DDI_GHA_2014_FII_v01_M_v01_A_PUF Development Data Group 2016-11-23 NADA v01 (November 2016) Financial Inclusion Insights Survey 2014 FII 2014 GHA_2014_FII_v01_M_v01_A_PUF InterMedia

Ipsos Ghana

NADA CGAP (the Consultative Group to Assist the Poor) Samuel Schueth Claudia McKay Claudia Vonderohe McKay Other Household Survey [hh/oth] The Financial Inclusion Insights (FII) program produces original data and practical knowledge on trends in mobile money and other digital financial services. It was conceived in 2013 in partnership with the Bill and Melinda Gates Foundation and is managed by InterMedia. The FII team conducts surveys and qualitative research in Rwanda, Ghana, Kenya, Tanzania, Uganda, Nigeria, India, Pakistan, Bangladesh and Indonesia to: - track access to and demand for financial services generally, and the uptake and use of digital financial services (DFS) specifically; - measure adoption and use of DFS among key target groups (females, BOP, rural, unbanked, etc.); - identify drivers and barriers to further adoption of DFS; - evaluate the agent experience and the performance of mobile money agents; and - produce actionable, forward-looking insights to support product and service development and delivery, based on rigorous FII data. Rwanda and Ghana FII surveys were sponsored by CGAP (the Consultative Group to Assist the Poor). Housed at the World Bank, CGAP is a global partnership of 34 leading organizations that seek to advance financial inclusion. v01 - edited dataset with direct identifying variables removed In 2014-2015, a research company InterMedia conducted Financial Inclusion Insights Survey in Ghana to respond to the needs identified by multiple stakeholders for timely demand side data and practical insights into digital financial services (DFS), including mobile money, and the potential for their expanded use among the poor. The specific objectives of the study were: - to track access to and demand for financial services generally and the uptake and use of DFS specifically; - to measure adoption and use of DFS among key target groups (females, BOP, rural, unbanked, etc.); - to identify drivers and barriers to further adoption of DFS; - to evaluate the agent experiences and the performance of mobile money agents; - to produce actionable, forward looking insights to support product and service development and delivery based on rigorous data. A nationally representative sample of 3,000 adults age 15 and older was randomly selected to participate in the study. The study was carried out in all 10 regions of Ghana (Northern, Upper East, Upper West, Brong-Ahafo, Ashanti, Central, Eastern, Western, Volta and Greater Accra). Face-to-face interviews were conducted from December 1, 2014 to January 3, 2015. The results provided baseline measurements. Subsequent annual surveys can measure trends and track market developments in digital financial services. Ghana All 10 regions in Ghana (Northern, Upper East, Upper West, Brong-Ahafo, Ashanti, Central, Eastern, Western, Volta and Greater Accra). - Individuals, - Households Adults age 15 and older residing in households Sample survey data [ssd] The scope of the study includes: - Basic demographics, - Poverty measurement (Grameen Progress out of Poverty Index), - Access/use of mobile devices, - Access/use of mobile money, - Access/use of formal financial services (e.g., bank accounts), - Access/use of semi-formal and informal financial services (e.g., SACCO, MFI, SUSU, cooperatives, self-help groups), - Financial literacy and preparedness, -Technical literacy. Ipsos Ghana The list of Enumeration Areas (EAs) created for the 2010 Ghana Population and Housing Census was used as the sampling frame for the study. The sample was selected using a stratified multistage design. Stratification was based on the urban/rural classification. The target sample of 3,000 respondents was first allocated to the 10 regions of the country proportionally to their estimated population of 15 years old and older. Within each region, the resulting sample allocation was proportionally distributed to urban and rural areas. In the first stage, EAs were selected as primary sampling units; each with an equal probability of being selected. Given 10 interviews were to be conducted in each selected EA, a total of 300 EAs were randomly selected. In the second stage, households were selected using the random walk method. In each of the sampled enumeration areas, prominent landmarks were identified to mark the single starting point for the random route walk. After identifying the starting point, a pen (or a stick) was spun on the ground and interviewers started the random walk in the opposite directions (nearest path/road) indicated by the pen neck and the bottom of the pen. During this process the interviewer adhered to the left hand rule thus selecting houses to the left hand side, sticking to the left when turning at each intersection. From the starting point, the interviewer identified the first household to be interviewed using the left hand rule and the last digit of the serial number of the questionnaire. In the third and final stage of selection, one eligible respondent in each household was selected using the Kish grid method where all people age 15 and older were listed with their ages from the eldest to the youngest. Face-to-face [f2f] The questionnaire was developed by InterMedia and translated by InterMedia’s field partners into the required languages: Ga, Twi, Ewe and Dagbanli. The translated questionnaires were approved by InterMedia before commencement of fieldwork. In addition to the questionnaire, the following research instruments were also used: - Interviewer and Supervisor training manuals - Show cards capturing literacy information - Supervisor observation form, issue log, filed log, and back check sheet - Introduction letter - GPS record forms - Start point selection forms. There were 3 consent forms that were administered for this study: - Parent/guardian consent form for all respondents who were between 15-17 years of age - Photography consent form administered to all respondents - Informed consent form to participate in a separate follow-up study. A central training of interviewers was conducted for five days in November 2014 to ensure uniformity in understanding the study objectives, methodology and questionnaire administration. A pilot study was carried out in the following areas: Odorkor, Kaneshie and Teshie on November 21, 2014 during which the teams tried out the questionnaire and the methodology of the study in close supervision by the field coordinator, a quality control executive and the team of supervisors. After that pilot, a review of the tool was done and some of the issues that arouse were addressed so as to ensure that everybody masters it very well. A total of 100 interviews were conducted. Fieldwork was conducted during December 1, 2014 - January 2, 2015. Total number of interviews conducted was 3,000. Each interviewer had a target of 3 interviews per day. The questionnaire was read word for word in respective local languages or English. The coordinate readings were captured using GPS machines at the end of every interview and recorded on the questionnaire. The household substitution was done if: - selected respondent terminates the interview before it is completed, - all call-backs have failed (3 attempts), - no one in the household spoke English or required local language, - selected respondent identified but not at home of calling, - house is lived in but no one home at the time of calling (no response), - selected respondent refuses to be interviewed. For unsuccessful interviews, the household to the immediate right of the initial household is selected. If that too is unsuccessful, the household to the immediate left of the initial household is selected, followed by second right, second left, third right and so on. Attempts could be made at up to 9 households (alternating between houses on the right and on the left as described above). However, after getting a successful interview, the interviewer resumed the normal skip from the furthest household reached in the process of substitution. InterMedia's field partner recruited 95 interviewers, 19 supervisors and 8 quality control representatives from a pool of qualified candidates. The field staff were chosen based on their experience in various studies conducted across the country and their languages. Each team comprised of five interviewers and one supervisor. In addition, five independent field quality control staff were directly hired by InterMedia to closely supervise and monitor fieldwork. InterMedia received weekly partial data from the field which was analyzed for quality control and used to provide timely feedback to field staff. Data Capturing was done via a Dimensions link developed by the Ipsos Kenya DP Hub. InterMedia provided Ipsos Ghana with a codebook along which the data was structured. Data capturing was done in the Ipsos Ghana office and begun on December 18, 2014. An interim data of the first 100 cases was shared with the InterMedia team on January 8, 2015. Data capturing ended on February 2, 2015. Ipsos Ghana employed a data plotter whose sole responsibility was to plot the GPS coordinates generated from field after each day's work to ensure that they plotted the correct coordinates. Where errors were found, the respective supervisor was alerted and they went back to the location to record the coordinates again. Data Processing was fully handled by the Ipsos Kenya DP team. Data processing ended on March 20, 2015. Use of the dataset must be acknowledged using a citation which would include: - the Identification of the Primary Investigator - the title of the survey (including country, acronym and year of implementation) - the survey reference number - the source and date of download Example, InterMedia. Ghana Financial Inclusion Insights Survey (FII) 2014, Ref. GHA_2014_FII_v01_M_v01_A_PUF. Dataset downloaded from [URL] on [date]. The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses. final_cgap_ghana_im_v2 3002 1018 SERIAL. Number SERIAL. Number SERIAL. Number SERIAL. Number SERIAL. Number 3002 1 3336 AA1. Region AA1. Region AA1. Region AA1. Region AA1. Region 3002 1 ashanti 2 BRONG AHAFO 3 CENTRAL REGION 4 eastern 5 GREATER ACCRA 6 northern 7 UPPER EAST 8 UPPER WEST 9 volta 10 western AA2. District AA2. District AA2. District AA2. District AA2. District 3002 1 aak 2 ABLEKUMA CENTRAL 3 ABLEKUMA NORTH 4 ABLEKUMA SOUTH 5 accra 6 adaklu 7 ADAKLU ANYIGBE 8 ADANSIE EAST 9 adedenkpo 10 adenta 11 adrobaa 12 AGONA AHANTA WEST 13 AKWAPIM MUNICIPAL 14 AKWAPIM NORTH 15 ACCRA METROPOLITAN ASSEMBLY 16 AMANSIE WEST 17 antwima 18 ASHAIMAN MUNICIPAL 19 AYAWASO CENTRAL 20 AYAWASO EAST 21 bolgatanga 22 bekwai 23 berekum 24 bosomtwe 25 CAPE COAST 26 CENTRAL GONJA 27 DADE KOTOPON 28 DANGBE EAST 29 DANGBE WEST 30 denyame 31 DOME SAPAMAN 32 EAST AKIM 33 effutu 34 EJISU JUABEN 35 fanteakwa 36 ga 37 gomoa 38 hak 39 ho 40 stma 41 jinijini 42 JUABEN MINICIPAL 43 karaga 44 KASSENA NANKANA 45 kato 46 keea 47 KINKA WE 48 kumasi 49 koforikrom 50 KPONE KATAMANSO 51 kumbongo 52 kumbungo 53 kuntananse 54 kwabre 55 kwadaso 56 kwaebibirem 57 LA DADE KOTOPON 58 LEDDZORKUKU KROWOR 59 lma 60 manhyia 61 mfantansa 62 mion 63 moree 64 MPHOK WASSA EAST 65 na 66 NEW JUABEN 67 NHIANSO SUB-METRO 68 njma 69 NO MINICIPAL 70 nsesereso 71 NUNGUA LEDZOKUKU 72 nyakpala 73 nyieso 74 oforikrom 75 OKAI KOI NORTH 76 OKAI KOI SOUTH 77 OKAIKOI SOUTH 78 OSU KINKA WE 79 pokuase 80 sagnarigu 81 SAVELUGU NANTON 82 sekondi 83 SEKYERE EAST 84 SEKYERE WEST 85 shama 86 sjunyani 87 stma 88 subin 89 suhum 90 sunyani 91 tafo 92 talensi 93 tamale 94 TANO NORTH 95 TEMA EAST 96 tolon 97 TONO NORTH 98 wa 99 WASSA MPOHOR EAST 100 WEST MAMPRUSI 101 WESTERN AHANTA WEST 102 YILO KROBO 103 zuarungu AA3. Locality AA3. Locality AA3. Locality AA3. Locality AA3. Locality 3002 1 ABAKA ANO 2 ABBOSSEY OKAI 3 abeka 4 aboabo 5 aboadze 6 abuakwa 7 abuesi 8 ABUTIA AGORVE 9 achimota 10 ADA BIG ADA 11 ADA KEWUNOR 12 adabraka 13 adaklu 14 ADAKLU ANYI GBE 15 ADAKLU HELEKPE 16 ADAKLU WUMENU 17 adantia 18 adeambra 19 adedekpo 20 adisadel 21 adrobaa 22 ADUM BANSO 23 adweso 24 adwoso 25 AGBO KORPE 26 agona 27 AGONA NKWANTA 28 AGOTIME KPETOE 29 AHANTA ABAASA 30 ahinsan 31 AHSAIMAN MANUWU JUNCTION 32 akorfu 33 akotokyir 34 akpokope 35 AKROFO AGORVE 36 akwadum 37 ALAJO MARKET 38 ALAJO PRESBY 39 alhaji 40 ALL NATIONS CHURCH 41 amakom 42 amanfol 43 AMISANO/ NANBA KROM 44 amomoma 45 ANKAFUL MENTAL HOSPITAL 46 anoe 47 anwomaso 48 anyaa 49 ANYAA AYIGBE TOWN 50 ANYAA NIC 51 apemeyim 52 apewosika 53 APIMANIM 01 54 APIMANIM NO 2 55 aplaku 56 APLAKU ISRAEL 57 aprobaa 58 asafo 59 ASAWASE ZONGO 60 asawasi 61 asenema 62 ASH TOWN 63 ashaiman 64 ASHAIMAN GERRY FISH POND 65 ASHAIMAN GOD IS GREAT 66 ASHAIMAN KANEWU SUNCITY 67 ASHAIMAN VALCO FLAT 68 ASHAIMAN ZENU 69 ASHIAMAN SENA RADIO 70 ashiyie 71 ashtown 72 asokore 73 ASOKORE MAMPONG 74 asokwa 75 asuoyeboah 76 ATONSU BOKRO 77 ATONSU KUWAIT 78 awoshie 79 AYEBRON SUHUM 80 ayensiso 81 ayigya 82 ayimom 83 bahilagi 84 bakpe 85 BAKPE NO2 86 balungu 87 bamahu 88 bantama 89 BARRACKS NEW TOWN 90 beaho 91 bekwai 92 BENJUMO AND CO LIMITED 93 besease 94 betom 95 biadan 96 BIG ADA 97 bihinaayili 98 bomaa 99 bomso 100 bosuso 101 BRAFO YAW 102 breman 103 BUOKROM ESTATE 104 BURMA CAMP 105 CAPE COAST ADISADEL 106 chengli 107 chiraa 108 choggu 109 CHRISTIAN VILLAGE 110 corination 111 CROSS ROAD PALLADIUM 112 daboase 113 dabokpa 114 dakuma 115 dalun 116 DANKO MUNICIPAL 117 DANSOMAN SAHARA 118 daporitdongo 119 darko 120 darkoman 121 deme 122 depotidongo 123 diare 124 dichemso 125 DIXCOVE LOWER 126 doba 127 dome 128 DOME SAMPAMAN 129 dompoase 130 duase 131 DUAYAW NKWANTA 132 dulan 133 EDU RIDGE 134 EFFIA KUMA 135 effiduase 136 ejisu 137 ekon 138 elimina 139 ENOA KOJOKROM 140 eshiem 141 essikado 142 esuakyir 143 ewanasadwo 144 EWUSIEJO NKWANTA 145 ewusiejoe 146 fadama 147 FANTE NEW TOWN 148 FAUSTINA'S HSE 149 fayiase 150 fiapre 151 fijai 152 GA WEST 153 gabwe 154 GAMBILSI YA 155 glefe 156 GOMOA JUKWA 157 gurugu 158 H OBARRACKS 159 HO AHOE 160 HO BANKOE 161 HO DOME 162 HO HOUSING 163 inchaban 164 jamdede 165 jinijini 166 juaben 167 jukwa 168 jumapo 169 KADE OFORIKROM ADOMPO 170 kakumdo 171 KALADAN BARRACKS 172 KAMEWU SUNCITY 173 kaneshie 174 kanewu 175 kasalgu 176 katariga 177 kato 178 KEADASO ESTATE 179 kenyase 180 kewornor 181 KLEF DOME 182 kodzobi 183 koforidua 184 KOFORIDUA NSUKWAO 185 kojokrom 186 koraso 187 KOTOBABI MAMOBI 188 kowunor 189 kpaguri 190 kperisi 191 kpongu 192 kprisi 193 kukuo 194 kukurantumi 195 kumbungu 196 kuntananse 197 KUTIRE NO1 198 KUTRE NO 2 199 kwamo 200 kwamoso 201 kwaprow 202 kwatire 203 LABADI MANMI 204 labone 205 lamashegu 206 larshibi 207 latebiokoshie 208 lekpongunor 209 LIGHT HOUSE 210 madina 211 malshegu 212 mamobi 213 MAMOBI KOTOBABI 214 mandela 215 mangu 216 manhean 217 mapeasem 218 MATSE DZAVE 219 meduma 220 moree 221 MOSHIE ZONGO 222 mpatapo 223 MPOHOR METHODIST JNR HIGH SCH 224 nakese 225 nakohagu 226 nanaba 227 nankese 228 nasia 229 NEW AMANFUL 230 NEW FADAMA 231 NEW SITE (EFFIAKUMA) 232 NEW TAKORADI 233 NEW TOWN SUNYANI 234 nib 235 nima 236 nkafoa 237 NKAWIE PANYIN 238 nksukwao 239 nkurankan 240 nohani 241 NORHT KANESHIE 242 NORTH SUNTRESO 243 nsapor 244 nsesreso 245 nsukwao 246 nungua 247 NUNGUA BARRIER/BUADE 248 NUNGUA COCOA BEACH 249 nyakpala 250 nyamekrom 251 nyerizegu 252 nyohini 253 oduman 254 OFO RICHARD 255 OFOASE KOKOBEN 256 OFORI KROM 257 OKRA KWADWO 258 OLD TAFO 259 OLD TAFO MOSHI ZONGO 260 OSU KINKAWE 261 otinshie 262 oyoko 263 PAKY NO2 264 PAKYI NO 1 265 pankrono 266 patasi 267 pawlugu 268 pedu 269 piisi 270 pokuase 271 polko 272 PONG TAMALE 273 PUSU NAMONGO 274 pwalugu 275 ridge 276 saforo 277 sagnarigu 278 sahara 279 sakpala 280 salaga 281 sanasi 282 sang 283 sankpala 284 santasi 285 sapeiman 286 savelugu 287 sekondi 288 sempe 289 SENA RADIO 290 senese 291 shama 292 SOKODE ANDO 293 SOKODE BAGBALE 294 SOKODE LOKOE 295 sombo 296 SOUTH SUNTRESO 297 srodae 298 suame 299 SUHUM/AYEBROM 300 SUHYEN/SUNYANI 301 sumbrungu 302 SUMPO DUNKWA 303 TAKLA TOKOR 304 tamale 305 tamalgu 306 tanoso 307 tanzul 308 TAVIEFE DZEFE 309 tekene 310 TEMA MANHEAN 311 TEMA NEW TOWN 312 tewobaabi 313 tikene 314 tinkong 315 tishigi 316 TOKOKOE AGBELENGOR 317 tolon 318 trede 319 tshigu 320 TSITO/AWUDOME 321 tsrefe 322 TUVIEFE DZEFE 323 UPPER DIXCOVE 324 UPPER WEST 325 USHER TOWN 326 valco 327 vitting 328 WEST ABBOSSEY OKAI 329 WEST TANOKROM 330 wikongo 331 winneba 332 wumenu 333 yamfo 334 yamoransa 335 yensiso 336 yikene 337 zaare 338 zenu 339 ziavi 340 zongo 341 zuarungu 342 zuo AA5. EA number AA5. EA number AA5. EA number AA5. EA number AA5. 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EA Type AA7. EA Type AA7. EA Type AA7. EA Type AA7. EA Type 3002 1 Urban 2 Rural AA8. Settlement Size AA8. Settlement Size AA8. Settlement Size AA8. Settlement Size AA8. Settlement Size 3002 1 Capital city 2 250,000 and over 3 100,000-249,999 4 50,000-99,999 5 20,000-49,999 6 5,000-19,999 7 2,000-4,999 8 Under 2,000 AA10. Respondent ID number AA10. Respondent ID number AA10. Respondent ID number AA10. Respondent ID number AA10. Respondent ID number 685 2317 10 2147 AB1. Date(dd.mm.yyyy) AB1. Date(dd.mm.yyyy) AB1. Date(dd.mm.yyyy) AB1. Date(dd.mm.yyyy) AB1. Date(dd.mm.yyyy) 3002 01.11.2014 01.12.2014 02.12.2014 03.12.2014 04.12.2014 05.01.2015 05.12.2014 06.12.2014 07.11.2014 07.12.2014 08.12.2014 09.12.2014 10.12.2014 11.10.2014 11.12.2014 12.12.2014 13.01.2015 13.11.2014 13.12.2014 14.11.2014 14.12.2014 15.12.2014 16.12.2014 17.12.2014 18.12.2014 19.12.2014 20.10.2014 20.12.2014 21.12.2014 22.11.2014 22.12.2014 23.12.2014 24.12.2014 25.12.2014 26.12.2014 27.12.2014 29.12.2014 30.12.2014 31.12.2014 AB2. Day of the week AB2. Day of the week AB2. Day of the week AB2. Day of the week AB2. Day of the week 3002 1 Monday 2 Tuesday 3 Wednesday 4 Thursday 5 Friday 6 Saturday 7 Sunday AB3.1. Start Time (hh:mm) AB3.1. Start Time (hh:mm) AB3.1. Start Time (hh:mm) AB3.1. Start Time (hh:mm) AB3.1. Start Time (hh:mm) 3002 10:00 10:01 10:02 10:03 10:04 10:05 10:06 10:07 10:08 10:09 10:10 10:12 10:13 10:14 10:15 10:16 10:17 10:18 10:20 10:21 10:22 10:23 10:24 10:25 10:26 10:27 10:28 10:30 10:31 10:32 10:33 10:34 10:35 10:36 10:37 10:38 10:39 10:40 10:41 10:42 10:43 10:44 10:45 10:46 10:48 10:49 10:50 10:51 10:52 10:53 10:54 10:55 10:56 10:57 10:58 10:59 11:00 11:01 11:02 11:03 11:04 11:06 11:07 11:08 11:09 11:10 11:11 11:12 11:13 11:14 11:15 11:16 11:17 11:18 11:19 11:20 11:21 11:22 11:23 11:25 11:26 11:27 11:28 11:29 11:30 11:31 11:32 11:33 11:34 11:35 11:36 11:37 11:39 11:42 11:43 11:44 11:45 11:46 11:47 11:48 11:49 11:50 11:51 11:52 11:53 11:54 11:55 11:56 11:57 11:58 12:00 12:01 12:02 12:03 12:04 12:05 12:06 12:07 12:08 12:09 12:10 12:11 12:12 12:13 12:14 12:15 12:16 12:17 12:19 12:20 12:21 12:22 12:23 12:24 12:25 12:26 12:27 12:29 12:30 12:31 12:32 12:33 12:34 12:36 12:37 12:38 12:39 12:40 12:41 12:42 12:43 12:44 12:45 12:46 12:47 12:48 12:49 12:50 12:51 12:52 12:55 12:56 12:57 12:58 12:59 13:00 13:01 13:02 13:03 13:04 13:05 13:06 13:07 13:08 13:09 13:10 13:12 13:13 13:14 13:15 13:16 13:17 13:18 13:19 13:20 13:21 13:22 13:23 13:24 13:25 13:26 13:27 13:28 13:30 13:31 13:33 13:34 13:35 13:36 13:37 13:38 13:39 13:40 13:41 13:42 13:43 13:44 13:45 13:46 13:47 13:49 13:50 13:52 13:55 13:56 13:57 13:58 13:59 14:00 14:01 14:02 14:03 14:04 14:06 14:08 14:09 14:10 14:11 14:12 14:13 14:15 14:16 14:17 14:18 14:19 14:20 14:21 14:23 14:25 14:26 14:27 14:28 14:29 14:30 14:31 14:32 14:33 14:34 14:35 14:36 14:37 14:39 14:40 14:42 14:43 14:45 14:46 14:47 14:48 14:50 14:51 14:53 14:54 14:55 14:56 14:57 14:58 14:59 15:00 15:01 15:02 15:03 15:05 15:06 15:07 15:08 15:09 15:10 15:11 15:12 15:13 15:14 15:15 15:16 15:17 15:20 15:21 15:24 15:25 15:28 15:29 15:30 15:31 15:32 15:33 15:34 15:37 15:38 15:39 15:40 15:41 15:42 15:43 15:45 15:46 15:47 15:49 15:50 15:53 15:55 15:56 15:57 15:59 16:00 16:01 16:03 16:04 16:05 16:08 16:09 16:10 16:12 16:13 16:14 16:15 16:16 16:17 16:19 16:20 16:24 16:25 16:27 16:30 16:32 16:33 16:35 16:36 16:38 16:39 16:40 16:41 16:42 16:44 16:47 16:50 16:51 16:53 16:55 16:56 16:59 17:00 17:02 17:04 17:06 17:09 17:10 17:14 17:17 17:19 17:20 17:21 17:30 17:34 17:39 17:45 17:50 17:52 17:55 17:57 17:58 17:59 18:00 18:09 18:10 18:20 18:29 18:40 6:14 6:20 6:27 6:29 6:59 7:00 7:02 7:04 7:05 7:11 7:13 7:15 7:21 7:24 7:30 7:31 7:32 7:39 7:41 7:44 7:50 7:59 8:01 8:03 8:04 8:07 8:08 8:09 8:10 8:11 8:12 8:14 8:15 8:19 8:20 8:21 8:23 8:25 8:26 8:29 8:30 8:32 8:33 8:34 8:36 8:37 8:38 8:39 8:40 8:42 8:44 8:45 8:46 8:47 8:50 8:51 8:53 8:54 8:57 9:00 9:01 9:02 9:03 9:04 9:05 9:06 9:07 9:08 9:09 9:10 9:11 9:12 9:13 9:14 9:15 9:16 9:18 9:19 9:20 9:22 9:25 9:26 9:28 9:29 9:30 9:31 9:32 9:33 9:34 9:36 9:37 9:39 9:40 9:41 9:42 9:43 9:44 9:45 9:46 9:47 9:48 9:49 9:50 9:51 9:52 9:53 9:55 9:56 9:57 9:58 AB4. End Time (hh:mm) AB4. End Time (hh:mm) AB4. End Time (hh:mm) AB4. End Time (hh:mm) AB4. End Time (hh:mm) 3002 10:00 10:01 10:02 10:03 10:04 10:05 10:06 10:07 10:08 10:09 10:10 10:12 10:13 10:14 10:15 10:16 10:17 10:18 10:20 10:21 10:22 10:23 10:24 10:25 10:26 10:27 10:28 10:30 10:31 10:32 10:33 10:34 10:35 10:36 10:37 10:38 10:39 10:40 10:41 10:42 10:43 10:44 10:45 10:46 10:48 10:49 10:50 10:51 10:52 10:53 10:54 10:55 10:56 10:57 10:58 10:59 11:00 11:01 11:02 11:03 11:04 11:06 11:07 11:08 11:09 11:10 11:11 11:12 11:14 11:15 11:16 11:17 11:18 11:19 11:20 11:21 11:22 11:23 11:25 11:26 11:27 11:28 11:29 11:30 11:31 11:32 11:33 11:34 11:35 11:36 11:37 11:38 11:39 11:40 11:42 11:43 11:44 11:45 11:46 11:47 11:48 11:49 11:50 11:51 11:52 11:53 11:54 11:55 11:56 11:57 11:58 11:59 12:00 12:01 12:02 12:03 12:04 12:05 12:06 12:07 12:08 12:09 12:10 12:11 12:12 12:13 12:14 12:15 12:16 12:17 12:19 12:20 12:21 12:22 12:23 12:24 12:25 12:26 12:27 12:28 12:29 12:30 12:31 12:32 12:33 12:34 12:36 12:37 12:39 12:40 12:41 12:42 12:43 12:44 12:45 12:46 12:47 12:48 12:49 12:50 12:51 12:52 12:53 12:55 12:56 12:57 12:58 12:59 13:00 13:01 13:02 13:03 13:04 13:05 13:06 13:07 13:08 13:09 13:10 13:12 13:13 13:14 13:15 13:16 13:17 13:18 13:19 13:20 13:21 13:22 13:23 13:24 13:25 13:26 13:27 13:28 13:30 13:31 13:32 13:33 13:34 13:35 13:36 13:37 13:38 13:39 13:40 13:41 13:43 13:44 13:45 13:46 13:47 13:49 13:50 13:51 13:52 13:53 13:54 13:55 13:56 13:57 13:58 13:59 14:00 14:01 14:02 14:03 14:04 14:06 14:07 14:08 14:09 14:10 14:11 14:13 14:14 14:15 14:16 14:17 14:18 14:19 14:20 14:21 14:22 14:23 14:25 14:26 14:27 14:28 14:29 14:30 14:31 14:32 14:33 14:34 14:35 14:36 14:37 14:38 14:39 14:40 14:42 14:43 14:44 14:45 14:46 14:48 14:49 14:50 14:51 14:52 14:53 14:54 14:55 14:56 14:57 14:58 15:00 15:01 15:02 15:03 15:04 15:05 15:06 15:07 15:08 15:09 15:10 15:11 15:12 15:13 15:14 15:15 15:16 15:17 15:19 15:20 15:21 15:22 15:23 15:24 15:25 15:26 15:27 15:29 15:30 15:31 15:34 15:37 15:38 15:39 15:40 15:41 15:42 15:43 15:44 15:45 15:46 15:47 15:48 15:49 15:50 15:51 15:52 15:55 15:56 15:57 15:58 15:59 16:00 16:01 16:02 16:03 16:04 16:05 16:07 16:08 16:09 16:10 16:12 16:13 16:14 16:15 16:17 16:18 16:19 16:20 16:21 16:22 16:23 16:24 16:25 16:26 16:27 16:28 16:30 16:31 16:32 16:33 16:34 16:35 16:36 16:37 16:38 16:39 16:40 16:43 16:44 16:45 16:46 16:47 16:50 16:51 16:52 16:53 16:54 16:55 16:56 16:57 16:58 16:59 17:00 17:01 17:02 17:03 17:04 17:07 17:09 17:10 17:11 17:13 17:15 17:16 17:17 17:19 17:20 17:21 17:22 17:25 17:26 17:28 17:29 17:30 17:31 17:34 17:36 17:37 17:38 17:39 17:40 17:42 17:43 17:44 17:45 17:46 17:47 17:48 17:49 17:50 17:51 17:52 17:53 17:54 17:55 17:57 17:58 18:00 18:03 18:05 18:06 18:08 18:09 18:14 18:17 18:19 18:20 18:29 18:30 18:31 18:32 18:34 18:38 18:40 18:42 18:49 18:55 18:57 18:59 19:05 19:15 19:25 19:27 19:30 19:35 19:39 19:41 7:04 7:07 7:23 7:38 7:55 7:58 7:59 8:00 8:02 8:04 8:12 8:15 8:20 8:22 8:25 8:27 8:30 8:34 8:35 8:38 8:39 8:42 8:45 8:46 8:50 8:51 8:54 8:57 9:00 9:01 9:02 9:03 9:05 9:08 9:09 9:10 9:12 9:14 9:15 9:19 9:20 9:21 9:22 9:23 9:24 9:25 9:28 9:29 9:30 9:31 9:32 9:33 9:34 9:36 9:38 9:39 9:40 9:41 9:42 9:43 9:44 9:45 9:47 9:48 9:49 9:50 9:51 9:52 9:53 9:55 9:56 9:57 9:58 9:59 AB5. Duration AB5. Duration AB5. Duration AB5. Duration AB5. Duration 3002 20 184 AB6.1. Interviewer Number AB6.1. Interviewer Number AB6.1. Interviewer Number AB6.1. Interviewer Number AB6.1. Interviewer Number 3002 1 AS013 2 AS020 3 AS021 4 AS022 5 AS026 6 AS029 7 AS031 8 AS037 9 AS064 10 AS088 11 AS090 12 AS093 13 AS099 14 BA014 15 BA015 16 BA016 17 BA017 18 BA018 19 BA019 20 BA020 21 BA022 22 BA055 23 CR009 24 CR011 25 CR012 26 CR021 27 CR028 28 CR029 29 CR030 30 CR031 31 CR032 32 CR033 33 ER005 34 ER007 35 ER008 36 ER020 37 ER026 38 ER027 39 ER028 40 ER029 41 ER030 42 FR117 43 GR009 44 GR011 45 GR012 46 GR020 47 GR025 48 GR027 49 GR029 50 GR030 51 GR031 52 GR055 53 GR069 54 GR108 55 GR115 56 GR116 57 GR135 58 GR167 59 GR169 60 GR188 61 GR226 62 GR227 63 GR236 64 GR242 65 GR253 66 GR254 67 GR264 68 GR269 69 GR270 70 GR271 71 GR272 72 GR284 73 GR292 74 HR169 75 na 76 NA070 77 NR014 78 NR015 79 NR016 80 NR017 81 NR018 82 NR035 83 NR038 84 NR039 85 NR051 86 NR053 87 NR065 88 NR066 89 NR067 90 NR068 91 NR069 92 NR070 93 NR093 94 NR119 95 S037 96 S099 97 VR012 98 VR013 99 VR015 100 VR018 101 VR022 102 VR023 103 VR025 104 VR026 105 VR028 106 VR032 107 VR034 108 VR039 109 VRO18 110 WR001 111 WR005 112 WR009 113 WR018 114 WR019 115 WR021 116 WR022 117 WR054 118 WR058 119 WR059 120 WR068 121 WR069 AB6.2. Supervisor number AB6.2. Supervisor number AB6.2. Supervisor number AB6.2. Supervisor number AB6.2. Supervisor number 3002 1 AS012 2 AS013 3 B004 4 BA004 5 BA014 6 BA019 7 BA04 8 BA044 9 CR003 10 CR010 11 CR029 12 CR033 13 ER022 14 ER025 15 FR114 16 GR010 17 GR012 18 GR025 19 GR033 20 GR117 21 GR119 22 GR138 23 GR177 24 GR220 25 na 26 NR015 27 NR016 28 NR022 29 NR030 30 NR035 31 NR036 32 NR038 33 NR039 34 NT015 35 VR013 36 VR015 37 VR018 38 VR025 39 VR026 40 VR028 41 VR038 42 WR001 43 WR022 AB7. Interviewer gender AB7. Interviewer gender AB7. Interviewer gender AB7. Interviewer gender AB7. Interviewer gender 3002 1 Male 2 Female Year respondent was born in by group Year respondent was born in by group Year respondent was born in by group Year respondent was born in by group Year respondent was born in by group 3002 1 1914-1939 2 1940-1959 3 1960-1979 4 1980-2000 DG2. Is the respondent a male or a female? DG2. Is the respondent a male or a female? DG2. Is the respondent a male or a female? DG2. Is the respondent a male or a female? DG2. Is the respondent a male or a female? 3002 1 Male 2 Female DG3. What is your marital status? DG3. What is your marital status? DG3. What is your marital status? DG3. What is your marital status? DG3. What is your marital status? 3002 1 Single/never married 2 Polygamously married 3 Monogamously married 4 Divorced 5 Separated 6 Widowed 7 Living together/ cohabiting 8 Other 9 DK/Refused DG4. What is your highest level of education? DG4. What is your highest level of education? DG4. What is your highest level of education? DG4. What is your highest level of education? DG4. What is your highest level of education? 3002 1 No formal education 2 Primary education not complete 3 Primary education complete 4 Some secondary 5 Secondary education complete 6 Some secondary vocational training / some certificate 7 Secondary vocational training complete / certificate complete 8 Some diploma 9 Diploma complete 10 Some college/university 11 Complete university degree 12 Post-graduate university degree 13 Koranic school 14 Other 15 DK/Refused DG5.1. Do you have any of the following types of an official identification? Nat DG5.1. Do you have any of the following types of an official identification? Nat DG5.1. Do you have any of the following types of an official identification? Nat DG5.1. Do you have any of the following types of an official identification? Nat DG5.1. Do you have any of the following types of an official identification? Nat Do you have any of the following types of an official identification? Government-issued ID/National ID 3002 1 Yes 2 No DG5.1. Do you have any of the following types of an official identification? National ID DG5.2. Do you have any of the following types of an official identification? Pas DG5.2. Do you have any of the following types of an official identification? Pas DG5.2. Do you have any of the following types of an official identification? Pas DG5.2. Do you have any of the following types of an official identification? Pas DG5.2. Do you have any of the following types of an official identification? Pas Do you have any of the following types of an official identification? Passport 3002 1 Yes 2 No DG5.2. Do you have any of the following types of an official identification? Passport DG5.3. Do you have any of the following types of an official identification? Dri DG5.3. Do you have any of the following types of an official identification? Dri DG5.3. Do you have any of the following types of an official identification? Dri DG5.3. Do you have any of the following types of an official identification? Dri DG5.3. Do you have any of the following types of an official identification? Dri Do you have any of the following types of an official identification? Driver's license 3002 1 Yes 2 No DG5.3. Do you have any of the following types of an official identification? Driver's license DG5.4. Do you have any of the following types of an official identification? Sch DG5.4. Do you have any of the following types of an official identification? Sch DG5.4. Do you have any of the following types of an official identification? Sch DG5.4. Do you have any of the following types of an official identification? Sch DG5.4. Do you have any of the following types of an official identification? Sch Do you have any of the following types of an official identification? School-issued ID 3002 1 Yes 2 No DG5.4. Do you have any of the following types of an official identification? School-issued ID DG5.5. Do you have any of the following types of an official identification? Vot DG5.5. Do you have any of the following types of an official identification? Vot DG5.5. Do you have any of the following types of an official identification? Vot DG5.5. Do you have any of the following types of an official identification? Vot DG5.5. Do you have any of the following types of an official identification? Vot Do you have any of the following types of an official identification? Voters card 3002 1 Yes 2 No DG5.5. Do you have any of the following types of an official identification? Voters card DG5.6. Do you have any of the following types of an official identification? Emp DG5.6. Do you have any of the following types of an official identification? Emp DG5.6. Do you have any of the following types of an official identification? Emp DG5.6. Do you have any of the following types of an official identification? Emp DG5.6. Do you have any of the following types of an official identification? Emp Do you have any of the following types of an official identification? Employee ID (For Government / Civil Servants) 3002 1 Yes 2 No DG5.6. Do you have any of the following types of an official identification? Employee ID (For Government / Civil Servants) DG5.7. Do you have any of the following types of an official identification? Mil DG5.7. Do you have any of the following types of an official identification? Mil DG5.7. Do you have any of the following types of an official identification? Mil DG5.7. Do you have any of the following types of an official identification? Mil DG5.7. Do you have any of the following types of an official identification? Mil Do you have any of the following types of an official identification? Military ID 3002 1 Yes 2 No DG5.7. Do you have any of the following types of an official identification? Military ID DG5.8. Do you have any of the following types of an official identification? Bir DG5.8. Do you have any of the following types of an official identification? Bir DG5.8. Do you have any of the following types of an official identification? Bir DG5.8. Do you have any of the following types of an official identification? Bir DG5.8. Do you have any of the following types of an official identification? Bir Do you have any of the following types of an official identification? Birth Certificate 3002 1 Yes 2 No DG5.8. Do you have any of the following types of an official identification? Birth Certificate DG5.9. Do you have any of the following types of an official identification? Oth DG5.9. Do you have any of the following types of an official identification? Oth DG5.9. Do you have any of the following types of an official identification? Oth DG5.9. Do you have any of the following types of an official identification? Oth DG5.9. Do you have any of the following types of an official identification? Oth Do you have any of the following types of an official identification? Other (Specify) 3002 1 Yes 2 No DG5.9. Do you have any of the following types of an official identification? Other DL1. In the past 12 months, were you mainly...? DL1. In the past 12 months, were you mainly...? DL1. In the past 12 months, were you mainly...? DL1. In the past 12 months, were you mainly...? DL1. In the past 12 months, were you mainly...? In the past 12 months, were you mainly… (READ OUT OPTIONS BELOW)? 3002 1 Working full-time for a regular salary 2 Working part-time for a regular salary 3 Working occasionally, irregular pay 4 Self-employed, working for yourself 5 Not working but looking for a job 6 Housewife, doing household chores 7 Full-time student 8 Not working because of retirement 9 Not working because of sickness, disability, etc. 10 Other 11 DK/Refused DL2. What is your primary job (i.e., the job where you spend most of your time)? DL2. What is your primary job (i.e., the job where you spend most of your time)? DL2. What is your primary job (i.e., the job where you spend most of your time)? DL2. What is your primary job (i.e., the job where you spend most of your time)? DL2. What is your primary job (i.e., the job where you spend most of your time)? What is your primary job (i.e., the job where you spend most of your time)? 1911 1091 1 Farm owner 2 Farm worker 3 Public or health service worker (non-professional) 4 Professional, i.e., doctor, teacher, nurse 5 Clerk 6 Carpenter/mason 7 Mechanic 8 Electrician 9 Cleaner/house help 10 Waiter/cook 11 Driver, including public transport (tro-tro, bus, etc.) 12 Tailor 13 Secretary 14 Manager 15 Watchman/security/caretaker 16 Messenger 17 Policeman/police reserve 18 Bus/Train conductor 19 Factory employee 20 Shop owner 21 Salesperson in a store 22 Street vendor/hawker (selling groceries) 23 Business owner 24 Salonist 25 Money lender 26 Landlord/Landlady 27 Miner (gold, sand, coal, oil, etc.) 28 Military 29 Occasional worker with no occupation 30 Other 31 Refused/prefer not to say Sysmiss DL3.1. What is your secondary or side job? If you have more than one secondary j DL3.1. What is your secondary or side job? If you have more than one secondary j DL3.1. What is your secondary or side job? If you have more than one secondary j DL3.1. What is your secondary or side job? If you have more than one secondary j DL3.1. What is your secondary or side job? If you have more than one secondary j What is your secondary or side job? If you have more than one secondary job, list all of them. Farm owner 1911 1091 1 Yes 2 No Sysmiss DL3.1. What is your secondary or side job? If you have more than one secondary job, list all of them. Farm owner DL3.2. What is your secondary or side job? If you have more than one secondary j DL3.2. What is your secondary or side job? If you have more than one secondary j DL3.2. What is your secondary or side job? If you have more than one secondary j DL3.2. What is your secondary or side job? If you have more than one secondary j DL3.2. What is your secondary or side job? If you have more than one secondary j What is your secondary or side job? If you have more than one secondary job, list all of them. Farm worker 1911 1091 1 Yes 2 No Sysmiss DL3.2. What is your secondary or side job? If you have more than one secondary job, list all of them. Farm worker DL3.3. What is your secondary or side job? If you have more than one secondary j DL3.3. What is your secondary or side job? If you have more than one secondary j DL3.3. What is your secondary or side job? If you have more than one secondary j DL3.3. What is your secondary or side job? If you have more than one secondary j DL3.3. What is your secondary or side job? If you have more than one secondary j What is your secondary or side job? If you have more than one secondary job, list all of them. Public or health service worker (non-professional) 1911 1091 1 Yes 2 No Sysmiss DL3.3. What is your secondary or side job? If you have more than one secondary job, list all of them. Public or health service worker(non-professional) DL3.4. What is your secondary or side job? If you have more than one secondary j DL3.4. What is your secondary or side job? If you have more than one secondary j DL3.4. What is your secondary or side job? If you have more than one secondary j DL3.4. What is your secondary or side job? If you have more than one secondary j DL3.4. What is your secondary or side job? If you have more than one secondary j What is your secondary or side job? If you have more than one secondary job, list all of them. Professional, i.e., doctor, teacher, nurse (specify) 1911 1091 1 Yes 2 No Sysmiss DL3.4. What is your secondary or side job? If you have more than one secondary job, list all of them. Professional, i.e., doctor, teacher, nurse DL3.5. What is your secondary or side job? If you have more than one secondary j DL3.5. What is your secondary or side job? If you have more than one secondary j DL3.5. What is your secondary or side job? If you have more than one secondary j DL3.5. What is your secondary or side job? If you have more than one secondary j DL3.5. What is your secondary or side job? If you have more than one secondary j What is your secondary or side job? If you have more than one secondary job, list all of them. Clerk 1911 1091 1 Yes 2 No Sysmiss DL3.5. What is your secondary or side job? If you have more than one secondary job, list all of them. Clerk DL3.6. What is your secondary or side job? If you have more than one secondary j DL3.6. What is your secondary or side job? If you have more than one secondary j DL3.6. What is your secondary or side job? If you have more than one secondary j DL3.6. What is your secondary or side job? If you have more than one secondary j DL3.6. What is your secondary or side job? If you have more than one secondary j What is your secondary or side job? If you have more than one secondary job, list all of them. Carpenter/mason 1911 1091 1 Yes 2 No Sysmiss DL3.6. What is your secondary or side job? If you have more than one secondary job, list all of them. Carpenter/mason DL3.7. What is your secondary or side job? If you have more than one secondary j DL3.7. What is your secondary or side job? If you have more than one secondary j DL3.7. What is your secondary or side job? If you have more than one secondary j DL3.7. What is your secondary or side job? If you have more than one secondary j DL3.7. What is your secondary or side job? If you have more than one secondary j What is your secondary or side job? If you have more than one secondary job, list all of them. Mechanic 1911 1091 1 Yes 2 No Sysmiss DL3.7. What is your secondary or side job? If you have more than one secondary job, list all of them. Mechanic DL3.8. What is your secondary or side job? If you have more than one secondary j DL3.8. What is your secondary or side job? If you have more than one secondary j DL3.8. What is your secondary or side job? If you have more than one secondary j DL3.8. What is your secondary or side job? If you have more than one secondary j DL3.8. What is your secondary or side job? If you have more than one secondary j What is your secondary or side job? If you have more than one secondary job, list all of them. Electrician 1911 1091 1 Yes 2 No Sysmiss DL3.8. What is your secondary or side job? If you have more than one secondary job, list all of them. Electrician DL3.9. What is your secondary or side job? If you have more than one secondary j DL3.9. What is your secondary or side job? If you have more than one secondary j DL3.9. What is your secondary or side job? If you have more than one secondary j DL3.9. What is your secondary or side job? If you have more than one secondary j DL3.9. What is your secondary or side job? If you have more than one secondary j What is your secondary or side job? If you have more than one secondary job, list all of them. Cleaner/house help 1911 1091 1 Yes 2 No Sysmiss DL3.9. What is your secondary or side job? If you have more than one secondary job, list all of them. Cleaner/ house help DL3.10. What is your secondary or side job? If you have more than one secondary DL3.10. What is your secondary or side job? If you have more than one secondary DL3.10. What is your secondary or side job? If you have more than one secondary DL3.10. What is your secondary or side job? If you have more than one secondary DL3.10. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Waiter/cook 1911 1091 1 Yes 2 No Sysmiss DL3.10. What is your secondary or side job? If you have more than one secondary job, list all of them. Waiter/cook DL3.11. What is your secondary or side job? If you have more than one secondary DL3.11. What is your secondary or side job? If you have more than one secondary DL3.11. What is your secondary or side job? If you have more than one secondary DL3.11. What is your secondary or side job? If you have more than one secondary DL3.11. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Driver, including public transport (moto-taxi, bus, etc.) 1911 1091 1 Yes 2 No Sysmiss DL3.11. What is your secondary or side job? If you have more than one secondary job, list all of them. Driver,Including public tranport(tro-tro,bus,etc) DL3.12. What is your secondary or side job? If you have more than one secondary DL3.12. What is your secondary or side job? If you have more than one secondary DL3.12. What is your secondary or side job? If you have more than one secondary DL3.12. What is your secondary or side job? If you have more than one secondary DL3.12. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Tailor 1911 1091 1 Yes 2 No Sysmiss DL3.12. What is your secondary or side job? If you have more than one secondary job, list all of them. Tailor DL3.13. What is your secondary or side job? If you have more than one secondary DL3.13. What is your secondary or side job? If you have more than one secondary DL3.13. What is your secondary or side job? If you have more than one secondary DL3.13. What is your secondary or side job? If you have more than one secondary DL3.13. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Secretary 1911 1091 1 Yes 2 No Sysmiss DL3.13. What is your secondary or side job? If you have more than one secondary job, list all of them. Secretary DL3.14. What is your secondary or side job? If you have more than one secondary DL3.14. What is your secondary or side job? If you have more than one secondary DL3.14. What is your secondary or side job? If you have more than one secondary DL3.14. What is your secondary or side job? If you have more than one secondary DL3.14. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Manager 1911 1091 1 Yes 2 No Sysmiss DL3.14. What is your secondary or side job? If you have more than one secondary job, list all of them. Manager DL3.15. What is your secondary or side job? If you have more than one secondary DL3.15. What is your secondary or side job? If you have more than one secondary DL3.15. What is your secondary or side job? If you have more than one secondary DL3.15. What is your secondary or side job? If you have more than one secondary DL3.15. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Watchman/security/caretaker 1911 1091 1 Yes 2 No Sysmiss DL3.15. What is your secondary or side job? If you have more than one secondary job, list all of them. Watchman/Security/caretaker DL3.16. What is your secondary or side job? If you have more than one secondary DL3.16. What is your secondary or side job? If you have more than one secondary DL3.16. What is your secondary or side job? If you have more than one secondary DL3.16. What is your secondary or side job? If you have more than one secondary DL3.16. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Messenger 1911 1091 1 Yes 2 No Sysmiss DL3.16. What is your secondary or side job? If you have more than one secondary job, list all of them. Messenger DL3.17. What is your secondary or side job? If you have more than one secondary DL3.17. What is your secondary or side job? If you have more than one secondary DL3.17. What is your secondary or side job? If you have more than one secondary DL3.17. What is your secondary or side job? If you have more than one secondary DL3.17. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Policeman/police reserve 1911 1091 1 Yes 2 No Sysmiss DL3.17. What is your secondary or side job? If you have more than one secondary job, list all of them. Policeman/police reserve DL3.18. What is your secondary or side job? If you have more than one secondary DL3.18. What is your secondary or side job? If you have more than one secondary DL3.18. What is your secondary or side job? If you have more than one secondary DL3.18. What is your secondary or side job? If you have more than one secondary DL3.18. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Bus/Train conductor 1911 1091 1 Yes 2 No Sysmiss DL3.18. What is your secondary or side job? If you have more than one secondary job, list all of them. Bus/train Conductor DL3.19. What is your secondary or side job? If you have more than one secondary DL3.19. What is your secondary or side job? If you have more than one secondary DL3.19. What is your secondary or side job? If you have more than one secondary DL3.19. What is your secondary or side job? If you have more than one secondary DL3.19. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Factory employee 1911 1091 1 Yes 2 No Sysmiss DL3.19. What is your secondary or side job? If you have more than one secondary job, list all of them. Factory employee DL3.20. What is your secondary or side job? If you have more than one secondary DL3.20. What is your secondary or side job? If you have more than one secondary DL3.20. What is your secondary or side job? If you have more than one secondary DL3.20. What is your secondary or side job? If you have more than one secondary DL3.20. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Shop owner 1911 1091 1 Yes 2 No Sysmiss DL3.20. What is your secondary or side job? If you have more than one secondary job, list all of them. Shop owner DL3.21. What is your secondary or side job? If you have more than one secondary DL3.21. What is your secondary or side job? If you have more than one secondary DL3.21. What is your secondary or side job? If you have more than one secondary DL3.21. What is your secondary or side job? If you have more than one secondary DL3.21. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Salesperson in a store 1911 1091 1 Yes 2 No Sysmiss DL3.21. What is your secondary or side job? If you have more than one secondary job, list all of them. Salesperson in a store DL3.22. What is your secondary or side job? If you have more than one secondary DL3.22. What is your secondary or side job? If you have more than one secondary DL3.22. What is your secondary or side job? If you have more than one secondary DL3.22. What is your secondary or side job? If you have more than one secondary DL3.22. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Street vendor/hawker (selling groceries, mama mboga) 1911 1091 1 Yes 2 No Sysmiss DL3.22. What is your secondary or side job? If you have more than one secondary job, list all of them. Street vendor/hawker(selling groceries) DL3.23. What is your secondary or side job? If you have more than one secondary DL3.23. What is your secondary or side job? If you have more than one secondary DL3.23. What is your secondary or side job? If you have more than one secondary DL3.23. What is your secondary or side job? If you have more than one secondary DL3.23. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Business owner (specify below) 1911 1091 1 Yes 2 No Sysmiss DL3.23. What is your secondary or side job? If you have more than one secondary job, list all of them. Business owner DL3.24. What is your secondary or side job? If you have more than one secondary DL3.24. What is your secondary or side job? If you have more than one secondary DL3.24. What is your secondary or side job? If you have more than one secondary DL3.24. What is your secondary or side job? If you have more than one secondary DL3.24. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Salonist 1911 1091 1 Yes 2 No Sysmiss DL3.24. What is your secondary or side job? If you have more than one secondary job, list all of them. Salonist DL3.25. What is your secondary or side job? If you have more than one secondary DL3.25. What is your secondary or side job? If you have more than one secondary DL3.25. What is your secondary or side job? If you have more than one secondary DL3.25. What is your secondary or side job? If you have more than one secondary DL3.25. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Money lender 1911 1091 1 Yes 2 No Sysmiss DL3.25. What is your secondary or side job? If you have more than one secondary job, list all of them. Money lender DL3.26. What is your secondary or side job? If you have more than one secondary DL3.26. What is your secondary or side job? If you have more than one secondary DL3.26. What is your secondary or side job? If you have more than one secondary DL3.26. What is your secondary or side job? If you have more than one secondary DL3.26. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Landlord/Landlady 1911 1091 1 Yes 2 No Sysmiss DL3.26. What is your secondary or side job? If you have more than one secondary job, list all of them. Landlord/ Landlady DL3.27. What is your secondary or side job? If you have more than one secondary DL3.27. What is your secondary or side job? If you have more than one secondary DL3.27. What is your secondary or side job? If you have more than one secondary DL3.27. What is your secondary or side job? If you have more than one secondary DL3.27. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Miner (gold, sand, coal, oil, etc.) 1911 1091 1 Yes 2 No Sysmiss DL3.27. What is your secondary or side job? If you have more than one secondary job, list all of them. Miner(gold,sand,coal,oil,etc.) DL3.28. What is your secondary or side job? If you have more than one secondary DL3.28. What is your secondary or side job? If you have more than one secondary DL3.28. What is your secondary or side job? If you have more than one secondary DL3.28. What is your secondary or side job? If you have more than one secondary DL3.28. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Military 1911 1091 1 Yes 2 No Sysmiss DL3.28. What is your secondary or side job? If you have more than one secondary job, list all of them. Military DL3.29. What is your secondary or side job? If you have more than one secondary DL3.29. What is your secondary or side job? If you have more than one secondary DL3.29. What is your secondary or side job? If you have more than one secondary DL3.29. What is your secondary or side job? If you have more than one secondary DL3.29. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Occasional worker with no occupation 1911 1091 1 Yes 2 No Sysmiss DL3.29. What is your secondary or side job? If you have more than one secondary job, list all of them. Occasional worker with no occupation DL3.30. What is your secondary or side job? If you have more than one secondary DL3.30. What is your secondary or side job? If you have more than one secondary DL3.30. What is your secondary or side job? If you have more than one secondary DL3.30. What is your secondary or side job? If you have more than one secondary DL3.30. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Other (specify in row) 1911 1091 1 Yes 2 No Sysmiss DL3.30. What is your secondary or side job? If you have more than one secondary job, list all of them. Other DL3.31. What is your secondary or side job? If you have more than one secondary DL3.31. What is your secondary or side job? If you have more than one secondary DL3.31. What is your secondary or side job? If you have more than one secondary DL3.31. What is your secondary or side job? If you have more than one secondary DL3.31. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. Refused/prefer not to say 1911 1091 1 Yes 2 No Sysmiss DL3.31. What is your secondary or side job? If you have more than one secondary job, list all of them. NO secondary job DL3.32. What is your secondary or side job? If you have more than one secondary DL3.32. What is your secondary or side job? If you have more than one secondary DL3.32. What is your secondary or side job? If you have more than one secondary DL3.32. What is your secondary or side job? If you have more than one secondary DL3.32. What is your secondary or side job? If you have more than one secondary What is your secondary or side job? If you have more than one secondary job, list all of them. 1911 1091 1 Yes 2 No Sysmiss DL3.32. What is your secondary or side job? If you have more than one secondary job, list all of them.Refused/prefer not to say DL3A. Is your primary job working for the government? DL3A. Is your primary job working for the government? DL3A. Is your primary job working for the government? DL3A. Is your primary job working for the government? DL3A. Is your primary job working for the government? Is your primary job or secondary job working for the government? 