most of the start-up capital for this business come from: Loan from banks
1
323
No
Sysmiss
Startup capital came from:Other
When this business first started, where did most of the start-up capital for this business come from: Other
1
323
No
Sysmiss
Startup capital came from:Don't know
When this business first started, where did most of the start-up capital for this business come from: Don't know
1
323
No
Sysmiss
32: How much was the starting capital for the ${business_name} business (includ
How much was the starting capital for the main business (includes equipment and machinery used to start the business).? (in Birr)
1
323
20000
20000
33: How many employees does this ${business_name} business have? (Full-time + p
How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0".
1
323
3
3
34: How many employees has this ${business_name} business HIRED in the past 12
How many employees has this business HIRED in the past 12 months?
1
323
35: How many employees have LEFT this ${business_name} business in the past 12
How many employees have LEFT this business in the past 12 months?
1
323
1
1
36: What was the most important reason for worker departure in the past 12 month
What was the most important reason for worker departure in the past 12 months?
1
323
2
2
2
Worker found another job
Sysmiss
37: How many hours do you personally work for your ${business_name} business in
How many hours do you personally work for your business in a typical week? (includes all business related activities)
1
323
14
14
38: Has the amount of hours that you work in the ${business_name} business per
Has the amount of hours that you work in the business per week changed over the last two years?
1
323
3
3
3
Hours have stayed the same
Sysmiss
2: In which industry does your other business operate?
In which industry does your other business operate?
1
323
4
4
4
Services
Sysmiss
3: What type of business do you have? If your business operations are a mixture
What type of business do you have? If your business operations are a mixture of two categories, choose the one category that generates the largest share of your revenues.
1
323
2
2
2
Retailer / I sell mostly to end consumers
Sysmiss
4: What is your sub-sector of operation?
What is your sub sector of operation?
1
323
12
12
12
Café and restaurants
Sysmiss
Years
How many years has your business been in operation for?
1
323
2
2
Months
How many months has your business been in operation for?
1
323
11
11
6: What was the primary reason that you started or joined this business ${busin
What was the primary reason that you started or joined this business? [DO NOT PROMPT. LISTEN AND THEN CODE THE OPTION(S) THAT MOST APPLY.]
324
Started business because of:Household needed money
What was the primary reason that you started or joined this business: Household needed money
1
323
No
Sysmiss
Started business because of:Wanted to make more money
What was the primary reason that you started or joined this business: Wanted to make more money
1
323
No
Sysmiss
Started business because of:Did not have a better wage alternative
What was the primary reason that you started or joined this business: Did not have a better wage alternative
1
323
No
Sysmiss
Started business because of:Lost previous job
What was the primary reason that you started or joined this business: Lost previous job
1
323
No
Sysmiss
Started business because of:Wanted to continue family business
What was the primary reason that you started or joined this business: Wanted to continue family business
1
323
No
Sysmiss
Started business because of:Previous experience as a worker inthis sector
What was the primary reason that you started or joined this business: Previous experience as a worker in this sector
1
323
No
Sysmiss
Started business because of:Previous experience as an apprentice inthis sector
What was the primary reason that you started or joined this business: Previous experience as an apprentice in this sector
1
323
No
Sysmiss
Started business because of:I took a related training course
What was the primary reason that you started or joined this business: I took a related training course
1
323
No
Sysmiss
Started business because of:Received subsidy to start business
What was the primary reason that you started or joined this business:Received subsidy to start business
1
323
No
Sysmiss
Started business because of:Local captital requirements
What was the primary reason that you started or joined this business: Local capital requirements
1
323
No
Sysmiss
Started business because of: Allows work life balance
What was the primary reason that you started or joined this business: Allows work life balance
1
323
No
Sysmiss
Started business because of:Saw a market opportunity
What was the primary reason that you started or joined this business: Saw a market opportunity
1
323
No
Sysmiss
Started business because of:Wanted to be my own boss
What was the primary reason that you started or joined this business: Wanted to be my own boss
1
323
No
Sysmiss
Started business because of:Previous business not successful
What was the primary reason that you started or joined this business: Previous business not successful
1
323
No
Sysmiss
Started business because of:Wanted to benefit from my hobby
What was the primary reason that you started or joined this business: Wanted to benefit from my hobby
1
323
No
Sysmiss
Started business because of:Post retirement source of income
What was the primary reason that you started or joined this business: Post retirement source of income
1
323
No
Sysmiss
Started business because of:Other
What was the primary reason that you started or joined this business: Other
1
323
1
1
1
Yes
Sysmiss
6: Specify, What was the primary reason that you started or joined this business
Specify, What was the primary reason that you started or joined this business
324
7: Is there a relationship or strategy between this ${business_name} business a
Is there a relationship or strategy between this business and your main business?