1911 1091 1 Primary job 2 Secondary job 3 Primary and secondary job 4 Neither Sysmiss DL4.1. Do you supplement your income by any of the following? Student scholarshi DL4.1. Do you supplement your income by any of the following? Student scholarshi DL4.1. Do you supplement your income by any of the following? Student scholarshi DL4.1. Do you supplement your income by any of the following? Student scholarshi DL4.1. Do you supplement your income by any of the following? Student scholarshi Do you supplement your income by any of the following? Student scholarship 1911 1091 1 Yes 2 No Sysmiss DL4.1. Do you supplement your income by any of the following? Student scholarship DL4.2. Do you supplement your income by any of the following? Government pension DL4.2. Do you supplement your income by any of the following? Government pension DL4.2. Do you supplement your income by any of the following? Government pension DL4.2. Do you supplement your income by any of the following? Government pension DL4.2. Do you supplement your income by any of the following? Government pension Do you supplement your income by any of the following? Government pension 1911 1091 1 Yes 2 No Sysmiss DL4.3. Do you supplement your income by any of the following? Pension from a non DL4.3. Do you supplement your income by any of the following? Pension from a non DL4.3. Do you supplement your income by any of the following? Pension from a non DL4.3. Do you supplement your income by any of the following? Pension from a non DL4.3. Do you supplement your income by any of the following? Pension from a non Do you supplement your income by any of the following? Pension from a non-government agency 1911 1091 1 Yes 2 No Sysmiss DL4.3. Do you supplement your income by any of the following? Pension from a non-government agency DL4.4. Do you supplement your income by any of the following? Transfers/upkeep m DL4.4. Do you supplement your income by any of the following? Transfers/upkeep m DL4.4. Do you supplement your income by any of the following? Transfers/upkeep m DL4.4. Do you supplement your income by any of the following? Transfers/upkeep m DL4.4. Do you supplement your income by any of the following? Transfers/upkeep m Do you supplement your income by any of the following? Transfers/upkeep money or in-kind support from a spouse 1911 1091 1 Yes 2 No Sysmiss DL4.4. Do you supplement your income by any of the following? Transfers/upkeep money or in-kind support from a spouse DL4.5. Do you supplement your income by any of the following? Transfers/upkeep m DL4.5. Do you supplement your income by any of the following? Transfers/upkeep m DL4.5. Do you supplement your income by any of the following? Transfers/upkeep m DL4.5. Do you supplement your income by any of the following? Transfers/upkeep m DL4.5. Do you supplement your income by any of the following? Transfers/upkeep m Do you supplement your income by any of the following? Transfers/upkeep money or in-kind support from parents 1911 1091 1 Yes 2 No Sysmiss DL4.5. Do you supplement your income by any of the following? Transfers/upkeep money or in-kind support from parents DL4.6. Do you supplement your income by any of the following? Transfers/upkeep m DL4.6. Do you supplement your income by any of the following? Transfers/upkeep m DL4.6. Do you supplement your income by any of the following? Transfers/upkeep m DL4.6. Do you supplement your income by any of the following? Transfers/upkeep m DL4.6. Do you supplement your income by any of the following? Transfers/upkeep m Do you supplement your income by any of the following? Transfers/upkeep money or in-kind support from a child (children) 1911 1091 1 Yes 2 No Sysmiss DL4.6. Do you supplement your income by any of the following? Transfers/upkeep money or in-kind support from a child (children) DL4.7. Do you supplement your income by any of the following? Remittances/moneta DL4.7. Do you supplement your income by any of the following? Remittances/moneta DL4.7. Do you supplement your income by any of the following? Remittances/moneta DL4.7. Do you supplement your income by any of the following? Remittances/moneta DL4.7. Do you supplement your income by any of the following? Remittances/moneta Do you supplement your income by any of the following? Remittances/monetary or other help from other family members (siblings, cousins, etc.), relatives or friends 1911 1091 1 Yes 2 No Sysmiss DL4.7. Do you supplement your income by any of the following? Remittances/monetary or other help from other family members (siblings, cousins, etc.), relatives or friends DL4.8. Do you supplement your income by any of the following? Savings DL4.8. Do you supplement your income by any of the following? Savings DL4.8. Do you supplement your income by any of the following? Savings DL4.8. Do you supplement your income by any of the following? Savings DL4.8. Do you supplement your income by any of the following? Savings Do you supplement your income by any of the following? Savings 1911 1091 1 Yes 2 No Sysmiss DL4.9. Do you supplement your income by any of the following? Interest on stock DL4.9. Do you supplement your income by any of the following? Interest on stock DL4.9. Do you supplement your income by any of the following? Interest on stock DL4.9. Do you supplement your income by any of the following? Interest on stock DL4.9. Do you supplement your income by any of the following? Interest on stock Do you supplement your income by any of the following? Interest on stock and shares 1911 1091 1 Yes 2 No Sysmiss DL4.9. Do you supplement your income by any of the following? Interest on stock and shares DL4.10. Do you supplement your income by any of the following? Government welfar DL4.10. Do you supplement your income by any of the following? Government welfar DL4.10. Do you supplement your income by any of the following? Government welfar DL4.10. Do you supplement your income by any of the following? Government welfar DL4.10. Do you supplement your income by any of the following? Government welfar Do you supplement your income by any of the following? Government welfare (including children benefits, disability payments, war veteran benefits, etc.) 1911 1091 1 Yes 2 No Sysmiss DL4.10. Do you supplement your income by any of the following? Government welfare (including children benefits, disability payments, war veteran benefits, etc.) DL4.11. Do you supplement your income by any of the following? Other government DL4.11. Do you supplement your income by any of the following? Other government DL4.11. Do you supplement your income by any of the following? Other government DL4.11. Do you supplement your income by any of the following? Other government DL4.11. Do you supplement your income by any of the following? Other government Do you supplement your income by any of the following? Other government benefits 1911 1091 1 Yes 2 No Sysmiss DL4.11. Do you supplement your income by any of the following? Other government benefits DL4.12. Do you supplement your income by any of the following? Other donor/NGO b DL4.12. Do you supplement your income by any of the following? Other donor/NGO b DL4.12. Do you supplement your income by any of the following? Other donor/NGO b DL4.12. Do you supplement your income by any of the following? Other donor/NGO b DL4.12. Do you supplement your income by any of the following? Other donor/NGO b Do you supplement your income by any of the following? Other donor/NGO benefits 1911 1091 1 Yes 2 No Sysmiss DL4.12. Do you supplement your income by any of the following? Other donor/NGO benefits DL4.13. Do you supplement your income by any of the following? Occasional paid a DL4.13. Do you supplement your income by any of the following? Occasional paid a DL4.13. Do you supplement your income by any of the following? Occasional paid a DL4.13. Do you supplement your income by any of the following? Occasional paid a DL4.13. Do you supplement your income by any of the following? Occasional paid a Do you supplement your income by any of the following? Occasional paid assignments, labor for hire 1911 1091 1 Yes 2 No Sysmiss DL4.13. Do you supplement your income by any of the following? Occasional paid assignments, labor for hire DL4.14. Do you supplement your income by any of the following? Occasionally sell DL4.14. Do you supplement your income by any of the following? Occasionally sell DL4.14. Do you supplement your income by any of the following? Occasionally sell DL4.14. Do you supplement your income by any of the following? Occasionally sell DL4.14. Do you supplement your income by any of the following? Occasionally sell Do you supplement your income by any of the following? Occasionally sell my belongings 1911 1091 1 Yes 2 No Sysmiss DL4.14. Do you supplement your income by any of the following? Occasionally sell my belongings DL4.15. Do you supplement your income by any of the following? Occasionally grow DL4.15. Do you supplement your income by any of the following? Occasionally grow DL4.15. Do you supplement your income by any of the following? Occasionally grow DL4.15. Do you supplement your income by any of the following? Occasionally grow DL4.15. Do you supplement your income by any of the following? Occasionally grow Do you supplement your income by any of the following? Occasionally grow and/or sell agricultural products 1911 1091 1 Yes 2 No Sysmiss DL4.15. Do you supplement your income by any of the following? Occasionally grow and/or sell agricultural products DL4.16. Do you supplement your income by any of the following? Government resear DL4.16. Do you supplement your income by any of the following? Government resear DL4.16. Do you supplement your income by any of the following? Government resear DL4.16. Do you supplement your income by any of the following? Government resear DL4.16. Do you supplement your income by any of the following? Government resear Do you supplement your income by any of the following? Government research, business start-up or other type of grant 1911 1091 1 Yes 2 No Sysmiss DL4.16. Do you supplement your income by any of the following? Government research, business start-up or other type of grant DL4.17. Do you supplement your income by any of the following? Other DL4.17. Do you supplement your income by any of the following? Other DL4.17. Do you supplement your income by any of the following? Other DL4.17. Do you supplement your income by any of the following? Other DL4.17. Do you supplement your income by any of the following? Other Do you supplement your income by any of the following? Other (Specify) 1911 1091 1 Yes 2 No Sysmiss DL4.18. Do you supplement your income by any of the following? None/I do not hav DL4.18. Do you supplement your income by any of the following? None/I do not hav DL4.18. Do you supplement your income by any of the following? None/I do not hav DL4.18. Do you supplement your income by any of the following? None/I do not hav DL4.18. Do you supplement your income by any of the following? None/I do not hav Do you supplement your income by any of the following? None/I do not have any additional income (SINGLE ANSWER) 1911 1091 1 Yes 2 No Sysmiss DL4.18. Do you supplement your income by any of the following? None/I do not have any additional income DL4.19. Do you supplement your income by any of the following? Refused DL4.19. Do you supplement your income by any of the following? Refused DL4.19. Do you supplement your income by any of the following? Refused DL4.19. Do you supplement your income by any of the following? Refused DL4.19. Do you supplement your income by any of the following? Refused Do you supplement your income by any of the following? Refused (SINGLE ANSWER) 1911 1091 1 Yes 2 No Sysmiss DL5. You said you did not have a regular job/were not working in the past 12 mon DL5. You said you did not have a regular job/were not working in the past 12 mon DL5. You said you did not have a regular job/were not working in the past 12 mon DL5. You said you did not have a regular job/were not working in the past 12 mon DL5. You said you did not have a regular job/were not working in the past 12 mon You said you did not have a regular job/were not working in the past 12 months. What is your main source of money for daily expenses? 1081 1921 1 Student scholarship 2 Government pension 3 Pension from a non-government agency 4 Transfers/upkeep money or in-kind support from a spouse 5 Transfers/upkeep money or in-kind support from parents 6 Transfers/upkeep money or in-kind support from a child (children) 7 Remittances/monetary or other help from other family members (siblings, cousins, etc.), relatives or friends 8 Savings 9 Interest on stock and shares 10 Government welfare (including children benefits, disability payments, war veteran benefits, etc.) 11 Other government benefits 12 Other donor/NGO benefits 13 Occasional paid assignments, labor for hire 14 Occasionally sell my belongings 15 Occasionally grow and/or sell agricultural products 16 Government research, business start-up or other type of grant 17 Other 18 None/I do not have any income 19 Refused Sysmiss DL5. You said you did not have a regular job/were not working in the past 12 months. What is your main source of money for daily expenses? DL6.1. What are your other/secondary sources of money? Student scholarship DL6.1. What are your other/secondary sources of money? Student scholarship DL6.1. What are your other/secondary sources of money? Student scholarship DL6.1. What are your other/secondary sources of money? Student scholarship DL6.1. What are your other/secondary sources of money? Student scholarship What are your other/secondary sources of money? Student scholarship 1081 1921 1 Yes 2 No Sysmiss DL6.2. What are your other/secondary sources of money? Government pension DL6.2. What are your other/secondary sources of money? Government pension DL6.2. What are your other/secondary sources of money? Government pension DL6.2. What are your other/secondary sources of money? Government pension DL6.2. What are your other/secondary sources of money? Government pension What are your other/secondary sources of money? Government pension 1081 1921 1 Yes 2 No Sysmiss DL6.3. What are your other/secondary sources of money? Pension from a non-govern DL6.3. What are your other/secondary sources of money? Pension from a non-govern DL6.3. What are your other/secondary sources of money? Pension from a non-govern DL6.3. What are your other/secondary sources of money? Pension from a non-govern DL6.3. What are your other/secondary sources of money? Pension from a non-govern What are your other/secondary sources of money? Pension from a non-government agency 1081 1921 1 Yes 2 No Sysmiss DL6.3. What are your other/secondary sources of money? Pension from a non-government agency DL6.4. What are your other/secondary sources of money? Transfers/upkeep money or DL6.4. What are your other/secondary sources of money? Transfers/upkeep money or DL6.4. What are your other/secondary sources of money? Transfers/upkeep money or DL6.4. What are your other/secondary sources of money? Transfers/upkeep money or DL6.4. What are your other/secondary sources of money? Transfers/upkeep money or What are your other/secondary sources of money? Transfers/upkeep money or in-kind support from a spouse 1081 1921 1 Yes 2 No Sysmiss DL6.4. What are your other/secondary sources of money? Transfers/upkeep money or in-kind support from a spouse DL6.5. What are your other/secondary sources of money? Transfers/upkeep money or DL6.5. What are your other/secondary sources of money? Transfers/upkeep money or DL6.5. What are your other/secondary sources of money? Transfers/upkeep money or DL6.5. What are your other/secondary sources of money? Transfers/upkeep money or DL6.5. What are your other/secondary sources of money? Transfers/upkeep money or What are your other/secondary sources of money? Transfers/upkeep money or in-kind support from parents 1081 1921 1 Yes 2 No Sysmiss DL6.5. What are your other/secondary sources of money? Transfers/upkeep money or in-kind support from parents DL6.6. What are your other/secondary sources of money? Transfers/upkeep money or DL6.6. What are your other/secondary sources of money? Transfers/upkeep money or DL6.6. What are your other/secondary sources of money? Transfers/upkeep money or DL6.6. What are your other/secondary sources of money? Transfers/upkeep money or DL6.6. What are your other/secondary sources of money? Transfers/upkeep money or What are your other/secondary sources of money? Transfers/upkeep money or in-kind support from a child (children) 1081 1921 1 Yes 2 No Sysmiss DL6.6. What are your other/secondary sources of money? Transfers/upkeep money or in-kind support from a child (children) DL6.7. What are your other/secondary sources of money? Remittances/monetary or o DL6.7. What are your other/secondary sources of money? Remittances/monetary or o DL6.7. What are your other/secondary sources of money? Remittances/monetary or o DL6.7. What are your other/secondary sources of money? Remittances/monetary or o DL6.7. What are your other/secondary sources of money? Remittances/monetary or o What are your other/secondary sources of money? Remittances/monetary or other help from other family members (siblings, cousins, etc.), relatives or friends 1081 1921 1 Yes 2 No Sysmiss DL6.7. What are your other/secondary sources of money? Remittances/monetary or other help from other family members (siblings, cousins, etc.), relatives or friends DL6.8. What are your other/secondary sources of money? Savings DL6.8. What are your other/secondary sources of money? Savings DL6.8. What are your other/secondary sources of money? Savings DL6.8. What are your other/secondary sources of money? Savings DL6.8. What are your other/secondary sources of money? Savings What are your other/secondary sources of money? Savings 1081 1921 1 Yes 2 No Sysmiss DL6.9. What are your other/secondary sources of money? Interest on stock and sha DL6.9. What are your other/secondary sources of money? Interest on stock and sha DL6.9. What are your other/secondary sources of money? Interest on stock and sha DL6.9. What are your other/secondary sources of money? Interest on stock and sha DL6.9. What are your other/secondary sources of money? Interest on stock and sha What are your other/secondary sources of money? Interest on stock and shares 1081 1921 1 Yes 2 No Sysmiss DL6.9. What are your other/secondary sources of money? Interest on stock and shares DL6.10. What are your other/secondary sources of money? Government welfare (incl DL6.10. What are your other/secondary sources of money? Government welfare (incl DL6.10. What are your other/secondary sources of money? Government welfare (incl DL6.10. What are your other/secondary sources of money? Government welfare (incl DL6.10. What are your other/secondary sources of money? Government welfare (incl What are your other/secondary sources of money? Government welfare (including children benefits, disability payments, war veteran benefits, etc.) 1081 1921 1 Yes 2 No Sysmiss DL6.10. What are your other/secondary sources of money? Government welfare (including children benefits, disability payments, war veteran benefits, etc.) DL6.11. What are your other/secondary sources of money? Other government benefit DL6.11. What are your other/secondary sources of money? Other government benefit DL6.11. What are your other/secondary sources of money? Other government benefit DL6.11. What are your other/secondary sources of money? Other government benefit DL6.11. What are your other/secondary sources of money? Other government benefit What are your other/secondary sources of money? Other government benefits 1081 1921 1 Yes 2 No Sysmiss DL6.11. What are your other/secondary sources of money? Other government benefits DL6.12. What are your other/secondary sources of money? Other donor/NGO benefits DL6.12. What are your other/secondary sources of money? Other donor/NGO benefits DL6.12. What are your other/secondary sources of money? Other donor/NGO benefits DL6.12. What are your other/secondary sources of money? Other donor/NGO benefits DL6.12. What are your other/secondary sources of money? Other donor/NGO benefits What are your other/secondary sources of money? Other donor/NGO benefits 1081 1921 1 Yes 2 No Sysmiss DL6.13. What are your other/secondary sources of money? Occasional paid assignme DL6.13. What are your other/secondary sources of money? Occasional paid assignme DL6.13. What are your other/secondary sources of money? Occasional paid assignme DL6.13. What are your other/secondary sources of money? Occasional paid assignme DL6.13. What are your other/secondary sources of money? Occasional paid assignme What are your other/secondary sources of money? Occasional paid assignments, labor for hire 1081 1921 1 Yes 2 No Sysmiss DL6.13. What are your other/secondary sources of money? Occasional paid assignments, labor for hire DL6.14. What are your other/secondary sources of money? Occasionally sell my bel DL6.14. What are your other/secondary sources of money? Occasionally sell my bel DL6.14. What are your other/secondary sources of money? Occasionally sell my bel DL6.14. What are your other/secondary sources of money? Occasionally sell my bel DL6.14. What are your other/secondary sources of money? Occasionally sell my bel What are your other/secondary sources of money? Occasionally sell my belongings 1081 1921 1 Yes 2 No Sysmiss DL6.14. What are your other/secondary sources of money? Occasionally sell my belongings DL6.15. What are your other/secondary sources of money? Occasionally grow and/or DL6.15. What are your other/secondary sources of money? Occasionally grow and/or DL6.15. What are your other/secondary sources of money? Occasionally grow and/or DL6.15. What are your other/secondary sources of money? Occasionally grow and/or DL6.15. What are your other/secondary sources of money? Occasionally grow and/or What are your other/secondary sources of money? Occasionally grow and/or sell agricultural products 1081 1921 1 Yes 2 No Sysmiss DL6.15. What are your other/secondary sources of money? Occasionally grow and/or sell agricultural products DL6.18. What are your other/secondary sources of money? Government research, bus DL6.18. What are your other/secondary sources of money? Government research, bus DL6.18. What are your other/secondary sources of money? Government research, bus DL6.18. What are your other/secondary sources of money? Government research, bus DL6.18. What are your other/secondary sources of money? Government research, bus What are your other/secondary sources of money? Government research, business start-up or other type of grant 1081 1921 1 Yes 2 No Sysmiss DL6.18. What are your other/secondary sources of money? Government research, business start-up or other type of grant DL6.19. What are your other/secondary sources of money? Other DL6.19. What are your other/secondary sources of money? Other DL6.19. What are your other/secondary sources of money? Other DL6.19. What are your other/secondary sources of money? Other DL6.19. What are your other/secondary sources of money? Other What are your other/secondary sources of money? Other (Specify) 1081 1921 1 Yes 2 No Sysmiss DL6.20. What are your other/secondary sources of money? None/I do not have any i DL6.20. What are your other/secondary sources of money? None/I do not have any i DL6.20. What are your other/secondary sources of money? None/I do not have any i DL6.20. What are your other/secondary sources of money? None/I do not have any i DL6.20. What are your other/secondary sources of money? None/I do not have any i What are your other/secondary sources of money? None/I do not have any income (SINGLE ANSWER) 1081 1921 1 Yes 2 No Sysmiss DL6.20. What are your other/secondary sources of money? None/I do not have any income DL6.21. What are your other/secondary sources of money? Refused DL6.21. What are your other/secondary sources of money? Refused DL6.21. What are your other/secondary sources of money? Refused DL6.21. What are your other/secondary sources of money? Refused DL6.21. What are your other/secondary sources of money? Refused What are your other/secondary sources of money? Refused (SINGLE ANSWER) 1081 1921 1 Yes 2 No Sysmiss DL7.1. Do you generate main or additional income from any of the following sourc DL7.1. Do you generate main or additional income from any of the following sourc DL7.1. Do you generate main or additional income from any of the following sourc DL7.1. Do you generate main or additional income from any of the following sourc DL7.1. Do you generate main or additional income from any of the following sourc Do you generate main or additional income from any of the following sources: Grow something and sell it 3002 1 Yes 2 No DL7.1. Do you generate main or additional income from any of the following sources? Grow something and sell it DL7.2. Do you generate main or additional income from any of the following sourc DL7.2. Do you generate main or additional income from any of the following sourc DL7.2. Do you generate main or additional income from any of the following sourc DL7.2. Do you generate main or additional income from any of the following sourc DL7.2. Do you generate main or additional income from any of the following sourc Do you generate main or additional income from any of the following sources: Rear livestock/poultry/fish/bees and sell it or sell by-products of it 3002 1 Yes 2 No DL7.2. Do you generate main or additional income from any of the following sources? Rear livestock/poultry/fish/bees and sell it or sell by-products of it DL7.3. Do you generate main or additional income from any of the following sourc DL7.3. Do you generate main or additional income from any of the following sourc DL7.3. Do you generate main or additional income from any of the following sourc DL7.3. Do you generate main or additional income from any of the following sourc DL7.3. Do you generate main or additional income from any of the following sourc Do you generate main or additional income from any of the following sources: Buy/get agricultural products from farmers and process it/change it to another form (e.g., maize to flour) 3002 1 Yes 2 No DL7.3. Do you generate main or additional income from any of the following sources? Buy/get agricultural products from farmers and process it/change it to another form (e.g., maize to flour) DL7.4. Do you generate main or additional income from any of the following sourc DL7.4. Do you generate main or additional income from any of the following sourc DL7.4. Do you generate main or additional income from any of the following sourc DL7.4. Do you generate main or additional income from any of the following sourc DL7.4. Do you generate main or additional income from any of the following sourc Do you generate main or additional income from any of the following sources: Buy/get agricultural products from farmers/processors and sell it 3002 1 Yes 2 No DL7.4. Do you generate main or additional income from any of the following sources? Buy/get agricultural products from farmers/processors and sell it DL7.5. Do you generate main or additional income from any of the following sourc DL7.5. Do you generate main or additional income from any of the following sourc DL7.5. Do you generate main or additional income from any of the following sourc DL7.5. Do you generate main or additional income from any of the following sourc DL7.5. Do you generate main or additional income from any of the following sourc Do you generate main or additional income from any of the following sources: Sell something to farmers for the purpose of farming (e.g., seeds, fertilizers, equipment) 3002 1 Yes 2 No DL7.5. Do you generate main or additional income from any of the following sources? Sell something to farmers for the purpose of farming (e.g., seeds, fertilizers, equipment) DL7.6. Do you generate main or additional income from any of the following sourc DL7.6. Do you generate main or additional income from any of the following sourc DL7.6. Do you generate main or additional income from any of the following sourc DL7.6. Do you generate main or additional income from any of the following sourc DL7.6. Do you generate main or additional income from any of the following sourc Do you generate main or additional income from any of the following sources: Sell something to processors of farming products for the purpose of processing (packaging, machinery, chemicals) 3002 1 Yes 2 No DL7.6. Do you generate main or additional income from any of the following sources? Sell something to processors of farming products for the purpose of processing (packaging, machinery, chemicals) DL7.7. Do you generate main or additional income from any of the following sourc DL7.7. Do you generate main or additional income from any of the following sourc DL7.7. Do you generate main or additional income from any of the following sourc DL7.7. Do you generate main or additional income from any of the following sourc DL7.7. Do you generate main or additional income from any of the following sourc Do you generate main or additional income from any of the following sources: Make/manufacture something that is used for farming purposes or processing of farming products 3002 1 Yes 2 No DL7.7. Do you generate main or additional income from any of the following sources? Make/manufacture something that is used for farming purposes or processing of farming products DL7.8. Do you generate main or additional income from any of the following sourc DL7.8. Do you generate main or additional income from any of the following sourc DL7.8. Do you generate main or additional income from any of the following sourc DL7.8. Do you generate main or additional income from any of the following sourc DL7.8. Do you generate main or additional income from any of the following sourc Do you generate main or additional income from any of the following sources: Provide a service to farmers or processors of farming products (e.g., renting ploughs, tractors, other equipment) 3002 1 Yes 2 No DL7.8. Do you generate main or additional income from any of the following sources? Provide a service to farmers or processors of farming products (e.g., renting ploughs, tractors, other equipment) DL7.9. Do you generate main or additional income from any of the following sourc DL7.9. Do you generate main or additional income from any of the following sourc DL7.9. Do you generate main or additional income from any of the following sourc DL7.9. Do you generate main or additional income from any of the following sourc DL7.9. Do you generate main or additional income from any of the following sourc Do you generate main or additional income from any of the following sources: Rent land to farmers for farming purposes 3002 1 Yes 2 No DL7.9. Do you generate main or additional income from any of the following sources? Rent land to farmers for farming purposes DL8. In the past 12 months, how many times did you move from one home to another DL8. In the past 12 months, how many times did you move from one home to another DL8. In the past 12 months, how many times did you move from one home to another DL8. In the past 12 months, how many times did you move from one home to another DL8. In the past 12 months, how many times did you move from one home to another In the past 12 months, how many times did you move from one home to another? 3002 -99 15 DL8. In the past 12 months, how many times did you move from one home to another? (-99 for DK/Refused) DL9. What was the main reason you moved? DL9. What was the main reason you moved? DL9. What was the main reason you moved? DL9. What was the main reason you moved? DL9. What was the main reason you moved? What was the main reason you moved? 261 2741 1 Natural disaster (hurricane, earthquake or flood) destroyed my home 2 I could not afford rent, moved to a cheaper place 3 I started making more money and moved to a better place 4 Relocated for work 5 Relocated to take care of parents/children 6 Got bankrupt and bank took my house 7 Violence in my community 8 Evicted, land reclaimed by government or owner (for settlement housing) 9 Bought my own house and moved in it 10 Other 11 No specific reason Sysmiss DL10. You said you relocated for work, was that a move for a permanent job or di DL10. You said you relocated for work, was that a move for a permanent job or di DL10. You said you relocated for work, was that a move for a permanent job or di DL10. You said you relocated for work, was that a move for a permanent job or di DL10. You said you relocated for work, was that a move for a permanent job or di You said you relocated for work. Was that a move for a permanent job or did you relocate for a seasonal/temporary job? 67 2935 1 Permanent move 2 Seasonal/temporary job 3 DK/Refused Sysmiss DL10. You said you relocated for work, was that a move for a permanent job or did you relocate for a seasonal/temporary job? DL11. How many members does your household have? DL11. How many members does your household have? DL11. How many members does your household have? DL11. How many members does your household have? DL11. How many members does your household have? How many members does the household have? 3002 1 Seven or more 2 Six 3 Five 4 Four 5 Three 6 Two 7 One DL12. Are all children ages 5 to 12 in school? DL12. Are all children ages 5 to 12 in school? DL12. Are all children ages 5 to 12 in school? DL12. Are all children ages 5 to 12 in school? DL12. Are all children ages 5 to 12 in school? Are all children ages 5 to 12 in school? 3002 1 No 2 Yes, or no children ages 5 to 12 DL13. What is the highest grade completed by the female head/spouse? DL13. What is the highest grade completed by the female head/spouse? DL13. What is the highest grade completed by the female head/spouse? DL13. What is the highest grade completed by the female head/spouse? DL13. What is the highest grade completed by the female head/spouse? What is the highest grade that the female head/spouse has successfully completed? 3002 1 No female head/spouse 2 Non or pre-school 3 Primary or middle 4 Any JSS, SSS, S, L, U, or higher DL14. Is the main job of the male head/spouse in agriculture? DL14. Is the main job of the male head/spouse in agriculture? DL14. Is the main job of the male head/spouse in agriculture? DL14. Is the main job of the male head/spouse in agriculture? DL14. Is the main job of the male head/spouse in agriculture? Is the main job of the male head/spouse in agriculture? 3002 1 Male head/spouse has no job 2 Yes, main job is in agriculture 3 No, main job is not in agriculture 4 No male head/spouse DL15. What is the main construction material for the roof? DL15. What is the main construction material for the roof? DL15. What is the main construction material for the roof? DL15. What is the main construction material for the roof? DL15. What is the main construction material for the roof? What is the main construction material for the roof? 3002 1 Palm leaves/raffia/thatch, wood, mud bricks/earth, bamboo or other 2 Corrugated iron sheets, cement/concrete, asbestos/slate, or roofing tiles DL16. What is the main source of lighting for the dwelling? DL16. What is the main source of lighting for the dwelling? DL16. What is the main source of lighting for the dwelling? DL16. What is the main source of lighting for the dwelling? DL16. What is the main source of lighting for the dwelling? What is the main source of lighting for the dwelling? 3002 1 Not electricity (mains) 2 Electricity (mains) DL17. What is the main source of drinking water for the household? DL17. What is the main source of drinking water for the household? DL17. What is the main source of drinking water for the household? DL17. What is the main source of drinking water for the household? DL17. What is the main source of drinking water for the household? What is the main source of drinking water for the household? 3002 1 Borehole, well (with pump or not, protected or not) or other 2 River/stream, rain water/spring, or dugout/pond/lake/dam 3 Indoor plumbing, inside standpipe, sachet/bottled water, standpipe/tap (public or private outside), pipe in neighbours, DL18. Does any household member own a working stove (kerosene, electric, or gas) DL18. Does any household member own a working stove (kerosene, electric, or gas) DL18. Does any household member own a working stove (kerosene, electric, or gas) DL18. Does any household member own a working stove (kerosene, electric, or gas) DL18. Does any household member own a working stove (kerosene, electric, or gas) Does any household member own a working stove (kerosene, electric, or gas)? 3002 1 No 2 Yes DL18. Does any household member own a working stove (kerosene, electric, or gas)? DL19. Does any household member own a working iron (box or electric)? DL19. Does any household member own a working iron (box or electric)? DL19. Does any household member own a working iron (box or electric)? DL19. Does any household member own a working iron (box or electric)? DL19. Does any household member own a working iron (box or electric)? Does any household member own a working iron (box or electric)? 3002 1 No 2 Yes DL20. Does any household member own a working radio, radio cassette, record play DL20. Does any household member own a working radio, radio cassette, record play DL20. Does any household member own a working radio, radio cassette, record play DL20. Does any household member own a working radio, radio cassette, record play DL20. Does any household member own a working radio, radio cassette, record play Does any household member own a working radio, radio cassette, record player, or 3-in1 radio system? 3002 1 None 2 Only radio 3 Radio cassette but no record player nor 3-in-1 (regardless of radio or cassette) 4 Record player but no 3-in-1 (regardless of radio or cassette) 5 3-in-1 radio system (regardless of any others) DL20. Does any household member own a working radio, radio cassette, record player, or 3-in-1 radio system? DL21. Please look at this card and tell me which answer best reflects your famil DL21. Please look at this card and tell me which answer best reflects your famil DL21. Please look at this card and tell me which answer best reflects your famil DL21. Please look at this card and tell me which answer best reflects your famil DL21. Please look at this card and tell me which answer best reflects your famil Please look at this card and tell me which answer best reflects your household's financial situation. 3002 1 We don't have enough money for food 2 We have enough money for food, but buying clothes is difficult 3 We have enough money for food and clothes and can save a bit, but not enough to buy expensive goods such as a TV set or 4 We can afford to buy certain expensive goods such as a TV set or a refrigerator 5 We can afford to buy whatever we want 6 DK/Refused DL21. Please look at this card and tell me which answer best reflects your family's financial situation? DL22. What is the minimum amount you need to survive per week? (Just for basic n DL22. What is the minimum amount you need to survive per week? (Just for basic n DL22. What is the minimum amount you need to survive per week? (Just for basic n DL22. What is the minimum amount you need to survive per week? (Just for basic n DL22. What is the minimum amount you need to survive per week? (Just for basic n What is the minimum amount you need to survive per week? I am talking about the amount that will cover just your basic needs for food, transport, cooking fuel, and clothes. 3002 -999999 1200 DL22. What is the minimum amount you need to survive per week? (Just for basic needs such as food, transport, cooking, fuel and clothes. GHS) DL23.1. Ability to maintain economic welfare: Does anyone in your household curr DL23.1. Ability to maintain economic welfare: Does anyone in your household curr DL23.1. Ability to maintain economic welfare: Does anyone in your household curr DL23.1. Ability to maintain economic welfare: Does anyone in your household curr DL23.1. Ability to maintain economic welfare: Does anyone in your household curr Please, tell me: Does anyone in your household currently have a savings account (including at a bank, SACCO, informal group) and contribute to it at least once a month? 3002 1 Yes 2 No DL23.1. Ability to maintain economic welfare: Does anyone in your household currently have a savings account (including at a bank, SACCO, informal group) and contribute to it at least once a month? DL23.2. Ability to maintain economic welfare: Does anyone in your household curr DL23.2. Ability to maintain economic welfare: Does anyone in your household curr DL23.2. Ability to maintain economic welfare: Does anyone in your household curr DL23.2. Ability to maintain economic welfare: Does anyone in your household curr DL23.2. Ability to maintain economic welfare: Does anyone in your household curr Please, tell me: Does anyone in your household currently have insurance (medical, car, crop, any other)? 3002 1 Yes 2 No DL23.2. Ability to maintain economic welfare: Does anyone in your household currently have insurance (medical, car, crop, any other)? DL23.3. Ability to maintain economic welfare: Does your household own any of the DL23.3. Ability to maintain economic welfare: Does your household own any of the DL23.3. Ability to maintain economic welfare: Does your household own any of the DL23.3. Ability to maintain economic welfare: Does your household own any of the DL23.3. Ability to maintain economic welfare: Does your household own any of the Please, tell me: Does your household own any of the following: cultivated land, real estate, investment stocks or shares? 3002 1 Yes 2 No DL23.3. Ability to maintain economic welfare: Does your household own any of the following: cultivated land, real estate, investment stocks or shares? DL23.4. Ability to maintain economic welfare: Does your household own your house DL23.4. Ability to maintain economic welfare: Does your household own your house DL23.4. Ability to maintain economic welfare: Does your household own your house DL23.4. Ability to maintain economic welfare: Does your household own your house DL23.4. Ability to maintain economic welfare: Does your household own your house Please, tell me: Do you own your house (with or without title deed)? 3002 1 Yes 2 No DL23.4. Ability to maintain economic welfare: Does your household own your house (with or without title deed)? DL23.5. In the event of an emergency, could you get extra money through relative DL23.5. In the event of an emergency, could you get extra money through relative DL23.5. In the event of an emergency, could you get extra money through relative DL23.5. In the event of an emergency, could you get extra money through relative DL23.5. In the event of an emergency, could you get extra money through relative Please, tell me: In the event of an emergency, could you get extra money through relatives sending money or by selling assets (such as TV, vehicle, etc.)? 3002 1 Yes 2 No DL23.5. In the event of an emergency, could you get extra money through relatives sending money or by selling assets (such as land, TV, vehicle, etc?) DL24.1. In the past 30 days, has anyone in your household skipped a meal to save DL24.1. In the past 30 days, has anyone in your household skipped a meal to save DL24.1. In the past 30 days, has anyone in your household skipped a meal to save DL24.1. In the past 30 days, has anyone in your household skipped a meal to save DL24.1. In the past 30 days, has anyone in your household skipped a meal to save Please, tell me: In the past 30 days, has anyone in your household skipped a meal to save money? 3002 1 Yes 2 No DL24.1. In the past 30 days, has anyone in your household skipped a meal to save money? DL24.2. In the past 30 days, has your house been unlit at night because you coul DL24.2. In the past 30 days, has your house been unlit at night because you coul DL24.2. In the past 30 days, has your house been unlit at night because you coul DL24.2. In the past 30 days, has your house been unlit at night because you coul DL24.2. In the past 30 days, has your house been unlit at night because you coul Please, tell me: In the past 30 days, has your house been unlit at night because you could not buy charcoal/kerosene/etc. to light the house? 3002 1 Yes 2 No DL24.2. In the past 30 days, has your house been unlit at night because you could not buy charcoal/kerosene/etc. to light the house? DL25.1. In the past year, did your household experience any of the following: cr DL25.1. In the past year, did your household experience any of the following: cr DL25.1. In the past year, did your household experience any of the following: cr DL25.1. In the past year, did your household experience any of the following: cr DL25.1. In the past year, did your household experience any of the following: cr Please, tell me: In the past year, did your household experience any of the following: crop damage, flood, drought, lay-off from work, or business failure? 3002 1 Yes 2 No DL25.1. In the past year, did your household experience any of the following: crop damage, flood, drought, lay-off from work, or business failure? DL25.2. In the past year, did your household experience a death of a family memb DL25.2. In the past year, did your household experience a death of a family memb DL25.2. In the past year, did your household experience a death of a family memb DL25.2. In the past year, did your household experience a death of a family memb DL25.2. In the past year, did your household experience a death of a family memb Please, tell me: In the past year, did your household experience a death of a family member or a close relative? 3002 1 Yes 2 No DL25.2. In the past year, did your household experience a death of a family member or a close relative? DL25.3. In the last year, has the household head missed any work because he was DL25.3. In the last year, has the household head missed any work because he was DL25.3. In the last year, has the household head missed any work because he was DL25.3. In the last year, has the household head missed any work because he was DL25.3. In the last year, has the household head missed any work because he was Please, tell me: In the last year, has the household head missed any work because he was too sick to work? 3002 1 Yes 2 No DL25.3. In the last year, has the household head missed any work because he was too sick to work? DL25.4. Does your household receive income (upkeep money or regular support) fro DL25.4. Does your household receive income (upkeep money or regular support) fro DL25.4. Does your household receive income (upkeep money or regular support) fro DL25.4. Does your household receive income (upkeep money or regular support) fro DL25.4. Does your household receive income (upkeep money or regular support) fro Please, tell me: Does your family receive income (upkeep money or regular support) from a person outside your community or city? 3002 1 Yes 2 No DL25.4. Does your household receive income (upkeep money or regular support) from a person outside your community or city? DL26.1. How many total members does your household have, including adults and ch DL26.1. How many total members does your household have, including adults and ch DL26.1. How many total members does your household have, including adults and ch DL26.1. How many total members does your household have, including adults and ch DL26.1. How many total members does your household have, including adults and ch Please, tell me: How many total members does your household have, including adults and children? 3002 1 99 DL26.1. How many total members does your household have, including adults and children? DL26.2. How many household members earn regular income? DL26.2. How many household members earn regular income? DL26.2. How many household members earn regular income? DL26.2. How many household members earn regular income? DL26.2. How many household members earn regular income? Please, tell me: How many household members earn regular income? 3002 99 DL27. What is the highest grade that the female head/spouse completed? DL27. What is the highest grade that the female head/spouse completed? DL27. What is the highest grade that the female head/spouse completed? DL27. What is the highest grade that the female head/spouse completed? DL27. What is the highest grade that the female head/spouse completed? What is the highest grade that the female head/spouse completed? 3002 1 No female head/spouse 2 No formal education 3 Some primary education 4 Primary education completed 5 Some secondary education 6 Secondary education completed and above MT1. Do you personally own a mobile phone? MT1. Do you personally own a mobile phone? MT1. Do you personally own a mobile phone? MT1. Do you personally own a mobile phone? MT1. Do you personally own a mobile phone? Do you personally have a mobile phone? 3002 1 Yes 2 No MT3. You said you don't have a personal mobile phone. Do you use a mobile phone MT3. You said you don't have a personal mobile phone. Do you use a mobile phone MT3. You said you don't have a personal mobile phone. Do you use a mobile phone MT3. You said you don't have a personal mobile phone. Do you use a mobile phone MT3. You said you don't have a personal mobile phone. Do you use a mobile phone You said you don't have a personal mobile phone. Do you use a mobile phone that belongs to someone else either by borrowing or paying for its use? 259 2743 1 Yes 2 No Sysmiss MT3. You said you don't have a personal mobile phone. Do you use a mobile phone that belongs to someone else either by borrowing or paying for its use? MT4. What is the main reason do you not have a mobile phone and do not use someb MT4. What is the main reason do you not have a mobile phone and do not use someb MT4. What is the main reason do you not have a mobile phone and do not use someb MT4. What is the main reason do you not have a mobile phone and do not use someb MT4. What is the main reason do you not have a mobile phone and do not use someb What is the main reason you do not have a mobile phone and do not use somebody else's mobile phone? 105 2897 1 No one in our house owns a phone 2 I don't have anyone to call 3 I am not allowed to use a phone by my spouse 4 I am not allowed to use a phone by my parents 5 I am not allowed to use a phone by other household members 6 Using a phone is against my culture/religion 7 I don't have money to buy phone 8 I d'n?t have money to pay for airtime 9 There is no network where I live/work 10 I worry about what people in my community would think 11 I don't have a need to use a phone 12 No specific reason 13 Other Sysmiss MT4. What is the main reason do you not have a mobile phone and do not use somebody else's mobile phone? MT5. Whose phone are you most likely to use if you need to? MT5. Whose phone are you most likely to use if you need to? MT5. Whose phone are you most likely to use if you need to? MT5. Whose phone are you most likely to use if you need to? MT5. Whose phone are you most likely to use if you need to? Whose phone are you most likely to use if you need to? 154 2848 1 Spouse 2 Parent 3 Child 4 Cousin 5 Niece or nephew 6 Aunt or uncle 7 Grandparent 8 Other relative 9 Workmate or a business partner 10 Neighbor, not a relative 11 Mobile Operator's agent/employee 12 Friend 13 Grandchild 14 Other Sysmiss MT6. What is the gender of that person in MT5? MT6. What is the gender of that person in MT5? MT6. What is the gender of that person in MT5? MT6. What is the gender of that person in MT5? MT6. What is the gender of that person in MT5? Whose phone are you most likely to use if you need to? What is the gender of that person? 154 2848 1 Male 2 Female Sysmiss MT7. Do you personally have an active/working SIM card? MT7. Do you personally have an active/working SIM card? MT7. Do you personally have an active/working SIM card? MT7. Do you personally have an active/working SIM card? MT7. Do you personally have an active/working SIM card? Do you personally have an active/working SIM card? 3002 1 Yes 2 No MT8.1. How many active/working SIM cards do you have with the following provider MT8.1. How many active/working SIM cards do you have with the following provider MT8.1. How many active/working SIM cards do you have with the following provider MT8.1. How many active/working SIM cards do you have with the following provider MT8.1. How many active/working SIM cards do you have with the following provider How many active/working SIM cards do you have with the following providers? Airtel 3002 1 2 3 10 MT8.1. How many active/working SIM cards do you have with the following provider? Airtel MT8.2. How many active/working SIM cards do you have with the following provider MT8.2. How many active/working SIM cards do you have with the following provider MT8.2. How many active/working SIM cards do you have with the following provider MT8.2. How many active/working SIM cards do you have with the following provider MT8.2. How many active/working SIM cards do you have with the following provider How many active/working SIM cards do you have with the following providers? Expresso 3002 1 2 MT8.2. How many active/working SIM cards do you have with the following provider? Expresso MT8.3. How many active/working SIM cards do you have with the following provider MT8.3. How many active/working SIM cards do you have with the following provider MT8.3. How many active/working SIM cards do you have with the following provider MT8.3. How many active/working SIM cards do you have with the following provider MT8.3. How many active/working SIM cards do you have with the following provider How many active/working SIM cards do you have with the following providers? Glo 3002 1 2 6 MT8.3. How many active/working SIM cards do you have with the following provider? Glo MT8.4. How many active/working SIM cards do you have with the following provider MT8.4. How many active/working SIM cards do you have with the following provider MT8.4. How many active/working SIM cards do you have with the following provider MT8.4. How many active/working SIM cards do you have with the following provider MT8.4. How many active/working SIM cards do you have with the following provider How many active/working SIM cards do you have with the following providers? Tigo 3002 1 2 MT8.4. How many active/working SIM cards do you have with the following provider? Tigo MT8.5. How many active/working SIM cards do you have with the following provider MT8.5. How many active/working SIM cards do you have with the following provider MT8.5. How many active/working SIM cards do you have with the following provider MT8.5. How many active/working SIM cards do you have with the following provider MT8.5. How many active/working SIM cards do you have with the following provider How many active/working SIM cards do you have with the following providers? MTN 3002 1 2 3 4 MT8.5. How many active/working SIM cards do you have with the following provider? MTN MT8.6. How many active/working SIM cards do you have with the following provider MT8.6. How many active/working SIM cards do you have with the following provider MT8.6. How many active/working SIM cards do you have with the following provider MT8.6. How many active/working SIM cards do you have with the following provider MT8.6. How many active/working SIM cards do you have with the following provider How many active/working SIM cards do you have with the following providers? Vodafone 3002 1 2 MT8.6. How many active/working SIM cards do you have with the following provider? Vodafone MT9. You said you don't personally have a SIM card. Do you use a SIM card that b MT9. You said you don't personally have a SIM card. Do you use a SIM card that b MT9. You said you don't personally have a SIM card. Do you use a SIM card that b MT9. You said you don't personally have a SIM card. Do you use a SIM card that b MT9. You said you don't personally have a SIM card. Do you use a SIM card that b You said you don't personally have a SIM card. Do you use a SIM card that belongs to somebody else? 245 2757 1 Yes 2 No Sysmiss MT9. You said you don't personally have a SIM card. Do you use a SIM card that belongs to somebody else? MT10.1. Apart from today, when was the last time you performed the following act MT10.1. Apart from today, when was the last time you performed the following act MT10.1. Apart from today, when was the last time you performed the following act MT10.1. Apart from today, when was the last time you performed the following act MT10.1. Apart from today, when was the last time you performed the following act Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Made calls 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.1. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Made calls MT11.1. When you Made calls, do you do it yourself or does someone help you with MT11.1. When you Made calls, do you do it yourself or does someone help you with MT11.1. When you Made calls, do you do it yourself or does someone help you with MT11.1. When you Made calls, do you do it yourself or does someone help you with MT11.1. When you Made calls, do you do it yourself or does someone help you with When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Made calls 2864 138 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.1. When you Made calls, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.2. Apart from today, when was the last time you performed the following act MT10.2. Apart from today, when was the last time you performed the following act MT10.2. Apart from today, when was the last time you performed the following act MT10.2. Apart from today, when was the last time you performed the following act MT10.2. Apart from today, when was the last time you performed the following act Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Received calls 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.2. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Received calls MT11.2. When you Received calls, do you do it yourself or does someone help you MT11.2. When you Received calls, do you do it yourself or does someone help you MT11.2. When you Received calls, do you do it yourself or does someone help you MT11.2. When you Received calls, do you do it yourself or does someone help you MT11.2. When you Received calls, do you do it yourself or does someone help you When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Received calls 2857 145 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.2. When you Received calls, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.3. Apart from today, when was the last time you performed the following act MT10.3. Apart from today, when was the last time you performed the following act MT10.3. Apart from today, when was the last time you performed the following act MT10.3. Apart from today, when was the last time you performed the following act MT10.3. Apart from today, when was the last time you performed the following act Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Sent/received text messages 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.3. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Sent/received text messages MT11.3. When you Sent/received text messages, do you do it yourself or does some MT11.3. When you Sent/received text messages, do you do it yourself or does some MT11.3. When you Sent/received text messages, do you do it yourself or does some MT11.3. When you Sent/received text messages, do you do it yourself or does some MT11.3. When you Sent/received text messages, do you do it yourself or does some When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Sent/received text messages 2268 734 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.3. When you Sent/received text messages, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.4. Apart from today, when was the last time you performed the following act MT10.4. Apart from today, when was the last time you performed the following act MT10.4. Apart from today, when was the last time you performed the following act MT10.4. Apart from today, when was the last time you performed the following act MT10.4. Apart from today, when was the last time you performed the following act Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Sent/received photo messages (MMS) 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.4. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Sent/received photo messages (MMS) MT11.4. When you Sent/received photo messages (MMS), do you do it yourself or do MT11.4. When you Sent/received photo messages (MMS), do you do it yourself or do MT11.4. When you Sent/received photo messages (MMS), do you do it yourself or do MT11.4. When you Sent/received photo messages (MMS), do you do it yourself or do MT11.4. When you Sent/received photo messages (MMS), do you do it yourself or do When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Sent/received photo messages (MMS) 862 2140 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.4. When you Sent/received photo messages (MMS), do you do it yourself or does someone help you with the entire or a part of an activity? MT10.5. Apart from today, when was the last time you performed the following act MT10.5. Apart from today, when was the last time you performed the following act MT10.5. Apart from today, when was the last time you performed the following act MT10.5. Apart from today, when was the last time you performed the following act MT10.5. Apart from today, when was the last time you performed the following act Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Used/browsed the internet 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.5. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Used/browsed the internet MT11.5. When you Used/browsed the internet, do you do it yourself or does someon MT11.5. When you Used/browsed the internet, do you do it yourself or does someon MT11.5. When you Used/browsed the internet, do you do it yourself or does someon MT11.5. When you Used/browsed the internet, do you do it yourself or does someon MT11.5. When you Used/browsed the internet, do you do it yourself or does someon When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Used/browsed the internet 1005 1997 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.5. When you Used/browsed the internet, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.6. Apart from today, when was the last time you performed the following act MT10.6. Apart from today, when was the last time you performed the following act MT10.6. Apart from today, when was the last time you performed the following act MT10.6. Apart from today, when was the last time you performed the following act MT10.6. Apart from today, when was the last time you performed the following act Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Downloaded music, video or games 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.6. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Downloaded music, video or games MT11.6. When you Downloaded music, video or games, do you do it yourself or does MT11.6. When you Downloaded music, video or games, do you do it yourself or does MT11.6. When you Downloaded music, video or games, do you do it yourself or does MT11.6. When you Downloaded music, video or games, do you do it yourself or does MT11.6. When you Downloaded music, video or games, do you do it yourself or does When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Downloaded music, video or games 845 2157 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.6. When you Downloaded music, video or games, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.7. Apart from today, when was the last time you performed the following act MT10.7. Apart from today, when was the last time you performed the following act MT10.7. Apart from today, when was the last time you performed the following act MT10.7. Apart from today, when was the last time you performed the following act MT10.7. Apart from today, when was the last time you performed the following act Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Made a financial transaction such as send/receive money, pay debt, or banking transaction 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.7. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Made a financial transaction such as send/receive money, pay debt, or banking transaction MT11.7. When you Made a financial transaction such as send/receive money, pay de MT11.7. When you Made a financial transaction such as send/receive money, pay de MT11.7. When you Made a financial transaction such as send/receive money, pay de MT11.7. When you Made a financial transaction such as send/receive money, pay de MT11.7. When you Made a financial transaction such as send/receive money, pay de When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Made a financial transaction such as send/receive money, pay debt, or banking transaction 675 2327 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.7. When you Made a financial transaction such as send/receive money, pay debt, or banking transaction, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.8. Apart from today, when was the last time you performed the following act MT10.8. Apart from today, when was the last time you performed the following act MT10.8. Apart from today, when was the last time you performed the following act MT10.8. Apart from today, when was the last time you performed the following act MT10.8. Apart from today, when was the last time you performed the following act Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Used "Call Tunes" or other audio/video on-demand-from operator services 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.8. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Used ?Call Tunes? or other audio/video on-demand-from operator services MT11.8. When you Used ?Call Tunes? or other audio/video on-demand-from operator MT11.8. When you Used ?Call Tunes? or other audio/video on-demand-from operator MT11.8. When you Used ?Call Tunes? or other audio/video on-demand-from operator MT11.8. When you Used ?Call Tunes? or other audio/video on-demand-from operator MT11.8. When you Used ?Call Tunes? or other audio/video on-demand-from operator When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Used "Call Tunes" or other audio/video on-demand-from operator services 801 2201 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.8. When you Used ?Call Tunes? or other audio/video on-demand-from operator services, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.9. Apart from today, when was the last time you performed the following act MT10.9. Apart from today, when was the last time you performed the following act MT10.9. Apart from today, when was the last time you performed the following act MT10.9. Apart from today, when was the last time you performed the following act MT10.9. Apart from today, when was the last time you performed the following act Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Used Facebook, WhatsApp, Twitter, Instagram or another social networking site 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.9. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Used Facebook, Whatsapp, Twitter, Instagram or another social networking site MT11.9. When you Used Facebook, Whatsapp, Twitter, Instagram or another social n MT11.9. When you Used Facebook, Whatsapp, Twitter, Instagram or another social n MT11.9. When you Used Facebook, Whatsapp, Twitter, Instagram or another social n MT11.9. When you Used Facebook, Whatsapp, Twitter, Instagram or another social n MT11.9. When you Used Facebook, Whatsapp, Twitter, Instagram or another social n When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Used Facebook, WhatsApp, Twitter, Instagram or another social networking site 953 2049 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.9. When you Used Facebook, Whatsapp, Twitter, Instagram or another social networking site, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.10. Apart from today, when was the last time you performed the following ac MT10.10. Apart from today, when was the last time you performed the following ac MT10.10. Apart from today, when was the last time you performed the following ac MT10.10. Apart from today, when was the last time you performed the following ac MT10.10. Apart from today, when was the last time you performed the following ac Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Took a color picture 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.10. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Took a color picture MT11.10. When you Took a color picture, do you do it yourself or does someone he MT11.10. When you Took a color picture, do you do it yourself or does someone he MT11.10. When you Took a color picture, do you do it yourself or does someone he MT11.10. When you Took a color picture, do you do it yourself or does someone he MT11.10. When you Took a color picture, do you do it yourself or does someone he When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Took a color picture 1099 1903 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.10. When you Took a color picture, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.11. Apart from today, when was the last time you performed the following ac MT10.11. Apart from today, when was the last time you performed the following ac MT10.11. Apart from today, when was the last time you performed the following ac MT10.11. Apart from today, when was the last time you performed the following ac MT10.11. Apart from today, when was the last time you performed the following ac Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Downloaded/used a mobile application (Examples) 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.11. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Downloaded/used a mobile application e.g. OLX,Tonaton MT11.11. When you Downloaded/used a mobile application e.g. OLX,Tonaton, do you MT11.11. When you Downloaded/used a mobile application e.g. OLX,Tonaton, do you MT11.11. When you Downloaded/used a mobile application e.g. OLX,Tonaton, do you MT11.11. When you Downloaded/used a mobile application e.g. OLX,Tonaton, do you MT11.11. When you Downloaded/used a mobile application e.g. OLX,Tonaton, do you When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Downloaded/used a mobile application (Examples) 575 2427 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.11. When you Downloaded/used a mobile application e.g. OLX,Tonaton, do you do it yourself or does someone help you with the entire or a part of an activity? MT10.12. Apart from today, when was the last time you performed the following ac MT10.12. Apart from today, when was the last time you performed the following ac MT10.12. Apart from today, when was the last time you performed the following ac MT10.12. Apart from today, when was the last time you performed the following ac MT10.12. Apart from today, when was the last time you performed the following ac Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Used touch-screen 2873 129 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MT10.12. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Used touch-screen MT11.12. When you used touch-screen, do you do it yourself or does someone help MT11.12. When you used touch-screen, do you do it yourself or does someone help MT11.12. When you used touch-screen, do you do it yourself or does someone help MT11.12. When you used touch-screen, do you do it yourself or does someone help MT11.12. When you used touch-screen, do you do it yourself or does someone help When you… (READ THE ACTIVITY MARKED IN MT10) Do you do it yourself or does someone help you with the entire or a part of an activity? Used touch-screen 911 2091 1 Do everything myself 2 Somebody helps me with part of the activity 3 Somebody helps me with entire activity Sysmiss MT11.12. When you used touch-screen, do you do it yourself or does someone help you with the entire or a part of an activity? FF1. Do you personally have a bank account that is registered in your name? FF1. Do you personally have a bank account that is registered in your name? FF1. Do you personally have a bank account that is registered in your name? FF1. Do you personally have a bank account that is registered in your name? FF1. Do you personally have a bank account that is registered in your name? READ TO THE RESPONDENT: Now, I am going to ask you a few questions about banks. In this section, we want to talk ONLY about banks. We do not include SACCOs, Microfinancial Institutions, "government banks" or any other organizations that are like banks but are not officially called banks nor are they registered as banks. Do you personally have a bank account that is registered in your name? 3002 1 Yes 2 No FF2. Do you usually make transactions with your bank account yourself or does so FF2. Do you usually make transactions with your bank account yourself or does so FF2. Do you usually make transactions with your bank account yourself or does so FF2. Do you usually make transactions with your bank account yourself or does so FF2. Do you usually make transactions with your bank account yourself or does so Do you usually make transactions with your bank account yourself or does somebody else do them on your behalf? 1015 1987 1 Make transactions myself 2 Somebody does them on my behalf Sysmiss FF2. Do you usually make transactions with your bank account yourself or does somebody else do them on your behalf? FF3. Who is the person that makes transactions with your bank account on your be FF3. Who is the person that makes transactions with your bank account on your be FF3. Who is the person that makes transactions with your bank account on your be FF3. Who is the person that makes transactions with your bank account on your be FF3. Who is the person that makes transactions with your bank account on your be Who is the person that makes transactions with your bank account on your behalf most frequently? 35 2967 1 Spouse 2 Parent 3 Child 4 Cousin 5 Niece or nephew 6 Aunt or uncle 7 Grandparent 8 Other relative 9 Workmate or a business partner 10 Neighbor, not a relative 11 Mobile Operator's agent/employee 12 Friend 13 Grandchild 14 Other Sysmiss FF3. Who is the person that makes transactions with your bank account on your behalf most frequently? FF4. What is the gender of the person in FF3? FF4. What is the gender of the person in FF3? FF4. What is the gender of the person in FF3? FF4. What is the gender of the person in FF3? FF4. What is the gender of the person in FF3? Who is the person that makes transactions with your bank account on your behalf most frequently? What is the gender of that person? 35 2967 1 Male 2 Female Sysmiss FF5. What is the main reason you do not have a bank account? FF5. What is the main reason you do not have a bank account? FF5. What is the main reason you do not have a bank account? FF5. What is the main reason you do not have a bank account? FF5. What is the main reason you do not have a bank account? What is the main reason you do not have a bank account? 1987 1015 1 I do not know what it is 2 I do not know how to open one 3 I do not have a state-issued/national ID or other required documents 4 I do not have money to use a bank 5 I do not need one, I do not make any transactions 6 Registration paperwork is too complicated 7 Registration fee is too high 8 Using a bank account is difficult 9 Fees for using a bank account are too high 10 I do not have money to make any transactions with such account 11 No one among my friends or family has such account 12 I do not understand the purpose of such account, I do not know what I can use it for 13 There are no banks/bank agents close to where I live/work 14 Banks are not reliable 15 Banks do not offer the services I need 16 Bank staff/agents are unfriendly; they make me feel unwelcomed 17 I can't afford the minimum balance 18 Bank hours are not convenient for me 19 I never thought about using a bank 20 I do not trust banks/that my money is safe in a bank 21 I would rather have my money close to me 22 I use mobile money 23 I don't have time to go to the bank 24 I use somebody else's account 25 My husband, family, in-laws do not approve of me having a bank account 26 I will not be able to go to a bank on my own 27 It?s not approved by my religion 28 Other 29 DK/Refused Sysmiss FF6. Do you use a bank account that belongs to somebody else if you need to? FF6. Do you use a bank account that belongs to somebody else if you need to? FF6. Do you use a bank account that belongs to somebody else if you need to? FF6. Do you use a bank account that belongs to somebody else if you need to? FF6. Do you use a bank account that belongs to somebody else if you need to? Do you use a bankaccount that belongs to somebody else if you need to? 1987 1015 1 Yes 2 No Sysmiss FF7. Whose bank account are you most likely to use if you need to? FF7. Whose bank account are you most likely to use if you need to? FF7. Whose bank account are you most likely to use if you need to? FF7. Whose bank account are you most likely to use if you need to? FF7. Whose bank account are you most likely to use if you need to? Whose bankaccount are you most likely to use if you need to? 59 2943 1 Spouse 2 Parent 3 Child 4 Cousin 5 Niece or nephew 6 Aunt or uncle 7 Grandparent 8 Other relative 9 Workmate or a business partner 10 Neighbor, not a relative 11 Mobile Operator's agent/employee 12 Friend 13 Grandchild 14 Other Sysmiss FF8. What is the gender of the person of FF7? FF8. What is the gender of the person of FF7? FF8. What is the gender of the person of FF7? FF8. What is the gender of the person of FF7? FF8. What is the gender of the person of FF7? What is the gender of that person? 59 2943 1 Male 2 Female Sysmiss FF9. Which of the following services does your bank offer? It does not matter if FF9. Which of the following services does your bank offer? It does not matter if FF9. Which of the following services does your bank offer? It does not matter if FF9. Which of the following services does your bank offer? It does not matter if FF9. Which of the following services does your bank offer? It does not matter if READ TO THE RESPONDENT: In the next set of questions I want to ask about a bank account that you personally have or that belongs to somebody else but you use it. If you have more than one bank account, please, choose the one that you use the most. Which of the following services does your bank offer? It does not matter if you use those services, I just want to know if they are available to you. 1074 1928 1 Loans and at least one of the following: Savings, money transfers, insurance, investment 2 Only loans and no other financial services 3 None of the above Sysmiss FF9. Which of the following services does your bank offer? It does not matter if you use those services. FF10.1. Does the statement apply to your bank account or a bank account you use FF10.1. Does the statement apply to your bank account or a bank account you use FF10.1. Does the statement apply to your bank account or a bank account you use FF10.1. Does the statement apply to your bank account or a bank account you use FF10.1. Does the statement apply to your bank account or a bank account you use I will read you several statements. Please, tell me which of them apply to your bank account and a bank account you use that belongs to someone else. The statements ask about some of the services offered by banks. I would like to know if your bank provide those services even if you personally do not use them. The bank offers a debit/ATM card or a credit card with this account 1002 2000 1 Yes 2 No 3 DK/Refused Sysmiss FF10.1. Does the statement apply to your bank account or a bank account you use that belongs to someone else? You can access your account and make transactions using either a mobile phone application or the bank's website FF10.2. Does the statement apply to your bank account or a bank account you use FF10.2. Does the statement apply to your bank account or a bank account you use FF10.2. Does the statement apply to your bank account or a bank account you use FF10.2. Does the statement apply to your bank account or a bank account you use FF10.2. Does the statement apply to your bank account or a bank account you use I will read you several statements. Please, tell me which of them apply to your bank account and a bank account you use that belongs to someone else. The statements ask about some of the services offered by banks. I would like to know if your bank provide those services even if you personally do not use them. You can access your account and make transactions using either a mobile phone application or the bank's website 1002 2000 1 Yes 2 No 3 DK/Refused Sysmiss FF10.2. Does the statement apply to your bank account or a bank account you use that belongs to someone else? The bank offers a debit/ATM card or a credit card with this account FF10.3. Does the statement apply to your bank account or a bank account you use FF10.3. Does the statement apply to your bank account or a bank account you use FF10.3. Does the statement apply to your bank account or a bank account you use FF10.3. Does the statement apply to your bank account or a bank account you use FF10.3. Does the statement apply to your bank account or a bank account you use I will read you several statements. Please, tell me which of them apply to your bank account and a bank account you use that belongs to someone else. The statements ask about some of the services offered by banks. I would like to know if your bank provide those services even if you personally do not use them. Money can be transferred to/from this account without using cash (e.g. receive salary or government benefits, direct deposit, automatic payments or withdrawals, transfers to/from other banks/mobile money account/SACCO or cooperative accounts) 1002 2000 1 Yes 2 No 3 DK/Refused Sysmiss FF10.3. Does the statement apply to your bank account or a bank account you use that belongs to someone else? You can transfer money to/from this account without using cash (e.g. receive salary or government benefits, direct deposit, automatic payments or FF11.1. How many of the following type of bank account do you have? Current FF11.1. How many of the following type of bank account do you have? Current FF11.1. How many of the following type of bank account do you have? Current FF11.1. How many of the following type of bank account do you have? Current FF11.1. How many of the following type of bank account do you have? Current How many of the following types of bank account do you have? Current 3002 1 2 3 FF12.1. How many of the following type of bank accounts of other people can you FF12.1. How many of the following type of bank accounts of other people can you FF12.1. How many of the following type of bank accounts of other people can you FF12.1. How many of the following type of bank accounts of other people can you FF12.1. How many of the following type of bank accounts of other people can you How many of the following types of bank accounts of other people can you use? Current 3002 1 FF12.1. How many of the following type of bank accounts of other people can you use? Current FF11.2. How many of the following type of bank account do you have? Savings FF11.2. How many of the following type of bank account do you have? Savings FF11.2. How many of the following type of bank account do you have? Savings FF11.2. How many of the following type of bank account do you have? Savings FF11.2. How many of the following type of bank account do you have? Savings How many of the following types of bank account do you have? Savings/fixed 3002 1 2 3 FF12.2. How many of the following type of bank accounts of other people can you FF12.2. How many of the following type of bank accounts of other people can you FF12.2. How many of the following type of bank accounts of other people can you FF12.2. How many of the following type of bank accounts of other people can you FF12.2. How many of the following type of bank accounts of other people can you How many of the following types of bank accounts of other people can you use? Savings/fixed 3002 1 FF12.2. How many of the following type of bank accounts of other people can you use? Savings FF11.3. How many of the following type of bank account do you have? Student FF11.3. How many of the following type of bank account do you have? Student FF11.3. How many of the following type of bank account do you have? Student FF11.3. How many of the following type of bank account do you have? Student FF11.3. How many of the following type of bank account do you have? Student How many of the following types of bank account do you have? Student 3002 1 2 FF12.3. How many of the following type of bank accounts of other people can you FF12.3. How many of the following type of bank accounts of other people can you FF12.3. How many of the following type of bank accounts of other people can you FF12.3. How many of the following type of bank accounts of other people can you FF12.3. How many of the following type of bank accounts of other people can you How many of the following types of bank accounts of other people can you use? Student 3002 1 FF12.3. How many of the following type of bank accounts of other people can you use? Student FF11.4. How many of the following type of bank account do you have? Fixed FF11.4. How many of the following type of bank account do you have? Fixed FF11.4. How many of the following type of bank account do you have? Fixed FF11.4. How many of the following type of bank account do you have? Fixed FF11.4. How many of the following type of bank account do you have? Fixed How many of the following types of bank account do you have? Other (Specify) 3002 1 2 FF12.4. How many of the following type of bank accounts of other people can you FF12.4. How many of the following type of bank accounts of other people can you FF12.4. How many of the following type of bank accounts of other people can you FF12.4. How many of the following type of bank accounts of other people can you FF12.4. How many of the following type of bank accounts of other people can you How many of the following types of bank accounts of other people can you use? Other (Specify) 3002 FF12.4. How many of the following type of bank accounts of other people can you use? Fixed FF11.5. How many of the following type of bank account do you have? Other FF11.5. How many of the following type of bank account do you have? Other FF11.5. How many of the following type of bank account do you have? Other FF11.5. How many of the following type of bank account do you have? Other FF11.5. How many of the following type of bank account do you have? Other 3002 1 2 FF12.5. How many of the following type of bank accounts of other people can you FF12.5. How many of the following type of bank accounts of other people can you FF12.5. How many of the following type of bank accounts of other people can you FF12.5. How many of the following type of bank accounts of other people can you FF12.5. How many of the following type of bank accounts of other people can you 3002 FF12.5. How many of the following type of bank accounts of other people can you use? Other FF14. Apart from today, when was the last time you made a deposit or withdrawal FF14. Apart from today, when was the last time you made a deposit or withdrawal FF14. Apart from today, when was the last time you made a deposit or withdrawal FF14. Apart from today, when was the last time you made a deposit or withdrawal FF14. Apart from today, when was the last time you made a deposit or withdrawal Apart from today, when was the last time you made a deposit or withdrawal using a bank account or used a bank account for any other financial activity? 1002 2000 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss FF14. Apart from today, when was the last time you made a deposit or withdrawal using a bank account or used a bank account for any other financial activity? FF15.1. When you use a bank account for any financial activity, do you use any o FF15.1. When you use a bank account for any financial activity, do you use any o FF15.1. When you use a bank account for any financial activity, do you use any o FF15.1. When you use a bank account for any financial activity, do you use any o FF15.1. When you use a bank account for any financial activity, do you use any o When you use a bank account for any financial activity, do you use any of the following? Over the counter in a branch of the bank 971 2031 1 Yes 2 No Sysmiss FF15.1. When you use a bank account for any financial activity, do you use any of the following? Over the counter in a branch of the bank FF16.1. How far (in km) is the closest from the place where you live? Over the FF16.1. How far (in km) is the closest from the place where you live? Over the FF16.1. How far (in km) is the closest from the place where you live? Over the FF16.1. How far (in km) is the closest from the place where you live? Over the FF16.1. How far (in km) is the closest from the place where you live? Over the How far (in km) is the closest ______ from the place where you live? Over the counter in a branch of the bank 947 2055 1 0.5 km or less 2 More than 0.5 km to 1km 3 More than 1km to 5km 4 More than 5km to 10km 5 More than 10km to 15km 6 More than 15km Sysmiss FF16.1. How far (in km) is the closest from the place where you live? Over the counter in a branch of the bank FF17.1. If you have to walk, how many minutes does it take you to get to the clo FF17.1. If you have to walk, how many minutes does it take you to get to the clo FF17.1. If you have to walk, how many minutes does it take you to get to the clo FF17.1. If you have to walk, how many minutes does it take you to get to the clo FF17.1. If you have to walk, how many minutes does it take you to get to the clo If you have to walk, how many minutes does it take you to get to the closest _______________ from the place where you live? Over the counter in a branch of the bank 947 2055 1 15 minutes or less 2 More than 15 to 30 minutes 3 More than 30 minutes to an hour 4 More than an hour to 2 hours 5 More than 2 hours to 4 hours 6 More than 4 hours Sysmiss FF17.1. If you have to walk, how many minutes does it take you to get to the closest ... from the place where you live? Over the counter in a branch of the bank FF17A.1. If you have to take any transport to get to the closest ..., what is th FF17A.1. If you have to take any transport to get to the closest ..., what is th FF17A.1. If you have to take any transport to get to the closest ..., what is th FF17A.1. If you have to take any transport to get to the closest ..., what is th FF17A.1. If you have to take any transport to get to the closest ..., what is th If you have to take any transport to get to the closest_______, what is the typical/average amount you will have to pay? Over the counter in a branch of the bank 3002 1200 FF17A.1. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? Over the counter in a branch of the bank FF15.2. When you use a bank account for any financial activity, do you use any o FF15.2. When you use a bank account for any financial activity, do you use any o FF15.2. When you use a bank account for any financial activity, do you use any o FF15.2. When you use a bank account for any financial activity, do you use any o FF15.2. When you use a bank account for any financial activity, do you use any o When you use a bank account for any financial activity, do you use any of the following? ATM 971 2031 1 Yes 2 No Sysmiss FF15.2. When you use a bank account for any financial activity, do you use any of the following? ATM FF16.2. How far (in km) is the closest ... from the place where you live? ATM FF16.2. How far (in km) is the closest ... from the place where you live? ATM FF16.2. How far (in km) is the closest ... from the place where you live? ATM FF16.2. How far (in km) is the closest ... from the place where you live? ATM FF16.2. How far (in km) is the closest ... from the place where you live? ATM How far (in km) is the closest ______ from the place where you live? ATM 453 2549 1 0.5 km or less 2 More than 0.5 km to 1km 3 More than 1km to 5km 4 More than 5km to 10km 5 More than 10km to 15km 6 More than 15km Sysmiss FF17.2. If you have to walk, how many minutes does it take you to get to the clo FF17.2. If you have to walk, how many minutes does it take you to get to the clo FF17.2. If you have to walk, how many minutes does it take you to get to the clo FF17.2. If you have to walk, how many minutes does it take you to get to the clo FF17.2. If you have to walk, how many minutes does it take you to get to the clo If you have to walk, how many minutes does it take you to get to the closest _______________ from the place where you live? ATM 453 2549 1 15 minutes or less 2 More than 15 to 30 minutes 3 More than 30 minutes to an hour 4 More than an hour to 2 hours 5 More than 2 hours to 4 hours 6 More than 4 hours Sysmiss FF17.2. If you have to walk, how many minutes does it take you to get to the closest ... from the place where you live? ATM FF17A.2. If you have to take any transport to get to the closest ..., what is th FF17A.2. If you have to take any transport to get to the closest ..., what is th FF17A.2. If you have to take any transport to get to the closest ..., what is th FF17A.2. If you have to take any transport to get to the closest ..., what is th FF17A.2. If you have to take any transport to get to the closest ..., what is th If you have to take any transport to get to the closest_______, what is the typical/average amount you will have to pay? ATM 3002 150 FF17A.2. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? ATM FF15.3. When you use a bank account for any financial activity, do you use any o FF15.3. When you use a bank account for any financial activity, do you use any o FF15.3. When you use a bank account for any financial activity, do you use any o FF15.3. When you use a bank account for any financial activity, do you use any o FF15.3. When you use a bank account for any financial activity, do you use any o When you use a bank account for any financial activity, do you use any of the following? Over the counter at a retail store/designated banking agent 971 2031 1 Yes 2 No Sysmiss FF15.3. When you use a bank account for any financial activity, do you use any of the following? Over the counter at a retail store/designated banking agent FF16.3. How far (in km) is the closest ... from the place where you live? Over t FF16.3. How far (in km) is the closest ... from the place where you live? Over t FF16.3. How far (in km) is the closest ... from the place where you live? Over t FF16.3. How far (in km) is the closest ... from the place where you live? Over t FF16.3. How far (in km) is the closest ... from the place where you live? Over t How far (in km) is the closest ______ from the place where you live? Over the counter at a retail store/designated banking agent 88 2914 1 0.5 km or less 2 More than 0.5 km to 1km 3 More than 1km to 5km 4 More than 5km to 10km 5 More than 10km to 15km 6 More than 15km Sysmiss FF16.3. How far (in km) is the closest ... from the place where you live? Over the counter at a retail store/designated banking agent FF17.3. If you have to walk, how many minutes does it take you to get to the clo FF17.3. If you have to walk, how many minutes does it take you to get to the clo FF17.3. If you have to walk, how many minutes does it take you to get to the clo FF17.3. If you have to walk, how many minutes does it take you to get to the clo FF17.3. If you have to walk, how many minutes does it take you to get to the clo If you have to walk, how many minutes does it take you to get to the closest _______________ from the place where you live? Over the counter at a retail store/designated banking agent 88 2914 1 15 minutes or less 2 More than 15 to 30 minutes 3 More than 30 minutes to an hour 4 More than an hour to 2 hours 5 More than 2 hours to 4 hours 6 More than 4 hours Sysmiss FF17.3. If you have to walk, how many minutes does it take you to get to the closest ... from the place where you live? Over the counter at a retail store/designated banking agent FF17A.3. If you have to take any transport to get to the closest ..., what is th FF17A.3. If you have to take any transport to get to the closest ..., what is th FF17A.3. If you have to take any transport to get to the closest ..., what is th FF17A.3. If you have to take any transport to get to the closest ..., what is th FF17A.3. If you have to take any transport to get to the closest ..., what is th If you have to take any transport to get to the closest_______, what is the typical/average amount you will have to pay? Over the counter at a retail store/designated banking agent 3002 60 FF17A.3. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? Over the counter at a retail store/designated banking agent FF15.4. When you use a bank account for any financial activity, do you use any o FF15.4. When you use a bank account for any financial activity, do you use any o FF15.4. When you use a bank account for any financial activity, do you use any o FF15.4. When you use a bank account for any financial activity, do you use any o FF15.4. When you use a bank account for any financial activity, do you use any o When you use a bank account for any financial activity, do you use any of the following? Independent banking agent 971 2031 1 Yes 2 No Sysmiss FF15.4. When you use a bank account for any financial activity, do you use any of the following? Independent banking agent FF16.4. How far (in km) is the closest ... from the place where you live? Indepe FF16.4. How far (in km) is the closest ... from the place where you live? Indepe FF16.4. How far (in km) is the closest ... from the place where you live? Indepe FF16.4. How far (in km) is the closest ... from the place where you live? Indepe FF16.4. How far (in km) is the closest ... from the place where you live? Indepe How far (in km) is the closest ______ from the place where you live? Independent banking agent 11 2991 1 0.5 km or less 2 More than 0.5 km to 1km 3 More than 1km to 5km 4 More than 5km to 10km 5 More than 10km to 15km 6 More than 15km Sysmiss FF16.4. How far (in km) is the closest ... from the place where you live? Independent banking agent FF17.4. If you have to walk, how many minutes does it take you to get to the clo FF17.4. If you have to walk, how many minutes does it take you to get to the clo FF17.4. If you have to walk, how many minutes does it take you to get to the clo FF17.4. If you have to walk, how many minutes does it take you to get to the clo FF17.4. If you have to walk, how many minutes does it take you to get to the clo If you have to walk, how many minutes does it take you to get to the closest _______________ from the place where you live? Independent banking agent 11 2991 1 15 minutes or less 2 More than 15 to 30 minutes 3 More than 30 minutes to an hour 4 More than an hour to 2 hours 5 More than 2 hours to 4 hours 6 More than 4 hours Sysmiss FF17.4. If you have to walk, how many minutes does it take you to get to the closest ... from the place where you live? Independent banking agent FF17A.4. If you have to take any transport to get to the closest ..., what is th FF17A.4. If you have to take any transport to get to the closest ..., what is th FF17A.4. If you have to take any transport to get to the closest ..., what is th FF17A.4. If you have to take any transport to get to the closest ..., what is th FF17A.4. If you have to take any transport to get to the closest ..., what is th If you have to take any transport to get to the closest_______, what is the typical/average amount you will have to pay? Independent banking agent 3002 1 2 3 5 FF17A.4. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? Independent banking agent FF15.5. When you use a bank account for any financial activity, do you use any o FF15.5. When you use a bank account for any financial activity, do you use any o FF15.5. When you use a bank account for any financial activity, do you use any o FF15.5. When you use a bank account for any financial activity, do you use any o FF15.5. When you use a bank account for any financial activity, do you use any o When you use a bank account for any financial activity, do you use any of the following? Bank's website 971 2031 1 Yes 2 No Sysmiss FF15.5. When you use a bank account for any financial activity, do you use any of the following? Bank's website FF15.6. When you use a bank account for any financial activity, do you use any o FF15.6. When you use a bank account for any financial activity, do you use any o FF15.6. When you use a bank account for any financial activity, do you use any o FF15.6. When you use a bank account for any financial activity, do you use any o FF15.6. When you use a bank account for any financial activity, do you use any o When you use a bank account for any financial activity, do you use any of the following? Mobile app 971 2031 1 Yes 2 No Sysmiss FF15.6. When you use a bank account for any financial activity, do you use any of the following? Mobile app FF15.7. When you use a bank account for any financial activity, do you use any o FF15.7. When you use a bank account for any financial activity, do you use any o FF15.7. When you use a bank account for any financial activity, do you use any o FF15.7. When you use a bank account for any financial activity, do you use any o FF15.7. When you use a bank account for any financial activity, do you use any o When you use a bank account for any financial activity, do you use any of the following? Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money agent for withdrawal or depositing with a mobile money agent to my phone and then transferring to my bank account for deposits 971 2031 1 Yes 2 No Sysmiss FF15.7. When you use a bank account for any financial activity, do you use any of the following? A door-to-door agent or another financial institution FF15.8. When you use a bank account for any financial activity, do you use any o FF15.8. When you use a bank account for any financial activity, do you use any o FF15.8. When you use a bank account for any financial activity, do you use any o FF15.8. When you use a bank account for any financial activity, do you use any o FF15.8. When you use a bank account for any financial activity, do you use any o When you use a bank account for any financial activity, do you use any of the following? Other (Specify) 971 2031 1 Yes 2 No Sysmiss FF15.8. When you use a bank account for any financial activity, do you use any of the following? Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money agent for withdrawal or depositing with FF15.9. When you use a bank account for any financial activity, do you use any o FF15.9. When you use a bank account for any financial activity, do you use any o FF15.9. When you use a bank account for any financial activity, do you use any o FF15.9. When you use a bank account for any financial activity, do you use any o FF15.9. When you use a bank account for any financial activity, do you use any o 971 2031 1 Yes 2 No Sysmiss FF15.9. When you use a bank account for any financial activity, do you use any of the following? Other FF16.9. How far (in km) is the closest ... from the place where you live? Other FF16.9. How far (in km) is the closest ... from the place where you live? Other FF16.9. How far (in km) is the closest ... from the place where you live? Other FF16.9. How far (in km) is the closest ... from the place where you live? Other FF16.9. How far (in km) is the closest ... from the place where you live? Other 3002 1 0.5 km or less 2 More than 0.5 km to 1km 3 More than 1km to 5km 4 More than 5km to 10km 5 More than 10km to 15km 6 More than 15km Sysmiss FF17.9. If you have to walk, how many minutes does it take you to get to the clo FF17.9. If you have to walk, how many minutes does it take you to get to the clo FF17.9. If you have to walk, how many minutes does it take you to get to the clo FF17.9. If you have to walk, how many minutes does it take you to get to the clo FF17.9. If you have to walk, how many minutes does it take you to get to the clo 3002 1 15 minutes or less 2 More than 15 to 30 minutes 3 More than 30 minutes to an hour 4 More than an hour to 2 hours 5 More than 2 hours to 4 hours 6 More than 4 hours Sysmiss FF17.9. If you have to walk, how many minutes does it take you to get to the closest ... from the place where you live? Other FF17A.9. If you have to take any transport to get to the closest ..., what is th FF17A.9. If you have to take any transport to get to the closest ..., what is th FF17A.9. If you have to take any transport to get to the closest ..., what is th FF17A.9. If you have to take any transport to get to the closest ..., what is th FF17A.9. If you have to take any transport to get to the closest ..., what is th 3002 FF17A.9. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? Other FF18.1. Of the different ways you use a bank for financial activities, which is FF18.1. Of the different ways you use a bank for financial activities, which is FF18.1. Of the different ways you use a bank for financial activities, which is FF18.1. Of the different ways you use a bank for financial activities, which is FF18.1. Of the different ways you use a bank for financial activities, which is Of the different ways you use a bank for financial activities, which is your preferred way for these specific activities? Deposits 947 2055 1 Over the counter in a branch of the bank 2 atm 3 Bank's website 4 Mobile app 5 Over the counter at a retail store/designated banking agent 6 Other banking agent 7 Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money Sysmiss FF18.1. Of the different ways you use a bank for financial activities, which is your preferred way for the specific activities? Deposits FF18.2. Of the different ways you use a bank for financial activities, which is FF18.2. Of the different ways you use a bank for financial activities, which is FF18.2. Of the different ways you use a bank for financial activities, which is FF18.2. Of the different ways you use a bank for financial activities, which is FF18.2. Of the different ways you use a bank for financial activities, which is Of the different ways you use a bank for financial activities, which is your preferred way for these specific activities? Withdrawals 453 2549 1 Over the counter in a branch of the bank 2 atm 3 Bank's website 4 Mobile app 5 Over the counter at a retail store/designated banking agent 6 Other banking agent 7 Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money Sysmiss FF18.2. Of the different ways you use a bank for financial activities, which is your preferred way for the specific activities? Withdrawals FF18.3. Of the different ways you use a bank for financial activities, which is FF18.3. Of the different ways you use a bank for financial activities, which is FF18.3. Of the different ways you use a bank for financial activities, which is FF18.3. Of the different ways you use a bank for financial activities, which is FF18.3. Of the different ways you use a bank for financial activities, which is Of the different ways you use a bank for financial activities, which is your preferred way for these specific activities? Routine/daily purchases 12 2990 1 Over the counter in a branch of the bank 2 atm 3 Bank's website 4 Mobile app 5 Over the counter at a retail store/designated banking agent 6 Other banking agent 7 Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money Sysmiss FF18.3. Of the different ways you use a bank for financial activities, which is your preferred way for the specific activities? Routine/daily purchases FF18.4. Of the different ways you use a bank for financial activities, which is FF18.4. Of the different ways you use a bank for financial activities, which is FF18.4. Of the different ways you use a bank for financial activities, which is FF18.4. Of the different ways you use a bank for financial activities, which is FF18.4. Of the different ways you use a bank for financial activities, which is Of the different ways you use a bank for financial activities, which is your preferred way for these specific activities? Bill pay 15 2987 1 Over the counter in a branch of the bank 2 atm 3 Bank's website 4 Mobile app 5 Over the counter at a retail store/designated banking agent 6 Other banking agent 7 Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money Sysmiss FF18.4. Of the different ways you use a bank for financial activities, which is your preferred way for the specific activities? Bill payment FF19.1. Which of the following have you ever done using a bank account? Deposit FF19.1. Which of the following have you ever done using a bank account? Deposit FF19.1. Which of the following have you ever done using a bank account? Deposit FF19.1. Which of the following have you ever done using a bank account? Deposit FF19.1. Which of the following have you ever done using a bank account? Deposit Which of the following have you ever done using a bank account? Deposit money 971 2031 1 Yes 2 No Sysmiss FF19.1. Which of the following have you ever done using a bank account? Deposit money FF20.1. In the past 30 days, how many times did you use a bank account for such FF20.1. In the past 30 days, how many times did you use a bank account for such FF20.1. In the past 30 days, how many times did you use a bank account for such FF20.1. In the past 30 days, how many times did you use a bank account for such FF20.1. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? Deposit money 3002 41 FF20.1. In the past 30 days, how many times did you use a bank account for such activities? Deposit money FF19.2. Which of the following have you ever done using a bank account? Withdraw FF19.2. Which of the following have you ever done using a bank account? Withdraw FF19.2. Which of the following have you ever done using a bank account? Withdraw FF19.2. Which of the following have you ever done using a bank account? Withdraw FF19.2. Which of the following have you ever done using a bank account? Withdraw Which of the following have you ever done using a bank account? Withdraw money 971 2031 1 Yes 2 No Sysmiss FF19.2. Which of the following have you ever done using a bank account? Withdraw money FF20.2. In the past 30 days, how many times did you use a bank account for such FF20.2. In the past 30 days, how many times did you use a bank account for such FF20.2. In the past 30 days, how many times did you use a bank account for such FF20.2. In the past 30 days, how many times did you use a bank account for such FF20.2. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? Withdraw money 3002 36 FF20.2. In the past 30 days, how many times did you use a bank account for such activities? Withdraw money FF19.3. Which of the following have you ever done using a bank account? Buy airt FF19.3. Which of the following have you ever done using a bank account? Buy airt FF19.3. Which of the following have you ever done using a bank account? Buy airt FF19.3. Which of the following have you ever done using a bank account? Buy airt FF19.3. Which of the following have you ever done using a bank account? Buy airt Which of the following have you ever done using a bank account? Buy airtime top-ups 971 2031 1 Yes 2 No Sysmiss FF19.3. Which of the following have you ever done using a bank account? Buy airtime top-ups FF20.3. In the past 30 days, how many times did you use a bank account for such FF20.3. In the past 30 days, how many times did you use a bank account for such FF20.3. In the past 30 days, how many times did you use a bank account for such FF20.3. In the past 30 days, how many times did you use a bank account for such FF20.3. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? Buy airtime top-ups 3002 1 2 3 4 5 7 FF20.3. In the past 30 days, how many times did you use a bank account for such activities? Buy airtime top-ups FF19.4. Which of the following have you ever done using a bank account? Pay a sc FF19.4. Which of the following have you ever done using a bank account? Pay a sc FF19.4. Which of the following have you ever done using a bank account? Pay a sc FF19.4. Which of the following have you ever done using a bank account? Pay a sc FF19.4. Which of the following have you ever done using a bank account? Pay a sc Which of the following have you ever done using a bank account? Pay a school fee 971 2031 1 Yes 2 No Sysmiss FF19.4. Which of the following have you ever done using a bank account? Pay a school fee FF20.4. In the past 30 days, how many times did you use a bank account for such FF20.4. In the past 30 days, how many times did you use a bank account for such FF20.4. In the past 30 days, how many times did you use a bank account for such FF20.4. In the past 30 days, how many times did you use a bank account for such FF20.4. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? Pay a school fee 3002 25 FF20.4. In the past 30 days, how many times did you use a bank account for such activities? Pay a school fee FF19.5. Which of the following have you ever done using a bank account? Pay a me FF19.5. Which of the following have you ever done using a bank account? Pay a me FF19.5. Which of the following have you ever done using a bank account? Pay a me FF19.5. Which of the following have you ever done using a bank account? Pay a me FF19.5. Which of the following have you ever done using a bank account? Pay a me Which of the following have you ever done using a bank account? Pay a medical bill 971 2031 1 Yes 2 No Sysmiss FF19.5. Which of the following have you ever done using a bank account? Pay a medical bill FF20.5. In the past 30 days, how many times did you use a bank account for such FF20.5. In the past 30 days, how many times did you use a bank account for such FF20.5. In the past 30 days, how many times did you use a bank account for such FF20.5. In the past 30 days, how many times did you use a bank account for such FF20.5. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? Pay a medical bill 3002 1 2 FF20.5. In the past 30 days, how many times did you use a bank account for such activities? Pay a medical bill FF19.6. Which of the following have you ever done using a bank account? Pay an e FF19.6. Which of the following have you ever done using a bank account? Pay an e FF19.6. Which of the following have you ever done using a bank account? Pay an e FF19.6. Which of the following have you ever done using a bank account? Pay an e FF19.6. Which of the following have you ever done using a bank account? Pay an e Which of the following have you ever done using a bank account? Pay an electricity bill 971 2031 1 Yes 2 No Sysmiss FF19.6. Which of the following have you ever done using a bank account? Pay an electricity bill FF20.6. In the past 30 days, how many times did you use a bank account for such FF20.6. In the past 30 days, how many times did you use a bank account for such FF20.6. In the past 30 days, how many times did you use a bank account for such FF20.6. In the past 30 days, how many times did you use a bank account for such FF20.6. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? Pay an electricity bill 3002 1 2 6 FF20.6. In the past 30 days, how many times did you use a bank account for such activities? Pay an electricity bill FF19.7. Which of the following have you ever done using a bank account? Pay for FF19.7. Which of the following have you ever done using a bank account? Pay for FF19.7. Which of the following have you ever done using a bank account? Pay for FF19.7. Which of the following have you ever done using a bank account? Pay for FF19.7. Which of the following have you ever done using a bank account? Pay for Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.7. Which of the following have you ever done using a bank account? Pay for water access or delivery FF20.7. In the past 30 days, how many times did you use a bank account for such FF20.7. In the past 30 days, how many times did you use a bank account for such FF20.7. In the past 30 days, how many times did you use a bank account for such FF20.7. In the past 30 days, how many times did you use a bank account for such FF20.7. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 FF20.7. In the past 30 days, how many times did you use a bank account for such activities? Pay for water access or delivery FF19.8. Which of the following have you ever done using a bank account? Pay for FF19.8. Which of the following have you ever done using a bank account? Pay for FF19.8. Which of the following have you ever done using a bank account? Pay for FF19.8. Which of the following have you ever done using a bank account? Pay for FF19.8. Which of the following have you ever done using a bank account? Pay for Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.8. Which of the following have you ever done using a bank account? Pay for solar lantern or a solar home system FF20.8. In the past 30 days, how many times did you use a bank account for such FF20.8. In the past 30 days, how many times did you use a bank account for such FF20.8. In the past 30 days, how many times did you use a bank account for such FF20.8. In the past 30 days, how many times did you use a bank account for such FF20.8. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 FF20.8. In the past 30 days, how many times did you use a bank account for such activities? Pay for solar lantern or a solar home system FF19.9. Which of the following have you ever done using a bank account? Pay TV/c FF19.9. Which of the following have you ever done using a bank account? Pay TV/c FF19.9. Which of the following have you ever done using a bank account? Pay TV/c FF19.9. Which of the following have you ever done using a bank account? Pay TV/c FF19.9. Which of the following have you ever done using a bank account? Pay TV/c Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.9. Which of the following have you ever done using a bank account? Pay TV/cable/satellite bill FF20.9. In the past 30 days, how many times did you use a bank account for such FF20.9. In the past 30 days, how many times did you use a bank account for such FF20.9. In the past 30 days, how many times did you use a bank account for such FF20.9. In the past 30 days, how many times did you use a bank account for such FF20.9. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 FF20.9. In the past 30 days, how many times did you use a bank account for such activities? Pay TV/cable/satellite bill FF19.10. Which of the following have you ever done using a bank account? Pay a g FF19.10. Which of the following have you ever done using a bank account? Pay a g FF19.10. Which of the following have you ever done using a bank account? Pay a g FF19.10. Which of the following have you ever done using a bank account? Pay a g FF19.10. Which of the following have you ever done using a bank account? Pay a g Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.10. Which of the following have you ever done using a bank account? Pay a government bill, including tax, fine or fee FF20.10. In the past 30 days, how many times did you use a bank account for such FF20.10. In the past 30 days, how many times did you use a bank account for such FF20.10. In the past 30 days, how many times did you use a bank account for such FF20.10. In the past 30 days, how many times did you use a bank account for such FF20.10. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 4 FF20.10. In the past 30 days, how many times did you use a bank account for such activities? Pay a government bill, including tax, fine or fee FF19.11. Which of the following have you ever done using a bank account? Pay oth FF19.11. Which of the following have you ever done using a bank account? Pay oth FF19.11. Which of the following have you ever done using a bank account? Pay oth FF19.11. Which of the following have you ever done using a bank account? Pay oth FF19.11. Which of the following have you ever done using a bank account? Pay oth Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.11. Which of the following have you ever done using a bank account? Pay other bill FF20.11. In the past 30 days, how many times did you use a bank account for such FF20.11. In the past 30 days, how many times did you use a bank account for such FF20.11. In the past 30 days, how many times did you use a bank account for such FF20.11. In the past 30 days, how many times did you use a bank account for such FF20.11. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 3 FF20.11. In the past 30 days, how many times did you use a bank account for such activities? Pay other bill FF19.12. Which of the following have you ever done using a bank account? Send mo FF19.12. Which of the following have you ever done using a bank account? Send mo FF19.12. Which of the following have you ever done using a bank account? Send mo FF19.12. Which of the following have you ever done using a bank account? Send mo FF19.12. Which of the following have you ever done using a bank account? Send mo Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.12. Which of the following have you ever done using a bank account? Send money to family members, friends, workmates or other acquaintances for regular support/allowances FF20.12. In the past 30 days, how many times did you use a bank account for such FF20.12. In the past 30 days, how many times did you use a bank account for such FF20.12. In the past 30 days, how many times did you use a bank account for such FF20.12. In the past 30 days, how many times did you use a bank account for such FF20.12. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 3 4 6 12 FF20.12. In the past 30 days, how many times did you use a bank account for such activities? Send money to family members, friends, workmates or other acquaintances for regular support/allowances FF19.13. Which of the following have you ever done using a bank account? Send mo FF19.13. Which of the following have you ever done using a bank account? Send mo FF19.13. Which of the following have you ever done using a bank account? Send mo FF19.13. Which of the following have you ever done using a bank account? Send mo FF19.13. Which of the following have you ever done using a bank account? Send mo Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.13. Which of the following have you ever done using a bank account? Send money to family members, friends, workmates or other acquaintances to help with emergencies FF20.13. In the past 30 days, how many times did you use a bank account for such FF20.13. In the past 30 days, how many times did you use a bank account for such FF20.13. In the past 30 days, how many times did you use a bank account for such FF20.13. In the past 30 days, how many times did you use a bank account for such FF20.13. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 3 4 12 FF20.13. In the past 30 days, how many times did you use a bank account for such activities? Send money to family members, friends, workmates or other acquaintances to help with emergencies FF19.14. Which of the following have you ever done using a bank account? Receive FF19.14. Which of the following have you ever done using a bank account? Receive FF19.14. Which of the following have you ever done using a bank account? Receive FF19.14. Which of the following have you ever done using a bank account? Receive FF19.14. Which of the following have you ever done using a bank account? Receive Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.14. Which of the following have you ever done using a bank account? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances FF20.14. In the past 30 days, how many times did you use a bank account for such FF20.14. In the past 30 days, how many times did you use a bank account for such FF20.14. In the past 30 days, how many times did you use a bank account for such FF20.14. In the past 30 days, how many times did you use a bank account for such FF20.14. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 3 4 15 FF20.14. In the past 30 days, how many times did you use a bank account for such activities? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances FF19.15. Which of the following have you ever done using a bank account? Receive FF19.15. Which of the following have you ever done using a bank account? Receive FF19.15. Which of the following have you ever done using a bank account? Receive FF19.15. Which of the following have you ever done using a bank account? Receive FF19.15. Which of the following have you ever done using a bank account? Receive Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.15. Which of the following have you ever done using a bank account? Receive money from family members, friends, workmates or other acquaintances to help with emergencies FF20.15. In the past 30 days, how many times did you use a bank account for such FF20.15. In the past 30 days, how many times did you use a bank account for such FF20.15. In the past 30 days, how many times did you use a bank account for such FF20.15. In the past 30 days, how many times did you use a bank account for such FF20.15. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 23 FF20.15. In the past 30 days, how many times did you use a bank account for such activities? Receive money from family members, friends, workmates or other acquaintances to help with emergencies FF19.16. Which of the following have you ever done using a bank account? Receive FF19.16. Which of the following have you ever done using a bank account? Receive FF19.16. Which of the following have you ever done using a bank account? Receive FF19.16. Which of the following have you ever done using a bank account? Receive FF19.16. Which of the following have you ever done using a bank account? Receive Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.16. Which of the following have you ever done using a bank account? Receive welfare or pension from the government FF20.16. In the past 30 days, how many times did you use a bank account for such FF20.16. In the past 30 days, how many times did you use a bank account for such FF20.16. In the past 30 days, how many times did you use a bank account for such FF20.16. In the past 30 days, how many times did you use a bank account for such FF20.16. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 FF20.16. In the past 30 days, how many times did you use a bank account for such activities? Receive welfare or pension from the government FF19.17. Which of the following have you ever done using a bank account? Receive FF19.17. Which of the following have you ever done using a bank account? Receive FF19.17. Which of the following have you ever done using a bank account? Receive FF19.17. Which of the following have you ever done using a bank account? Receive FF19.17. Which of the following have you ever done using a bank account? Receive Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.17. Which of the following have you ever done using a bank account? Receive other benefit payments from the government or government agency FF20.17. In the past 30 days, how many times did you use a bank account for such FF20.17. In the past 30 days, how many times did you use a bank account for such FF20.17. In the past 30 days, how many times did you use a bank account for such FF20.17. In the past 30 days, how many times did you use a bank account for such FF20.17. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 FF20.17. In the past 30 days, how many times did you use a bank account for such activities? Receive other benefit payments from the government or government agency FF19.18. Which of the following have you ever done using a bank account? Receive FF19.18. Which of the following have you ever done using a bank account? Receive FF19.18. Which of the following have you ever done using a bank account? Receive FF19.18. Which of the following have you ever done using a bank account? Receive FF19.18. Which of the following have you ever done using a bank account? Receive Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.18. Which of the following have you ever done using a bank account? Receive wages for primary job FF20.18. In the past 30 days, how many times did you use a bank account for such FF20.18. In the past 30 days, how many times did you use a bank account for such FF20.18. In the past 30 days, how many times did you use a bank account for such FF20.18. In the past 30 days, how many times did you use a bank account for such FF20.18. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 30 FF20.18. In the past 30 days, how many times did you use a bank account for such activities? Receive wages for primary job FF19.19. Which of the following have you ever done using a bank account? Receive FF19.19. Which of the following have you ever done using a bank account? Receive FF19.19. Which of the following have you ever done using a bank account? Receive FF19.19. Which of the following have you ever done using a bank account? Receive FF19.19. Which of the following have you ever done using a bank account? Receive Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.19. Which of the following have you ever done using a bank account? Receive wages for secondary job(s) FF20.19. In the past 30 days, how many times did you use a bank account for such FF20.19. In the past 30 days, how many times did you use a bank account for such FF20.19. In the past 30 days, how many times did you use a bank account for such FF20.19. In the past 30 days, how many times did you use a bank account for such FF20.19. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 FF20.19. In the past 30 days, how many times did you use a bank account for such activities? Receive wages for secondary job(s) FF19.20. Which of the following have you ever done using a bank account? Pay for FF19.20. Which of the following have you ever done using a bank account? Pay for FF19.20. Which of the following have you ever done using a bank account? Pay for FF19.20. Which of the following have you ever done using a bank account? Pay for FF19.20. Which of the following have you ever done using a bank account? Pay for Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.20. Which of the following have you ever done using a bank account? Pay for large acquisitions, including land, cattle, residence FF20.20. In the past 30 days, how many times did you use a bank account for such FF20.20. In the past 30 days, how many times did you use a bank account for such FF20.20. In the past 30 days, how many times did you use a bank account for such FF20.20. In the past 30 days, how many times did you use a bank account for such FF20.20. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 FF20.20. In the past 30 days, how many times did you use a bank account for such activities? Pay for large acquisitions, including land, cattle, residence FF19.21. Which of the following have you ever done using a bank account? Make in FF19.21. Which of the following have you ever done using a bank account? Make in FF19.21. Which of the following have you ever done using a bank account? Make in FF19.21. Which of the following have you ever done using a bank account? Make in FF19.21. Which of the following have you ever done using a bank account? Make in Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.21. Which of the following have you ever done using a bank account? Make insurance-related payments FF20.21. In the past 30 days, how many times did you use a bank account for such FF20.21. In the past 30 days, how many times did you use a bank account for such FF20.21. In the past 30 days, how many times did you use a bank account for such FF20.21. In the past 30 days, how many times did you use a bank account for such FF20.21. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 FF20.21. In the past 30 days, how many times did you use a bank account for such activities? Make insurance-related payments FF19.22. Which of the following have you ever done using a bank account? Receive FF19.22. Which of the following have you ever done using a bank account? Receive FF19.22. Which of the following have you ever done using a bank account? Receive FF19.22. Which of the following have you ever done using a bank account? Receive FF19.22. Which of the following have you ever done using a bank account? Receive Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.22. Which of the following have you ever done using a bank account? Receive claims on insurance FF20.22. In the past 30 days, how many times did you use a bank account for such FF20.22. In the past 30 days, how many times did you use a bank account for such FF20.22. In the past 30 days, how many times did you use a bank account for such FF20.22. In the past 30 days, how many times did you use a bank account for such FF20.22. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 FF20.22. In the past 30 days, how many times did you use a bank account for such activities? Receive claims on insurance FF19.23. Which of the following have you ever done using a bank account? Take a FF19.23. Which of the following have you ever done using a bank account? Take a FF19.23. Which of the following have you ever done using a bank account? Take a FF19.23. Which of the following have you ever done using a bank account? Take a FF19.23. Which of the following have you ever done using a bank account? Take a Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.23. Which of the following have you ever done using a bank account? Take a loan or make payments on a loan FF20.23. In the past 30 days, how many times did you use a bank account for such FF20.23. In the past 30 days, how many times did you use a bank account for such FF20.23. In the past 30 days, how many times did you use a bank account for such FF20.23. In the past 30 days, how many times did you use a bank account for such FF20.23. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 FF20.23. In the past 30 days, how many times did you use a bank account for such activities? Take a loan or make payments on a loan FF19.24. Which of the following have you ever done using a bank account? Give a FF19.24. Which of the following have you ever done using a bank account? Give a FF19.24. Which of the following have you ever done using a bank account? Give a FF19.24. Which of the following have you ever done using a bank account? Give a FF19.24. Which of the following have you ever done using a bank account? Give a Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.24. Which of the following have you ever done using a bank account? Give a loan or receive payments on a loan FF20.24. In the past 30 days, how many times did you use a bank account for such FF20.24. In the past 30 days, how many times did you use a bank account for such FF20.24. In the past 30 days, how many times did you use a bank account for such FF20.24. In the past 30 days, how many times did you use a bank account for such FF20.24. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 FF20.24. In the past 30 days, how many times did you use a bank account for such activities? Give a loan or receive payments on a loan FF19.25. Which of the following have you ever done using a bank account? Save mo FF19.25. Which of the following have you ever done using a bank account? Save mo FF19.25. Which of the following have you ever done using a bank account? Save mo FF19.25. Which of the following have you ever done using a bank account? Save mo FF19.25. Which of the following have you ever done using a bank account? Save mo Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.25. Which of the following have you ever done using a bank account? Save money for a future purchase or payment FF20.25. In the past 30 days, how many times did you use a bank account for such FF20.25. In the past 30 days, how many times did you use a bank account for such FF20.25. In the past 30 days, how many times did you use a bank account for such FF20.25. In the past 30 days, how many times did you use a bank account for such FF20.25. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 3 6 FF20.25. In the past 30 days, how many times did you use a bank account for such activities? Save money for a future purchase or payment FF19.26. Which of the following have you ever done using a bank account? Set asi FF19.26. Which of the following have you ever done using a bank account? Set asi FF19.26. Which of the following have you ever done using a bank account? Set asi FF19.26. Which of the following have you ever done using a bank account? Set asi FF19.26. Which of the following have you ever done using a bank account? Set asi Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.26. Which of the following have you ever done using a bank account? Set aside money for pension, paid pension contributions FF20.26. In the past 30 days, how many times did you use a bank account for such FF20.26. In the past 30 days, how many times did you use a bank account for such FF20.26. In the past 30 days, how many times did you use a bank account for such FF20.26. In the past 30 days, how many times did you use a bank account for such FF20.26. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 FF20.26. In the past 30 days, how many times did you use a bank account for such activities? Set aside money for pension, paid pension contributions FF19.27. Which of the following have you ever done using a bank account? Set mon FF19.27. Which of the following have you ever done using a bank account? Set mon FF19.27. Which of the following have you ever done using a bank account? Set mon FF19.27. Which of the following have you ever done using a bank account? Set mon FF19.27. Which of the following have you ever done using a bank account? Set mon Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.27. Which of the following have you ever done using a bank account? Set money aside just in case/for an undetermined purpose FF20.27. In the past 30 days, how many times did you use a bank account for such FF20.27. In the past 30 days, how many times did you use a bank account for such FF20.27. In the past 30 days, how many times did you use a bank account for such FF20.27. In the past 30 days, how many times did you use a bank account for such FF20.27. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 3 4 7 FF20.27. In the past 30 days, how many times did you use a bank account for such activities? Set money aside just in case/for an undetermined purpose FF19.28. Which of the following have you ever done using a bank account? Make an FF19.28. Which of the following have you ever done using a bank account? Make an FF19.28. Which of the following have you ever done using a bank account? Make an FF19.28. Which of the following have you ever done using a bank account? Make an FF19.28. Which of the following have you ever done using a bank account? Make an Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.28. Which of the following have you ever done using a bank account? Make an investment, including buy stock or shares FF20.28. In the past 30 days, how many times did you use a bank account for such FF20.28. In the past 30 days, how many times did you use a bank account for such FF20.28. In the past 30 days, how many times did you use a bank account for such FF20.28. In the past 30 days, how many times did you use a bank account for such FF20.28. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 7 FF20.28. In the past 30 days, how many times did you use a bank account for such activities? Make an investment, including buy stock or shares FF19.29. Which of the following have you ever done using a bank account? Pay in FF19.29. Which of the following have you ever done using a bank account? Pay in FF19.29. Which of the following have you ever done using a bank account? Pay in FF19.29. Which of the following have you ever done using a bank account? Pay in FF19.29. Which of the following have you ever done using a bank account? Pay in Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.29. Which of the following have you ever done using a bank account? Pay in person for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport FF20.29. In the past 30 days, how many times did you use a bank account for such FF20.29. In the past 30 days, how many times did you use a bank account for such FF20.29. In the past 30 days, how many times did you use a bank account for such FF20.29. In the past 30 days, how many times did you use a bank account for such FF20.29. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 30 FF20.29. In the past 30 days, how many times did you use a bank account for such activities? Pay in person for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport FF19.30. Which of the following have you ever done using a bank account? Pay rem FF19.30. Which of the following have you ever done using a bank account? Pay rem FF19.30. Which of the following have you ever done using a bank account? Pay rem FF19.30. Which of the following have you ever done using a bank account? Pay rem FF19.30. Which of the following have you ever done using a bank account? Pay rem Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.30. Which of the following have you ever done using a bank account? Pay remotely for goods and services FF20.30. In the past 30 days, how many times did you use a bank account for such FF20.30. In the past 30 days, how many times did you use a bank account for such FF20.30. In the past 30 days, how many times did you use a bank account for such FF20.30. In the past 30 days, how many times did you use a bank account for such FF20.30. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 FF20.30. In the past 30 days, how many times did you use a bank account for such activities? Pay remotely for goods and services FF19.31. Which of the following have you ever done using a bank account? Transfe FF19.31. Which of the following have you ever done using a bank account? Transfe FF19.31. Which of the following have you ever done using a bank account? Transfe FF19.31. Which of the following have you ever done using a bank account? Transfe FF19.31. Which of the following have you ever done using a bank account? Transfe Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.31. Which of the following have you ever done using a bank account? Transfer money from one bank account to another bank account FF20.31. In the past 30 days, how many times did you use a bank account for such FF20.31. In the past 30 days, how many times did you use a bank account for such FF20.31. In the past 30 days, how many times did you use a bank account for such FF20.31. In the past 30 days, how many times did you use a bank account for such FF20.31. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 5 FF20.31. In the past 30 days, how many times did you use a bank account for such activities? Transfer money from one bank account to another bank account FF19.32. Which of the following have you ever done using a bank account? Transfe FF19.32. Which of the following have you ever done using a bank account? Transfe FF19.32. Which of the following have you ever done using a bank account? Transfe FF19.32. Which of the following have you ever done using a bank account? Transfe FF19.32. Which of the following have you ever done using a bank account? Transfe Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.32. Which of the following have you ever done using a bank account? Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account FF20.32. In the past 30 days, how many times did you use a bank account for such FF20.32. In the past 30 days, how many times did you use a bank account for such FF20.32. In the past 30 days, how many times did you use a bank account for such FF20.32. In the past 30 days, how many times did you use a bank account for such FF20.32. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 FF20.32. In the past 30 days, how many times did you use a bank account for such activities? Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account FF19.33. Which of the following have you ever done using a bank account? Transfe FF19.33. Which of the following have you ever done using a bank account? Transfe FF19.33. Which of the following have you ever done using a bank account? Transfe FF19.33. Which of the following have you ever done using a bank account? Transfe FF19.33. Which of the following have you ever done using a bank account? Transfe Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.33. Which of the following have you ever done using a bank account? Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.) FF20.33. In the past 30 days, how many times did you use a bank account for such FF20.33. In the past 30 days, how many times did you use a bank account for such FF20.33. In the past 30 days, how many times did you use a bank account for such FF20.33. In the past 30 days, how many times did you use a bank account for such FF20.33. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 2 10 FF20.33. In the past 30 days, how many times did you use a bank account for such activities? Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.) FF19.34. Which of the following have you ever done using a bank account? Pay ren FF19.34. Which of the following have you ever done using a bank account? Pay ren FF19.34. Which of the following have you ever done using a bank account? Pay ren FF19.34. Which of the following have you ever done using a bank account? Pay ren FF19.34. Which of the following have you ever done using a bank account? Pay ren Which of the following have you ever done using a bank account? 971 2031 1 Yes 2 No Sysmiss FF19.34. Which of the following have you ever done using a bank account? Pay rent FF20.34. In the past 30 days, how many times did you use a bank account for such FF20.34. In the past 30 days, how many times did you use a bank account for such FF20.34. In the past 30 days, how many times did you use a bank account for such FF20.34. In the past 30 days, how many times did you use a bank account for such FF20.34. In the past 30 days, how many times did you use a bank account for such In the past 30 days, how many times did you use a bank account for such activities? 3002 1 FF20.34. In the past 30 days, how many times did you use a bank account for such activities? Pay rent FF21.1. Do you use a bank account for the following business payments/purchases? FF21.1. Do you use a bank account for the following business payments/purchases? FF21.1. Do you use a bank account for the following business payments/purchases? FF21.1. Do you use a bank account for the following business payments/purchases? FF21.1. Do you use a bank account for the following business payments/purchases? Do you use a bankaccount for the following business payments/purchases? Pay employees 971 2031 1 Yes 2 No Sysmiss FF21.1. Do you use a bank account for the following business payments/purchases? Pay employees FF21.2. Do you use a bank account for the following business payments/purchases? FF21.2. Do you use a bank account for the following business payments/purchases? FF21.2. Do you use a bank account for the following business payments/purchases? FF21.2. Do you use a bank account for the following business payments/purchases? FF21.2. Do you use a bank account for the following business payments/purchases? Do you use a bankaccount for the following business payments/purchases? Pay suppliers 971 2031 1 Yes 2 No Sysmiss FF21.2. Do you use a bank account for the following business payments/purchases? Pay suppliers FF21.3. Do you use a bank account for the following business payments/purchases? FF21.3. Do you use a bank account for the following business payments/purchases? FF21.3. Do you use a bank account for the following business payments/purchases? FF21.3. Do you use a bank account for the following business payments/purchases? FF21.3. Do you use a bank account for the following business payments/purchases? Do you use a bankaccount for the following business payments/purchases? Receive payments from customers 971 2031 1 Yes 2 No Sysmiss FF21.3. Do you use a bank account for the following business payments/purchases? Receive payments from customers FF21.4. Do you use a bank account for the following business payments/purchases? FF21.4. Do you use a bank account for the following business payments/purchases? FF21.4. Do you use a bank account for the following business payments/purchases? FF21.4. Do you use a bank account for the following business payments/purchases? FF21.4. Do you use a bank account for the following business payments/purchases? Do you use a bankaccount for the following business payments/purchases? Receive payments from distributors 971 2031 1 Yes 2 No Sysmiss FF21.4. Do you use a bank account for the following business payments/purchases? Receive payments from distributors FF21.5. Do you use a bank account for the following business payments/purchases? FF21.5. Do you use a bank account for the following business payments/purchases? FF21.5. Do you use a bank account for the following business payments/purchases? FF21.5. Do you use a bank account for the following business payments/purchases? FF21.5. Do you use a bank account for the following business payments/purchases? Do you use a bankaccount for the following business payments/purchases? Make investment, for example buy new equipment or expand the office/business building 971 2031 1 Yes 2 No Sysmiss FF21.5. Do you use a bank account for the following business payments/purchases? Make investment, for example buy new equipment or expand the office/business building FF21.6. Do you use a bank account for the following business payments/purchases? FF21.6. Do you use a bank account for the following business payments/purchases? FF21.6. Do you use a bank account for the following business payments/purchases? FF21.6. Do you use a bank account for the following business payments/purchases? FF21.6. Do you use a bank account for the following business payments/purchases? Do you use a bankaccount for the following business payments/purchases? Pay business-associated expenses, including rent, taxes, utility and transportation bills 971 2031 1 Yes 2 No Sysmiss FF21.6. Do you use a bank account for the following business payments/purchases? Pay business-associated expenses, including rent, taxes, utility and transportation bills FF21.7. Do you use a bank account for the following business payments/purchases? FF21.7. Do you use a bank account for the following business payments/purchases? FF21.7. Do you use a bank account for the following business payments/purchases? FF21.7. Do you use a bank account for the following business payments/purchases? FF21.7. Do you use a bank account for the following business payments/purchases? Do you use a bankaccount for the following business payments/purchases? Pay for agricultural supplies (seeds, pesticides, fertilizers, etc.) 971 2031 1 Yes 2 No Sysmiss FF21.7. Do you use a bank account for the following business payments/purchases? Pay for agricultural inputs (seeds, pesticides, fertilizers, etc.) FF21.8. Do you use a bank account for the following business payments/purchases? FF21.8. Do you use a bank account for the following business payments/purchases? FF21.8. Do you use a bank account for the following business payments/purchases? FF21.8. Do you use a bank account for the following business payments/purchases? FF21.8. Do you use a bank account for the following business payments/purchases? Do you use a bankaccount for the following business payments/purchases? Other (Specify) 971 2031 1 Yes 2 No Sysmiss FF21.8. Do you use a bank account for the following business payments/purchases? Other FF21.9. Do you use a bank account for the following business payments/purchases? FF21.9. Do you use a bank account for the following business payments/purchases? FF21.9. Do you use a bank account for the following business payments/purchases? FF21.9. Do you use a bank account for the following business payments/purchases? FF21.9. Do you use a bank account for the following business payments/purchases? Do you use a bankaccount for the following business payments/purchases? I do not use my bank/MFI account to make business transactions 971 2031 1 Yes 2 No Sysmiss FF21.9. Do you use a bank account for the following business payments/purchases? I do not use my bank/MFI account to make business transactions FF22.1. You said you do not use this bank account for any business payments/purc FF22.1. You said you do not use this bank account for any business payments/purc FF22.1. You said you do not use this bank account for any business payments/purc FF22.1. You said you do not use this bank account for any business payments/purc FF22.1. You said you do not use this bank account for any business payments/purc You said you do not use this bank account for any business payments/purchases. Please tell me why? I do not have a business 745 2257 1 Yes 2 No Sysmiss FF22.1. You said you do not use this bank account for any business payments/purchases. Please tell me why? I do not have a business FF22.2. You said you do not use this bank account for any business payments/purc FF22.2. You said you do not use this bank account for any business payments/purc FF22.2. You said you do not use this bank account for any business payments/purc FF22.2. You said you do not use this bank account for any business payments/purc FF22.2. You said you do not use this bank account for any business payments/purc You said you do not use this bank account for any business payments/purchases. Please tell me why? I will have to pay extra taxes 745 2257 1 Yes 2 No Sysmiss FF22.2. You said you do not use this bank account for any business payments/purchases. Please tell me why? I will have to pay extra taxes FF22.3. You said you do not use this bank account for any business payments/purc FF22.3. You said you do not use this bank account for any business payments/purc FF22.3. You said you do not use this bank account for any business payments/purc FF22.3. You said you do not use this bank account for any business payments/purc FF22.3. You said you do not use this bank account for any business payments/purc You said you do not use this bank account for any business payments/purchases. Please tell me why? I will have to pay bribes to government officials to avoid taxation/licensing/paper work 745 2257 1 Yes 2 No Sysmiss FF22.3. You said you do not use this bank account for any business payments/purchases. Please tell me why? I will have to pay bribes to government officials to avoid taxation/licensing/paper work FF22.4. You said you do not use this bank account for any business payments/purc FF22.4. You said you do not use this bank account for any business payments/purc FF22.4. You said you do not use this bank account for any business payments/purc FF22.4. You said you do not use this bank account for any business payments/purc FF22.4. You said you do not use this bank account for any business payments/purc You said you do not use this bank account for any business payments/purchases. Please tell me why? My business is not registered, it is not formal 745 2257 1 Yes 2 No Sysmiss FF22.4. You said you do not use this bank account for any business payments/purchases. Please tell me why? My business is not registered, it is not formal FF22.5. You said you do not use this bank account for any business payments/purc FF22.5. You said you do not use this bank account for any business payments/purc FF22.5. You said you do not use this bank account for any business payments/purc FF22.5. You said you do not use this bank account for any business payments/purc FF22.5. You said you do not use this bank account for any business payments/purc You said you do not use this bank account for any business payments/purchases. Please tell me why? To pay account fees I will have to raise prices and people won’t buy from me 745 2257 1 Yes 2 No Sysmiss FF22.5. You said you do not use this bank account for any business payments/purchases. Please tell me why? To pay account fees I will have to raise prices and people won't buy from me FF22.6. You said you do not use this bank account for any business payments/purc FF22.6. You said you do not use this bank account for any business payments/purc FF22.6. You said you do not use this bank account for any business payments/purc FF22.6. You said you do not use this bank account for any business payments/purc FF22.6. You said you do not use this bank account for any business payments/purc You said you do not use this bank account for any business payments/purchases. Please tell me why? My business is too small to need a bank account 745 2257 1 Yes 2 No Sysmiss FF22.6. You said you do not use this bank account for any business payments/purchases. Please tell me why? My business is too small to need a bank account FF22.7. You said you do not use this bank account for any business payments/purc FF22.7. You said you do not use this bank account for any business payments/purc FF22.7. You said you do not use this bank account for any business payments/purc FF22.7. You said you do not use this bank account for any business payments/purc FF22.7. You said you do not use this bank account for any business payments/purc You said you do not use this bank account for any business payments/purchases. Please tell me why? I use other methods of payment 745 2257 1 Yes 2 No Sysmiss FF22.7. You said you do not use this bank account for any business payments/purchases. Please tell me why? I use other methods of payment FF22.8. You said you do not use this bank account for any business payments/purc FF22.8. You said you do not use this bank account for any business payments/purc FF22.8. You said you do not use this bank account for any business payments/purc FF22.8. You said you do not use this bank account for any business payments/purc FF22.8. You said you do not use this bank account for any business payments/purc You said you do not use this bank account for any business payments/purchases. Please tell me why? Other 745 2257 1 Yes 2 No Sysmiss FF22.8. You said you do not use this bank account for any business payments/purchases. Please tell me why? Other FF22.9. You said you do not use this bank account for any business payments/purc FF22.9. You said you do not use this bank account for any business payments/purc FF22.9. You said you do not use this bank account for any business payments/purc FF22.9. You said you do not use this bank account for any business payments/purc FF22.9. You said you do not use this bank account for any business payments/purc You said you do not use this bank account for any business payments/purchases. Please tell me why? DK/Refused 745 2257 1 Yes 2 No Sysmiss FF22.9. You said you do not use this bank account for any business payments/purchases. Please tell me why? DK/Refused FF23. What was the date of the activity? FF23. What was the date of the activity? FF23. What was the date of the activity? FF23. What was the date of the activity? FF23. What was the date of the activity? Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank. What was the date of the activity? 3002 -99 122014 FF23A. What type of transactions was it (i.e. sending money, depositing, withdra FF23A. What type of transactions was it (i.e. sending money, depositing, withdra FF23A. What type of transactions was it (i.e. sending money, depositing, withdra FF23A. What type of transactions was it (i.e. sending money, depositing, withdra FF23A. What type of transactions was it (i.e. sending money, depositing, withdra Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank. What type of transactions was it (i.e., sending money, depositing, withdrawing, airtime top ups, etc.)? 855 BOTH CHECK BALANCE DEOPOSITING DEPOSIT DEPOSIT MONEY DEPOSIT/WITHDRAWAL DEPOSITE DEPOSITE AND WITHDRAWING DEPOSITIN G DEPOSITING DEPOSITING WITHDRAWING DEPOSITING, WITHDRAWING DEPOSITTING DEPSITING DRAWING PAYMENT OF SCHOOL FEES RECEIVING SAVINGS SENDING SENDING MONEY SENDING WITHDRAWING TAKE A BANK ACCOUNT WENT FOR A STATEMENT WITDRAW WITDRAWAL WITH DRAWAL WITHDARAWAL WITHDRAW WITHDRAW MONEY WITHDRAWAL WITHDRAWAL OF MONEY WITHDRAWING WITHDRAWING DEPOSITING WITHDRWAL WITHRWAL deposit depositing saving withdraw withdrawal withdrawing FF23A. What type of transactions was it (i.e. sending money, depositing, withdrawing, airtime top ups, etc.)? FF24. How long did it take you to get to the bank? (Minutes) FF24. How long did it take you to get to the bank? (Minutes) FF24. How long did it take you to get to the bank? (Minutes) FF24. How long did it take you to get to the bank? (Minutes) FF24. How long did it take you to get to the bank? (Minutes) Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank. How long did it take you to get to the bank? 3002 999 FF25. How much, if anything, did you have to pay in transportation costs? (GHS) FF25. How much, if anything, did you have to pay in transportation costs? (GHS) FF25. How much, if anything, did you have to pay in transportation costs? (GHS) FF25. How much, if anything, did you have to pay in transportation costs? (GHS) FF25. How much, if anything, did you have to pay in transportation costs? (GHS) Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank. How much, if anything, did you have to pay in transportation costs? 3002 -9999 400 FF26. What was the amount of your transaction? (GHS) FF26. What was the amount of your transaction? (GHS) FF26. What was the amount of your transaction? (GHS) FF26. What was the amount of your transaction? (GHS) FF26. What was the amount of your transaction? (GHS) Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank. What was the amount of your transaction? 3002 10000 FF27. How long did the activity take, including standing in the queue? (Minutes) FF27. How long did the activity take, including standing in the queue? (Minutes) FF27. How long did the activity take, including standing in the queue? (Minutes) FF27. How long did the activity take, including standing in the queue? (Minutes) FF27. How long did the activity take, including standing in the queue? (Minutes) Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank. How long did the activity take, including standing in the queue? 3002 999 FF28. How much did you have to pay for the financial activity? (GHS) FF28. How much did you have to pay for the financial activity? (GHS) FF28. How much did you have to pay for the financial activity? (GHS) FF28. How much did you have to pay for the financial activity? (GHS) FF28. How much did you have to pay for the financial activity? (GHS) Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank. How much did you have to pay for the financial activity? 3002 -9999 300 FF29. Did the agent/teller charge you extra fees beyond official fees for the tr FF29. Did the agent/teller charge you extra fees beyond official fees for the tr FF29. Did the agent/teller charge you extra fees beyond official fees for the tr FF29. Did the agent/teller charge you extra fees beyond official fees for the tr FF29. Did the agent/teller charge you extra fees beyond official fees for the tr Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank. Did the agent/teller charged you extra fees beyond official fees for the transaction? 855 2147 1 Yes 2 No 3 Dk/Refused Sysmiss FF29. Did the agent/teller charge you extra fees beyond official fees for the transaction? FF30. Were you able to complete the activity? FF30. Were you able to complete the activity? FF30. Were you able to complete the activity? FF30. Were you able to complete the activity? FF30. Were you able to complete the activity? Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank. Were you able to complete the activity? 855 2147 1 Yes 2 No Sysmiss MM1. Have you ever heard of something called Mobile Money? MM1. Have you ever heard of something called Mobile Money? MM1. Have you ever heard of something called Mobile Money? MM1. Have you ever heard of something called Mobile Money? MM1. Have you ever heard of something called Mobile Money? Have you ever heard of something called Mobile Money? 3002 1 Yes 2 No MM2.1. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.1. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.1. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.1. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.1. Tell me the name of mobile money service that you are aware of? Spontaneo Please tell me the names of any mobile money services that you are aware of? 3002 1 Yes 2 No MM2.1. Tell me the name of mobile money service that you are aware of? Spontaneous recall MTN Mobile money MM2.2. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.2. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.2. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.2. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.2. Tell me the name of mobile money service that you are aware of? Spontaneo Please tell me the names of any mobile money services that you are aware of? 3002 1 Yes 2 No MM2.2. Tell me the name of mobile money service that you are aware of? Spontaneous recall Airtel Money MM2.3. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.3. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.3. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.3. Tell me the name of mobile money service that you are aware of? Spontaneo MM2.3. Tell me the name of mobile money service that you are aware of? Spontaneo Please tell me the names of any mobile money services that you are aware of? 3002 1 Yes 2 No MM2.3. Tell me the name of mobile money service that you are aware of? Spontaneous recall Tigo cash MM3.1. Have you ever heard about the following mobile money service? Prompted re MM3.1. Have you ever heard about the following mobile money service? Prompted re MM3.1. Have you ever heard about the following mobile money service? Prompted re MM3.1. Have you ever heard about the following mobile money service? Prompted re MM3.1. Have you ever heard about the following mobile money service? Prompted re Have you ever heard about the following mobile money services? 345 2657 1 Yes 2 No Sysmiss MM3.1. Have you ever heard about the following mobile money service? Prompted recall MTN Mobile money MM3.2. Have you ever heard about the following mobile money service? Prompted re MM3.2. Have you ever heard about the following mobile money service? Prompted re MM3.2. Have you ever heard about the following mobile money service? Prompted re MM3.2. Have you ever heard about the following mobile money service? Prompted re MM3.2. Have you ever heard about the following mobile money service? Prompted re Have you ever heard about the following mobile money services? 1797 1205 1 Yes 2 No Sysmiss MM3.2. Have you ever heard about the following mobile money service? Prompted recall Airtel Money MM3.3. Have you ever heard about the following mobile money service? Prompted re MM3.3. Have you ever heard about the following mobile money service? Prompted re MM3.3. Have you ever heard about the following mobile money service? Prompted re MM3.3. Have you ever heard about the following mobile money service? Prompted re MM3.3. Have you ever heard about the following mobile money service? Prompted re Have you ever heard about the following mobile money services? 