1
323
2
2
2
Yes, one business provides inputs to another
Sysmiss
8: Please select your relationship to this ${business_name} business:
Please select your relationship to this business:
1
323
3
3
3
Both
Sysmiss
9: Is this ${business_name} business owned by you, someone else, or you togethe
Is this business owned by you, someone else, or you together with somebody else?
1
323
1
1
1
Yes
Sysmiss
11: Who is the main owner of this ${business_name} business?
11: Who is the main owner of this ${business_name} business?
1
323
1
1
1
Self
Sysmiss
12: What is the gender of the main business ${business_name} owner?
What is the gender of the main business owner?
1
323
2
2
2
Female
Sysmiss
13: What is the total profits your business ${business_name} earned in the year
What is the total profits your business earned in the year 2013 (in ETB):
1
323
180000
180000
14: Do sales show a seasonal pattern?
Do sales show a seasonal pattern?
324
Do sales show a seasonal pattern: Highest during rainy season
Do sales show a seasonal pattern: Highest during rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Highest after rainy season
Do sales show a seasonal pattern: Highest after rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Lowest during rainy season
Do sales show a seasonal pattern: Lowest during rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Highest before rainy season
Do sales show a seasonal pattern: Highest before rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Lowest after rainy season
Do sales show a seasonal pattern: Lowest after rainy season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Highest during holiday season
Do sales show a seasonal pattern: Highest during holiday season
1
323
No
Sysmiss
Do sales show a seasonal pattern: Other pattern
Do sales show a seasonal pattern: Other pattern
1
323
No
Sysmiss
Do sales show a seasonal pattern: No pattern
Do sales show a seasonal pattern: No pattern
1
323
1
1
1
Yes
Sysmiss
15: What were the business’ ${business_name} total SALES in the last 30 days? B
What were the business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).
1
323
60000
60000
16: Comparing your ${business_name} business sales for the last 30 days (in 202
Comparing your main business sales for the last 30 days (in 2021) with the same month last year (in 2020), are your sales?
1
323
1
1
1
Higher than last year
Sysmiss
17: What were the ${business_name} business’ total COSTS in the LAST 30 DAYS? B
What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the overall expenses made in the business in Ethiopian Birr, including salaries.
1
323
45000
45000
18: What were the approximate amounts spent just on Salaries of Workers in the l
What were the approximate amounts spent just on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0"
1
323
7800
7800
19: Outside of any regular fixed salary, how much did you take from ${business_
Outside of any regular fixed salary, how much did you take from business revenues for personal/household expenses in the past month (in Birr)?
1
323
20: What are the PROFITS received from your ${business_name} business in the pa
What are the PROFITS received from your business in the past 30 working days? (i.e. the total income your business earned after paying all expenses in your business including the wages of employees)?
1
323
15000
15000
21: ASSETS: How much would you estimate is the value of your ${business_name} b
ASSETS: How much would you estimate is the value of your businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)?
1
323
316000
316000
22: Do you own any equipment or machinery in your ${business_name} business?
Do you own any equipment or machinery in your main business?
1
323
1
1
1
Yes
Sysmiss
23: CAPITAL STOCK What is the replacement value of all your owned equipment and
CAPITAL STOCK What is the replacement value of all your owned equipment and machinery (in Birr)?
1
323
300000
300000
24: CAPITAL STOCK Do you currently rent out equipment and machinery?
CAPITAL STOCK Do you currently rent equipment and machinery?
1
323
No
Sysmiss
26: Does your ${business_name} business have any inventory stocks? (That is, fi
Does your business have any inventory stocks? (That is, final goods for sale)
1
323
1
1
1
Yes
Sysmiss
27: INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of
INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of final goods for sale that you have currently in stock (in Birr)? By stock, I mean all those goods your business owns at the moment. If respondent does not understand the question: How many Birr would you get if you would sell all these goods for sale?
1
323
10000
10000
28: Does your ${business_name} business use any RAW MATERIALS? (i.e. product co
Does your business use any RAW MATERIALS? (i.e. product components and raw materials used to manufacture the final goods)
1
323
1
1
1
Yes
Sysmiss
29: RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS:What is the value of yo
RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of your current additional stocks? By additional stocks, I mean product components and raw material you need for your product, goods in production and spare parts that are currently part of your business. If respondent does not understand the question: How many Birr would you get if you would sell all these items?
1
323
6000
6000
30. What were sales pre-COVID?
During regular operations, before the coronavirus (COVID-19) pandemic began, what were your average monthly SALES for your main business?
1
323
75000
75000
31: When this ${business_name} business first started, where did most of the st
When this business first started, where did most of the start-up capital for this business come from?
324
Startup capital came from:own savings
When this business first started, where did most of the start-up capital for this business come from: Own savings
1
323
1
1
1
Yes
Sysmiss
Startup capital came from:spouse's savings
When this business first started, where did most of the start-up capital for this business come from: Spouse's savings
1
323
No
Sysmiss
Startup capital came from:ROSACA type savings
When this business first started, where did most of the start-up capital for this business come from: Equb or ROSACA type savings
1
323
No
Sysmiss
Startup capital came from:Family inheritance
When this business first started, where did most of the start-up capital for this business come from: Family inheritance
1
323
No
Sysmiss
Startup capital came from:Remittance
When this business first started, where did most of the start-up capital for this business come from: Remittance
1
323
No
Sysmiss
Startup capital came from:Gift from relatives
When this business first started, where did most of the start-up capital for this business come from: Gifts from friends and family
1
323
No
Sysmiss
Startup capital came from:NGO assistance
When this business first started, where did most of the start-up capital for this business come from: Financial assitance from NGO
1
323
No
Sysmiss
Startup capital came from:Govt assistance
When this business first started, where did most of the start-up capital for this business come from: Financial assistance from government agencies
1
323
No
Sysmiss
Startup capital came from:Loan from parents
When this business first started, where did most of the start-up capital for this business come from: Loan from parents
1
323
No
Sysmiss
Startup capital came from:Loan from siblings
When this business first started, where did most of the start-up capital for this business come from: Loan from siblings
1
323
No
Sysmiss
Startup capital came from:Loan from friends
When this business first started, where did most of the start-up capital for this business come from: Loan from friends and family
1
323
No
Sysmiss
Startup capital came from:Loan from other businesses
When this business first started, where did most of the start-up capital for this business come from: Loan from other business
1
323
No
Sysmiss
Startup capital came from:Loan from informal money lender
When this business first started, where did most of the start-up capital for this business come from: Loan from money lenders
1
323
No
Sysmiss
Startup capital came from:Loan from MFI
When this business first started, where did most of the start-up capital for this business come from: Loan from microfinance institutions
1
323
No
Sysmiss
Startup capital came from:Loan from banks
When this business first started, where did most of the start-up capital for this business come from: Loan from banks
1
323
No
Sysmiss
Startup capital came from:Other
When this business first started, where did most of the start-up capital for this business come from: Other
1
323
No
Sysmiss
Startup capital came from:Don't know
When this business first started, where did most of the start-up capital for this business come from: Don't know
1
323
No
Sysmiss
32: How much was the starting capital for the ${business_name} business (includ
How much was the starting capital for the main business (includes equipment and machinery used to start the business).? (in Birr)
1
323
10000
10000
33: How many employees does this ${business_name} business have? (Full-time + p
How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0".
1
323
5
5
34: How many employees has this ${business_name} business HIRED in the past 12
How many employees has this business HIRED in the past 12 months?
1
323
1
1
35: How many employees have LEFT this ${business_name} business in the past 12
How many employees have LEFT this business in the past 12 months?
1
323
37: How many hours do you personally work for your ${business_name} business in
How many hours do you personally work for your business in a typical week? (includes all business related activities)
1
323
14
14
38: Has the amount of hours that you work in the ${business_name} business per
Has the amount of hours that you work in the business per week changed over the last two years?
1
323
3
3
3
Hours have stayed the same
Sysmiss
3: Does your household have any of the following? Please check all that apply
Does your household have any of the following? Please check all that apply
324
Do you have: Electricity
Do you have: Electricity
324
1
1
1
Yes
Do you have: Mobile phone
Do you have: Mobile phone
324
1
No
1
Yes
Do you have: Smartphone
Do you have: Smartphone
324
1
No
1
Yes
Do you have: Refridgerator
Do you have: Refridgerator
324
1
No
1
Yes
Do you have: Mattress
Do you have: Mattress
324
1
No
1
Yes
Do you have: Flush toilet
Do you have: Flush toilet
324
1
No
1
Yes
Do you have: Car
Do you have: Car
324
1
No
1
Yes
Do you have: House
Do you have: House
324
1
No
1
Yes
3.c: Please estimate the value of the car if you sold it in the near future?
If yes, please estimate the value if you sold it in the near future?
70
254
130000
8000000
3.h: Please estimate the value of the house if you sold it in the near future?
If yes, please estimate the value if you sold it in the near future?
133
191
250000
100000000
4: Which of the following items have you personally used as collateral for any l
Which of the following items have you personally used as collateral for any loans borrowed in the past 3 years?