1485 1517 1 Yes 2 No Sysmiss MM3.3. Have you ever heard about the following mobile money service? Prompted recall Tigo cash MM4.1. From which source of information did you first learn about this mobile mo MM4.1. From which source of information did you first learn about this mobile mo MM4.1. From which source of information did you first learn about this mobile mo MM4.1. From which source of information did you first learn about this mobile mo MM4.1. From which source of information did you first learn about this mobile mo From which source of information did you first heard about this mobile money service? 2841 161 1 Radio 2 tv 3 Billboards/posters 4 Newspapers or magazines 5 Family members in this household 6 Family members in another household 7 Other relatives, friends, neighbors 8 Workmates or business partners 9 Customers of your business 10 Elected/administrative officials 11 Employees of a bank or MFI 12 Members of an informal financial group, including a village savings association, cooperative, merry-go-round, etc. 13 Transactional mobile money agents 14 Field agents/promoters of mobile money 15 SMS alerts from providers 16 Street events, bus/track announcers 17 Other Sysmiss MM4.1. From which source of information did you first learn about this mobile money service? MTN Mobile money MM4.2. From which source of information did you first learn about this mobile mo MM4.2. From which source of information did you first learn about this mobile mo MM4.2. From which source of information did you first learn about this mobile mo MM4.2. From which source of information did you first learn about this mobile mo MM4.2. From which source of information did you first learn about this mobile mo From which source of information did you first heard about this mobile money service? 2181 821 1 Radio 2 tv 3 Billboards/posters 4 Newspapers or magazines 5 Family members in this household 6 Family members in another household 7 Other relatives, friends, neighbors 8 Workmates or business partners 9 Customers of your business 10 Elected/administrative officials 11 Employees of a bank or MFI 12 Members of an informal financial group, including a village savings association, cooperative, merry-go-round, etc. 13 Transactional mobile money agents 14 Field agents/promoters of mobile money 15 SMS alerts from providers 16 Street events, bus/track announcers 17 Other Sysmiss MM4.2. From which source of information did you first learn about this mobile money service? Airtel Money MM4.3. From which source of information did you first learn about this mobile mo MM4.3. From which source of information did you first learn about this mobile mo MM4.3. From which source of information did you first learn about this mobile mo MM4.3. From which source of information did you first learn about this mobile mo MM4.3. From which source of information did you first learn about this mobile mo From which source of information did you first heard about this mobile money service? 2356 646 1 Radio 2 tv 3 Billboards/posters 4 Newspapers or magazines 5 Family members in this household 6 Family members in another household 7 Other relatives, friends, neighbors 8 Workmates or business partners 9 Customers of your business 10 Elected/administrative officials 11 Employees of a bank or MFI 12 Members of an informal financial group, including a village savings association, cooperative, merry-go-round, etc. 13 Transactional mobile money agents 14 Field agents/promoters of mobile money 15 SMS alerts from providers 16 Street events, bus/track announcers 17 Other Sysmiss MM4.3. From which source of information did you first learn about this mobile money service? Tigo cash MM5.1. Have you ever used this mobile money service for any financial activity? MM5.1. Have you ever used this mobile money service for any financial activity? MM5.1. Have you ever used this mobile money service for any financial activity? MM5.1. Have you ever used this mobile money service for any financial activity? MM5.1. Have you ever used this mobile money service for any financial activity? Have you ever used this mobile money service for any financial activity, for example, depositing and withdrawing money, paying bills, etc.? MTN Mobile Money 2841 161 1 Yes 2 No Sysmiss MM5.1. Have you ever used this mobile money service for any financial activity? MTN Mobile money MM6.1. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.1. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.1. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.1. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.1. When did you start using mobile money with this provider? (mm/yyyy) (-99= When did you start using mobile money with this provider? MTN Mobile Money 3002 -992014 122014 MM6.1. When did you start using mobile money with this provider? (mm/yyyy) (-99=DK/Refused) MTN Mobile money MM7.1. Apart from today, when was the last time you conducted any financial acti MM7.1. Apart from today, when was the last time you conducted any financial acti MM7.1. Apart from today, when was the last time you conducted any financial acti MM7.1. Apart from today, when was the last time you conducted any financial acti MM7.1. Apart from today, when was the last time you conducted any financial acti Apart from today, when was the last time you conducted any financial activity with this mobile money service? MTN Mobile Money 788 2214 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss MM7.1. Apart from today, when was the last time you conducted any financial activity with this mobile money service? MTN Mobile money MM8.1. Do you have a registered account in your name with this mobile money serv MM8.1. Do you have a registered account in your name with this mobile money serv MM8.1. Do you have a registered account in your name with this mobile money serv MM8.1. Do you have a registered account in your name with this mobile money serv MM8.1. Do you have a registered account in your name with this mobile money serv Do you have a registered account (account registered in your name) with this mobile money service? MTN Mobile Money 2841 161 1 Yes 2 No Sysmiss MM8.1. Do you have a registered account in your name with this mobile money service? MTN Mobile money MM9.1. When did you register for this account?(mm/yyyy )(-99=DK/Refused) MTN Mob MM9.1. When did you register for this account?(mm/yyyy )(-99=DK/Refused) MTN Mob MM9.1. When did you register for this account?(mm/yyyy )(-99=DK/Refused) MTN Mob MM9.1. When did you register for this account?(mm/yyyy )(-99=DK/Refused) MTN Mob MM9.1. When did you register for this account?(mm/yyyy )(-99=DK/Refused) MTN Mob When did you register for this account? MTN Mobile Money 3002 -992014 122014 MM9.1. When did you register for this account?(mm/yyyy )(-99=DK/Refused) MTN Mobile money MM10.1. Was it before or after you started using mobile money services? MTN Mobi MM10.1. Was it before or after you started using mobile money services? MTN Mobi MM10.1. Was it before or after you started using mobile money services? MTN Mobi MM10.1. Was it before or after you started using mobile money services? MTN Mobi MM10.1. Was it before or after you started using mobile money services? MTN Mobi Was it before or after you started using mobile money services? MTN Mobile Money 3002 1 Before 2 After 3 DK/Refused Sysmiss MM10.1. Was it before or after you started using mobile money services? MTN Mobile money MM5.2. Have you ever used this mobile money service for any financial activity? MM5.2. Have you ever used this mobile money service for any financial activity? MM5.2. Have you ever used this mobile money service for any financial activity? MM5.2. Have you ever used this mobile money service for any financial activity? MM5.2. Have you ever used this mobile money service for any financial activity? Have you ever used this mobile money service for any financial activity, for example, depositing and withdrawing money, paying bills, etc.? Airtel Money 2181 821 1 Yes 2 No Sysmiss MM5.2. Have you ever used this mobile money service for any financial activity? Airtel Money MM6.2. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.2. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.2. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.2. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.2. When did you start using mobile money with this provider? (mm/yyyy) (-99= When did you start using mobile money with this provider? Airtel Money 3002 -992014 122014 MM6.2. When did you start using mobile money with this provider? (mm/yyyy) (-99=DK/Refused) Airtel Money MM7.2. Apart from today, when was the last time you conducted any financial acti MM7.2. Apart from today, when was the last time you conducted any financial acti MM7.2. Apart from today, when was the last time you conducted any financial acti MM7.2. Apart from today, when was the last time you conducted any financial acti MM7.2. Apart from today, when was the last time you conducted any financial acti Apart from today, when was the last time you conducted any financial activity with this mobile money service? Airtel Money 64 2938 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss MM7.2. Apart from today, when was the last time you conducted any financial activity with this mobile money service? Airtel Money MM8.2. Do you have a registered account (account registered in your name) with t MM8.2. Do you have a registered account (account registered in your name) with t MM8.2. Do you have a registered account (account registered in your name) with t MM8.2. Do you have a registered account (account registered in your name) with t MM8.2. Do you have a registered account (account registered in your name) with t Do you have a registered account (account registered in your name) with this mobile money service? Airtel Money 2181 821 1 Yes 2 No Sysmiss MM8.2. Do you have a registered account (account registered in your name) with this mobile money service? Airtel Money MM9.2. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Airtel MM9.2. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Airtel MM9.2. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Airtel MM9.2. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Airtel MM9.2. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Airtel When did you register for this account? Airtel Money 3002 -992014 122014 MM9.2. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Airtel Money MM10.2. Was it before or after you started using mobile money services? Airtel M MM10.2. Was it before or after you started using mobile money services? Airtel M MM10.2. Was it before or after you started using mobile money services? Airtel M MM10.2. Was it before or after you started using mobile money services? Airtel M MM10.2. Was it before or after you started using mobile money services? Airtel M Was it before or after you started using mobile money services? Airtel Money 3002 1 Before 2 After 3 DK/Refused Sysmiss MM10.2. Was it before or after you started using mobile money services? Airtel Money MM5.3. Have you ever used this mobile money service for any financial activity? MM5.3. Have you ever used this mobile money service for any financial activity? MM5.3. Have you ever used this mobile money service for any financial activity? MM5.3. Have you ever used this mobile money service for any financial activity? MM5.3. Have you ever used this mobile money service for any financial activity? Have you ever used this mobile money service for any financial activity, for example, depositing and withdrawing money, paying bills, etc.? Tigo Cash 2356 646 1 Yes 2 No Sysmiss MM5.3. Have you ever used this mobile money service for any financial activity? Tigo cash MM6.3. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.3. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.3. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.3. When did you start using mobile money with this provider? (mm/yyyy) (-99= MM6.3. When did you start using mobile money with this provider? (mm/yyyy) (-99= When did you start using mobile money with this provider? Tigo Cash 3002 -992014 122014 MM6.3. When did you start using mobile money with this provider? (mm/yyyy) (-99=DK/Refused) Tigo cash MM7.3. Apart from today, when was the last time you conducted any financial acti MM7.3. Apart from today, when was the last time you conducted any financial acti MM7.3. Apart from today, when was the last time you conducted any financial acti MM7.3. Apart from today, when was the last time you conducted any financial acti MM7.3. Apart from today, when was the last time you conducted any financial acti Apart from today, when was the last time you conducted any financial activity with this mobile money service? Tigo Cash 169 2833 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss MM7.3. Apart from today, when was the last time you conducted any financial activity with this mobile money service? Tigo cash MM8.3. Do you have a registered account (account registered in your name) with t MM8.3. Do you have a registered account (account registered in your name) with t MM8.3. Do you have a registered account (account registered in your name) with t MM8.3. Do you have a registered account (account registered in your name) with t MM8.3. Do you have a registered account (account registered in your name) with t Do you have a registered account (account registered in your name) with this mobile money service? Tigo Cash 2356 646 1 Yes 2 No Sysmiss MM8.3. Do you have a registered account (account registered in your name) with this mobile money service? Tigo cash MM9.3. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Tigo c MM9.3. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Tigo c MM9.3. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Tigo c MM9.3. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Tigo c MM9.3. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Tigo c When did you register for this account? Tigo Cash 3002 -992014 122014 MM9.3. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Tigo cash MM10.3. Was it before or after you started using mobile money services? Tigo cas MM10.3. Was it before or after you started using mobile money services? Tigo cas MM10.3. Was it before or after you started using mobile money services? Tigo cas MM10.3. Was it before or after you started using mobile money services? Tigo cas MM10.3. Was it before or after you started using mobile money services? Tigo cas Was it before or after you started using mobile money services? Tigo Cash 3002 1 Before 2 After 3 DK/Refused Sysmiss MM10.3. Was it before or after you started using mobile money services? Tigo cash MM11. Do you usually make transactions with your mobile money account yourself o MM11. Do you usually make transactions with your mobile money account yourself o MM11. Do you usually make transactions with your mobile money account yourself o MM11. Do you usually make transactions with your mobile money account yourself o MM11. Do you usually make transactions with your mobile money account yourself o Do you usually make transactions with your mobile money account yourself or does somebody else do them on your behalf? 634 2368 1 Make transactions myself 2 Somebody does them on my behalf Sysmiss MM11. Do you usually make transactions with your mobile money account yourself or does somebody else do them on your behalf? MM12. Who is the person that makes transactions with your mobile money account o MM12. Who is the person that makes transactions with your mobile money account o MM12. Who is the person that makes transactions with your mobile money account o MM12. Who is the person that makes transactions with your mobile money account o MM12. Who is the person that makes transactions with your mobile money account o Who is the person that makes transactions with your mobile money account on your behalf most frequently? 105 2897 1 Spouse 2 Parent 3 Child 4 Cousin 5 Niece or nephew 6 Aunt or uncle 7 Grandparent 8 Other relative 9 Workmate or a business partner 10 Neighbor, not a relative 11 Mobile Operator's agent/employee 12 Friend 13 Other Sysmiss MM12. Who is the person that makes transactions with your mobile money account on your behalf most frequently? MM13. What is the gender of that person of MM12? MM13. What is the gender of that person of MM12? MM13. What is the gender of that person of MM12? MM13. What is the gender of that person of MM12? MM13. What is the gender of that person of MM12? Who is the person that makes transactions with your mobile money account on your behalf most frequently? What is the gender of that person? 105 2897 1 Male 2 Female Sysmiss MM14.1. Apart from today, when was the last time you conducted any financial act MM14.1. Apart from today, when was the last time you conducted any financial act MM14.1. Apart from today, when was the last time you conducted any financial act MM14.1. Apart from today, when was the last time you conducted any financial act MM14.1. Apart from today, when was the last time you conducted any financial act Apart from today, when was the last time you conducted any financial activity using these registered accounts? MTN Mobile Money 536 2466 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MM14.1. Apart from today, when was the last time you conducted any financial activity using these registered accounts? MTN Mobile money MM14.2. Apart from today, when was the last time you conducted any financial act MM14.2. Apart from today, when was the last time you conducted any financial act MM14.2. Apart from today, when was the last time you conducted any financial act MM14.2. Apart from today, when was the last time you conducted any financial act MM14.2. Apart from today, when was the last time you conducted any financial act Apart from today, when was the last time you conducted any financial activity using these registered accounts? Airtel Money 46 2956 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MM14.2. Apart from today, when was the last time you conducted any financial activity using these registered accounts? Airtel Money MM14.3. Apart from today, when was the last time you conducted any financial act MM14.3. Apart from today, when was the last time you conducted any financial act MM14.3. Apart from today, when was the last time you conducted any financial act MM14.3. Apart from today, when was the last time you conducted any financial act MM14.3. Apart from today, when was the last time you conducted any financial act Apart from today, when was the last time you conducted any financial activity using these registered accounts? Tigo Cash 121 2881 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Never Sysmiss MM14.3. Apart from today, when was the last time you conducted any financial activity using these registered accounts? Tigo cash MM15.1. How do you usually access this mobile money service? MTN Mobile money MM15.1. How do you usually access this mobile money service? MTN Mobile money MM15.1. How do you usually access this mobile money service? MTN Mobile money MM15.1. How do you usually access this mobile money service? MTN Mobile money MM15.1. How do you usually access this mobile money service? MTN Mobile money How do you usually access this mobile money service? MTN Mobile Money 788 2214 1 Over the counter or by using an agent's account 2 Account of a family member in this household 3 Account of a family member in another household, other relative, friend or a neighbor 4 Account of a workmate or a business partner 5 My own account 6 Other Sysmiss MM15.2. How do you usually access this mobile money service? Airtel Money MM15.2. How do you usually access this mobile money service? Airtel Money MM15.2. How do you usually access this mobile money service? Airtel Money MM15.2. How do you usually access this mobile money service? Airtel Money MM15.2. How do you usually access this mobile money service? Airtel Money How do you usually access this mobile money service? Airtel Money 64 2938 1 Over the counter or by using an agent's account 2 Account of a family member in this household 3 Account of a family member in another household, other relative, friend or a neighbor 4 Account of a workmate or a business partner 5 My own account 6 Other Sysmiss MM15.3. How do you usually access this mobile money service? Tigo cash MM15.3. How do you usually access this mobile money service? Tigo cash MM15.3. How do you usually access this mobile money service? Tigo cash MM15.3. How do you usually access this mobile money service? Tigo cash MM15.3. How do you usually access this mobile money service? Tigo cash How do you usually access this mobile money service? Tigo Cash 169 2833 1 Over the counter or by using an agent's account 2 Account of a family member in this household 3 Account of a family member in another household, other relative, friend or a neighbor 4 Account of a workmate or a business partner 5 My own account 6 Other Sysmiss MM16. What is the main reason you have never used mobile money services? MM16. What is the main reason you have never used mobile money services? MM16. What is the main reason you have never used mobile money services? MM16. What is the main reason you have never used mobile money services? MM16. What is the main reason you have never used mobile money services? What is the main reason you have never used mobile money services? 1947 1055 1 I do not know what it is 2 I do not know how to open an account 3 I do not have a state-issued/national ID or other required documents 4 I do not have money to use this service 5 I do not need one, I do not make any transactions 6 Registration paperwork is too complicated 7 Registration fee is too high 8 Using mobile money is difficult 9 Fees for using mobile money are too high 10 I do not have money to make any transactions with mobile money 11 No one among my friends or family is using it 12 I do not understand the purpose of mobile money, I do not know what I can use it for 13 There are no mobile money agents close to where I live/work 14 Mobile money are not reliable 15 Mobile money do not offer the services I need 16 Mobile money agents are unfriendly; they make me feel unwelcomed 17 I can't afford the minimum balance 18 Mobile money are not convenient for me 19 I never thought about using mobile money 20 I do not trust MM/that my money is safe with MM 21 I would rather have my money close to me 22 I use a bank 23 I don't have time to use MM/go to agents 24 I use somebody else's account 25 My husband, family, in-laws do not approve of me using mobile money 26 I will not be able to use mobile money/to go to an agent on my own 27 It's not approved by my religion 28 The network coverage is too poor/unreliable in the area where I live/work 29 The network coverage is too poor/unreliable in the area where people with whom I transact live/work 30 I have heard of fraud on mobile money 31 Other 32 DK/Refused Sysmiss MM17. What is the main reason you have not signed up for a mobile money account MM17. What is the main reason you have not signed up for a mobile money account MM17. What is the main reason you have not signed up for a mobile money account MM17. What is the main reason you have not signed up for a mobile money account MM17. What is the main reason you have not signed up for a mobile money account What is the main reason you have not signed up for a mobile money account even though you are using the services? 283 2719 1 I do not have a state ID or other required documents 2 There is no point-of-service/agent close to where I live 3 I do not need to, I do not make any transactions 4 Using such account is difficult 5 Fees for using such account are too high 6 I never have money to make a transaction with such account 7 No one among my friends or family has such account 8 I do not understand the purpose of this account, I don?t know what I can use it for 9 I can have all the services through an agent, I do not need an account 10 Registration fees are too high 11 I prefer that agents perform transactions for me, they will fix the problems if anything happens 12 I do not trust my money is safe on an m-money account 13 I prefer to keep money in cash and use m-money only to send/receive money 14 I have heard of fraud on mobile money 15 Agent can help me use the service/I do not know how to use it on my own 16 I do not see any additional advantages to registration 17 The network coverage is too poor/unreliable in the area where I live/work 18 The network coverage is too poor/unreliable in the area where people with whom I transact live/work 19 I have difficulty remembering my PIN 20 Other Sysmiss MM17. What is the main reason you have not signed up for a mobile money account even though you are using the services? MM18. Why did you start using mobile money? MM18. Why did you start using mobile money? MM18. Why did you start using mobile money? MM18. Why did you start using mobile money? MM18. Why did you start using mobile money? What is the main reason you started using mobile money? 908 2094 1 I had to send money to another person 2 I had to receive money from another person 3 Somebody/a person requested I opened an account 4 I had to send money to an organization/government agency: e.g., had to pay a bill 5 I had to receive money from an organization/government agency: e.g., pension, unemployment payment or welfare benefits 6 An organization/government agency requested I signed up for an account 7 An agent or sales person convinced me 8 I saw posters/billboards/radio/TV advertising that convinced me 9 A person I know, who uses mobile money, recommended I use mobile money because it is better than other financial instrum 10 I saw other people using it and wanted to try by myself 11 I wanted to start saving money with an m-money account 12 I wanted a safe place to store my money 13 I got a discount on airtime 14 I got a promotional amount of money to spend if I start using m-money 15 Most of my friends/family members are already using it 16 Other Sysmiss MM19.1. Have you ever used a mobile money account to do the following?? Deposit MM19.1. Have you ever used a mobile money account to do the following?? Deposit MM19.1. Have you ever used a mobile money account to do the following?? Deposit MM19.1. Have you ever used a mobile money account to do the following?? Deposit MM19.1. Have you ever used a mobile money account to do the following?? Deposit Have you ever used a mobile money account to do the following…? Deposit money 908 2094 1 Yes 2 No Sysmiss MM19.1. Have you ever used a mobile money account to do the following?? Deposit money MM20.1. In the past 30 days, how many times did you use a mobile money account(s MM20.1. In the past 30 days, how many times did you use a mobile money account(s MM20.1. In the past 30 days, how many times did you use a mobile money account(s MM20.1. In the past 30 days, how many times did you use a mobile money account(s MM20.1. In the past 30 days, how many times did you use a mobile money account(s In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Deposit money 3002 1 2 3 4 5 6 7 8 10 12 15 16 20 MM20.1. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Deposit money MM19.2. Have you ever used a mobile money account to do the following?? Withdraw MM19.2. Have you ever used a mobile money account to do the following?? Withdraw MM19.2. Have you ever used a mobile money account to do the following?? Withdraw MM19.2. Have you ever used a mobile money account to do the following?? Withdraw MM19.2. Have you ever used a mobile money account to do the following?? Withdraw Have you ever used a mobile money account to do the following…? Withdraw money 908 2094 1 Yes 2 No Sysmiss MM19.2. Have you ever used a mobile money account to do the following?? Withdraw money MM20.2. In the past 30 days, how many times did you use a mobile money account(s MM20.2. In the past 30 days, how many times did you use a mobile money account(s MM20.2. In the past 30 days, how many times did you use a mobile money account(s MM20.2. In the past 30 days, how many times did you use a mobile money account(s MM20.2. In the past 30 days, how many times did you use a mobile money account(s In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Withdraw money 3002 30 MM20.2. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Withdraw money MM19.3. Have you ever used a mobile money account to do the following?? Buy airt MM19.3. Have you ever used a mobile money account to do the following?? Buy airt MM19.3. Have you ever used a mobile money account to do the following?? Buy airt MM19.3. Have you ever used a mobile money account to do the following?? Buy airt MM19.3. Have you ever used a mobile money account to do the following?? Buy airt Have you ever used a mobile money account to do the following…? Buy airtime top-ups 908 2094 1 Yes 2 No Sysmiss MM19.3. Have you ever used a mobile money account to do the following?? Buy airtime top-ups MM20.3. In the past 30 days, how many times did you use a mobile money account(s MM20.3. In the past 30 days, how many times did you use a mobile money account(s MM20.3. In the past 30 days, how many times did you use a mobile money account(s MM20.3. In the past 30 days, how many times did you use a mobile money account(s MM20.3. In the past 30 days, how many times did you use a mobile money account(s In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Buy airtime top-ups 3002 30 MM20.3. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Buy airtime top-ups MM19.4. Have you ever used a mobile money account to do the following?? Pay a sc MM19.4. Have you ever used a mobile money account to do the following?? Pay a sc MM19.4. Have you ever used a mobile money account to do the following?? Pay a sc MM19.4. Have you ever used a mobile money account to do the following?? Pay a sc MM19.4. Have you ever used a mobile money account to do the following?? Pay a sc Have you ever used a mobile money account to do the following…? Pay a school fee 908 2094 1 Yes 2 No Sysmiss MM19.4. Have you ever used a mobile money account to do the following?? Pay a school fee MM20.4. In the past 30 days, how many times did you use a mobile money account(s MM20.4. In the past 30 days, how many times did you use a mobile money account(s MM20.4. In the past 30 days, how many times did you use a mobile money account(s MM20.4. In the past 30 days, how many times did you use a mobile money account(s MM20.4. In the past 30 days, how many times did you use a mobile money account(s In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay a school fee 3002 1 3 4 MM20.4. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay a school fee MM19.5. Have you ever used a mobile money account to do the following?? Pay a me MM19.5. Have you ever used a mobile money account to do the following?? Pay a me MM19.5. Have you ever used a mobile money account to do the following?? Pay a me MM19.5. Have you ever used a mobile money account to do the following?? Pay a me MM19.5. Have you ever used a mobile money account to do the following?? Pay a me Have you ever used a mobile money account to do the following…? Pay a medical bill 908 2094 1 Yes 2 No Sysmiss MM19.5. Have you ever used a mobile money account to do the following?? Pay a medical bill MM20.5. In the past 30 days, how many times did you use a mobile money account(s MM20.5. In the past 30 days, how many times did you use a mobile money account(s MM20.5. In the past 30 days, how many times did you use a mobile money account(s MM20.5. In the past 30 days, how many times did you use a mobile money account(s MM20.5. In the past 30 days, how many times did you use a mobile money account(s In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay a medical bill 3002 1 3 5 MM20.5. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay a medical bill MM19.6. Have you ever used a mobile money account to do the following?? Pay an e MM19.6. Have you ever used a mobile money account to do the following?? Pay an e MM19.6. Have you ever used a mobile money account to do the following?? Pay an e MM19.6. Have you ever used a mobile money account to do the following?? Pay an e MM19.6. Have you ever used a mobile money account to do the following?? Pay an e Have you ever used a mobile money account to do the following…? Pay an electricity bill 908 2094 1 Yes 2 No Sysmiss MM19.6. Have you ever used a mobile money account to do the following?? Pay an electricity bill MM20.6. In the past 30 days, how many times did you use a mobile money account(s MM20.6. In the past 30 days, how many times did you use a mobile money account(s MM20.6. In the past 30 days, how many times did you use a mobile money account(s MM20.6. In the past 30 days, how many times did you use a mobile money account(s MM20.6. In the past 30 days, how many times did you use a mobile money account(s In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay an electricity bill 3002 1 4 MM20.6. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay an electricity bill MM19.7. Have you ever used a mobile money account to do the following?? Pay for MM19.7. Have you ever used a mobile money account to do the following?? Pay for MM19.7. Have you ever used a mobile money account to do the following?? Pay for MM19.7. Have you ever used a mobile money account to do the following?? Pay for MM19.7. Have you ever used a mobile money account to do the following?? Pay for Have you ever used a mobile money account to do the following…? Pay for water access or delivery 908 2094 1 Yes 2 No Sysmiss MM19.7. Have you ever used a mobile money account to do the following?? Pay for water access or delivery MM20.7. In the past 30 days, how many times did you use a mobile money account(s MM20.7. In the past 30 days, how many times did you use a mobile money account(s MM20.7. In the past 30 days, how many times did you use a mobile money account(s MM20.7. In the past 30 days, how many times did you use a mobile money account(s MM20.7. In the past 30 days, how many times did you use a mobile money account(s In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay for water access or delivery 3002 1 MM20.7. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay for water access or delivery MM19.8. Have you ever used a mobile money account to do the following?? Pay for MM19.8. Have you ever used a mobile money account to do the following?? Pay for MM19.8. Have you ever used a mobile money account to do the following?? Pay for MM19.8. Have you ever used a mobile money account to do the following?? Pay for MM19.8. Have you ever used a mobile money account to do the following?? Pay for Have you ever used a mobile money account to do the following…? Pay for solar lantern or a solar home system 908 2094 1 Yes 2 No Sysmiss MM19.8. Have you ever used a mobile money account to do the following?? Pay for solar lantern or a solar home system MM20.8. In the past 30 days, how many times did you use a mobile money account(s MM20.8. In the past 30 days, how many times did you use a mobile money account(s MM20.8. In the past 30 days, how many times did you use a mobile money account(s MM20.8. In the past 30 days, how many times did you use a mobile money account(s MM20.8. In the past 30 days, how many times did you use a mobile money account(s In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay for solar lantern or a solar home system 3002 MM20.8. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay for solar lantern or a solar home system MM19.9. Have you ever used a mobile money account to do the following?? Pay TV/c MM19.9. Have you ever used a mobile money account to do the following?? Pay TV/c MM19.9. Have you ever used a mobile money account to do the following?? Pay TV/c MM19.9. Have you ever used a mobile money account to do the following?? Pay TV/c MM19.9. Have you ever used a mobile money account to do the following?? Pay TV/c Have you ever used a mobile money account to do the following…? Pay TV/cable/satellite bill 908 2094 1 Yes 2 No Sysmiss MM19.9. Have you ever used a mobile money account to do the following?? Pay TV/cable/satellite bill MM20.9. In the past 30 days, how many times did you use a mobile money account(s MM20.9. In the past 30 days, how many times did you use a mobile money account(s MM20.9. In the past 30 days, how many times did you use a mobile money account(s MM20.9. In the past 30 days, how many times did you use a mobile money account(s MM20.9. In the past 30 days, how many times did you use a mobile money account(s In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay TV/cable/satellite bill 3002 5 MM20.9. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay TV/cable/satellite bill MM19.10. Have you ever used a mobile money account to do the following?? Pay a g MM19.10. Have you ever used a mobile money account to do the following?? Pay a g MM19.10. Have you ever used a mobile money account to do the following?? Pay a g MM19.10. Have you ever used a mobile money account to do the following?? Pay a g MM19.10. Have you ever used a mobile money account to do the following?? Pay a g Have you ever used a mobile money account to do the following…? Pay a government bill, including tax, fine or fee 908 2094 1 Yes 2 No Sysmiss MM19.10. Have you ever used a mobile money account to do the following?? Pay a government bill, including tax, fine or fee MM20.10. In the past 30 days, how many times did you use a mobile money account( MM20.10. In the past 30 days, how many times did you use a mobile money account( MM20.10. In the past 30 days, how many times did you use a mobile money account( MM20.10. In the past 30 days, how many times did you use a mobile money account( MM20.10. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay a government bill, including tax, fine or fee 3002 1 MM20.10. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay a government bill, including tax, fine or fee MM19.11. Have you ever used a mobile money account to do the following?? Pay oth MM19.11. Have you ever used a mobile money account to do the following?? Pay oth MM19.11. Have you ever used a mobile money account to do the following?? Pay oth MM19.11. Have you ever used a mobile money account to do the following?? Pay oth MM19.11. Have you ever used a mobile money account to do the following?? Pay oth Have you ever used a mobile money account to do the following…? Pay other bill (SPECIFY) 908 2094 1 Yes 2 No Sysmiss MM19.11. Have you ever used a mobile money account to do the following?? Pay other bill MM20.11. In the past 30 days, how many times did you use a mobile money account( MM20.11. In the past 30 days, how many times did you use a mobile money account( MM20.11. In the past 30 days, how many times did you use a mobile money account( MM20.11. In the past 30 days, how many times did you use a mobile money account( MM20.11. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay other bill (SPECIFY) 3002 1 2 6 10 MM20.11. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay other bill MM19.12. Have you ever used a mobile money account to do the following?? Send mo MM19.12. Have you ever used a mobile money account to do the following?? Send mo MM19.12. Have you ever used a mobile money account to do the following?? Send mo MM19.12. Have you ever used a mobile money account to do the following?? Send mo MM19.12. Have you ever used a mobile money account to do the following?? Send mo Have you ever used a mobile money account to do the following…? Send money to family members, friends, workmates or other acquaintances for regular support/allowances 908 2094 1 Yes 2 No Sysmiss MM19.12. Have you ever used a mobile money account to do the following?? Send money to family members, friends, workmates or other acquaintances for regular support/allowances MM20.12. In the past 30 days, how many times did you use a mobile money account( MM20.12. In the past 30 days, how many times did you use a mobile money account( MM20.12. In the past 30 days, how many times did you use a mobile money account( MM20.12. In the past 30 days, how many times did you use a mobile money account( MM20.12. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Send money to family members, friends, workmates or other acquaintances for regular support/allowances 3002 1 2 3 4 5 6 10 20 MM20.12. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Send money to family members, friends, workmates or other acquaintances for regular support/allowances MM19.13. Have you ever used a mobile money account to do the following?? Send mo MM19.13. Have you ever used a mobile money account to do the following?? Send mo MM19.13. Have you ever used a mobile money account to do the following?? Send mo MM19.13. Have you ever used a mobile money account to do the following?? Send mo MM19.13. Have you ever used a mobile money account to do the following?? Send mo Have you ever used a mobile money account to do the following…? Send money to family members, friends, workmates or other acquaintances to help with emergencies 908 2094 1 Yes 2 No Sysmiss MM19.13. Have you ever used a mobile money account to do the following?? Send money to family members, friends, workmates or other acquaintances to help with emergencies MM20.13. In the past 30 days, how many times did you use a mobile money account( MM20.13. In the past 30 days, how many times did you use a mobile money account( MM20.13. In the past 30 days, how many times did you use a mobile money account( MM20.13. In the past 30 days, how many times did you use a mobile money account( MM20.13. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Send money to family members, friends, workmates or other acquaintances to help with emergencies 3002 30 MM20.13. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Send money to family members, friends, workmates or other acquaintances to help with emergencies MM19.14. Have you ever used a mobile money account to do the following?? Receive MM19.14. Have you ever used a mobile money account to do the following?? Receive MM19.14. Have you ever used a mobile money account to do the following?? Receive MM19.14. Have you ever used a mobile money account to do the following?? Receive MM19.14. Have you ever used a mobile money account to do the following?? Receive Have you ever used a mobile money account to do the following…? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances 908 2094 1 Yes 2 No Sysmiss MM19.14. Have you ever used a mobile money account to do the following?? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances MM20.14. In the past 30 days, how many times did you use a mobile money account( MM20.14. In the past 30 days, how many times did you use a mobile money account( MM20.14. In the past 30 days, how many times did you use a mobile money account( MM20.14. In the past 30 days, how many times did you use a mobile money account( MM20.14. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances 3002 21 MM20.14. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances MM19.15. Have you ever used a mobile money account to do the following?? Receive MM19.15. Have you ever used a mobile money account to do the following?? Receive MM19.15. Have you ever used a mobile money account to do the following?? Receive MM19.15. Have you ever used a mobile money account to do the following?? Receive MM19.15. Have you ever used a mobile money account to do the following?? Receive Have you ever used a mobile money account to do the following…? Receive money from family members, friends, workmates or other acquaintances to help with emergencies 908 2094 1 Yes 2 No Sysmiss MM19.15. Have you ever used a mobile money account to do the following?? Receive money from family members, friends, workmates or other acquaintances to help with emergencies MM20.15. In the past 30 days, how many times did you use a mobile money account( MM20.15. In the past 30 days, how many times did you use a mobile money account( MM20.15. In the past 30 days, how many times did you use a mobile money account( MM20.15. In the past 30 days, how many times did you use a mobile money account( MM20.15. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive money from family members, friends, workmates or other acquaintances to help with emergencies 3002 1 2 3 4 5 6 11 MM20.15. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive money from family members, friends, workmates or other acquaintances to help with emergencies MM19.16. Have you ever used a mobile money account to do the following?? Receive MM19.16. Have you ever used a mobile money account to do the following?? Receive MM19.16. Have you ever used a mobile money account to do the following?? Receive MM19.16. Have you ever used a mobile money account to do the following?? Receive MM19.16. Have you ever used a mobile money account to do the following?? Receive Have you ever used a mobile money account to do the following…? Receive welfare or pension from the government 908 2094 1 Yes 2 No Sysmiss MM19.16. Have you ever used a mobile money account to do the following?? Receive welfare or pension from the government MM20.16. In the past 30 days, how many times did you use a mobile money account( MM20.16. In the past 30 days, how many times did you use a mobile money account( MM20.16. In the past 30 days, how many times did you use a mobile money account( MM20.16. In the past 30 days, how many times did you use a mobile money account( MM20.16. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive welfare or pension from the government 3002 1 3 4 MM20.16. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive welfare or pension from the government MM19.17. Have you ever used a mobile money account to do the following?? Receive MM19.17. Have you ever used a mobile money account to do the following?? Receive MM19.17. Have you ever used a mobile money account to do the following?? Receive MM19.17. Have you ever used a mobile money account to do the following?? Receive MM19.17. Have you ever used a mobile money account to do the following?? Receive Have you ever used a mobile money account to do the following…? Receive other benefit payments from the government or government agency (Specify) 908 2094 1 Yes 2 No Sysmiss MM19.17. Have you ever used a mobile money account to do the following?? Receive other benefit payments from the government or government agency MM20.17. In the past 30 days, how many times did you use a mobile money account( MM20.17. In the past 30 days, how many times did you use a mobile money account( MM20.17. In the past 30 days, how many times did you use a mobile money account( MM20.17. In the past 30 days, how many times did you use a mobile money account( MM20.17. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive other benefit payments from the government or government agency (Specify) 3002 2 3 MM20.17. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive other benefit payments from the government or government agency MM19.18. Have you ever used a mobile money account to do the following?? Receive MM19.18. Have you ever used a mobile money account to do the following?? Receive MM19.18. Have you ever used a mobile money account to do the following?? Receive MM19.18. Have you ever used a mobile money account to do the following?? Receive MM19.18. Have you ever used a mobile money account to do the following?? Receive Have you ever used a mobile money account to do the following…? Receive wages for primary job 908 2094 1 Yes 2 No Sysmiss MM19.18. Have you ever used a mobile money account to do the following?? Receive wages for primary job MM20.18. In the past 30 days, how many times did you use a mobile money account( MM20.18. In the past 30 days, how many times did you use a mobile money account( MM20.18. In the past 30 days, how many times did you use a mobile money account( MM20.18. In the past 30 days, how many times did you use a mobile money account( MM20.18. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive wages for primary job 3002 1 2 3 4 6 MM20.18. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive wages for primary job MM19.19. Have you ever used a mobile money account to do the following?? Receive MM19.19. Have you ever used a mobile money account to do the following?? Receive MM19.19. Have you ever used a mobile money account to do the following?? Receive MM19.19. Have you ever used a mobile money account to do the following?? Receive MM19.19. Have you ever used a mobile money account to do the following?? Receive Have you ever used a mobile money account to do the following…? Receive wages for secondary job(s) 908 2094 1 Yes 2 No Sysmiss MM19.19. Have you ever used a mobile money account to do the following?? Receive wages for secondary job(s) MM20.19. In the past 30 days, how many times did you use a mobile money account( MM20.19. In the past 30 days, how many times did you use a mobile money account( MM20.19. In the past 30 days, how many times did you use a mobile money account( MM20.19. In the past 30 days, how many times did you use a mobile money account( MM20.19. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive wages for secondary job(s) 3002 2 3 4 MM20.19. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive wages for secondary job(s) MM19.20. Have you ever used a mobile money account to do the following?? Pay for MM19.20. Have you ever used a mobile money account to do the following?? Pay for MM19.20. Have you ever used a mobile money account to do the following?? Pay for MM19.20. Have you ever used a mobile money account to do the following?? Pay for MM19.20. Have you ever used a mobile money account to do the following?? Pay for Have you ever used a mobile money account to do the following…? Pay for large acquisitions, including land, cattle, residence 908 2094 1 Yes 2 No Sysmiss MM19.20. Have you ever used a mobile money account to do the following?? Pay for large acquisitions, including land, cattle, residence MM20.20. In the past 30 days, how many times did you use a mobile money account( MM20.20. In the past 30 days, how many times did you use a mobile money account( MM20.20. In the past 30 days, how many times did you use a mobile money account( MM20.20. In the past 30 days, how many times did you use a mobile money account( MM20.20. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay for large acquisitions, including land, cattle, residence 3002 MM20.20. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay for large acquisitions, including land, cattle, residence MM19.21. Have you ever used a mobile money account to do the following?? Make in MM19.21. Have you ever used a mobile money account to do the following?? Make in MM19.21. Have you ever used a mobile money account to do the following?? Make in MM19.21. Have you ever used a mobile money account to do the following?? Make in MM19.21. Have you ever used a mobile money account to do the following?? Make in Have you ever used a mobile money account to do the following…? Make insurance-related payments 908 2094 1 Yes 2 No Sysmiss MM19.21. Have you ever used a mobile money account to do the following?? Make insurance-related payments MM20.21. In the past 30 days, how many times did you use a mobile money account( MM20.21. In the past 30 days, how many times did you use a mobile money account( MM20.21. In the past 30 days, how many times did you use a mobile money account( MM20.21. In the past 30 days, how many times did you use a mobile money account( MM20.21. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Make insurance-related payments 3002 2 MM20.21. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Make insurance-related payments MM19.22. Have you ever used a mobile money account to do the following?? Receive MM19.22. Have you ever used a mobile money account to do the following?? Receive MM19.22. Have you ever used a mobile money account to do the following?? Receive MM19.22. Have you ever used a mobile money account to do the following?? Receive MM19.22. Have you ever used a mobile money account to do the following?? Receive Have you ever used a mobile money account to do the following…? Receive claims on insurance 908 2094 1 Yes 2 No Sysmiss MM19.22. Have you ever used a mobile money account to do the following?? Receive claims on insurance MM20.22. In the past 30 days, how many times did you use a mobile money account( MM20.22. In the past 30 days, how many times did you use a mobile money account( MM20.22. In the past 30 days, how many times did you use a mobile money account( MM20.22. In the past 30 days, how many times did you use a mobile money account( MM20.22. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive claims on insurance 3002 MM20.22. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Receive claims on insurance MM19.23. Have you ever used a mobile money account to do the following?? Take a MM19.23. Have you ever used a mobile money account to do the following?? Take a MM19.23. Have you ever used a mobile money account to do the following?? Take a MM19.23. Have you ever used a mobile money account to do the following?? Take a MM19.23. Have you ever used a mobile money account to do the following?? Take a Have you ever used a mobile money account to do the following…? Take a loan or make payments on a loan 908 2094 1 Yes 2 No Sysmiss MM19.23. Have you ever used a mobile money account to do the following?? Take a loan or make payments on a loan MM20.23. In the past 30 days, how many times did you use a mobile money account( MM20.23. In the past 30 days, how many times did you use a mobile money account( MM20.23. In the past 30 days, how many times did you use a mobile money account( MM20.23. In the past 30 days, how many times did you use a mobile money account( MM20.23. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Take a loan or make payments on a loan 3002 1 MM20.23. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Take a loan or make payments on a loan MM19.24. Have you ever used a mobile money account to do the following?? Give a MM19.24. Have you ever used a mobile money account to do the following?? Give a MM19.24. Have you ever used a mobile money account to do the following?? Give a MM19.24. Have you ever used a mobile money account to do the following?? Give a MM19.24. Have you ever used a mobile money account to do the following?? Give a Have you ever used a mobile money account to do the following…? Give a loan or receive payments on a loan 908 2094 1 Yes 2 No Sysmiss MM19.24. Have you ever used a mobile money account to do the following?? Give a loan or receive payments on a loan MM20.24. In the past 30 days, how many times did you use a mobile money account( MM20.24. In the past 30 days, how many times did you use a mobile money account( MM20.24. In the past 30 days, how many times did you use a mobile money account( MM20.24. In the past 30 days, how many times did you use a mobile money account( MM20.24. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Give a loan or receive payments on a loan 3002 1 MM20.24. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Give a loan or receive payments on a loan MM19.25. Have you ever used a mobile money account to do the following?? Save mo MM19.25. Have you ever used a mobile money account to do the following?? Save mo MM19.25. Have you ever used a mobile money account to do the following?? Save mo MM19.25. Have you ever used a mobile money account to do the following?? Save mo MM19.25. Have you ever used a mobile money account to do the following?? Save mo Have you ever used a mobile money account to do the following…? Save money for a specific future purchase or payment 908 2094 1 Yes 2 No Sysmiss MM19.25. Have you ever used a mobile money account to do the following?? Save money for a future purchase or payment MM20.25. In the past 30 days, how many times did you use a mobile money account( MM20.25. In the past 30 days, how many times did you use a mobile money account( MM20.25. In the past 30 days, how many times did you use a mobile money account( MM20.25. In the past 30 days, how many times did you use a mobile money account( MM20.25. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Save money for a specific future purchase or payment 3002 1 2 3 MM20.25. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Save money for a future purchase or payment MM19.26. Have you ever used a mobile money account to do the following?? Set asi MM19.26. Have you ever used a mobile money account to do the following?? Set asi MM19.26. Have you ever used a mobile money account to do the following?? Set asi MM19.26. Have you ever used a mobile money account to do the following?? Set asi MM19.26. Have you ever used a mobile money account to do the following?? Set asi Have you ever used a mobile money account to do the following…? Set aside money for pension, paid pension contributions 908 2094 1 Yes 2 No Sysmiss MM19.26. Have you ever used a mobile money account to do the following?? Set aside money for pension, paid pension contributions MM20.26. In the past 30 days, how many times did you use a mobile money account( MM20.26. In the past 30 days, how many times did you use a mobile money account( MM20.26. In the past 30 days, how many times did you use a mobile money account( MM20.26. In the past 30 days, how many times did you use a mobile money account( MM20.26. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Set aside money for pension, paid pension contributions 3002 1 2 MM20.26. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Set aside money for pension, paid pension contributions MM19.27. Have you ever used a mobile money account to do the following?? Set mon MM19.27. Have you ever used a mobile money account to do the following?? Set mon MM19.27. Have you ever used a mobile money account to do the following?? Set mon MM19.27. Have you ever used a mobile money account to do the following?? Set mon MM19.27. Have you ever used a mobile money account to do the following?? Set mon Have you ever used a mobile money account to do the following…? Set money aside just in case/for an emergency 908 2094 1 Yes 2 No Sysmiss MM19.27. Have you ever used a mobile money account to do the following?? Set money aside just in case/for an undetermined purpose MM20.27. In the past 30 days, how many times did you use a mobile money account( MM20.27. In the past 30 days, how many times did you use a mobile money account( MM20.27. In the past 30 days, how many times did you use a mobile money account( MM20.27. In the past 30 days, how many times did you use a mobile money account( MM20.27. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Set money aside just in case/for an emergency 3002 1 2 4 MM20.27. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Set money aside just in case/for an undetermined purpose MM19.28. Have you ever used a mobile money account to do the following?? Make an MM19.28. Have you ever used a mobile money account to do the following?? Make an MM19.28. Have you ever used a mobile money account to do the following?? Make an MM19.28. Have you ever used a mobile money account to do the following?? Make an MM19.28. Have you ever used a mobile money account to do the following?? Make an Have you ever used a mobile money account to do the following…? Make an investment, including buy stock or shares 908 2094 1 Yes 2 No Sysmiss MM19.28. Have you ever used a mobile money account to do the following?? Make an investment, including buy stock or shares MM20.28. In the past 30 days, how many times did you use a mobile money account( MM20.28. In the past 30 days, how many times did you use a mobile money account( MM20.28. In the past 30 days, how many times did you use a mobile money account( MM20.28. In the past 30 days, how many times did you use a mobile money account( MM20.28. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Make an investment, including buy stock or shares 3002 MM20.28. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Make an investment, including buy stock or shares MM19.29. Have you ever used a mobile money account to do the following?? Pay in MM19.29. Have you ever used a mobile money account to do the following?? Pay in MM19.29. Have you ever used a mobile money account to do the following?? Pay in MM19.29. Have you ever used a mobile money account to do the following?? Pay in MM19.29. Have you ever used a mobile money account to do the following?? Pay in Have you ever used a mobile money account to do the following…? Pay in person for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport 908 2094 1 Yes 2 No Sysmiss MM19.29. Have you ever used a mobile money account to do the following?? Pay in person for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport MM20.29. In the past 30 days, how many times did you use a mobile money account( MM20.29. In the past 30 days, how many times did you use a mobile money account( MM20.29. In the past 30 days, how many times did you use a mobile money account( MM20.29. In the past 30 days, how many times did you use a mobile money account( MM20.29. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay in person for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport 3002 2 MM20.29. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay in person for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport MM19.30. Have you ever used a mobile money account to do the following?? Pay rem MM19.30. Have you ever used a mobile money account to do the following?? Pay rem MM19.30. Have you ever used a mobile money account to do the following?? Pay rem MM19.30. Have you ever used a mobile money account to do the following?? Pay rem MM19.30. Have you ever used a mobile money account to do the following?? Pay rem Have you ever used a mobile money account to do the following…? Pay remotely for goods and services 908 2094 1 Yes 2 No Sysmiss MM19.30. Have you ever used a mobile money account to do the following?? Pay remotely for goods and services MM20.30. In the past 30 days, how many times did you use a mobile money account( MM20.30. In the past 30 days, how many times did you use a mobile money account( MM20.30. In the past 30 days, how many times did you use a mobile money account( MM20.30. In the past 30 days, how many times did you use a mobile money account( MM20.30. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay remotely for goods and services 3002 1 MM20.30. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay remotely for goods and services MM19.31. Have you ever used a mobile money account to do the following?? Transfe MM19.31. Have you ever used a mobile money account to do the following?? Transfe MM19.31. Have you ever used a mobile money account to do the following?? Transfe MM19.31. Have you ever used a mobile money account to do the following?? Transfe MM19.31. Have you ever used a mobile money account to do the following?? Transfe Have you ever used a mobile money account to do the following…? Transfer money from one bank account to another bank account 908 2094 1 Yes 2 No Sysmiss MM19.31. Have you ever used a mobile money account to do the following?? Transfer money from one bank account to another bank account MM20.31. In the past 30 days, how many times did you use a mobile money account( MM20.31. In the past 30 days, how many times did you use a mobile money account( MM20.31. In the past 30 days, how many times did you use a mobile money account( MM20.31. In the past 30 days, how many times did you use a mobile money account( MM20.31. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Transfer money from one bank account to another bank account 3002 1 MM20.31. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Transfer money from one bank account to another bank account MM19.32. Have you ever used a mobile money account to do the following?? Transfe MM19.32. Have you ever used a mobile money account to do the following?? Transfe MM19.32. Have you ever used a mobile money account to do the following?? Transfe MM19.32. Have you ever used a mobile money account to do the following?? Transfe MM19.32. Have you ever used a mobile money account to do the following?? Transfe Have you ever used a mobile money account to do the following…? Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account 908 2094 1 Yes 2 No Sysmiss MM19.32. Have you ever used a mobile money account to do the following?? Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account MM20.32. In the past 30 days, how many times did you use a mobile money account( MM20.32. In the past 30 days, how many times did you use a mobile money account( MM20.32. In the past 30 days, how many times did you use a mobile money account( MM20.32. In the past 30 days, how many times did you use a mobile money account( MM20.32. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account 3002 3 MM20.32. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account MM19.33. Have you ever used a mobile money account to do the following?? Transfe MM19.33. Have you ever used a mobile money account to do the following?? Transfe MM19.33. Have you ever used a mobile money account to do the following?? Transfe MM19.33. Have you ever used a mobile money account to do the following?? Transfe MM19.33. Have you ever used a mobile money account to do the following?? Transfe Have you ever used a mobile money account to do the following…? Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.) 908 2094 1 Yes 2 No Sysmiss MM19.33. Have you ever used a mobile money account to do the following?? Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.) MM20.33. In the past 30 days, how many times did you use a mobile money account( MM20.33. In the past 30 days, how many times did you use a mobile money account( MM20.33. In the past 30 days, how many times did you use a mobile money account( MM20.33. In the past 30 days, how many times did you use a mobile money account( MM20.33. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.) 3002 MM20.33. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.) MM19.34. Have you ever used a mobile money account to do the following?? Pay ren MM19.34. Have you ever used a mobile money account to do the following?? Pay ren MM19.34. Have you ever used a mobile money account to do the following?? Pay ren MM19.34. Have you ever used a mobile money account to do the following?? Pay ren MM19.34. Have you ever used a mobile money account to do the following?? Pay ren Have you ever used a mobile money account to do the following…? Pay rent 908 2094 1 Yes 2 No Sysmiss MM19.34. Have you ever used a mobile money account to do the following?? Pay rent MM20.34. In the past 30 days, how many times did you use a mobile money account( MM20.34. In the past 30 days, how many times did you use a mobile money account( MM20.34. In the past 30 days, how many times did you use a mobile money account( MM20.34. In the past 30 days, how many times did you use a mobile money account( MM20.34. In the past 30 days, how many times did you use a mobile money account( In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay rent 3002 1 MM20.34. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay rent MM21.1. Do you use a mobile money account to make the following business payment MM21.1. Do you use a mobile money account to make the following business payment MM21.1. Do you use a mobile money account to make the following business payment MM21.1. Do you use a mobile money account to make the following business payment MM21.1. Do you use a mobile money account to make the following business payment Do you use a mobile money account to make the following business payments/purchases? 908 2094 1 Yes 2 No Sysmiss MM21.1. Do you use a mobile money account to make the following business payments/purchases? Pay employees MM21.2. Do you use a mobile money account to make the following business payment MM21.2. Do you use a mobile money account to make the following business payment MM21.2. Do you use a mobile money account to make the following business payment MM21.2. Do you use a mobile money account to make the following business payment MM21.2. Do you use a mobile money account to make the following business payment Do you use a mobile money account to make the following business payments/purchases? 908 2094 1 Yes 2 No Sysmiss MM21.2. Do you use a mobile money account to make the following business payments/purchases? Pay suppliers MM21.3. Do you use a mobile money account to make the following business payment MM21.3. Do you use a mobile money account to make the following business payment MM21.3. Do you use a mobile money account to make the following business payment MM21.3. Do you use a mobile money account to make the following business payment MM21.3. Do you use a mobile money account to make the following business payment Do you use a mobile money account to make the following business payments/purchases? 908 2094 1 Yes 2 No Sysmiss MM21.3. Do you use a mobile money account to make the following business payments/purchases? Receive payments from customers MM21.4. Do you use a mobile money account to make the following business payment MM21.4. Do you use a mobile money account to make the following business payment MM21.4. Do you use a mobile money account to make the following business payment MM21.4. Do you use a mobile money account to make the following business payment MM21.4. Do you use a mobile money account to make the following business payment Do you use a mobile money account to make the following business payments/purchases? 908 2094 1 Yes 2 No Sysmiss MM21.4. Do you use a mobile money account to make the following business payments/purchases? Receive payments from distributors MM21.5. Do you use a mobile money account to make the following business payment MM21.5. Do you use a mobile money account to make the following business payment MM21.5. Do you use a mobile money account to make the following business payment MM21.5. Do you use a mobile money account to make the following business payment MM21.5. Do you use a mobile money account to make the following business payment Do you use a mobile money account to make the following business payments/purchases? 908 2094 1 Yes 2 No Sysmiss MM21.5. Do you use a mobile money account to make the following business payments/purchases? Make investment, for example buy new equipment or expand the office/business building MM21.6. Do you use a mobile money account to make the following business payment MM21.6. Do you use a mobile money account to make the following business payment MM21.6. Do you use a mobile money account to make the following business payment MM21.6. Do you use a mobile money account to make the following business payment MM21.6. Do you use a mobile money account to make the following business payment Do you use a mobile money account to make the following business payments/purchases? 908 2094 1 Yes 2 No Sysmiss MM21.6. Do you use a mobile money account to make the following business payments/purchases? Pay business-associated expenses, including rent, taxes, utility and transportation bills MM21.7. Do you use a mobile money account to make the following business payment MM21.7. Do you use a mobile money account to make the following business payment MM21.7. Do you use a mobile money account to make the following business payment MM21.7. Do you use a mobile money account to make the following business payment MM21.7. Do you use a mobile money account to make the following business payment Do you use a mobile money account to make the following business payments/purchases? 908 2094 1 Yes 2 No Sysmiss MM21.7. Do you use a mobile money account to make the following business payments/purchases? Pay for agricultural inputs (seeds, pesticides, fertilizers, etc.) MM21.8. Do you use a mobile money account to make the following business payment MM21.8. Do you use a mobile money account to make the following business payment MM21.8. Do you use a mobile money account to make the following business payment MM21.8. Do you use a mobile money account to make the following business payment MM21.8. Do you use a mobile money account to make the following business payment Do you use a mobile money account to make the following business payments/purchases? 908 2094 1 Yes 2 No Sysmiss MM21.8. Do you use a mobile money account to make the following business payments/purchases? Other MM21.9. Do you use a mobile money account to make the following business payment MM21.9. Do you use a mobile money account to make the following business payment MM21.9. Do you use a mobile money account to make the following business payment MM21.9. Do you use a mobile money account to make the following business payment MM21.9. Do you use a mobile money account to make the following business payment Do you use a mobile money account to make the following business payments/purchases? 908 2094 1 Yes 2 No Sysmiss MM21.9. Do you use a mobile money account to make the following business payments/purchases? I do not use my mobile money account to make business transactions MM22.1. You said you do not use a mobile money account for any business transact MM22.1. You said you do not use a mobile money account for any business transact MM22.1. You said you do not use a mobile money account for any business transact MM22.1. You said you do not use a mobile money account for any business transact MM22.1. You said you do not use a mobile money account for any business transact You said you do not use a mobile money account for any business transactions. Please, tell me why? I do not have a business 705 2297 1 Yes 2 No Sysmiss MM22.1. You said you do not use a mobile money account for any business transactions. Please, tell me why? I do not have a business MM22.2. You said you do not use a mobile money account for any business transact MM22.2. You said you do not use a mobile money account for any business transact MM22.2. You said you do not use a mobile money account for any business transact MM22.2. You said you do not use a mobile money account for any business transact MM22.2. You said you do not use a mobile money account for any business transact You said you do not use a mobile money account for any business transactions. Please, tell me why? I will have to pay extra taxes 705 2297 1 Yes 2 No Sysmiss MM22.2. You said you do not use a mobile money account for any business transactions. Please, tell me why? I will have to pay extra taxes MM22.3. You said you do not use a mobile money account for any business transact MM22.3. You said you do not use a mobile money account for any business transact MM22.3. You said you do not use a mobile money account for any business transact MM22.3. You said you do not use a mobile money account for any business transact MM22.3. You said you do not use a mobile money account for any business transact You said you do not use a mobile money account for any business transactions. Please, tell me why? I will have to pay bribes to government officials to avoid taxation/licensing/paper work 705 2297 1 Yes 2 No Sysmiss MM22.3. You said you do not use a mobile money account for any business transactions. Please, tell me why? I will have to pay bribes to government officials to avoid taxation/licensing/paper work MM22.4. You said you do not use a mobile money account for any business transact MM22.4. You said you do not use a mobile money account for any business transact MM22.4. You said you do not use a mobile money account for any business transact MM22.4. You said you do not use a mobile money account for any business transact MM22.4. You said you do not use a mobile money account for any business transact You said you do not use a mobile money account for any business transactions. Please, tell me why? My business is not registered, it is not formal 705 2297 1 Yes 2 No Sysmiss MM22.4. You said you do not use a mobile money account for any business transactions. Please, tell me why? My business is not registered, it is not formal MM22.5. You said you do not use a mobile money account for any business transact MM22.5. You said you do not use a mobile money account for any business transact MM22.5. You said you do not use a mobile money account for any business transact MM22.5. You said you do not use a mobile money account for any business transact MM22.5. You said you do not use a mobile money account for any business transact You said you do not use a mobile money account for any business transactions. Please, tell me why? To pay account fees I will have to raise prices and people won’t buy from me 705 2297 1 Yes 2 No Sysmiss MM22.5. You said you do not use a mobile money account for any business transactions. Please, tell me why? To pay account fees I will have to raise prices and people won't buy from me MM22.6. You said you do not use a mobile money account for any business transact MM22.6. You said you do not use a mobile money account for any business transact MM22.6. You said you do not use a mobile money account for any business transact MM22.6. You said you do not use a mobile money account for any business transact MM22.6. You said you do not use a mobile money account for any business transact You said you do not use a mobile money account for any business transactions. Please, tell me why? My business is too small to need an account 705 2297 1 Yes 2 No Sysmiss MM22.6. You said you do not use a mobile money account for any business transactions. Please, tell me why? My business is too small to need an account MM22.7. You said you do not use a mobile money account for any business transact MM22.7. You said you do not use a mobile money account for any business transact MM22.7. You said you do not use a mobile money account for any business transact MM22.7. You said you do not use a mobile money account for any business transact MM22.7. You said you do not use a mobile money account for any business transact You said you do not use a mobile money account for any business transactions. Please, tell me why? I do not have an account for my business 705 2297 1 Yes 2 No Sysmiss MM22.7. You said you do not use a mobile money account for any business transactions. Please, tell me why? I do not have an account for my business MM22.8. You said you do not use a mobile money account for any business transact MM22.8. You said you do not use a mobile money account for any business transact MM22.8. You said you do not use a mobile money account for any business transact MM22.8. You said you do not use a mobile money account for any business transact MM22.8. You said you do not use a mobile money account for any business transact You said you do not use a mobile money account for any business transactions. Please, tell me why? I use other methods of payment 705 2297 1 Yes 2 No Sysmiss MM22.8. You said you do not use a mobile money account for any business transactions. Please, tell me why? I use other methods of payment MM22.9. You said you do not use a mobile money account for any business transact MM22.9. You said you do not use a mobile money account for any business transact MM22.9. You said you do not use a mobile money account for any business transact MM22.9. You said you do not use a mobile money account for any business transact MM22.9. You said you do not use a mobile money account for any business transact You said you do not use a mobile money account for any business transactions. Please, tell me why? I do not feel it’s a good way to make business payments 705 2297 1 Yes 2 No Sysmiss MM22.9. You said you do not use a mobile money account for any business transactions. Please, tell me why? Other MM22.10. You said you do not use a mobile money account for any business transac MM22.10. You said you do not use a mobile money account for any business transac MM22.10. You said you do not use a mobile money account for any business transac MM22.10. You said you do not use a mobile money account for any business transac MM22.10. You said you do not use a mobile money account for any business transac You said you do not use a mobile money account for any business transactions. Please, tell me why? I just have not thought about it 705 2297 1 Yes 2 No Sysmiss MM22.10. You said you do not use a mobile money account for any business transactions. Please, tell me why? DK/Refused MM23. Do you tend to use the same mobile money agent all or most of the time? MM23. Do you tend to use the same mobile money agent all or most of the time? MM23. Do you tend to use the same mobile money agent all or most of the time? MM23. Do you tend to use the same mobile money agent all or most of the time? MM23. Do you tend to use the same mobile money agent all or most of the time? Do you tend to use the same mobile money agent all or most of the time? 908 2094 1 Yes 2 No Sysmiss MM24. What is the main reason you are using this agent regularly? MM24. What is the main reason you are using this agent regularly? MM24. What is the main reason you are using this agent regularly? MM24. What is the main reason you are using this agent regularly? MM24. What is the main reason you are using this agent regularly? What is the main reason you are using this agent regularly? 538 2464 1 Out of courtesy 2 The agent is fast 3 I trust this agent 4 Reliability: the agent is always present during work hours 5 Reliability: the agent always has e-float and/or cash to conduct my transaction 6 Proximity to where I live 7 Proximity to places where I go - school, retail store, my job, etc. 8 Agent is knowledgeable/helpful 9 Agent is friendly and engaged 10 This agent is my personal friend, family member or a relative 11 My family members, friends or workmates use this agent 12 Out of habit 13 Other 14 Because the agent is a female 15 Because the agent is a male 16 Agent was recommended to me 17 No particular reason 18 It's the only agent I know of that serves my MM provider 19 The agent serves multiple MM providers Sysmiss MM25. How far is the closest mobile money agent (of any provider) from the place MM25. How far is the closest mobile money agent (of any provider) from the place MM25. How far is the closest mobile money agent (of any provider) from the place MM25. How far is the closest mobile money agent (of any provider) from the place MM25. How far is the closest mobile money agent (of any provider) from the place Now, I want to ask you about your experience with mobile money agents in general. You do not have to talk about your regular agent if you do not have one. How far is the closest mobile money agent (of any provider) from the place where you live? Is he/she___________ away? 908 2094 1 0.5 km or less 2 More than 0.5 km to 1km 3 More than 1km to 5km 4 More than 5km to 10km 5 More than 10km to 15km 6 More than 15km Sysmiss MM25. How far is the closest mobile money agent (of any provider) from the place where you live? Is he/she ... away? MM25A.1. How many agents do you know of within each distance from the place wher MM25A.1. How many agents do you know of within each distance from the place wher MM25A.1. How many agents do you know of within each distance from the place wher MM25A.1. How many agents do you know of within each distance from the place wher MM25A.1. How many agents do you know of within each distance from the place wher How many agents do you know of within each distance from the place where you live? Try to remember of all the agents you know and count them as best as you can. 0.5 km or less 3002 999 MM25A.1. How many agents do you know of within each distance from the place where you live? 0.5 km or less MM25A.2. How many agents do you know of within each distance from the place wher MM25A.2. How many agents do you know of within each distance from the place wher MM25A.2. How many agents do you know of within each distance from the place wher MM25A.2. How many agents do you know of within each distance from the place wher MM25A.2. How many agents do you know of within each distance from the place wher How many agents do you know of within each distance from the place where you live? Try to remember of all the agents you know and count them as best as you can. More than 0.5 km to 1km 3002 999 MM25A.2. How many agents do you know of within each distance from the place where you live? More than 0.5 km to 1km MM25A.3. How many agents do you know of within each distance from the place wher MM25A.3. How many agents do you know of within each distance from the place wher MM25A.3. How many agents do you know of within each distance from the place wher MM25A.3. How many agents do you know of within each distance from the place wher MM25A.3. How many agents do you know of within each distance from the place wher How many agents do you know of within each distance from the place where you live? Try to remember of all the agents you know and count them as best as you can. More than 1km to 5km 3002 999 MM25A.3. How many agents do you know of within each distance from the place where you live? More than 1km to 5km MM25A.4. How many agents do you know of within each distance from the place wher MM25A.4. How many agents do you know of within each distance from the place wher MM25A.4. How many agents do you know of within each distance from the place wher MM25A.4. How many agents do you know of within each distance from the place wher MM25A.4. How many agents do you know of within each distance from the place wher How many agents do you know of within each distance from the place where you live? Try to remember of all the agents you know and count them as best as you can. More than 5km to 10km 3002 999 MM25A.4. How many agents do you know of within each distance from the place where you live? More than 5km to 10km MM25A.5. How many agents do you know of within each distance from the place wher MM25A.5. How many agents do you know of within each distance from the place wher MM25A.5. How many agents do you know of within each distance from the place wher MM25A.5. How many agents do you know of within each distance from the place wher MM25A.5. How many agents do you know of within each distance from the place wher How many agents do you know of within each distance from the place where you live? Try to remember of all the agents you know and count them as best as you can. More than 10km to 15km 3002 999 MM25A.5. How many agents do you know of within each distance from the place where you live? More than 10km to 15km MM26.1. Which of the following mobile money agents are the closest to where you MM26.1. Which of the following mobile money agents are the closest to where you MM26.1. Which of the following mobile money agents are the closest to where you MM26.1. Which of the following mobile money agents are the closest to where you MM26.1. Which of the following mobile money agents are the closest to where you Which of the following mobile money agent/agents is/arethe closest to where you live? Regardless of what service you use. MTN Mobile Money 908 2094 1 Yes 2 No Sysmiss MM26.1. Which of the following mobile money agents are the closest to where you live? Regardless of what service you use. MTN Mobile money MM26.2. Which of the following mobile money agents are the closest to where you MM26.2. Which of the following mobile money agents are the closest to where you MM26.2. Which of the following mobile money agents are the closest to where you MM26.2. Which of the following mobile money agents are the closest to where you MM26.2. Which of the following mobile money agents are the closest to where you Which of the following mobile money agent/agents is/arethe closest to where you live? Regardless of what service you use. Airtel Money 908 2094 1 Yes 2 No Sysmiss MM26.2. Which of the following mobile money agents are the closest to where you live? Regardless of what service you use. Airtel Money MM26.3. Which of the following mobile money agents are the closest to where you MM26.3. Which of the following mobile money agents are the closest to where you MM26.3. Which of the following mobile money agents are the closest to where you MM26.3. Which of the following mobile money agents are the closest to where you MM26.3. Which of the following mobile money agents are the closest to where you Which of the following mobile money agent/agents is/arethe closest to where you live? Regardless of what service you use. Tigo Cash 908 2094 1 Yes 2 No Sysmiss MM26.3. Which of the following mobile money agents are the closest to where you live? Regardless of what service you use. Tigo cash MM27. How do you usually get to a mobile money agent? Do you...? MM27. How do you usually get to a mobile money agent? Do you...? MM27. How do you usually get to a mobile money agent? Do you...? MM27. How do you usually get to a mobile money agent? Do you...? MM27. How do you usually get to a mobile money agent? Do you...? How do you usually get to a mobile money agent? Do you… 908 2094 1 Walk 2 Use a motorcycle taxi or a mini-bus taxi 3 Use a regular bus 4 Have to take a train 5 The agent comes to me 6 Ride a bicycle 7 Ride in my own car or motorbike 8 Get a car/motorbike ride for free with a friend, relative or neighbor 9 Other Sysmiss MM28. How long does it usually take you to get to a mobile money agent? MM28. How long does it usually take you to get to a mobile money agent? MM28. How long does it usually take you to get to a mobile money agent? MM28. How long does it usually take you to get to a mobile money agent? MM28. How long does it usually take you to get to a mobile money agent? How long does it usually take you to get to a mobile money agent? 908 2094 1 15 minutes or less 2 More than 15 to 30 minutes 3 More than 30 minutes to an hour 4 More than an hour to 2 hours 5 More than 2 hours to 4 hours 6 More than 4 hours Sysmiss MM29.1. Do you usually go to a mobile money agent at or near the following place MM29.1. Do you usually go to a mobile money agent at or near the following place MM29.1. Do you usually go to a mobile money agent at or near the following place MM29.1. Do you usually go to a mobile money agent at or near the following place MM29.1. Do you usually go to a mobile money agent at or near the following place Do you usually go to a mobile money agent at or near the following places? Your home 908 2094 1 Yes 2 No Sysmiss MM29.1. Do you usually go to a mobile money agent at or near the following places? Your home MM29.2. Do you usually go to a mobile money agent at or near the following place MM29.2. Do you usually go to a mobile money agent at or near the following place MM29.2. Do you usually go to a mobile money agent at or near the following place MM29.2. Do you usually go to a mobile money agent at or near the following place MM29.2. Do you usually go to a mobile money agent at or near the following place Do you usually go to a mobile money agent at or near the following places? Your work 908 2094 1 Yes 2 No Sysmiss MM29.2. Do you usually go to a mobile money agent at or near the following places? Your work MM29.3. Do you usually go to a mobile money agent at or near the following place MM29.3. Do you usually go to a mobile money agent at or near the following place MM29.3. Do you usually go to a mobile money agent at or near the following place MM29.3. Do you usually go to a mobile money agent at or near the following place MM29.3. Do you usually go to a mobile money agent at or near the following place Do you usually go to a mobile money agent at or near the following places? Where you shop for food 908 2094 1 Yes 2 No Sysmiss MM29.3. Do you usually go to a mobile money agent at or near the following places? Where you shop for food MM29.4. Do you usually go to a mobile money agent at or near the following place MM29.4. Do you usually go to a mobile money agent at or near the following place MM29.4. Do you usually go to a mobile money agent at or near the following place MM29.4. Do you usually go to a mobile money agent at or near the following place MM29.4. Do you usually go to a mobile money agent at or near the following place Do you usually go to a mobile money agent at or near the following places? Near your children’s school/childcare facility 908 2094 1 Yes 2 No Sysmiss MM29.4. Do you usually go to a mobile money agent at or near the following places? Near your children's school/childcare facility MM29.5. Do you usually go to a mobile money agent at or near the following place MM29.5. Do you usually go to a mobile money agent at or near the following place MM29.5. Do you usually go to a mobile money agent at or near the following place MM29.5. Do you usually go to a mobile money agent at or near the following place MM29.5. Do you usually go to a mobile money agent at or near the following place Do you usually go to a mobile money agent at or near the following places? Near a public transportation hub, for example, a bus stop or station 908 2094 1 Yes 2 No Sysmiss MM29.5. Do you usually go to a mobile money agent at or near the following places? Near a public transportation hub, for example, a bus stop or station MM29.6. Do you usually go to a mobile money agent at or near the following place MM29.6. Do you usually go to a mobile money agent at or near the following place MM29.6. Do you usually go to a mobile money agent at or near the following place MM29.6. Do you usually go to a mobile money agent at or near the following place MM29.6. Do you usually go to a mobile money agent at or near the following place Do you usually go to a mobile money agent at or near the following places? Near a shop where you go to charge your mobile phone 908 2094 1 Yes 2 No Sysmiss MM29.6. Do you usually go to a mobile money agent at or near the following places? Near a shop where you go to charge your mobile phone MM29.7. Do you usually go to a mobile money agent at or near the following place MM29.7. Do you usually go to a mobile money agent at or near the following place MM29.7. Do you usually go to a mobile money agent at or near the following place MM29.7. Do you usually go to a mobile money agent at or near the following place MM29.7. Do you usually go to a mobile money agent at or near the following place Do you usually go to a mobile money agent at or near the following places? Near/at the shop where you buy airtime 908 2094 1 Yes 2 No Sysmiss MM29.7. Do you usually go to a mobile money agent at or near the following places? Near/at the shop where you buy airtime MM29.8. Do you usually go to a mobile money agent at or near the following place MM29.8. Do you usually go to a mobile money agent at or near the following place MM29.8. Do you usually go to a mobile money agent at or near the following place MM29.8. Do you usually go to a mobile money agent at or near the following place MM29.8. Do you usually go to a mobile money agent at or near the following place Do you usually go to a mobile money agent at or near the following places? Other (Specify) 908 2094 1 Yes 2 No Sysmiss MM29.8. Do you usually go to a mobile money agent at or near the following places? Other MM30.1. Have you ever experienced any of the following issues with any mobile mo MM30.1. Have you ever experienced any of the following issues with any mobile mo MM30.1. Have you ever experienced any of the following issues with any mobile mo MM30.1. Have you ever experienced any of the following issues with any mobile mo MM30.1. Have you ever experienced any of the following issues with any mobile mo Have you ever experienced any of the following issues with any mobile money agent? GSM, mobile network or agent system was down 908 2094 1 Yes 2 No Sysmiss MM30.1. Have you ever experienced any of the following issues with any mobile money agent? Agent was absent MM31.1. How many times in the past 6 months have you experienced this issue? Age MM31.1. How many times in the past 6 months have you experienced this issue? Age MM31.1. How many times in the past 6 months have you experienced this issue? Age MM31.1. How many times in the past 6 months have you experienced this issue? Age MM31.1. How many times in the past 6 months have you experienced this issue? Age How many times in the past 180 days/6 months have you experienced this issue? GSM, mobile network or agent system was down 190 2812 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.1. How many times in the past 6 months have you experienced this issue? Agent was absent MM32.1. Have you reported this issue to the Customer Services of the Mobile Mone MM32.1. Have you reported this issue to the Customer Services of the Mobile Mone MM32.1. Have you reported this issue to the Customer Services of the Mobile Mone MM32.1. Have you reported this issue to the Customer Services of the Mobile Mone MM32.1. Have you reported this issue to the Customer Services of the Mobile Mone Have you reported this issue to the Customer Services of the Mobile Money Company? GSM, mobile network or agent system was down 190 2812 1 Yes 2 No Sysmiss MM32.1. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent was absent MM33.1. Was the issue resolved to your satisfaction? Agent was absent MM33.1. Was the issue resolved to your satisfaction? Agent was absent MM33.1. Was the issue resolved to your satisfaction? Agent was absent MM33.1. Was the issue resolved to your satisfaction? Agent was absent MM33.1. Was the issue resolved to your satisfaction? Agent was absent Was the issue resolved to your satisfaction? GSM, mobile network or agent system was down 190 2812 1 Yes 2 No Sysmiss MM30.2. Have you ever experienced any of the following issues with any mobile mo MM30.2. Have you ever experienced any of the following issues with any mobile mo MM30.2. Have you ever experienced any of the following issues with any mobile mo MM30.2. Have you ever experienced any of the following issues with any mobile mo MM30.2. Have you ever experienced any of the following issues with any mobile mo Have you ever experienced any of the following issues with any mobile money agent? Agent was absent 908 2094 1 Yes 2 No Sysmiss MM30.2. Have you ever experienced any of the following issues with any mobile money agent? Agent was rude MM31.2. How many times in the past 6 months have you experienced this issue? Age MM31.2. How many times in the past 6 months have you experienced this issue? Age MM31.2. How many times in the past 6 months have you experienced this issue? Age MM31.2. How many times in the past 6 months have you experienced this issue? Age MM31.2. How many times in the past 6 months have you experienced this issue? Age How many times in the past 180 days/6 months have you experienced this issue? Agent was absent 50 2952 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.2. How many times in the past 6 months have you experienced this issue? Agent was rude MM32.2. Have you reported this issue to the Customer Services of the Mobile Mone MM32.2. Have you reported this issue to the Customer Services of the Mobile Mone MM32.2. Have you reported this issue to the Customer Services of the Mobile Mone MM32.2. Have you reported this issue to the Customer Services of the Mobile Mone MM32.2. Have you reported this issue to the Customer Services of the Mobile Mone Have you reported this issue to the Customer Services of the Mobile Money Company? Agent was absent 50 2952 1 Yes 2 No Sysmiss MM32.2. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent was rude MM33.2. Was the issue resolved to your satisfaction? Agent was rude MM33.2. Was the issue resolved to your satisfaction? Agent was rude MM33.2. Was the issue resolved to your satisfaction? Agent was rude MM33.2. Was the issue resolved to your satisfaction? Agent was rude MM33.2. Was the issue resolved to your satisfaction? Agent was rude Was the issue resolved to your satisfaction? Agent was absent 50 2952 1 Yes 2 No Sysmiss MM30.3. Have you ever experienced any of the following issues with any mobile mo MM30.3. Have you ever experienced any of the following issues with any mobile mo MM30.3. Have you ever experienced any of the following issues with any mobile mo MM30.3. Have you ever experienced any of the following issues with any mobile mo MM30.3. Have you ever experienced any of the following issues with any mobile mo Have you ever experienced any of the following issues with any mobile money agent? Agent was rude 908 2094 1 Yes 2 No Sysmiss MM30.3. Have you ever experienced any of the following issues with any mobile money agent? Agent did not have enough cash or e-float and could not perform the transaction MM31.3. How many times in the past 6 months have you experienced this issue? Age MM31.3. How many times in the past 6 months have you experienced this issue? Age MM31.3. How many times in the past 6 months have you experienced this issue? Age MM31.3. How many times in the past 6 months have you experienced this issue? Age MM31.3. How many times in the past 6 months have you experienced this issue? Age How many times in the past 180 days/6 months have you experienced this issue? Agent was rude 203 2799 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.3. How many times in the past 6 months have you experienced this issue? Agent did not have enough cash or e-float and could not perform the transaction MM32.3. Have you reported this issue to the Customer Services of the Mobile Mone MM32.3. Have you reported this issue to the Customer Services of the Mobile Mone MM32.3. Have you reported this issue to the Customer Services of the Mobile Mone MM32.3. Have you reported this issue to the Customer Services of the Mobile Mone MM32.3. Have you reported this issue to the Customer Services of the Mobile Mone Have you reported this issue to the Customer Services of the Mobile Money Company? Agent was rude 203 2799 1 Yes 2 No Sysmiss MM32.3. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent did not have enough cash or e-float and could not perform the transaction MM33.3. Was the issue resolved to your satisfaction? Agent did not have enough c MM33.3. Was the issue resolved to your satisfaction? Agent did not have enough c MM33.3. Was the issue resolved to your satisfaction? Agent did not have enough c MM33.3. Was the issue resolved to your satisfaction? Agent did not have enough c MM33.3. Was the issue resolved to your satisfaction? Agent did not have enough c Was the issue resolved to your satisfaction? Agent was rude 203 2799 1 Yes 2 No Sysmiss MM33.3. Was the issue resolved to your satisfaction? Agent did not have enough cash or e-float and could not perform the transaction MM30.4. Have you ever experienced any of the following issues with any mobile mo MM30.4. Have you ever experienced any of the following issues with any mobile mo MM30.4. Have you ever experienced any of the following issues with any mobile mo MM30.4. Have you ever experienced any of the following issues with any mobile mo MM30.4. Have you ever experienced any of the following issues with any mobile mo Have you ever experienced any of the following issues with any mobile money agent? Agent did not have enough cash or e-float and could not perform the transaction 908 2094 1 Yes 2 No Sysmiss MM30.4. Have you ever experienced any of the following issues with any mobile money agent? Agent refused to perform transaction for no reason MM31.4. How many times in the past 6 months have you experienced this issue? Age MM31.4. How many times in the past 6 months have you experienced this issue? Age MM31.4. How many times in the past 6 months have you experienced this issue? Age MM31.4. How many times in the past 6 months have you experienced this issue? Age MM31.4. How many times in the past 6 months have you experienced this issue? Age How many times in the past 180 days/6 months have you experienced this issue? Agent did not have enough cash or e-float and could not perform the transaction 15 2987 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.4. How many times in the past 6 months have you experienced this issue? Agent refused to perform transaction for no reason MM32.4. Have you reported this issue to the Customer Services of the Mobile Mone MM32.4. Have you reported this issue to the Customer Services of the Mobile Mone MM32.4. Have you reported this issue to the Customer Services of the Mobile Mone MM32.4. Have you reported this issue to the Customer Services of the Mobile Mone MM32.4. Have you reported this issue to the Customer Services of the Mobile Mone Have you reported this issue to the Customer Services of the Mobile Money Company? Agent did not have enough cash or e-float and could not perform the transaction 15 2987 1 Yes 2 No Sysmiss MM32.4. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent refused to perform transaction for no reason MM33.4. Was the issue resolved to your satisfaction? Agent refused to perform tr MM33.4. Was the issue resolved to your satisfaction? Agent refused to perform tr MM33.4. Was the issue resolved to your satisfaction? Agent refused to perform tr MM33.4. Was the issue resolved to your satisfaction? Agent refused to perform tr MM33.4. Was the issue resolved to your satisfaction? Agent refused to perform tr Was the issue resolved to your satisfaction? Agent did not have enough cash or e-float and could not perform the transaction 15 2987 1 Yes 2 No Sysmiss MM33.4. Was the issue resolved to your satisfaction? Agent refused to perform transaction for no reason MM30.5. Have you ever experienced any of the following issues with any mobile mo MM30.5. Have you ever experienced any of the following issues with any mobile mo MM30.5. Have you ever experienced any of the following issues with any mobile mo MM30.5. Have you ever experienced any of the following issues with any mobile mo MM30.5. Have you ever experienced any of the following issues with any mobile mo Have you ever experienced any of the following issues with any mobile money agent? Agent refused to perform transaction for no reason 908 2094 1 Yes 2 No Sysmiss MM30.5. Have you ever experienced any of the following issues with any mobile money agent? Agent did not know how to perform the transaction MM31.5. How many times in the past 6 months have you experienced this issue? Age MM31.5. How many times in the past 6 months have you experienced this issue? Age MM31.5. How many times in the past 6 months have you experienced this issue? Age MM31.5. How many times in the past 6 months have you experienced this issue? Age MM31.5. How many times in the past 6 months have you experienced this issue? Age How many times in the past 180 days/6 months have you experienced this issue? Agent refused to perform transaction for no reason 9 2993 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.5. How many times in the past 6 months have you experienced this issue? Agent did not know how to perform the transaction MM32.5. Have you reported this issue to the Customer Services of the Mobile Mone MM32.5. Have you reported this issue to the Customer Services of the Mobile Mone MM32.5. Have you reported this issue to the Customer Services of the Mobile Mone MM32.5. Have you reported this issue to the Customer Services of the Mobile Mone MM32.5. Have you reported this issue to the Customer Services of the Mobile Mone Have you reported this issue to the Customer Services of the Mobile Money Company? Agent refused to perform transaction for no reason 9 2993 1 Yes 2 No Sysmiss MM32.5. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent did not know how to perform the transaction MM33.5. Was the issue resolved to your satisfaction? Agent did not know how to p MM33.5. Was the issue resolved to your satisfaction? Agent did not know how to p MM33.5. Was the issue resolved to your satisfaction? Agent did not know how to p MM33.5. Was the issue resolved to your satisfaction? Agent did not know how to p MM33.5. Was the issue resolved to your satisfaction? Agent did not know how to p Was the issue resolved to your satisfaction? Agent refused to perform transaction for no reason 9 2993 1 Yes 2 No Sysmiss MM33.5. Was the issue resolved to your satisfaction? Agent did not know how to perform the transaction MM30.6. Have you ever experienced any of the following issues with any mobile mo MM30.6. Have you ever experienced any of the following issues with any mobile mo MM30.6. Have you ever experienced any of the following issues with any mobile mo MM30.6. Have you ever experienced any of the following issues with any mobile mo MM30.6. Have you ever experienced any of the following issues with any mobile mo Have you ever experienced any of the following issues with any mobile money agent? Agent did not know how to perform the transaction 908 2094 1 Yes 2 No Sysmiss MM30.6. Have you ever experienced any of the following issues with any mobile money agent? Agent overcharged for the transaction or asked to pay a deposit MM31.6. How many times in the past 6 months have you experienced this issue? Age MM31.6. How many times in the past 6 months have you experienced this issue? Age MM31.6. How many times in the past 6 months have you experienced this issue? Age MM31.6. How many times in the past 6 months have you experienced this issue? Age MM31.6. How many times in the past 6 months have you experienced this issue? Age How many times in the past 180 days/6 months have you experienced this issue? Agent did not know how to perform the transaction 29 2973 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.6. How many times in the past 6 months have you experienced this issue? Agent overcharged for the transaction or asked to pay a deposit MM32.6. Have you reported this issue to the Customer Services of the Mobile Mone MM32.6. Have you reported this issue to the Customer Services of the Mobile Mone MM32.6. Have you reported this issue to the Customer Services of the Mobile Mone MM32.6. Have you reported this issue to the Customer Services of the Mobile Mone MM32.6. Have you reported this issue to the Customer Services of the Mobile Mone Have you reported this issue to the Customer Services of the Mobile Money Company? Agent did not know how to perform the transaction 29 2973 1 Yes 2 No Sysmiss MM32.6. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent overcharged for the transaction or asked to pay a deposit MM33.6. Was the issue resolved to your satisfaction? Agent overcharged for the t MM33.6. Was the issue resolved to your satisfaction? Agent overcharged for the t MM33.6. Was the issue resolved to your satisfaction? Agent overcharged for the t MM33.6. Was the issue resolved to your satisfaction? Agent overcharged for the t MM33.6. Was the issue resolved to your satisfaction? Agent overcharged for the t Was the issue resolved to your satisfaction? Agent did not know how to perform the transaction 29 2973 1 Yes 2 No Sysmiss MM33.6. Was the issue resolved to your satisfaction? Agent overcharged for the transaction or asked to pay a deposit MM30.7. Have you ever experienced any of the following issues with any mobile mo MM30.7. Have you ever experienced any of the following issues with any mobile mo MM30.7. Have you ever experienced any of the following issues with any mobile mo MM30.7. Have you ever experienced any of the following issues with any mobile mo MM30.7. Have you ever experienced any of the following issues with any mobile mo Have you ever experienced any of the following issues with any mobile money agent? Agent overcharged for the transaction or asked me to pay a deposit before they make the transaction I want 908 2094 1 Yes 2 No Sysmiss MM30.7. Have you ever experienced any of the following issues with any mobile money agent? Agent did not give all the cash that was owed MM31.7. How many times in the past 6 months have you experienced this issue? Age MM31.7. How many times in the past 6 months have you experienced this issue? Age MM31.7. How many times in the past 6 months have you experienced this issue? Age MM31.7. How many times in the past 6 months have you experienced this issue? Age MM31.7. How many times in the past 6 months have you experienced this issue? Age How many times in the past 180 days/6 months have you experienced this issue? Agent overcharged for the transaction or asked me to pay a deposit before they make the transaction I want 22 2980 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.7. How many times in the past 6 months have you experienced this issue? Agent did not give all the cash that was owed MM32.7. Have you reported this issue to the Customer Services of the Mobile Mone MM32.7. Have you reported this issue to the Customer Services of the Mobile Mone MM32.7. Have you reported this issue to the Customer Services of the Mobile Mone MM32.7. Have you reported this issue to the Customer Services of the Mobile Mone MM32.7. Have you reported this issue to the Customer Services of the Mobile Mone Have you reported this issue to the Customer Services of the Mobile Money Company? Agent overcharged for the transaction or asked me to pay a deposit before they make the transaction I want 22 2980 1 Yes 2 No Sysmiss MM32.7. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent did not give all the cash that was owed MM33.7. Was the issue resolved to your satisfaction? Agent did not give all the MM33.7. Was the issue resolved to your satisfaction? Agent did not give all the MM33.7. Was the issue resolved to your satisfaction? Agent did not give all the MM33.7. Was the issue resolved to your satisfaction? Agent did not give all the MM33.7. Was the issue resolved to your satisfaction? Agent did not give all the Was the issue resolved to your satisfaction? Agent overcharged for the transaction or asked me to pay a deposit before they make the transaction I want 22 2980 1 Yes 2 No Sysmiss MM33.7. Was the issue resolved to your satisfaction? Agent did not give all the cash that was owed MM30.8. Have you ever experienced any of the following issues with any mobile mo MM30.8. Have you ever experienced any of the following issues with any mobile mo MM30.8. Have you ever experienced any of the following issues with any mobile mo MM30.8. Have you ever experienced any of the following issues with any mobile mo MM30.8. Have you ever experienced any of the following issues with any mobile mo Have you ever experienced any of the following issues with any mobile money agent? Agent did not give all the cash that was owed 908 2094 1 Yes 2 No Sysmiss MM30.8. Have you ever experienced any of the following issues with any mobile money agent? GSM, mobile network or agent system was down MM31.8. How many times in the past 6 months have you experienced this issue? GSM MM31.8. How many times in the past 6 months have you experienced this issue? GSM MM31.8. How many times in the past 6 months have you experienced this issue? GSM MM31.8. How many times in the past 6 months have you experienced this issue? GSM MM31.8. How many times in the past 6 months have you experienced this issue? GSM How many times in the past 180 days/6 months have you experienced this issue? Agent did not give all the cash that was owed 359 2643 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.8. How many times in the past 6 months have you experienced this issue? GSM, mobile network or agent system was down MM32.8. Have you reported this issue to the Customer Services of the Mobile Mone MM32.8. Have you reported this issue to the Customer Services of the Mobile Mone MM32.8. Have you reported this issue to the Customer Services of the Mobile Mone MM32.8. Have you reported this issue to the Customer Services of the Mobile Mone MM32.8. Have you reported this issue to the Customer Services of the Mobile Mone Have you reported this issue to the Customer Services of the Mobile Money Company? Agent did not give all the cash that was owed 359 2643 1 Yes 2 No Sysmiss MM32.8. Have you reported this issue to the Customer Services of the Mobile Money Company? GSM, mobile network or agent system was down MM33.8. Was the issue resolved to your satisfaction? GSM, mobile network or agen MM33.8. Was the issue resolved to your satisfaction? GSM, mobile network or agen MM33.8. Was the issue resolved to your satisfaction? GSM, mobile network or agen MM33.8. Was the issue resolved to your satisfaction? GSM, mobile network or agen MM33.8. Was the issue resolved to your satisfaction? GSM, mobile network or agen Was the issue resolved to your satisfaction? Agent did not give all the cash that was owed 359 2643 1 Yes 2 No Sysmiss MM33.8. Was the issue resolved to your satisfaction? GSM, mobile network or agent system was down MM30.9. Have you ever experienced any of the following issues with any mobile mo MM30.9. Have you ever experienced any of the following issues with any mobile mo MM30.9. Have you ever experienced any of the following issues with any mobile mo MM30.9. Have you ever experienced any of the following issues with any mobile mo MM30.9. Have you ever experienced any of the following issues with any mobile mo Have you ever experienced any of the following issues with any mobile money agent? It was very time consuming/agent was slow 908 2094 1 Yes 2 No Sysmiss MM30.9. Have you ever experienced any of the following issues with any mobile money agent? It was very time consuming MM31.9. How many times in the past 6 months have you experienced this issue? It MM31.9. How many times in the past 6 months have you experienced this issue? It MM31.9. How many times in the past 6 months have you experienced this issue? It MM31.9. How many times in the past 6 months have you experienced this issue? It MM31.9. How many times in the past 6 months have you experienced this issue? It How many times in the past 180 days/6 months have you experienced this issue? It was very time consuming/agent was slow 116 2886 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.9. How many times in the past 6 months have you experienced this issue? It was very time consuming MM32.9. Have you reported this issue to the Customer Services of the Mobile Mone MM32.9. Have you reported this issue to the Customer Services of the Mobile Mone MM32.9. Have you reported this issue to the Customer Services of the Mobile Mone MM32.9. Have you reported this issue to the Customer Services of the Mobile Mone MM32.9. Have you reported this issue to the Customer Services of the Mobile Mone Have you reported this issue to the Customer Services of the Mobile Money Company? It was very time consuming/agent was slow 116 2886 1 Yes 2 No Sysmiss MM32.9. Have you reported this issue to the Customer Services of the Mobile Money Company? It was very time consuming MM33.9. Was the issue resolved to your satisfaction? It was very time consuming MM33.9. Was the issue resolved to your satisfaction? It was very time consuming MM33.9. Was the issue resolved to your satisfaction? It was very time consuming MM33.9. Was the issue resolved to your satisfaction? It was very time consuming MM33.9. Was the issue resolved to your satisfaction? It was very time consuming Was the issue resolved to your satisfaction? It was very time consuming/agent was slow 116 2886 1 Yes 2 No Sysmiss MM30.10. Have you ever experienced any of the following issues with any mobile m MM30.10. Have you ever experienced any of the following issues with any mobile m MM30.10. Have you ever experienced any of the following issues with any mobile m MM30.10. Have you ever experienced any of the following issues with any mobile m MM30.10. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? I did not get a receipt, including SMS receipt 908 2094 1 Yes 2 No Sysmiss MM30.10. Have you ever experienced any of the following issues with any mobile money agent? I did not get a receipt, including SMS receipt MM31.10. How many times in the past 6 months have you experienced this issue? I MM31.10. How many times in the past 6 months have you experienced this issue? I MM31.10. How many times in the past 6 months have you experienced this issue? I MM31.10. How many times in the past 6 months have you experienced this issue? I MM31.10. How many times in the past 6 months have you experienced this issue? I How many times in the past 180 days/6 months have you experienced this issue? I did not get a receipt, including SMS receipt 64 2938 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.10. How many times in the past 6 months have you experienced this issue? I did not get a receipt, including SMS receipt MM32.10. Have you reported this issue to the Customer Services of the Mobile Mon MM32.10. Have you reported this issue to the Customer Services of the Mobile Mon MM32.10. Have you reported this issue to the Customer Services of the Mobile Mon MM32.10. Have you reported this issue to the Customer Services of the Mobile Mon MM32.10. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? I did not get a receipt, including SMS receipt 64 2938 1 Yes 2 No Sysmiss MM32.10. Have you reported this issue to the Customer Services of the Mobile Money Company? I did not get a receipt, including SMS receipt MM33.10. Was the issue resolved to your satisfaction? I did not get a receipt, i MM33.10. Was the issue resolved to your satisfaction? I did not get a receipt, i MM33.10. Was the issue resolved to your satisfaction? I did not get a receipt, i MM33.10. Was the issue resolved to your satisfaction? I did not get a receipt, i MM33.10. Was the issue resolved to your satisfaction? I did not get a receipt, i Was the issue resolved to your satisfaction? I did not get a receipt, including SMS receipt 64 2938 1 Yes 2 No Sysmiss MM33.10. Was the issue resolved to your satisfaction? I did not get a receipt, including SMS receipt MM30.11. Have you ever experienced any of the following issues with any mobile m MM30.11. Have you ever experienced any of the following issues with any mobile m MM30.11. Have you ever experienced any of the following issues with any mobile m MM30.11. Have you ever experienced any of the following issues with any mobile m MM30.11. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? Agent charged me for depositing money 908 2094 1 Yes 2 No Sysmiss MM30.11. Have you ever experienced any of the following issues with any mobile money agent? Agent charged me for depositing money MM31.11. How many times in the past 6 months have you experienced this issue? Ag MM31.11. How many times in the past 6 months have you experienced this issue? Ag MM31.11. How many times in the past 6 months have you experienced this issue? Ag MM31.11. How many times in the past 6 months have you experienced this issue? Ag MM31.11. How many times in the past 6 months have you experienced this issue? Ag How many times in the past 180 days/6 months have you experienced this issue? Agent charged me for depositing money 31 2971 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.11. How many times in the past 6 months have you experienced this issue? Agent charged me for depositing money MM32.11. Have you reported this issue to the Customer Services of the Mobile Mon MM32.11. Have you reported this issue to the Customer Services of the Mobile Mon MM32.11. Have you reported this issue to the Customer Services of the Mobile Mon MM32.11. Have you reported this issue to the Customer Services of the Mobile Mon MM32.11. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? Agent charged me for depositing money 31 2971 1 Yes 2 No Sysmiss MM32.11. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent charged me for depositing money MM33.11. Was the issue resolved to your satisfaction? Agent charged me for depos MM33.11. Was the issue resolved to your satisfaction? Agent charged me for depos MM33.11. Was the issue resolved to your satisfaction? Agent charged me for depos MM33.11. Was the issue resolved to your satisfaction? Agent charged me for depos MM33.11. Was the issue resolved to your satisfaction? Agent charged me for depos Was the issue resolved to your satisfaction? Agent charged me for depositing money 31 2971 1 Yes 2 No Sysmiss MM33.11. Was the issue resolved to your satisfaction? Agent charged me for depositing money MM30.12. Have you ever experienced any of the following issues with any mobile m MM30.12. Have you ever experienced any of the following issues with any mobile m MM30.12. Have you ever experienced any of the following issues with any mobile m MM30.12. Have you ever experienced any of the following issues with any mobile m MM30.12. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? Agent asked for my PIN number 908 2094 1 Yes 2 No Sysmiss MM30.12. Have you ever experienced any of the following issues with any mobile money agent? Agent charged me for services that should be free or charged me on top of the charge from the provider MM31.12. How many times in the past 6 months have you experienced this issue? Ag MM31.12. How many times in the past 6 months have you experienced this issue? Ag MM31.12. How many times in the past 6 months have you experienced this issue? Ag MM31.12. How many times in the past 6 months have you experienced this issue? Ag MM31.12. How many times in the past 6 months have you experienced this issue? Ag How many times in the past 180 days/6 months have you experienced this issue? Agent asked for my PIN number 22 2980 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.12. How many times in the past 6 months have you experienced this issue? Agent charged me for services that should be free or charged me on top of the charge from the provider MM32.12. Have you reported this issue to the Customer Services of the Mobile Mon MM32.12. Have you reported this issue to the Customer Services of the Mobile Mon MM32.12. Have you reported this issue to the Customer Services of the Mobile Mon MM32.12. Have you reported this issue to the Customer Services of the Mobile Mon MM32.12. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? Agent asked for my PIN number 22 2980 1 Yes 2 No Sysmiss MM32.12. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent charged me for services that should be free or charged me on top of the charge from the provider MM33.12. Was the issue resolved to your satisfaction? Agent charged me for servi MM33.12. Was the issue resolved to your satisfaction? Agent charged me for servi MM33.12. Was the issue resolved to your satisfaction? Agent charged me for servi MM33.12. Was the issue resolved to your satisfaction? Agent charged me for servi MM33.12. Was the issue resolved to your satisfaction? Agent charged me for servi Was the issue resolved to your satisfaction? Agent asked for my PIN number 22 2980 1 Yes 2 No Sysmiss MM33.12. Was the issue resolved to your satisfaction? Agent charged me for services that should be free or charged me on top of the charge from the provider MM30.13. Have you ever experienced any of the following issues with any mobile m MM30.13. Have you ever experienced any of the following issues with any mobile m MM30.13. Have you ever experienced any of the following issues with any mobile m MM30.13. Have you ever experienced any of the following issues with any mobile m MM30.13. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? Agent was dismissive of women 908 2094 1 Yes 2 No Sysmiss MM30.13. Have you ever experienced any of the following issues with any mobile money agent? Agent asked for my PIN number MM31.13. How many times in the past 6 months have you experienced this issue? Ag MM31.13. How many times in the past 6 months have you experienced this issue? Ag MM31.13. How many times in the past 6 months have you experienced this issue? Ag MM31.13. How many times in the past 6 months have you experienced this issue? Ag MM31.13. How many times in the past 6 months have you experienced this issue? Ag How many times in the past 180 days/6 months have you experienced this issue? Agent was dismissive of women 120 2882 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.13. How many times in the past 6 months have you experienced this issue? Agent asked for my PIN number MM32.13. Have you reported this issue to the Customer Services of the Mobile Mon MM32.13. Have you reported this issue to the Customer Services of the Mobile Mon MM32.13. Have you reported this issue to the Customer Services of the Mobile Mon MM32.13. Have you reported this issue to the Customer Services of the Mobile Mon MM32.13. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? Agent was dismissive of women 120 2882 1 Yes 2 No Sysmiss MM32.13. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent asked for my PIN number MM33.13. Was the issue resolved to your satisfaction? Agent asked for my PIN num MM33.13. Was the issue resolved to your satisfaction? Agent asked for my PIN num MM33.13. Was the issue resolved to your satisfaction? Agent asked for my PIN num MM33.13. Was the issue resolved to your satisfaction? Agent asked for my PIN num MM33.13. Was the issue resolved to your satisfaction? Agent asked for my PIN num Was the issue resolved to your satisfaction? Agent was dismissive of women 120 2882 1 Yes 2 No Sysmiss MM33.13. Was the issue resolved to your satisfaction? Agent asked for my PIN number MM30.14. Have you ever experienced any of the following issues with any mobile m MM30.14. Have you ever experienced any of the following issues with any mobile m MM30.14. Have you ever experienced any of the following issues with any mobile m MM30.14. Have you ever experienced any of the following issues with any mobile m MM30.14. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? Agent’s place was not secure/there were suspicious people at agent’s place 908 2094 1 Yes 2 No Sysmiss MM30.14. Have you ever experienced any of the following issues with any mobile money agent? Agent was dismissive of women MM31.14. How many times in the past 6 months have you experienced this issue? Ag MM31.14. How many times in the past 6 months have you experienced this issue? Ag MM31.14. How many times in the past 6 months have you experienced this issue? Ag MM31.14. How many times in the past 6 months have you experienced this issue? Ag MM31.14. How many times in the past 6 months have you experienced this issue? Ag How many times in the past 180 days/6 months have you experienced this issue? Agent’s place was not secure/there were suspicious people at agent’s place 12 2990 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.14. How many times in the past 6 months have you experienced this issue? Agent was dismissive of women MM32.14. Have you reported this issue to the Customer Services of the Mobile Mon MM32.14. Have you reported this issue to the Customer Services of the Mobile Mon MM32.14. Have you reported this issue to the Customer Services of the Mobile Mon MM32.14. Have you reported this issue to the Customer Services of the Mobile Mon MM32.14. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? Agent’s place was not secure/there were suspicious people at agent’s place 12 2990 1 Yes 2 No Sysmiss MM32.14. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent was dismissive of women MM33.14. Was the issue resolved to your satisfaction? Agent was dismissive of wo MM33.14. Was the issue resolved to your satisfaction? Agent was dismissive of wo MM33.14. Was the issue resolved to your satisfaction? Agent was dismissive of wo MM33.14. Was the issue resolved to your satisfaction? Agent was dismissive of wo MM33.14. Was the issue resolved to your satisfaction? Agent was dismissive of wo Was the issue resolved to your satisfaction? Agent’s place was not secure/there were suspicious people at agent’s place 12 2990 1 Yes 2 No Sysmiss MM33.14. Was the issue resolved to your satisfaction? Agent was dismissive of women MM30.15. Have you ever experienced any of the following issues with any mobile m MM30.15. Have you ever experienced any of the following issues with any mobile m MM30.15. Have you ever experienced any of the following issues with any mobile m MM30.15. Have you ever experienced any of the following issues with any mobile m MM30.15. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? Agent shared my personal/account information with other people without my knowledge/permission 908 2094 1 Yes 2 No Sysmiss MM30.15. Have you ever experienced any of the following issues with any mobile money agent? Agent's place was not secure/there were suspicious people at agent's place MM31.15. How many times in the past 6 months have you experienced this issue? Ag MM31.15. How many times in the past 6 months have you experienced this issue? Ag MM31.15. How many times in the past 6 months have you experienced this issue? Ag MM31.15. How many times in the past 6 months have you experienced this issue? Ag MM31.15. How many times in the past 6 months have you experienced this issue? Ag How many times in the past 180 days/6 months have you experienced this issue? Agent shared my personal/account information with other people without my knowledge/permission 10 2992 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.15. How many times in the past 6 months have you experienced this issue? Agent's place was not secure/there were suspicious people at agent's place MM32.15. Have you reported this issue to the Customer Services of the Mobile Mon MM32.15. Have you reported this issue to the Customer Services of the Mobile Mon MM32.15. Have you reported this issue to the Customer Services of the Mobile Mon MM32.15. Have you reported this issue to the Customer Services of the Mobile Mon MM32.15. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? Agent shared my personal/account information with other people without my knowledge/permission 10 2992 1 Yes 2 No Sysmiss MM32.15. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent's place was not secure/there were suspicious people at agent's place MM33.15. Was the issue resolved to your satisfaction? Agent's place was not secu MM33.15. Was the issue resolved to your satisfaction? Agent's place was not secu MM33.15. Was the issue resolved to your satisfaction? Agent's place was not secu MM33.15. Was the issue resolved to your satisfaction? Agent's place was not secu MM33.15. Was the issue resolved to your satisfaction? Agent's place was not secu Was the issue resolved to your satisfaction? Agent shared my personal/account information with other people without my knowledge/permission 10 2992 1 Yes 2 No Sysmiss MM33.15. Was the issue resolved to your satisfaction? Agent's place was not secure/there were suspicious people at agent's place MM30.16. Have you ever experienced any of the following issues with any mobile m MM30.16. Have you ever experienced any of the following issues with any mobile m MM30.16. Have you ever experienced any of the following issues with any mobile m MM30.16. Have you ever experienced any of the following issues with any mobile m MM30.16. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? Agent defrauded me of money or assisted other people in scamming me 908 2094 1 Yes 2 No Sysmiss MM30.16. Have you ever experienced any of the following issues with any mobile money agent? Agent shared my personal/account information with other people without my knowledge/permission MM31.16. How many times in the past 6 months have you experienced this issue? Ag MM31.16. How many times in the past 6 months have you experienced this issue? Ag MM31.16. How many times in the past 6 months have you experienced this issue? Ag MM31.16. How many times in the past 6 months have you experienced this issue? Ag MM31.16. How many times in the past 6 months have you experienced this issue? Ag How many times in the past 180 days/6 months have you experienced this issue? Agent defrauded me of money or assisted other people in scamming me 4 2998 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.16. How many times in the past 6 months have you experienced this issue? Agent shared my personal/account information with other people without my knowledge/permission MM32.16. Have you reported this issue to the Customer Services of the Mobile Mon MM32.16. Have you reported this issue to the Customer Services of the Mobile Mon MM32.16. Have you reported this issue to the Customer Services of the Mobile Mon MM32.16. Have you reported this issue to the Customer Services of the Mobile Mon MM32.16. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? Agent defrauded me of money or assisted other people in scamming me 4 2998 1 Yes 2 No Sysmiss MM32.16. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent shared my personal/account information with other people without my knowledge/permission MM33.16. Was the issue resolved to your satisfaction? Agent shared my personal/a MM33.16. Was the issue resolved to your satisfaction? Agent shared my personal/a MM33.16. Was the issue resolved to your satisfaction? Agent shared my personal/a MM33.16. Was the issue resolved to your satisfaction? Agent shared my personal/a MM33.16. Was the issue resolved to your satisfaction? Agent shared my personal/a Was the issue resolved to your satisfaction? Agent defrauded me of money or assisted other people in scamming me 4 2998 1 Yes 2 No Sysmiss MM33.16. Was the issue resolved to your satisfaction? Agent shared my personal/account information with other people without my knowledge/permission MM30.17. Have you ever experienced any of the following issues with any mobile m MM30.17. Have you ever experienced any of the following issues with any mobile m MM30.17. Have you ever experienced any of the following issues with any mobile m MM30.17. Have you ever experienced any of the following issues with any mobile m MM30.17. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? I had money stolen from me on the way to/from the agent 908 2094 1 Yes 2 No Sysmiss MM30.17. Have you ever experienced any of the following issues with any mobile money agent? Agent defrauded me of money or assisted other people in scamming me MM31.17. How many times in the past 6 months have you experienced this issue? Ag MM31.17. How many times in the past 6 months have you experienced this issue? Ag MM31.17. How many times in the past 6 months have you experienced this issue? Ag MM31.17. How many times in the past 6 months have you experienced this issue? Ag MM31.17. How many times in the past 6 months have you experienced this issue? Ag How many times in the past 180 days/6 months have you experienced this issue? I had money stolen from me on the way to/from the agent 2 3000 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.17. How many times in the past 6 months have you experienced this issue? Agent defrauded me of money or assisted other people in scamming me MM32.17. Have you reported this issue to the Customer Services of the Mobile Mon MM32.17. Have you reported this issue to the Customer Services of the Mobile Mon MM32.17. Have you reported this issue to the Customer Services of the Mobile Mon MM32.17. Have you reported this issue to the Customer Services of the Mobile Mon MM32.17. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? I had money stolen from me on the way to/from the agent 2 3000 1 Yes 2 No Sysmiss MM32.17. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent defrauded me of money or assisted other people in scamming me MM33.17. Was the issue resolved to your satisfaction? Agent defrauded me of mone MM33.17. Was the issue resolved to your satisfaction? Agent defrauded me of mone MM33.17. Was the issue resolved to your satisfaction? Agent defrauded me of mone MM33.17. Was the issue resolved to your satisfaction? Agent defrauded me of mone MM33.17. Was the issue resolved to your satisfaction? Agent defrauded me of mone Was the issue resolved to your satisfaction? I had money stolen from me on the way to/from the agent 2 3000 1 Yes 2 No Sysmiss MM33.17. Was the issue resolved to your satisfaction? Agent defrauded me of money or assisted other people in scamming me MM30.18. Have you ever experienced any of the following issues with any mobile m MM30.18. Have you ever experienced any of the following issues with any mobile m MM30.18. Have you ever experienced any of the following issues with any mobile m MM30.18. Have you ever experienced any of the following issues with any mobile m MM30.18. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? Agent’s place was inconvenient, e.g., very noisy, dirty, too close to the road, etc. 908 2094 1 Yes 2 No Sysmiss MM30.18. Have you ever experienced any of the following issues with any mobile money agent? I had money stolen from me on the way to/from the agent MM31.18. How many times in the past 6 months have you experienced this issue? I MM31.18. How many times in the past 6 months have you experienced this issue? I MM31.18. How many times in the past 6 months have you experienced this issue? I MM31.18. How many times in the past 6 months have you experienced this issue? I MM31.18. How many times in the past 6 months have you experienced this issue? I How many times in the past 180 days/6 months have you experienced this issue? Agent’s place was inconvenient, e.g., very noisy, dirty, too close to the road, etc. 3 2999 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.18. How many times in the past 6 months have you experienced this issue? I had money stolen from me on the way to/from the agent MM32.18. Have you reported this issue to the Customer Services of the Mobile Mon MM32.18. Have you reported this issue to the Customer Services of the Mobile Mon MM32.18. Have you reported this issue to the Customer Services of the Mobile Mon MM32.18. Have you reported this issue to the Customer Services of the Mobile Mon MM32.18. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? Agent’s place was inconvenient, e.g., very noisy, dirty, too close to the road, etc. 3 2999 1 Yes 2 No Sysmiss MM32.18. Have you reported this issue to the Customer Services of the Mobile Money Company? I had money stolen from me on the way to/from the agent MM33.18. Was the issue resolved to your satisfaction? I had money stolen from me MM33.18. Was the issue resolved to your satisfaction? I had money stolen from me MM33.18. Was the issue resolved to your satisfaction? I had money stolen from me MM33.18. Was the issue resolved to your satisfaction? I had money stolen from me MM33.18. Was the issue resolved to your satisfaction? I had money stolen from me Was the issue resolved to your satisfaction? Agent’s place was inconvenient, e.g., very noisy, dirty, too close to the road, etc. 3 2999 1 Yes 2 No Sysmiss MM33.18. Was the issue resolved to your satisfaction? I had money stolen from me on the way to/from the agent MM30.19. Have you ever experienced any of the following issues with any mobile m MM30.19. Have you ever experienced any of the following issues with any mobile m MM30.19. Have you ever experienced any of the following issues with any mobile m MM30.19. Have you ever experienced any of the following issues with any mobile m MM30.19. Have you ever experienced any of the following issues with any mobile m Have you ever experienced any of the following issues with any mobile money agent? Agent’s place was difficult to find, e.g., no signage, hidden from sight, etc. 908 2094 1 Yes 2 No Sysmiss MM30.19. Have you ever experienced any of the following issues with any mobile money agent? Other MM31.19. How many times in the past 6 months have you experienced this issue? Ot MM31.19. How many times in the past 6 months have you experienced this issue? Ot MM31.19. How many times in the past 6 months have you experienced this issue? Ot MM31.19. How many times in the past 6 months have you experienced this issue? Ot MM31.19. How many times in the past 6 months have you experienced this issue? Ot How many times in the past 180 days/6 months have you experienced this issue? Agent’s place was difficult to find, e.g., no signage, hidden from sight, etc. 2 3000 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM31.19. How many times in the past 6 months have you experienced this issue? Other MM32.19. Have you reported this issue to the Customer Services of the Mobile Mon MM32.19. Have you reported this issue to the Customer Services of the Mobile Mon MM32.19. Have you reported this issue to the Customer Services of the Mobile Mon MM32.19. Have you reported this issue to the Customer Services of the Mobile Mon MM32.19. Have you reported this issue to the Customer Services of the Mobile Mon Have you reported this issue to the Customer Services of the Mobile Money Company? Agent’s place was difficult to find, e.g., no signage, hidden from sight, etc. 2 3000 1 Yes 2 No Sysmiss MM32.19. Have you reported this issue to the Customer Services of the Mobile Money Company? Other MM33.19. Was the issue resolved to your satisfaction? Other MM33.19. Was the issue resolved to your satisfaction? Other MM33.19. Was the issue resolved to your satisfaction? Other MM33.19. Was the issue resolved to your satisfaction? Other MM33.19. Was the issue resolved to your satisfaction? Other Was the issue resolved to your satisfaction? Agent’s place was difficult to find, e.g., no signage, hidden from sight, etc. 2 3000 1 Yes 2 No Sysmiss MM34.1. Have you ever experienced any of the following issues when making mobile MM34.1. Have you ever experienced any of the following issues when making mobile MM34.1. Have you ever experienced any of the following issues when making mobile MM34.1. Have you ever experienced any of the following issues when making mobile MM34.1. Have you ever experienced any of the following issues when making mobile Have you ever experienced any of the following issues when making mobile money transactions without agents? My registration has taken long (more than a day) to get approved 908 2094 1 Yes 2 No Sysmiss MM34.1. Have you ever experienced any of the following issues when making mobile money transactions without agents? My registration has taken long (more than a day) to get approved MM35.1. How many times in the past 6 months have you experienced this issue? My MM35.1. How many times in the past 6 months have you experienced this issue? My MM35.1. How many times in the past 6 months have you experienced this issue? My MM35.1. How many times in the past 6 months have you experienced this issue? My MM35.1. How many times in the past 6 months have you experienced this issue? My How many times in the past 6 months have you experienced this issue? My registration has taken long (more than a day) to get approved 75 2927 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.1. How many times in the past 6 months have you experienced this issue? My registration has taken long (more than a day) to get approved MM34.2. Have you ever experienced any of the following issues when making mobile MM34.2. Have you ever experienced any of the following issues when making mobile MM34.2. Have you ever experienced any of the following issues when making mobile MM34.2. Have you ever experienced any of the following issues when making mobile MM34.2. Have you ever experienced any of the following issues when making mobile Have you ever experienced any of the following issues when making mobile money transactions without agents? The service was not available for technical reasons (GSM or mobile network was down) 908 2094 1 Yes 2 No Sysmiss MM34.2. Have you ever experienced any of the following issues when making mobile money transactions without agents? The service was not available for technical reasons (GSM or mobile network was down) MM35.2. How many times in the past 6 months have you experienced this issue? The MM35.2. How many times in the past 6 months have you experienced this issue? The MM35.2. How many times in the past 6 months have you experienced this issue? The MM35.2. How many times in the past 6 months have you experienced this issue? The MM35.2. How many times in the past 6 months have you experienced this issue? The How many times in the past 6 months have you experienced this issue? The service was not available for technical reasons (GSM or mobile network was down) 306 2696 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.2. How many times in the past 6 months have you experienced this issue? The service was not available for technical reasons (GSM or mobile network was down) MM34.3. Have you ever experienced any of the following issues when making mobile MM34.3. Have you ever experienced any of the following issues when making mobile MM34.3. Have you ever experienced any of the following issues when making mobile MM34.3. Have you ever experienced any of the following issues when making mobile MM34.3. Have you ever experienced any of the following issues when making mobile Have you ever experienced any of the following issues when making mobile money transactions without agents? The service was interrupted during a transaction and I could not finish the transaction 908 2094 1 Yes 2 No Sysmiss MM34.3. Have you ever experienced any of the following issues when making mobile money transactions without agents? The service was interrupted during a transaction and I could not finish the transaction MM35.3. How many times in the past 6 months have you experienced this issue? The MM35.3. How many times in the past 6 months have you experienced this issue? The MM35.3. How many times in the past 6 months have you experienced this issue? The MM35.3. How many times in the past 6 months have you experienced this issue? The MM35.3. How many times in the past 6 months have you experienced this issue? The How many times in the past 6 months have you experienced this issue? The service was interrupted during a transaction and I could not finish the transaction 134 2868 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.3. How many times in the past 6 months have you experienced this issue? The service was interrupted during a transaction and I could not finish the transaction MM34.4. Have you ever experienced any of the following issues when making mobile MM34.4. Have you ever experienced any of the following issues when making mobile MM34.4. Have you ever experienced any of the following issues when making mobile MM34.4. Have you ever experienced any of the following issues when making mobile MM34.4. Have you ever experienced any of the following issues when making mobile Have you ever experienced any of the following issues when making mobile money transactions without agents? I sent money to a wrong number could not get it back 908 2094 1 Yes 2 No Sysmiss MM34.4. Have you ever experienced any of the following issues when making mobile money transactions without agents? I sent money to a wrong number could not get it back MM35.4. How many times in the past 6 months have you experienced this issue? I s MM35.4. How many times in the past 6 months have you experienced this issue? I s MM35.4. How many times in the past 6 months have you experienced this issue? I s MM35.4. How many times in the past 6 months have you experienced this issue? I s MM35.4. How many times in the past 6 months have you experienced this issue? I s How many times in the past 6 months have you experienced this issue? I sent money to a wrong number could not get it back 18 2984 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.4. How many times in the past 6 months have you experienced this issue? I sent money to a wrong number could not get it back MM34.5. Have you ever experienced any of the following issues when making mobile MM34.5. Have you ever experienced any of the following issues when making mobile MM34.5. Have you ever experienced any of the following issues when making mobile MM34.5. Have you ever experienced any of the following issues when making mobile MM34.5. Have you ever experienced any of the following issues when making mobile Have you ever experienced any of the following issues when making mobile money transactions without agents? I never received an SMS receipt for my transaction 908 2094 1 Yes 2 No Sysmiss MM34.5. Have you ever experienced any of the following issues when making mobile money transactions without agents? I never received an SMS receipt for my transaction MM35.5. How many times in the past 6 months have you experienced this issue? I n MM35.5. How many times in the past 6 months have you experienced this issue? I n MM35.5. How many times in the past 6 months have you experienced this issue? I n MM35.5. How many times in the past 6 months have you experienced this issue? I n MM35.5. How many times in the past 6 months have you experienced this issue? I n How many times in the past 6 months have you experienced this issue? I never received an SMS receipt for my transaction 34 2968 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.5. How many times in the past 6 months have you experienced this issue? I never received an SMS receipt for my transaction MM34.6. Have you ever experienced any of the following issues when making mobile MM34.6. Have you ever experienced any of the following issues when making mobile MM34.6. Have you ever experienced any of the following issues when making mobile MM34.6. Have you ever experienced any of the following issues when making mobile MM34.6. Have you ever experienced any of the following issues when making mobile Have you ever experienced any of the following issues when making mobile money transactions without agents? I could not access my account when I wanted to 908 2094 1 Yes 2 No Sysmiss MM34.6. Have you ever experienced any of the following issues when making mobile money transactions without agents? I could not access my account when I wanted to MM35.6. How many times in the past 6 months have you experienced this issue? I c MM35.6. How many times in the past 6 months have you experienced this issue? I c MM35.6. How many times in the past 6 months have you experienced this issue? I c MM35.6. How many times in the past 6 months have you experienced this issue? I c MM35.6. How many times in the past 6 months have you experienced this issue? I c How many times in the past 6 months have you experienced this issue? I could not access my account when I wanted to 57 2945 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.6. How many times in the past 6 months have you experienced this issue? I could not access my account when I wanted to MM34.7. Have you ever experienced any of the following issues when making mobile MM34.7. Have you ever experienced any of the following issues when making mobile MM34.7. Have you ever experienced any of the following issues when making mobile MM34.7. Have you ever experienced any of the following issues when making mobile MM34.7. Have you ever experienced any of the following issues when making mobile Have you ever experienced any of the following issues when making mobile money transactions without agents? I could not withdraw money from my account when I wanted to 908 2094 1 Yes 2 No Sysmiss MM34.7. Have you ever experienced any of the following issues when making mobile money transactions without agents? I could not withdraw money from my account when I wanted to MM35.7. How many times in the past 6 months have you experienced this issue? I c MM35.7. How many times in the past 6 months have you experienced this issue? I c MM35.7. How many times in the past 6 months have you experienced this issue? I c MM35.7. How many times in the past 6 months have you experienced this issue? I c MM35.7. How many times in the past 6 months have you experienced this issue? I c How many times in the past 6 months have you experienced this issue? I could not withdraw money from my account when I wanted to 55 2947 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.7. How many times in the past 6 months have you experienced this issue? I could not withdraw money from my account when I wanted to MM34.8. Have you ever experienced any of the following issues when making mobile MM34.8. Have you ever experienced any of the following issues when making mobile MM34.8. Have you ever experienced any of the following issues when making mobile MM34.8. Have you ever experienced any of the following issues when making mobile MM34.8. Have you ever experienced any of the following issues when making mobile Have you ever experienced any of the following issues when making mobile money transactions without agents? Money disappeared from my account/I had fraudulent transactions on my account 908 2094 1 Yes 2 No Sysmiss MM34.8. Have you ever experienced any of the following issues when making mobile money transactions without agents? Money disappeared from my account/I had fraudulent transactions on my account MM35.8. How many times in the past 6 months have you experienced this issue? Mon MM35.8. How many times in the past 6 months have you experienced this issue? Mon MM35.8. How many times in the past 6 months have you experienced this issue? Mon MM35.8. How many times in the past 6 months have you experienced this issue? Mon MM35.8. How many times in the past 6 months have you experienced this issue? Mon How many times in the past 6 months have you experienced this issue? Money disappeared from my account/I had fraudulent transactions on my account 6 2996 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.8. How many times in the past 6 months have you experienced this issue? Money disappeared from my account/I had fraudulent transactions on my account MM34.9. Have you ever experienced any of the following issues when making mobile MM34.9. Have you ever experienced any of the following issues when making mobile MM34.9. Have you ever experienced any of the following issues when making mobile MM34.9. Have you ever experienced any of the following issues when making mobile MM34.9. Have you ever experienced any of the following issues when making mobile Have you ever experienced any of the following issues when making mobile money transactions without agents? I did not have sufficient funds to complete a transaction 908 2094 1 Yes 2 No Sysmiss MM34.9. Have you ever experienced any of the following issues when making mobile money transactions without agents? I did not have sufficient funds to complete a transaction MM35.9. How many times in the past 6 months have you experienced this issue? I d MM35.9. How many times in the past 6 months have you experienced this issue? I d MM35.9. How many times in the past 6 months have you experienced this issue? I d MM35.9. How many times in the past 6 months have you experienced this issue? I d MM35.9. How many times in the past 6 months have you experienced this issue? I d How many times in the past 6 months have you experienced this issue? I did not have sufficient funds to complete a transaction 14 2988 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.9. How many times in the past 6 months have you experienced this issue? I did not have sufficient funds to complete a transaction MM34.10. Have you ever experienced any of the following issues when making mobil MM34.10. Have you ever experienced any of the following issues when making mobil MM34.10. Have you ever experienced any of the following issues when making mobil MM34.10. Have you ever experienced any of the following issues when making mobil MM34.10. Have you ever experienced any of the following issues when making mobil Have you ever experienced any of the following issues when making mobile money transactions without agents? I forgot my PIN number 908 2094 1 Yes 2 No Sysmiss MM34.10. Have you ever experienced any of the following issues when making mobile money transactions without agents? I forgot my PIN number MM35.10. How many times in the past 6 months have you experienced this issue? I MM35.10. How many times in the past 6 months have you experienced this issue? I MM35.10. How many times in the past 6 months have you experienced this issue? I MM35.10. How many times in the past 6 months have you experienced this issue? I MM35.10. How many times in the past 6 months have you experienced this issue? I How many times in the past 6 months have you experienced this issue? I forgot my PIN number 33 2969 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.10. How many times in the past 6 months have you experienced this issue? I forgot my PIN number MM34.11. Have you ever experienced any of the following issues when making mobil MM34.11. Have you ever experienced any of the following issues when making mobil MM34.11. Have you ever experienced any of the following issues when making mobil MM34.11. Have you ever experienced any of the following issues when making mobil MM34.11. Have you ever experienced any of the following issues when making mobil Have you ever experienced any of the following issues when making mobile money transactions without agents? I lost money due to someone defrauding me through a phone call 908 2094 1 Yes 2 No Sysmiss MM34.11. Have you ever experienced any of the following issues when making mobile money transactions without agents? I lost money due to someone defrauding me through a phone call MM35.11. How many times in the past 6 months have you experienced this issue? I MM35.11. How many times in the past 6 months have you experienced this issue? I MM35.11. How many times in the past 6 months have you experienced this issue? I MM35.11. How many times in the past 6 months have you experienced this issue? I MM35.11. How many times in the past 6 months have you experienced this issue? I How many times in the past 6 months have you experienced this issue? I lost money due to someone defrauding me through a phone call 1 3001 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.11. How many times in the past 6 months have you experienced this issue? I lost money due to someone defrauding me through a phone call MM34.12. Have you ever experienced any of the following issues when making mobil MM34.12. Have you ever experienced any of the following issues when making mobil MM34.12. Have you ever experienced any of the following issues when making mobil MM34.12. Have you ever experienced any of the following issues when making mobil MM34.12. Have you ever experienced any of the following issues when making mobil Have you ever experienced any of the following issues when making mobile money transactions without agents? I lost money due to someone defrauding me through SMS 908 2094 1 Yes 2 No Sysmiss MM34.12. Have you ever experienced any of the following issues when making mobile money transactions without agents? I lost money due to someone defrauding me through SMS MM35.12. How many times in the past 6 months have you experienced this issue? I MM35.12. How many times in the past 6 months have you experienced this issue? I MM35.12. How many times in the past 6 months have you experienced this issue? I MM35.12. How many times in the past 6 months have you experienced this issue? I MM35.12. How many times in the past 6 months have you experienced this issue? I How many times in the past 6 months have you experienced this issue? I lost money due to someone defrauding me through SMS 1 3001 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.12. How many times in the past 6 months have you experienced this issue? I lost money due to someone defrauding me through SMS MM34.13. Have you ever experienced any of the following issues when making mobil MM34.13. Have you ever experienced any of the following issues when making mobil MM34.13. Have you ever experienced any of the following issues when making mobil MM34.13. Have you ever experienced any of the following issues when making mobil MM34.13. Have you ever experienced any of the following issues when making mobil Have you ever experienced any of the following issues when making mobile money transactions without agents? I lost money due to someone obtaining my personal or account information 908 2094 1 Yes 2 No Sysmiss MM34.13. Have you ever experienced any of the following issues when making mobile money transactions without agents? I lost money due to someone obtaining my personal or account information MM35.13. How many times in the past 6 months have you experienced this issue? I MM35.13. How many times in the past 6 months have you experienced this issue? I MM35.13. How many times in the past 6 months have you experienced this issue? I MM35.13. How many times in the past 6 months have you experienced this issue? I MM35.13. How many times in the past 6 months have you experienced this issue? I How many times in the past 6 months have you experienced this issue? I lost money due to someone obtaining my personal or account information 1 3001 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.13. How many times in the past 6 months have you experienced this issue? I lost money due to someone obtaining my personal or account information MM34.14. Have you ever experienced any of the following issues when making mobil MM34.14. Have you ever experienced any of the following issues when making mobil MM34.14. Have you ever experienced any of the following issues when making mobil MM34.14. Have you ever experienced any of the following issues when making mobil MM34.14. Have you ever experienced any of the following issues when making mobil Have you ever experienced any of the following issues when making mobile money transactions without agents? Other (Specify) 908 2094 1 Yes 2 No Sysmiss MM34.14. Have you ever experienced any of the following issues when making mobile money transactions without agents? Other MM35.14. How many times in the past 6 months have you experienced this issue? Ot MM35.14. How many times in the past 6 months have you experienced this issue? Ot MM35.14. How many times in the past 6 months have you experienced this issue? Ot MM35.14. How many times in the past 6 months have you experienced this issue? Ot MM35.14. How many times in the past 6 months have you experienced this issue? Ot How many times in the past 6 months have you experienced this issue? Other (Specify) 1 3001 1 Less than 3 times 2 3-6 times 3 7-12 times 4 More than 12 times Sysmiss MM35.14. How many times in the past 6 months have you experienced this issue? Other MM36. Which provider did you use for your most recent transaction? MM36. Which provider did you use for your most recent transaction? MM36. Which provider did you use for your most recent transaction? MM36. Which provider did you use for your most recent transaction? MM36. Which provider did you use for your most recent transaction? Please, tell me about your most recent transactionwith this agent in the past 6 months. Please, tell me which provider did you use for your most recent transaction? 