324
Used as collateral for loan past 3 years: house
Used as collateral for loan past 3 years: house
324
1
No
1
Yes
Used as collateral for loan past 3 years: vehicle
Used as collateral for loan past 3 years: vehicle
324
1
No
1
Yes
Used as collateral for loan past 3 years: business inventory
Used as collateral for loan past 3 years: business inventory
324
1
No
1
Yes
Used as collateral for loan past 3 years: agriculture
Used as collateral for loan past 3 years: agriculture
324
No
Used as collateral for loan past 3 years: livestock
Used as collateral for loan past 3 years: livestock
324
No
Used as collateral for loan past 3 years: warehouse reciepts
Used as collateral for loan past 3 years: warehouse reciepts
324
No
Used as collateral for loan past 3 years: business machinery
Used as collateral for loan past 3 years: business machinery
324
1
No
1
Yes
Used as collateral for loan past 3 years: valuable household items
Used as collateral for loan past 3 years: valuable household items
324
1
No
1
Yes
Used as collateral for loan past 3 years: jewelry
Used as collateral for loan past 3 years: jewelry
324
No
Used as collateral for loan past 3 years: guarantor
Used as collateral for loan past 3 years: guarantor
324
1
No
1
Yes
Used as collateral for loan past 3 years: other
Used as collateral for loan past 3 years: other
324
1
No
1
Yes
Used as collateral for loan past 3 years: No collateral used
Used as collateral for loan past 3 years: No collateral used
324
1
No
1
Yes
Used as collateral for loan past 3 years: Not applicable
Used as collateral for loan past 3 years: Not applicable
324
1
4: Specify, Which of the following items have you personally used as collateral
Specify, Which of the following items have you personally used as collateral
324
29: house
If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: House
324
1
No
1
Yes
29: land
nan
324
1
No
1
Yes
29: vehicle
If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: vehicle
324
1
No
1
Yes
29: business assets
If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: business assets
324
1
No
1
Yes
29: guarantor's salary
If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: guarantor's salary
324
1
No
1
Yes
29: house
If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: House
85
239
300000
100000000
29: land
If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: Land
6
318
240000
3200000
29: vehicle
If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: vehicle
67
257
100000
8000000
29: business assets
If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: business assets
122
202
5000
6000000
29: guarantor's salary
If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: guarantor's salary
138
186
1200
100000
4a: Which of these services have you received in the past three years?
Which of these services have you received in the past three years?
324
1
4
1
Received MFI Loan
2
Received Business Training
3
Received Both MFI Loan and Training
4
Received neither MFI loan nor training
6: Have you ever had a loan from a bank or other formal financial institution (e
Have you ever had a loan from a bank or other formal financial institution (e.g. credit union or Micro-finance Institution?
324
1
No
1
Yes
5: A. Bank or other formal financial insitution: (except MFI)
In the past 3years, have you, by yourself or together with someone else, borrowed any money for your business from any of the following sources? Banks, micro-finance institutions or other formal financial insitutions; family, relatives and friends; other businesses; informal savings groups;
324
1
No
1
Yes
5: B. Microfinance Institution:
In the past 3years, have you, by yourself or together with someone else, borrowed any money for your business from any of the following sources? Banks, micro-finance institutions or other formal financial insitutions; family, relatives and friends; other businesses; informal savings groups;
324
1
No
1
Yes
5: C. Family, relatives, friends:
In the past 3years, have you, by yourself or together with someone else, borrowed any money for your business from any of the following sources? Banks, micro-finance institutions or other formal financial insitutions; family, relatives and friends; other businesses; informal savings groups;
324
1
No
1
Yes
5: D. Informal savings group:
In the past 3years, have you, by yourself or together with someone else, borrowed any money for your business from any of the following sources? Banks, micro-finance institutions or other formal financial insitutions; family, relatives and friends; other businesses; informal savings groups;
324
1
No
1
Yes
5.1: What is the total amount borrowed across all business loans taken in the pa
What is the total amount borrowed across all business loans taken in the past 3years?
194
130
3000
5700000
5.2: Have you borrowed from an MFI, bank or credit union in the last three years
Have you borrowed from an MFI, bank or credit union in the last three years
324
1
No
1
Yes
5.3: What is the total amount borrowed across all loans from MFIs, banks, or cre
What is the total amount borrowed across all loans from MFIs, banks, or credit unions in the last three years
154
170
118
3700000
24: What is/was the primary use or intended use of the largest formal loan? [DO
What is/was the primary use or intended use of the largest formal loan? [DO NOT PROMPT. LISTEN AND THEN SELECT THE OPTION(S) THAT BEST APPLY]
324
1
12
1
Construction
2
Rent
3
Purchase of inputs/raw materials
4
License or permit fees
5
Purchase of marketing materials or services
6
Pay off past business debt
7
Purchase of equipment
9
Buy property/land
10
Personal expenses
11
Other (please specify)
12
Have not taken any loan recently
24: Specify, What is/was the primary use or intended use of the largest formal l
Specify, What is/was the primary use or intended use of the largest formal l
324
24a: Have you borrowed from an MFI in the last three years
Have you borrowed from aMFI in the last three years
324
1
No
1
Yes
24b: Which of the following MFIs have you borrowed a loan from in the past 3 yea
Which of the following MFIs have you borrowed a loan from in the past 3 years?
324
Borrowed from an MFI:Specialized Financial and Promotional Institution S.C.
Borrowed from an MFI:Specialized Financial and Promotional Institution S.C.
139
185
No
Sysmiss
Borrowed from an MFI:Amhara Credit and Saving Institution
Borrowed from an MFI:Amhara Credit and Saving Institution
139
185
No
Sysmiss
Borrowed from an MFI:Addis Credit and Saving Institution S.C
Borrowed from an MFI:Addis Credit and Saving Institution S.C
139
185
No
Sysmiss
Borrowed from an MFI:Dedebit Credit and Saving Institution S.C.
Borrowed from an MFI:Dedebit Credit and Saving Institution S.C.
139
185
No
Sysmiss
Borrowed from an MFI:Meklit Microfinance Institution S.C
Borrowed from an MFI:Meklit Microfinance Institution S.C
139
185
1
No
1
Yes
Sysmiss
Borrowed from an MFI:Oromia Credit and Saving S.C.
Borrowed from an MFI:Oromia Credit and Saving S.C.
139
185
1
No
1
Yes
Sysmiss
Borrowed from an MFI:Metemamen Microfinance Institution S.C.
Borrowed from an MFI:Metemamen Microfinance Institution S.C.
139
185
1
No
1
Yes
Sysmiss
Borrowed from an MFI:Wasasa Microfinance Institution S.C
Borrowed from an MFI:Wasasa Microfinance Institution S.C
139
185
1
No
1
Yes
Sysmiss
Borrowed from an MFI:Vision fund Microfinance Institution S.C.
Borrowed from an MFI:Vision fund Microfinance Institution S.C.
139
185
1
No
1
Yes
Sysmiss
Borrowed from an MFI:Aggar Micro Finance S.C
Borrowed from an MFI:Aggar Micro Finance S.C
139
185
1
No
1
Yes
Sysmiss
Borrowed from an MFI:Harbu Microfinance Institution S.C
Borrowed from an MFI:Harbu Microfinance Institution S.C
139
185
1
No
1
Yes
Sysmiss
Borrowed from an MFI:Omo Microfinance Institution S.C
Borrowed from an MFI:Omo Microfinance Institution S.C
139
185
1
No
1
Yes
Sysmiss
Borrowed from an MFI:Other
Borrowed from an MFI:Other
139
185
1
No
1
Yes
Sysmiss
24b: Specify, Which of the following MFIs have you borrowed a loan from in the p
Specify, Which of the following MFIs have you borrowed a loan from in the p
324
5: Have you ever had a loan from the MFI Wasasa?
Have you ever had a loan from the MFI Wasasa?
324
1
No
1
Yes
5.1: How much was your original Wasasa loan?
How much was your original Wasasa loan
88
236
5000
600000
5.1a: Have you taken any subsequent Wasasa loans?
Have you taken any subsequent Wasasa loans?
88
236
1
No
1
Yes
Sysmiss
5.1a: How much was your any subsequent Wasasa loans?
How much was your any subsequent Wasasa loans?
9
315
8000
350000
5.1b: At this time, do you have any loans from Wasasa?
At this time, do you have any loans from Wasasa?
88
236
1
No
1
Yes
Sysmiss
5.1c: What is the amount currently owed on all of your loans from Wasasa at this
What is the amount currently owed on all of your loans from Wasasa at this time (in Birr)? If there are no such loans please enter zero.
28
296
6000
254000
8: Do you have a Wasasa bank account
Do you have a Wasasa bank account
324
1
No
1
Yes
Years
If yes, how long have you banked with Wasasa? Years
122
202
20
Months
If yes, how long have you banked with Wasasa? Months
122
202
-99
11
11: Outside of Wasasa, how many MFI, bank or credit union loans did you apply fo
Outside of Wasasa, how many MFI, bank or credit union loans did you apply for your business in the last three years
324
12
12: Outside Wasasa, how many MFI, bank or credit union loans did you receive
Outside of Wasasa, how many MFI, bank or creidt union loans did you receive for your business in the last year?
140
184
4
13: What was the total value of these loans?
What was the total value of these loans?
69
255
8000
3700000
14: Do you currently have any outstanding business loans from MFIs, banks or cre
Do you currently have any outstanding business loans from MFIs, banks or credit unions, apart from your Wasasa loan?
324
1
No
1
Yes
15: What is the amount currently owed on all of your loans taken from MFIs, bank
What is the amount currently owed on all of your loans taken from MFIs, banks or credit unions apart from Wasasa at this time (in Birr)? If there are no such loans please enter zero.
51
273
2610000
9: Do you currently have accounts with other MFIs, banks or credit unions?
Do you currently have accounts with other MFIs, banks or credit unions?
324
1
No
1
Yes
Years
How long have you had an account with other MFIs, banks or credit unions? Months
266
58
2
31
Months
How long have you had an account with other MFIs, banks or credit unions? Years
266
58
-99
10
11: Have you borrowed for your business in the past three years from your spouse
Have you borrowed for your business in the past three years from your spouse?
324
-77
2
-77
Not applicable
1
Yes
2
No
11a.1: How much do you borrowed for your business in the past three years from y
How much do you borrowed for your business in the past three years from your spouse?
21
303
12000
800000
12: Have you borrowed for your business from friends/family?
Have you borrowed for your business in the past three years from any other family member or a friend?
324
1
No
1
Yes
12: How much have you borrowed for your business from friends/family?
How much do you borrowed for your business in the past three years from any other family members or friends
66
258
3000
2000000
13: Have you borrowed for your business from another business?
Have you borrowed for your business in the past three years from another business?
324
1
No
1
Yes
13: How much have you borrowed for your business from another business?
How much do you borrowed for your business in the past three years from another business
5
319
15000
50000
14: Have you borrowed for your business from non-formal sources?
Have you borrowed for your business in the past three years from any other non-formal sources (eg., local money lender, idir)?
324
1
No
1
Yes
14: How much have you borrowed for your business from non-formal sources?
How much do you borrowed for your business in the past three years from other non-formal sources?
13
311
7000
400000
15. How much money do you own to the above
Of all the money you borrowed from all the informal sources we just mentioned for your business in the past three years, how much do you still owe (in Birr)?
324
-77
1300000
16: How many people/informal institutions do you owe money for your business at
How many people/informal institutions do you owe money for your business at the moment?
324
-77
8
17: What is/was the primary use or intended use of the largest informal loan? [D
What is/was the primary use or intended use of the largest informal loan? [DO NOT PROMPT. LISTEN AND THEN SELECT THE OPTION(S) THAT BEST APPLY]
324
Use of largest informal loan:Construction
Use of largest informal loan:Construction
324
No
Use of largest informal loan:Rent
Use of largest informal loan:Rent
324
1
No
1
Yes
Use of largest informal loan:Purchase of inputs/raw materials
Use of largest informal loan:Purchase of inputs/raw materials
324
1
No
1
Yes
Use of largest informal loan:License or permit fees
Use of largest informal loan:License or permit fees
324
1
No
1
Yes
Use of largest informal loan:Marketing materials
Use of largest informal loan:Marketing materials
324
1
No
1
Yes
Use of largest informal loan:Pay off debt
Use of largest informal loan:Pay off debt
324
1
No
1
Yes
Use of largest informal loan:Purchase equipment
Use of largest informal loan:Purchase equipment
324
1
No
1
Yes
Use of largest informal loan:Pay workers
Use of largest informal loan:Pay workers
324
1
No
1
Yes
Use of largest informal loan:Buy property/land
Use of largest informal loan:Buy property/land
324
1
No
1
Yes
Use of largest informal loan:Personal expenses
Use of largest informal loan:Personal expenses
324
1
No
1
Yes
Use of largest informal loan:Other,specify
Use of largest informal loan:Other,specify
324
1
No
1
Yes
Use of largest informal loan:Have not taken any loan recently
Use of largest informal loan:Have not taken any loan recently
324
1
No
1
Yes
17: Specify, What is/was the primary use or intended use of the largest informal
Specify, What is/was the primary use or intended use of the largest informal
324
18: How do you save the money you earn in your main business? Multiple responses
How do you save the money you earn in your main business? Multiple responses possible.
324
How do you save money:Business premises
How do you save money:Business premises
324
1
No
1
Yes
How do you save money:Throught iqqub
How do you save money:Throught iqqub
324
1
No
1
Yes
How do you save money:Through cooperative/savings group
How do you save money:Through cooperative/savings group
324
1
No
1
Yes
How do you save money:Through MFIs
How do you save money:Through MFIs
324
1
No
1
Yes
How do you save money:My business partner saves money
How do you save money:My business partner saves money
324
No
How do you save money:Bank
How do you save money:Bank
324
1
No
1
Yes
How do you save money:Home
How do you save money:Home
324
1
No
1
Yes
How do you save money:Don't save
How do you save money:Don't save
324
1
No
1
Yes
Other, specify
Other, specify
324
1
No
1
Yes
18: Specify, How do you save the money you earn in your main business?
Specify, How do you save the money you earn in your main business?
324
19. Maximum you can borrow
If you wanted to seek a loan for your business from a MFI, Bank or other formal source starting in the next few weeks, what is the maximum do you think you could borrow [given the collateral that you have]?
324
-88
5000000
20: Have you had a loan request denied by a financial institution in the last 12
Have you had a loan request denied by a financial institution in the last 12 months?
324
1
No
1
Yes
21a: Why was it denied? First most important
Why was it denied? (DO NOT PROMPT. LISTEN AND RECORD. Ff multiple reasons are mentioned, record the most important ones, in order of importance)
56
268
1
10
1
Could not provide security/collateral
4
Did not have the right documentation
9
Didn't give any reason
10
Other, Specify
Sysmiss
21a: Specify the first other most important, Why was it denied?
Specify the first other most important, Why was it denied?
324
21b: Why was it denied? Second most important
Why was it denied? (DO NOT PROMPT. LISTEN AND RECORD. Ff multiple reasons are mentioned, record the most important ones, in order of importance)
56
268
-777
10
-777
Not applicable
2
Could not come up with my own contribution
4
Did not have the right documentation
7
Did not have a business plan
10
Other, Specify
Sysmiss
21b: Specify the second other most important, Why was it denied?
Specify the second other most important, Why was it denied?
324
21c: Why was it denied? Third most important
Why was it denied? (DO NOT PROMPT. LISTEN AND RECORD. Ff multiple reasons are mentioned, record the most important ones, in order of importance)
5
319
-777
4
-777
Not applicable
4
Did not have the right documentation
Sysmiss
1: In your household who decides whether or not to buy an appliance for the home
In your household who decides whether or not to buy an appliance for the home? (such as televisions, microwave, etc.)?
324
1
5
1
Me, by myself
2
My partner/spouse, by himself
3
Me and my partner/spouse
4
Me and another person
5
Another person
2: In your household who decides in what way household members may work outside
In your household who decides in what way household members may work outside the home (in what jobs, how many hours, where, etc.)?
324
1
5
1
Me, by myself
2
My partner/spouse, by himself
3
Me and my partner/spouse
4
Me and another person
5
Another person
3: In your household who decides whether to support family members, such as your
In your household who decides whether to support family members, such as your parents, siblings, in-laws, etc?
324
1
5
1
Me, by myself
2
My partner/spouse, by himself
3
Me and my partner/spouse
4
Me and another person
5
Another person
4: In your household who decides whether to save for the future?
In your household who decides whether to save for the future?
324
1
5
1
Me, by myself
2
My partner/spouse, by himself
3
Me and my partner/spouse
4
Me and another person
5
Another person
5: In your household who decides how to use your business’ profits?
In your household who decides how to use your business’ profits?
324
1
5
1
Me, by myself
2
My partner/spouse, by himself
3
Me and my partner/spouse
4
Me and another person
5
Another person
1: I can always manage to solve difficult problems if I try hard enough.
I can always manage to solve difficult problems if I try hard enough.
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
2: It is easy for me to stick to my aims and accomplish my goals.
It is easy for me to stick to my aims and accomplish my goals.
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
3: I am confident that I could deal efficiently with unexpected events.
3: I am confident that I could deal efficiently with unexpected events.
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
4: I can solve most problems if I invest the necessary effort.
4: I can solve most problems if I invest the necessary effort.
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
5: When I am confronted with a problem, I can usually find several solutions.
5: When I am confronted with a problem, I can usually find several solutions.
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
6: No matter what comes my way, I’m usually able to handle it.
6: No matter what comes my way, I’m usually able to handle it.
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
7: Thanks to my skillful and creative thinking, I know how to handle unforeseen
7: Thanks to my skillful and creative thinking, I know how to handle unforeseen
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
8: If I am in trouble, I can usually think of a solution.
8: If I am in trouble, I can usually think of a solution.
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
9: If someone is against me, I can find means and ways to get what I want.
9: If someone is against me, I can find means and ways to get what I want.
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
10: I can remain calm when I am facing difficulties because I can rely on my abi
10: I can remain calm when I am facing difficulties because I can rely on my abi
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
11: I actively attack problems
11: I actively attack problems
324
2
5
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
12: Whenever something goes wrong, I search for a solution immediately
12: Whenever something goes wrong, I search for a solution immediately
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
13: Whenever there is a chance to get actively involved, I take it
13: Whenever there is a chance to get actively involved, I take it
324
2
5
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
14: I take initiative immediately even when others do not.
14: I take initiative immediately even when others do not.
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
15: I use opportunities quickly in order to attain my goals
15: I use opportunities quickly in order to attain my goals
324
2
5
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
16: Usually I do more than I am asked to do
16: Usually I do more than I am asked to do
324
1
5
1
Strongly Disgree,
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
17: I am particularly good at realizing ideas.
17: I am particularly good at realizing ideas.
324
2
5
2
Disagree
3
Neither agree nor disagree
4
Agree
5
Strongly Agree
18: Overall, how satisfied are you with your economic well-being? Are you ...
18: Overall, how satisfied are you with your economic well-being? Are you ...
324
1
4
1
Very satisfied
2
Fairly satisfied
3
Not very satisfied
4
Not at all satisfied
19: Overall, how satisfied are you with your work as a business owner/self-emplo
19: Overall, how satisfied are you with your work as a business owner/self-employed
324
1
4
1
Very satisfied
2
Fairly satisfied
3
Not very satisfied
4
Not at all satisfied
20: In comparison to others, are you a person who is generally willing to give u
In comparison to others, are you a person who is generally willing to give up something today in order to benefit from that in the future, or are you not willing to do so?
324
10
21: Please tell me, in general, how willing or unwilling you are to take risks.
21: Please tell me, in general, how willing or unwilling you are to take risks.
324
10
22: I often set a goal but later choose to pursue a different one.
22: I often set a goal but later choose to pursue a different one.
324
1
5
1
Not at all like me
2
Not like me
3
Unsure
4
Like me
5
Very much like me
23: New ideas and projects sometimes distract me from previous ones.
23: New ideas and projects sometimes distract me from previous ones.
324
1
5
1
Not at all like me
2
Not like me
3
Unsure
4
Like me
5
Very much like me
24: I have been obsessed with a certain idea or project for a short time but lat
24: I have been obsessed with a certain idea or project for a short time but later lost interest.
324
1
5
1
Not at all like me
2
Not like me
3
Unsure
4
Like me
5
Very much like me
25: I have difficulty maintaining my focus on projects that take more than a few
25: I have difficulty maintaining my focus on projects that take more than a few
324
1
5
1
Not at all like me
2
Not like me
3
Unsure
4
Like me
5
Very much like me
26: I finish whatever I begin.
26: I finish whatever I begin.
324
1
5
1
Not at all like me
2
Not like me
3
Unsure
4
Like me
5
Very much like me
27: Setbacks don’t discourage me.
27: Setbacks don’t discourage me.
324
1
5
1
Not at all like me
2
Not like me
3
Unsure
4
Like me
5
Very much like me
28: I am a hard worker.
28: I am a hard worker.
324
1
5
1
Not at all like me
2
Not like me
3
Unsure
4
Like me
5
Very much like me
29: I am diligent.
29: I am diligent.
324
1
5
1
Not at all like me
2
Not like me
3
Unsure
4
Like me
5
Very much like me
1: What, if any, challenges are you facing with your business with COVID?
What, if any, challenges are you facing with your business with the threat of the coronavirus pandemic?
324
COVID threat faced:None
COVID threat faced:None
324
1
No
1
Yes
COVID threat faced:Reduced demand (local)
COVID threat faced:Reduced demand (local)
324
1
No
1
Yes
COVID threat faced:Reduced demand (abroad)
COVID threat faced:Reduced demand (abroad)
324
1
No
1
Yes
COVID threat faced:Problems with suppliers domestically
COVID threat faced:Problems with suppliers domestically
324
1
No
1
Yes
COVID threat faced:Problems with suppliers from abroad
COVID threat faced:Problems with suppliers from abroad
324
1
No
1
Yes
COVID threat faced:Loan repayments
COVID threat faced:Loan repayments
324
1
No
1
Yes
COVID threat faced:Health issues
COVID threat faced:Health issues
324
1
No
1
Yes
COVID threat faced:Caring for other members
COVID threat faced:Caring for other members
324
1
No
1
Yes
COVID threat faced:Employees home care responsibilities
COVID threat faced:Employees home care responsibilities
324
1
No
1
Yes
COVID threat faced:Regulatory challenges
COVID threat faced:Regulatory challenges
324
1
No
1
Yes
COVID threat faced:Uncertainty affects investment
COVID threat faced:Uncertainty affects investment
324
1
No
1
Yes
COVID threat faced:Other,specify
COVID threat faced:Other,specify
324
1
No
1
Yes
1: Specify the other challenges are you facing with your business with the threa
Specify the other challenges are you facing with your business with the threa
324
2: In your opinion, what would be the most needed or helpful policies to support
In your opinion, what would be the most needed policies to support your business to recover from the COVID-19 crisis? [DO NOT PROMPT, LISTEN AND SELECT THE RESPONSE(S) THAT BEST APPLY]
324
Most needed COVID policy:Flexible business loans
Most needed COVID policy:Flexible business loans
324
1
No
1
Yes
Most needed COVID policy:Employee salary coverage
Most needed COVID policy:Employee salary coverage
324
1
No
1
Yes
Most needed COVID policy:Rent/fixed costs coverage
Most needed COVID policy:Rent/fixed costs coverage
324
1
No
1
Yes
Most needed COVID policy:Tax cuts
Most needed COVID policy:Tax cuts
324
1
No
1
Yes
Most needed COVID policy:Programs that help HH consumption
Most needed COVID policy:Programs that help HH consumption
324
1
No
1
Yes
Most needed COVID policy:Other
Most needed COVID policy:Other
324
1
No
1
Yes
Most needed COVID policy:Controlling inflation
Most needed COVID policy:Controlling inflation
324
1
No
1
Yes
Most needed COVID policy:Providing workspace
Most needed COVID policy:Providing workspace
324
1
No
1
Yes
2: Specify your other opinion, what would be the most needed or helpful policies
Specify your other opinion, what would be the most needed or helpful policies
324
Date/time submitted
Date/time submitted
324
2021-09-06 19:26:56
2021-10-12 14:55:34