908 2094 1 MTN Mobile Money 2 Airtel Money 3 Tigo Cash 4 Other Sysmiss MM36A. Please, tell me about your most recent transaction, either deposit or wit MM36A. Please, tell me about your most recent transaction, either deposit or wit MM36A. Please, tell me about your most recent transaction, either deposit or wit MM36A. Please, tell me about your most recent transaction, either deposit or wit MM36A. Please, tell me about your most recent transaction, either deposit or wit Please, tell me about your most recent transactionwith this agent in the past 6 months. What was the date of the financial activity? 908 102014 112012 112014 12012 12013 12014 122012 122013 122014 22012 22014 32013 32014 42014 52013 52014 62014 72013 72014 82014 92012 92013 92014 999999 MM36A. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. What was the date of the financial activity? (mm/yyyy) MM37. Please, tell me about your most recent transaction, either deposit or with MM37. Please, tell me about your most recent transaction, either deposit or with MM37. Please, tell me about your most recent transaction, either deposit or with MM37. Please, tell me about your most recent transaction, either deposit or with MM37. Please, tell me about your most recent transaction, either deposit or with Please, tell me about your most recent transactionwith this agent in the past 6 months. What type of transactions was it (i.e., sending money, depositing, withdrawing, airtime top ups, etc.)? 866 AIRTIME AIRTIME TOP TUP AIRTIME TOP UP AIRTIME TOP UPS BUYING AIRTIME DEPOSIT DEPOSIT/WITHDRAW DEPOSITING DEPOSITING, WITHDRAWING DEPOSITS DEPOSITTING DRAWING NONE RECEIVE RECEIVING RECEIVING/WITHDRAW REDRAWING RESEND SAVING SENDING MONEY TOKEN TRADER TRANSFER WITHDRAWAL WITHDRAWING WITHDRAWING/SENDING WITHDRWING withdrawing MM37. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. What type of transactions was it (i.e. sending money, depositing, withdrawing, airtime top ups, etc.)? MM38. Please, tell me about your most recent transaction, either deposit or with MM38. Please, tell me about your most recent transaction, either deposit or with MM38. Please, tell me about your most recent transaction, either deposit or with MM38. Please, tell me about your most recent transaction, either deposit or with MM38. Please, tell me about your most recent transaction, either deposit or with Please, tell me about your most recent transactionwith this agent in the past 6 months. How long did it take you to get to the agent? (minutes) 3002 999 MM38. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. How long did it take you to get to the agent? (Minutes) MM39. Please, tell me about your most recent transaction, either deposit or with MM39. Please, tell me about your most recent transaction, either deposit or with MM39. Please, tell me about your most recent transaction, either deposit or with MM39. Please, tell me about your most recent transaction, either deposit or with MM39. Please, tell me about your most recent transaction, either deposit or with Please, tell me about your most recent transactionwith this agent in the past 6 months. How much, if anything, did you have to pay in transportation costs? 3002 -9999 500 MM39. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. How much, if anything, did you have to pay in transportation costs (GHS)? MM40. Please, tell me about your most recent transaction, either deposit or with MM40. Please, tell me about your most recent transaction, either deposit or with MM40. Please, tell me about your most recent transaction, either deposit or with MM40. Please, tell me about your most recent transaction, either deposit or with MM40. Please, tell me about your most recent transaction, either deposit or with Please, tell me about your most recent transactionwith this agent in the past 6 months. What was the amount of your transaction? 3002 -9999 4003 MM40. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. What was the amount of your transaction? (GHS) MM41. Please, tell me about your most recent transaction, either deposit or with MM41. Please, tell me about your most recent transaction, either deposit or with MM41. Please, tell me about your most recent transaction, either deposit or with MM41. Please, tell me about your most recent transaction, either deposit or with MM41. Please, tell me about your most recent transaction, either deposit or with Please, tell me about your most recent transactionwith this agent in the past 6 months. How long did the transaction take, including standing in the queue? 3002 999 MM41. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. How long did the transaction take, including standing in the queue? (minutes) MM42. Please, tell me about your most recent transaction, either deposit or with MM42. Please, tell me about your most recent transaction, either deposit or with MM42. Please, tell me about your most recent transaction, either deposit or with MM42. Please, tell me about your most recent transaction, either deposit or with MM42. Please, tell me about your most recent transaction, either deposit or with Please, tell me about your most recent transactionwith this agent in the past 6 months. How much did you have to pay for the transaction? 3002 -9999 500 MM42. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. How much did you have to pay for the transaction? (GHS) MM43. Please, tell me about your most recent transaction, either deposit or with MM43. Please, tell me about your most recent transaction, either deposit or with MM43. Please, tell me about your most recent transaction, either deposit or with MM43. Please, tell me about your most recent transaction, either deposit or with MM43. Please, tell me about your most recent transaction, either deposit or with Please, tell me about your most recent transactionwith this agent in the past 6 months. Did the agent/teller charged you extra fees beyond official fees for the transaction? 866 2136 1 Yes 2 No 3 Dk/Refused Sysmiss MM43. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. Did the agent/teller charge you extra fees beyond official fees for the transaction? MM44. Please, tell me about your most recent transaction, either deposit or with MM44. Please, tell me about your most recent transaction, either deposit or with MM44. Please, tell me about your most recent transaction, either deposit or with MM44. Please, tell me about your most recent transaction, either deposit or with MM44. Please, tell me about your most recent transaction, either deposit or with Please, tell me about your most recent transactionwith this agent in the past 6 months. Were you able to complete the transaction? 866 2136 1 Yes 2 No Sysmiss MM44. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. Were you able to complete the transaction? MM45.1. Why were you unable to complete the financial activity? Technical proble MM45.1. Why were you unable to complete the financial activity? Technical proble MM45.1. Why were you unable to complete the financial activity? Technical proble MM45.1. Why were you unable to complete the financial activity? Technical proble MM45.1. Why were you unable to complete the financial activity? Technical proble Why were you unable to complete the financial activity? Technical problems with the network 8 2994 1 Yes 2 No Sysmiss MM45.1. Why were you unable to complete the financial activity? Technical problems with the network MM45.2. Why were you unable to complete the financial activity? The agent closed MM45.2. Why were you unable to complete the financial activity? The agent closed MM45.2. Why were you unable to complete the financial activity? The agent closed MM45.2. Why were you unable to complete the financial activity? The agent closed MM45.2. Why were you unable to complete the financial activity? The agent closed Why were you unable to complete the financial activity? The agent closed for a break/for the day 8 2994 1 Yes 2 No Sysmiss MM45.2. Why were you unable to complete the financial activity? The agent closed for a lunch-break/for the day MM45.3. Why were you unable to complete the financial activity? I did not have a MM45.3. Why were you unable to complete the financial activity? I did not have a MM45.3. Why were you unable to complete the financial activity? I did not have a MM45.3. Why were you unable to complete the financial activity? I did not have a MM45.3. Why were you unable to complete the financial activity? I did not have a Why were you unable to complete the financial activity? I did not have a proper ID 8 2994 1 Yes 2 No Sysmiss MM45.3. Why were you unable to complete the financial activity? I did not have a proper ID MM45.4. Why were you unable to complete the financial activity? There was not en MM45.4. Why were you unable to complete the financial activity? There was not en MM45.4. Why were you unable to complete the financial activity? There was not en MM45.4. Why were you unable to complete the financial activity? There was not en MM45.4. Why were you unable to complete the financial activity? There was not en Why were you unable to complete the financial activity? There was not enough cash 8 2994 1 Yes 2 No Sysmiss MM45.4. Why were you unable to complete the financial activity? There was not enough cash MM45.5. Why were you unable to complete the financial activity? There was not en MM45.5. Why were you unable to complete the financial activity? There was not en MM45.5. Why were you unable to complete the financial activity? There was not en MM45.5. Why were you unable to complete the financial activity? There was not en MM45.5. Why were you unable to complete the financial activity? There was not en Why were you unable to complete the financial activity? There was not enough float 8 2994 1 Yes 2 No Sysmiss MM45.5. Why were you unable to complete the financial activity? There was not enough float MM45.6. Why were you unable to complete the financial activity? I did not have e MM45.6. Why were you unable to complete the financial activity? I did not have e MM45.6. Why were you unable to complete the financial activity? I did not have e MM45.6. Why were you unable to complete the financial activity? I did not have e MM45.6. Why were you unable to complete the financial activity? I did not have e Why were you unable to complete the financial activity? I did not have enough money to pay the fee 8 2994 1 Yes 2 No Sysmiss MM45.6. Why were you unable to complete the financial activity? I did not have enough money to pay the fee MM45.7. Why were you unable to complete the financial activity? I did not have e MM45.7. Why were you unable to complete the financial activity? I did not have e MM45.7. Why were you unable to complete the financial activity? I did not have e MM45.7. Why were you unable to complete the financial activity? I did not have e MM45.7. Why were you unable to complete the financial activity? I did not have e Why were you unable to complete the financial activity? I did not have enough time to wait 8 2994 1 Yes 2 No Sysmiss MM45.7. Why were you unable to complete the financial activity? I did not have enough time to wait MM45.8. Why were you unable to complete the financial activity? Other MM45.8. Why were you unable to complete the financial activity? Other MM45.8. Why were you unable to complete the financial activity? Other MM45.8. Why were you unable to complete the financial activity? Other MM45.8. Why were you unable to complete the financial activity? Other Why were you unable to complete the financial activity? Other (Specify) 8 2994 1 Yes 2 No Sysmiss MM45.9. Why were you unable to complete the financial activity? DK/Refused MM45.9. Why were you unable to complete the financial activity? DK/Refused MM45.9. Why were you unable to complete the financial activity? DK/Refused MM45.9. Why were you unable to complete the financial activity? DK/Refused MM45.9. Why were you unable to complete the financial activity? DK/Refused Why were you unable to complete the financial activity? DK/Refused 8 2994 1 Yes 2 No Sysmiss MM46. When an m-money transaction goes wrong, who do you go to help you resolve MM46. When an m-money transaction goes wrong, who do you go to help you resolve MM46. When an m-money transaction goes wrong, who do you go to help you resolve MM46. When an m-money transaction goes wrong, who do you go to help you resolve MM46. When an m-money transaction goes wrong, who do you go to help you resolve When a mobile money transaction goes wrong, who are you most likely to go for help? 908 2094 1 Resolve it myself 2 Seek help of friends or family 3 Mobile money agent 4 Customer hotline/helpline 5 MNO location 6 Financial institution location 7 Government agency or local official 8 Other Sysmiss MM46. When an m-money transaction goes wrong, who do you go to help you resolve the problem? SFC1. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC1. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC1. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC1. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC1. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice On a scale from 1(Extremely bad) to 10 (Extremely good), rate the choice of financial options that was available to you before you had access to a bank account. 1074 1928 1 01 Extremely bad 2 02 3 03 4 04 5 05 6 06 7 07 8 08 9 09 10 10 Extremely good Sysmiss SFC1. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice of financial options that was available to you before you had access to a bank account. SFC2. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC2. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC2. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC2. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC2. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice On a scale from 1(Extremely bad) to 10 (Extremely good), rate the choice of financial options that is available to you now after you gained access to a bank account. 1074 1928 1 01 Extremely bad 2 02 3 03 4 04 5 05 6 06 7 07 8 08 9 09 10 10 Extremely good Sysmiss SFC2. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice of financial options that is available to you now after you gained access to a bank account. SFC3. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC3. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC3. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC3. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC3. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice On a scale from 1(Extremely bad) to 10 (Extremely good), rate the choice of financial options that was available to you before you started using a mobile money service. 908 2094 1 01 Extremely bad 2 02 3 03 4 04 5 05 6 06 7 07 8 08 9 09 10 10 Extremely good Sysmiss SFC3. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice of financial options that was available to you before you started using a mobile money service. SFC4. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC4. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC4. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC4. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice SFC4. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice On a scale from 1(Extremely bad) to 10 (Extremely good), rate the choice of financial options that are available to you now after you started using a mobile money service. 908 2094 1 01 Extremely bad 2 02 3 03 4 04 5 05 6 06 7 07 8 08 9 09 10 10 Extremely good Sysmiss SFC4. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice of financial options that are available to you now after you started using a mobile money service. IFI1.1. Have you ever used any of the following? Microfinance institution IFI1.1. Have you ever used any of the following? Microfinance institution IFI1.1. Have you ever used any of the following? Microfinance institution IFI1.1. Have you ever used any of the following? Microfinance institution IFI1.1. Have you ever used any of the following? Microfinance institution Have you ever used any of the following? Microfinance institution 3002 1 Yes 2 No IFI2.1. Apart from today when was the last time you used this financial service IFI2.1. Apart from today when was the last time you used this financial service IFI2.1. Apart from today when was the last time you used this financial service IFI2.1. Apart from today when was the last time you used this financial service IFI2.1. Apart from today when was the last time you used this financial service Apart from today when was the last time you used this financial service for any financial activity? Microfinance institution 298 2704 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI2.1. Apart from today when was the last time you used this financial service for any financial activity? Microfinance institution IFI3.1. Do you have an account/membership in your name with any of the following IFI3.1. Do you have an account/membership in your name with any of the following IFI3.1. Do you have an account/membership in your name with any of the following IFI3.1. Do you have an account/membership in your name with any of the following IFI3.1. Do you have an account/membership in your name with any of the following Do you have an account/membership in your name with any of the following? Microfinance institution 3002 1 Yes 2 No IFI3.1. Do you have an account/membership in your name with any of the following? Microfinance institution IFI4.1. Apart from today, when was the last time you used the account/membership IFI4.1. Apart from today, when was the last time you used the account/membership IFI4.1. Apart from today, when was the last time you used the account/membership IFI4.1. Apart from today, when was the last time you used the account/membership IFI4.1. Apart from today, when was the last time you used the account/membership Apart from today, when was the last time you used the account/membership that is in your name for this service? Microfinance institution 245 2757 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI4.1. Apart from today, when was the last time you used the account/membership that is in your name for this service? Microfinance institution IFI1.2. Have you ever used any of the following? Cooperative IFI1.2. Have you ever used any of the following? Cooperative IFI1.2. Have you ever used any of the following? Cooperative IFI1.2. Have you ever used any of the following? Cooperative IFI1.2. Have you ever used any of the following? Cooperative Have you ever used any of the following? Non-umurenge SACCO 3002 1 Yes 2 No IFI2.2. Apart from today when was the last time you used this financial service IFI2.2. Apart from today when was the last time you used this financial service IFI2.2. Apart from today when was the last time you used this financial service IFI2.2. Apart from today when was the last time you used this financial service IFI2.2. Apart from today when was the last time you used this financial service Apart from today when was the last time you used this financial service for any financial activity? Non-umurenge SACCO 40 2962 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI2.2. Apart from today when was the last time you used this financial service for any financial activity? Cooperative IFI3.2. Do you have an account/membership in your name with any of the following IFI3.2. Do you have an account/membership in your name with any of the following IFI3.2. Do you have an account/membership in your name with any of the following IFI3.2. Do you have an account/membership in your name with any of the following IFI3.2. Do you have an account/membership in your name with any of the following Do you have an account/membership in your name with any of the following? Non-umurenge SACCO 3002 1 Yes 2 No IFI3.2. Do you have an account/membership in your name with any of the following? Cooperative IFI4.2. Apart from today, when was the last time you used the account/membership IFI4.2. Apart from today, when was the last time you used the account/membership IFI4.2. Apart from today, when was the last time you used the account/membership IFI4.2. Apart from today, when was the last time you used the account/membership IFI4.2. Apart from today, when was the last time you used the account/membership Apart from today, when was the last time you used the account/membership that is in your name for this service? Non-umurenge SACCO 37 2965 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI4.2. Apart from today, when was the last time you used the account/membership that is in your name for this service? Cooperative IFI1.3. Have you ever used any of the following? Saving & Credit Union Assiciati IFI1.3. Have you ever used any of the following? Saving & Credit Union Assiciati IFI1.3. Have you ever used any of the following? Saving & Credit Union Assiciati IFI1.3. Have you ever used any of the following? Saving & Credit Union Assiciati IFI1.3. Have you ever used any of the following? Saving & Credit Union Assiciati Have you ever used any of the following? Umurenge SACCO 3002 1 Yes 2 No IFI1.3. Have you ever used any of the following? Saving & Credit Union Assiciations IFI2.3. Apart from today when was the last time you used this financial service IFI2.3. Apart from today when was the last time you used this financial service IFI2.3. Apart from today when was the last time you used this financial service IFI2.3. Apart from today when was the last time you used this financial service IFI2.3. Apart from today when was the last time you used this financial service Apart from today when was the last time you used this financial service for any financial activity? Umurenge SACCO 143 2859 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI2.3. Apart from today when was the last time you used this financial service for any financial activity? Saving & Credit Union Assiciations IFI3.3. Do you have an account/membership in your name with any of the following IFI3.3. Do you have an account/membership in your name with any of the following IFI3.3. Do you have an account/membership in your name with any of the following IFI3.3. Do you have an account/membership in your name with any of the following IFI3.3. Do you have an account/membership in your name with any of the following Do you have an account/membership in your name with any of the following? Umurenge SACCO 3002 1 Yes 2 No IFI3.3. Do you have an account/membership in your name with any of the following? Saving & Credit Union Assiciations IFI4.3. Apart from today, when was the last time you used the account/membership IFI4.3. Apart from today, when was the last time you used the account/membership IFI4.3. Apart from today, when was the last time you used the account/membership IFI4.3. Apart from today, when was the last time you used the account/membership IFI4.3. Apart from today, when was the last time you used the account/membership Apart from today, when was the last time you used the account/membership that is in your name for this service? Umurenge SACCO 95 2907 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI4.3. Apart from today, when was the last time you used the account/membership that is in your name for this service? Saving & Credit Union Assiciations IFI1.4. Have you ever used any of the following? Susu or another informal saving IFI1.4. Have you ever used any of the following? Susu or another informal saving IFI1.4. Have you ever used any of the following? Susu or another informal saving IFI1.4. Have you ever used any of the following? Susu or another informal saving IFI1.4. Have you ever used any of the following? Susu or another informal saving Have you ever used any of the following? Cooperatives, VSLA, Tontine, ikibina 3002 1 Yes 2 No IFI1.4. Have you ever used any of the following? Susu or another informal saving network IFI2.4. Apart from today when was the last time you used this financial service IFI2.4. Apart from today when was the last time you used this financial service IFI2.4. Apart from today when was the last time you used this financial service IFI2.4. Apart from today when was the last time you used this financial service IFI2.4. Apart from today when was the last time you used this financial service Apart from today when was the last time you used this financial service for any financial activity? Cooperatives, VSLA, Tontine, ikibina 300 2702 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI2.4. Apart from today when was the last time you used this financial service for any financial activity? Susu or another informal saving network IFI3.4. Do you have an account/membership in your name with any of the following IFI3.4. Do you have an account/membership in your name with any of the following IFI3.4. Do you have an account/membership in your name with any of the following IFI3.4. Do you have an account/membership in your name with any of the following IFI3.4. Do you have an account/membership in your name with any of the following 3002 1 Yes 2 No Sysmiss IFI3.4. Do you have an account/membership in your name with any of the following? Susu or another informal saving network IFI4.4. Apart from today, when was the last time you used the account/membership IFI4.4. Apart from today, when was the last time you used the account/membership IFI4.4. Apart from today, when was the last time you used the account/membership IFI4.4. Apart from today, when was the last time you used the account/membership IFI4.4. Apart from today, when was the last time you used the account/membership 3002 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI4.4. Apart from today, when was the last time you used the account/membership that is in your name for this service? Susu or another informal saving network IFI1.5. Have you ever used any of the following? A money guard/someone in workpl IFI1.5. Have you ever used any of the following? A money guard/someone in workpl IFI1.5. Have you ever used any of the following? A money guard/someone in workpl IFI1.5. Have you ever used any of the following? A money guard/someone in workpl IFI1.5. Have you ever used any of the following? A money guard/someone in workpl Have you ever used any of the following? A money guard/ someone in workplace or neighborhood that collects and keeps savings deposits on a regular basis 3002 1 Yes 2 No IFI1.5. Have you ever used any of the following? A money guard/someone in workplace or neighborhood that collects and keeps savings deposits on a regular basis IFI2.5. Apart from today when was the last time you used this financial service IFI2.5. Apart from today when was the last time you used this financial service IFI2.5. Apart from today when was the last time you used this financial service IFI2.5. Apart from today when was the last time you used this financial service IFI2.5. Apart from today when was the last time you used this financial service Apart from today when was the last time you used this financial service for any financial activity? A money guard/ someone in workplace or neighborhood that collects and keeps savings deposits on a regular basis 50 2952 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI2.5. Apart from today when was the last time you used this financial service for any financial activity? A money guard/someone in workplace or neighborhood that collects and keeps savings deposits on a regular basis IFI1.6. Have you ever used any of the following? A digital card, a recharge card IFI1.6. Have you ever used any of the following? A digital card, a recharge card IFI1.6. Have you ever used any of the following? A digital card, a recharge card IFI1.6. Have you ever used any of the following? A digital card, a recharge card IFI1.6. Have you ever used any of the following? A digital card, a recharge card Have you ever used any of the following? Savings collectors 3002 1 Yes 2 No IFI1.6. Have you ever used any of the following? A digital card, a recharge card that is not attached directly to your bank or MFI account. e.g. ezwich card IFI2.6. Apart from today when was the last time you used this financial service IFI2.6. Apart from today when was the last time you used this financial service IFI2.6. Apart from today when was the last time you used this financial service IFI2.6. Apart from today when was the last time you used this financial service IFI2.6. Apart from today when was the last time you used this financial service Apart from today when was the last time you used this financial service for any financial activity? Savings collectors 14 2988 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI2.6. Apart from today when was the last time you used this financial service for any financial activity? A digital card, a recharge card that is not attached directly to your bank or MFI account. e.g. ezwich card IFI1.7. Have you ever used any of the following? Other financial service IFI1.7. Have you ever used any of the following? Other financial service IFI1.7. Have you ever used any of the following? Other financial service IFI1.7. Have you ever used any of the following? Other financial service IFI1.7. Have you ever used any of the following? Other financial service Have you ever used any of the following? Borrowing from/saving with family members 3002 1 Yes 2 No IFI2.7. Apart from today when was the last time you used this financial service IFI2.7. Apart from today when was the last time you used this financial service IFI2.7. Apart from today when was the last time you used this financial service IFI2.7. Apart from today when was the last time you used this financial service IFI2.7. Apart from today when was the last time you used this financial service Apart from today when was the last time you used this financial service for any financial activity? Borrowing from/saving with family members 3 2999 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago 6 Stopped using altogether Sysmiss IFI2.7. Apart from today when was the last time you used this financial service for any financial activity? Other financial service IFI5.1. Which of the following services does your? ... offer? Microfinance insti IFI5.1. Which of the following services does your? ... offer? Microfinance insti IFI5.1. Which of the following services does your? ... offer? Microfinance insti IFI5.1. Which of the following services does your? ... offer? Microfinance insti IFI5.1. Which of the following services does your? ... offer? Microfinance insti Which of the following services does your (READ THE FINANCIAL INSTITUTION IN THE COLUMN) offer? Microfinance institution 298 2704 1 Loans and at least one of the following: Savings, money transfers, insurance, investments 2 Only loans and no other services 3 Only savings and no other services 4 Only insurance and no other services 5 None of the above Sysmiss IFI5.1. Which of the following services does your? ... offer? Microfinance institution IFI5.2. Which of the following services does your? ... offer? Cooperative IFI5.2. Which of the following services does your? ... offer? Cooperative IFI5.2. Which of the following services does your? ... offer? Cooperative IFI5.2. Which of the following services does your? ... offer? Cooperative IFI5.2. Which of the following services does your? ... offer? Cooperative Which of the following services does your (READ THE FINANCIAL INSTITUTION IN THE COLUMN) offer? Non-umurenge SACCO 40 2962 1 Loans and at least one of the following: Savings, money transfers, insurance, investments 2 Only loans and no other services 3 Only savings and no other services 4 Only insurance and no other services 5 None of the above Sysmiss IFI5.3. Which of the following services does your? ... offer? Saving & Credit Un IFI5.3. Which of the following services does your? ... offer? Saving & Credit Un IFI5.3. Which of the following services does your? ... offer? Saving & Credit Un IFI5.3. Which of the following services does your? ... offer? Saving & Credit Un IFI5.3. Which of the following services does your? ... offer? Saving & Credit Un Which of the following services does your (READ THE FINANCIAL INSTITUTION IN THE COLUMN) offer? Umurenge SACCO 143 2859 1 Loans and at least one of the following: Savings, money transfers, insurance, investments 2 Only loans and no other services 3 Only savings and no other services 4 Only insurance and no other services 5 None of the above Sysmiss IFI5.3. Which of the following services does your? ... offer? Saving & Credit Union Associations IFI6.1. Does the following statement apply to an MFI account that you use, regis IFI6.1. Does the following statement apply to an MFI account that you use, regis IFI6.1. Does the following statement apply to an MFI account that you use, regis IFI6.1. Does the following statement apply to an MFI account that you use, regis IFI6.1. Does the following statement apply to an MFI account that you use, regis I will read you several statements. Please, tell me which of them apply to an MFI account that you use, registered or not. You do not have to personally use those services - I just want to know if your Microfinance Institution offers them. The institution offers a debit/ATM card or a credit card with this account 298 2704 1 Yes 2 No 3 Dk/Refused Sysmiss IFI6.1. Does the following statement apply to an MFI account that you use, registered or not? You can access your account and make transactions using either a mobile phone application or internet/bank?s website IFI6.2. Does the following statement apply to an MFI account that you use, regis IFI6.2. Does the following statement apply to an MFI account that you use, regis IFI6.2. Does the following statement apply to an MFI account that you use, regis IFI6.2. Does the following statement apply to an MFI account that you use, regis IFI6.2. Does the following statement apply to an MFI account that you use, regis I will read you several statements. Please, tell me which of them apply to an MFI account that you use, registered or not. You do not have to personally use those services - I just want to know if your Microfinance Institution offers them. You can access your account and make transactions using either a mobile phone application or internet/bank's website 298 2704 1 Yes 2 No 3 Dk/Refused Sysmiss IFI6.2. Does the following statement apply to an MFI account that you use, registered or not? The institution offers a debit/ATM card or a credit card with this account IFI6.3. Does the following statement apply to an MFI account that you use, regis IFI6.3. Does the following statement apply to an MFI account that you use, regis IFI6.3. Does the following statement apply to an MFI account that you use, regis IFI6.3. Does the following statement apply to an MFI account that you use, regis IFI6.3. Does the following statement apply to an MFI account that you use, regis I will read you several statements. Please, tell me which of them apply to an MFI account that you use, registered or not. You do not have to personally use those services - I just want to know if your Microfinance Institution offers them. Money can be transferred to/from this account without using cash (make a direct deposit, automatic payments or withdrawals, transfers to/from other banks/mobile money account/SACCO or cooperative account) 298 2704 1 Yes 2 No 3 Dk/Refused Sysmiss IFI6.3. Does the following statement apply to an MFI account that you use, registered or not? You can transfer money to/from this account without using cash (make a direct deposit, automatic payments or withdrawals, transfers to/from other banks/mobile mon IFI7.1. Does the following statement apply to an COOPERATIVE account that you us IFI7.1. Does the following statement apply to an COOPERATIVE account that you us IFI7.1. Does the following statement apply to an COOPERATIVE account that you us IFI7.1. Does the following statement apply to an COOPERATIVE account that you us IFI7.1. Does the following statement apply to an COOPERATIVE account that you us Which of the following statements apply to NON-UMURENGE SACCOaccount you use, registered or not? You do not have to personally use those services - I just want to know if your NON-UMURENGE SACCO offers them. The institution offers a debit/ATM card or a credit card with this account 40 2962 1 Yes 2 No 3 Dk/Refused Sysmiss IFI7.1. Does the following statement apply to an COOPERATIVE account that you use, registered or not? You can access your account and make transactions using either a mobile phone application or internet/bank?s website IFI7.2. Does the following statement apply to an COOPERATIVE account that you us IFI7.2. Does the following statement apply to an COOPERATIVE account that you us IFI7.2. Does the following statement apply to an COOPERATIVE account that you us IFI7.2. Does the following statement apply to an COOPERATIVE account that you us IFI7.2. Does the following statement apply to an COOPERATIVE account that you us Which of the following statements apply to NON-UMURENGE SACCOaccount you use, registered or not? You do not have to personally use those services - I just want to know if your NON-UMURENGE SACCO offers them. You can access your account and make transactions using either a mobile phone application or internet/bank's website 40 2962 1 Yes 2 No 3 Dk/Refused Sysmiss IFI7.2. Does the following statement apply to an COOPERATIVE account that you use, registered or not? The institution offers a debit/ATM card or a credit card with this account IFI7.3. Does the following statement apply to an COOPERATIVE account that you us IFI7.3. Does the following statement apply to an COOPERATIVE account that you us IFI7.3. Does the following statement apply to an COOPERATIVE account that you us IFI7.3. Does the following statement apply to an COOPERATIVE account that you us IFI7.3. Does the following statement apply to an COOPERATIVE account that you us Which of the following statements apply to NON-UMURENGE SACCOaccount you use, registered or not? You do not have to personally use those services - I just want to know if your NON-UMURENGE SACCO offers them. Money can be transferred to/from this account without using cash (make a direct deposit, automatic payments or withdrawals, transfers to/from other banks/mobile money account/SACCO or cooperative account) 40 2962 1 Yes 2 No 3 Dk/Refused Sysmiss IFI7.3. Does the following statement apply to an COOPERATIVE account that you use, registered or not? You can transfer money to/from this account without using cash (make a direct deposit, automatic payments or withdrawals, transfers to/from other banks/mo IFI8.1. Does the following statement apply to an Saving & Credit union associati IFI8.1. Does the following statement apply to an Saving & Credit union associati IFI8.1. Does the following statement apply to an Saving & Credit union associati IFI8.1. Does the following statement apply to an Saving & Credit union associati IFI8.1. Does the following statement apply to an Saving & Credit union associati Which of the following statements apply to UMURENGE SACCO account you use, registered or not? You do not have to personally use those services - I just want to know if your UMURENGE SACCO offers them. The institution offers a debit/ATM card or a credit card with this account 143 2859 1 Yes 2 No 3 Dk/Refused Sysmiss IFI8.1. Does the following statement apply to an Saving & Credit union association account that you use, registered or not? You can access your account and make transactions using either a mobile phone application or internet/bank?s website IFI8.2. Does the following statement apply to an Saving & Credit union associati IFI8.2. Does the following statement apply to an Saving & Credit union associati IFI8.2. Does the following statement apply to an Saving & Credit union associati IFI8.2. Does the following statement apply to an Saving & Credit union associati IFI8.2. Does the following statement apply to an Saving & Credit union associati Which of the following statements apply to UMURENGE SACCO account you use, registered or not? You do not have to personally use those services - I just want to know if your UMURENGE SACCO offers them. You can access your account and make transactions using either a mobile phone application or internet/bank's website 143 2859 1 Yes 2 No 3 Dk/Refused Sysmiss IFI8.2. Does the following statement apply to an Saving & Credit union association account that you use, registered or not? The institution offers a debit/ATM card or a credit card with this account IFI8.3. Does the following statement apply to an Saving & Credit union associati IFI8.3. Does the following statement apply to an Saving & Credit union associati IFI8.3. Does the following statement apply to an Saving & Credit union associati IFI8.3. Does the following statement apply to an Saving & Credit union associati IFI8.3. Does the following statement apply to an Saving & Credit union associati Which of the following statements apply to UMURENGE SACCO account you use, registered or not? You do not have to personally use those services - I just want to know if your UMURENGE SACCO offers them. Money can be transferred to/from this account without using cash (make a direct deposit, automatic payments or withdrawals, transfers to/from other banks/mobile money account/SACCO or cooperative account) 143 2859 1 Yes 2 No 3 Dk/Refused Sysmiss IFI8.3. Does the following statement apply to an Saving & Credit union association account that you use, registered or not? You can transfer money to/from this account without using cash (make a direct deposit, automatic payments or withdrawals, transfers IFI10.1. Have you ever used your MFI account for the following? Basic transactio IFI10.1. Have you ever used your MFI account for the following? Basic transactio IFI10.1. Have you ever used your MFI account for the following? Basic transactio IFI10.1. Have you ever used your MFI account for the following? Basic transactio IFI10.1. Have you ever used your MFI account for the following? Basic transactio Have you ever used your MFI account for the following? Basic transactions: deposit or withdraw money, buy airtime 298 2704 1 Yes 2 No Sysmiss IFI10.1. Have you ever used your MFI account for the following? Basic transactions: deposit or withdraw money, buy airtime IFI10.2. Have you ever used your MFI account for the following? Send or receive IFI10.2. Have you ever used your MFI account for the following? Send or receive IFI10.2. Have you ever used your MFI account for the following? Send or receive IFI10.2. Have you ever used your MFI account for the following? Send or receive IFI10.2. Have you ever used your MFI account for the following? Send or receive Have you ever used your MFI account for the following? Send or receive remittances to/from other people 298 2704 1 Yes 2 No Sysmiss IFI10.2. Have you ever used your MFI account for the following? Send or receive remittances to/from other people IFI10.3. Have you ever used your MFI account for the following? Make payments to IFI10.3. Have you ever used your MFI account for the following? Make payments to IFI10.3. Have you ever used your MFI account for the following? Make payments to IFI10.3. Have you ever used your MFI account for the following? Make payments to IFI10.3. Have you ever used your MFI account for the following? Make payments to Have you ever used your MFI account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, refugee payments, etc. 298 2704 1 Yes 2 No Sysmiss IFI10.3. Have you ever used your MFI account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, etc. IFI10.4. Have you ever used your MFI account for the following? Save/store money IFI10.4. Have you ever used your MFI account for the following? Save/store money IFI10.4. Have you ever used your MFI account for the following? Save/store money IFI10.4. Have you ever used your MFI account for the following? Save/store money IFI10.4. Have you ever used your MFI account for the following? Save/store money Have you ever used your MFI account for the following? Save/store money 298 2704 1 Yes 2 No Sysmiss IFI10.5. Have you ever used your MFI account for the following? Buy insurance, m IFI10.5. Have you ever used your MFI account for the following? Buy insurance, m IFI10.5. Have you ever used your MFI account for the following? Buy insurance, m IFI10.5. Have you ever used your MFI account for the following? Buy insurance, m IFI10.5. Have you ever used your MFI account for the following? Buy insurance, m Have you ever used your MFI account for the following? Buy insurance, make payments, receive claims on insurance 298 2704 1 Yes 2 No Sysmiss IFI10.5. Have you ever used your MFI account for the following? Buy insurance, make payments, receive claims on insurance IFI10.6. Have you ever used your MFI account for the following? Take loans, borr IFI10.6. Have you ever used your MFI account for the following? Take loans, borr IFI10.6. Have you ever used your MFI account for the following? Take loans, borr IFI10.6. Have you ever used your MFI account for the following? Take loans, borr IFI10.6. Have you ever used your MFI account for the following? Take loans, borr Have you ever used your MFI account for the following? Take loans, borrow money 298 2704 1 Yes 2 No Sysmiss IFI10.6. Have you ever used your MFI account for the following? Take loans, borrow money IFI10.7. Have you ever used your MFI account for the following? Make investments IFI10.7. Have you ever used your MFI account for the following? Make investments IFI10.7. Have you ever used your MFI account for the following? Make investments IFI10.7. Have you ever used your MFI account for the following? Make investments IFI10.7. Have you ever used your MFI account for the following? Make investments Have you ever used your MFI account for the following? Make investments 298 2704 1 Yes 2 No Sysmiss IFI10.8. Have you ever used your MFI account for the following? Pay for grocerie IFI10.8. Have you ever used your MFI account for the following? Pay for grocerie IFI10.8. Have you ever used your MFI account for the following? Pay for grocerie IFI10.8. Have you ever used your MFI account for the following? Pay for grocerie IFI10.8. Have you ever used your MFI account for the following? Pay for grocerie Have you ever used your MFI account for the following? Pay for groceries, clothes, etc. 298 2704 1 Yes 2 No Sysmiss IFI10.8. Have you ever used your MFI account for the following? Pay for groceries, clothes, etc. IFI10.9. Have you ever used your MFI account for the following? Make business tr IFI10.9. Have you ever used your MFI account for the following? Make business tr IFI10.9. Have you ever used your MFI account for the following? Make business tr IFI10.9. Have you ever used your MFI account for the following? Make business tr IFI10.9. Have you ever used your MFI account for the following? Make business tr Have you ever used your MFI account for the following? Make business transactions 298 2704 1 Yes 2 No Sysmiss IFI10.9. Have you ever used your MFI account for the following? Make business transactions IFI10.10. Have you ever used your MFI account for the following? Transfer money IFI10.10. Have you ever used your MFI account for the following? Transfer money IFI10.10. Have you ever used your MFI account for the following? Transfer money IFI10.10. Have you ever used your MFI account for the following? Transfer money IFI10.10. Have you ever used your MFI account for the following? Transfer money Have you ever used your MFI account for the following? Transfer money between an account at this institution and your bank account 298 2704 1 Yes 2 No Sysmiss IFI10.10. Have you ever used your MFI account for the following? Transfer money between an account at this institution and your bank account IFI10.11. Have you ever used your MFI account for the following? Transfer money IFI10.11. Have you ever used your MFI account for the following? Transfer money IFI10.11. Have you ever used your MFI account for the following? Transfer money IFI10.11. Have you ever used your MFI account for the following? Transfer money IFI10.11. Have you ever used your MFI account for the following? Transfer money Have you ever used your MFI account for the following? Transfer money between an account at this institution and your mobile money account 298 2704 1 Yes 2 No Sysmiss IFI10.11. Have you ever used your MFI account for the following? Transfer money between an account at this institution and your mobile money account IFI11.1. Have you ever used your COOPERATIVE account for the following? Basic tr IFI11.1. Have you ever used your COOPERATIVE account for the following? Basic tr IFI11.1. Have you ever used your COOPERATIVE account for the following? Basic tr IFI11.1. Have you ever used your COOPERATIVE account for the following? Basic tr IFI11.1. Have you ever used your COOPERATIVE account for the following? Basic tr Have you ever used your NON-UMURENGE SACCO account for the following? Basic transactions: deposit or withdraw money, buy airtime 40 2962 1 Yes 2 No Sysmiss IFI11.1. Have you ever used your COOPERATIVE account for the following? Basic transactions: deposit or withdraw money, buy airtime IFI11.2. Have you ever used your COOPERATIVE account for the following? Send or IFI11.2. Have you ever used your COOPERATIVE account for the following? Send or IFI11.2. Have you ever used your COOPERATIVE account for the following? Send or IFI11.2. Have you ever used your COOPERATIVE account for the following? Send or IFI11.2. Have you ever used your COOPERATIVE account for the following? Send or Have you ever used your NON-UMURENGE SACCO account for the following? Send or receive remittances to/from other people 40 2962 1 Yes 2 No Sysmiss IFI11.2. Have you ever used your COOPERATIVE account for the following? Send or receive remittances to/from other people IFI11.3. Have you ever used your COOPERATIVE account for the following? Make pay IFI11.3. Have you ever used your COOPERATIVE account for the following? Make pay IFI11.3. Have you ever used your COOPERATIVE account for the following? Make pay IFI11.3. Have you ever used your COOPERATIVE account for the following? Make pay IFI11.3. Have you ever used your COOPERATIVE account for the following? Make pay Have you ever used your NON-UMURENGE SACCO account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, refugee payments, etc. 40 2962 1 Yes 2 No Sysmiss IFI11.3. Have you ever used your COOPERATIVE account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, etc. IFI11.4. Have you ever used your COOPERATIVE account for the following? Save/sto IFI11.4. Have you ever used your COOPERATIVE account for the following? Save/sto IFI11.4. Have you ever used your COOPERATIVE account for the following? Save/sto IFI11.4. Have you ever used your COOPERATIVE account for the following? Save/sto IFI11.4. Have you ever used your COOPERATIVE account for the following? Save/sto Have you ever used your NON-UMURENGE SACCO account for the following? Save/store money 40 2962 1 Yes 2 No Sysmiss IFI11.4. Have you ever used your COOPERATIVE account for the following? Save/store money IFI11.5. Have you ever used your COOPERATIVE account for the following? Buy insu IFI11.5. Have you ever used your COOPERATIVE account for the following? Buy insu IFI11.5. Have you ever used your COOPERATIVE account for the following? Buy insu IFI11.5. Have you ever used your COOPERATIVE account for the following? Buy insu IFI11.5. Have you ever used your COOPERATIVE account for the following? Buy insu Have you ever used your NON-UMURENGE SACCO account for the following? Buy insurance, make payments, receive claims on insurance 40 2962 1 Yes 2 No Sysmiss IFI11.5. Have you ever used your COOPERATIVE account for the following? Buy insurance, make payments, receive claims on insurance IFI11.6. Have you ever used your COOPERATIVE account for the following? Take loa IFI11.6. Have you ever used your COOPERATIVE account for the following? Take loa IFI11.6. Have you ever used your COOPERATIVE account for the following? Take loa IFI11.6. Have you ever used your COOPERATIVE account for the following? Take loa IFI11.6. Have you ever used your COOPERATIVE account for the following? Take loa Have you ever used your NON-UMURENGE SACCO account for the following? Take loans, borrow money 40 2962 1 Yes 2 No Sysmiss IFI11.6. Have you ever used your COOPERATIVE account for the following? Take loans, borrow money IFI11.7. Have you ever used your COOPERATIVE account for the following? Make inv IFI11.7. Have you ever used your COOPERATIVE account for the following? Make inv IFI11.7. Have you ever used your COOPERATIVE account for the following? Make inv IFI11.7. Have you ever used your COOPERATIVE account for the following? Make inv IFI11.7. Have you ever used your COOPERATIVE account for the following? Make inv Have you ever used your NON-UMURENGE SACCO account for the following? Make investments 40 2962 1 Yes 2 No Sysmiss IFI11.7. Have you ever used your COOPERATIVE account for the following? Make investments IFI11.8. Have you ever used your COOPERATIVE account for the following? Pay for IFI11.8. Have you ever used your COOPERATIVE account for the following? Pay for IFI11.8. Have you ever used your COOPERATIVE account for the following? Pay for IFI11.8. Have you ever used your COOPERATIVE account for the following? Pay for IFI11.8. Have you ever used your COOPERATIVE account for the following? Pay for Have you ever used your NON-UMURENGE SACCO account for the following? Pay for groceries, clothes, etc. 40 2962 1 Yes 2 No Sysmiss IFI11.8. Have you ever used your COOPERATIVE account for the following? Pay for groceries, clothes, etc. IFI11.9. Have you ever used your COOPERATIVE account for the following? Make bus IFI11.9. Have you ever used your COOPERATIVE account for the following? Make bus IFI11.9. Have you ever used your COOPERATIVE account for the following? Make bus IFI11.9. Have you ever used your COOPERATIVE account for the following? Make bus IFI11.9. Have you ever used your COOPERATIVE account for the following? Make bus Have you ever used your NON-UMURENGE SACCO account for the following? Make business transactions 40 2962 1 Yes 2 No Sysmiss IFI11.9. Have you ever used your COOPERATIVE account for the following? Make business transactions IFI11.10. Have you ever used your COOPERATIVE account for the following? Transfe IFI11.10. Have you ever used your COOPERATIVE account for the following? Transfe IFI11.10. Have you ever used your COOPERATIVE account for the following? Transfe IFI11.10. Have you ever used your COOPERATIVE account for the following? Transfe IFI11.10. Have you ever used your COOPERATIVE account for the following? Transfe Have you ever used your NON-UMURENGE SACCO account for the following? Transfer money between an account at this institution and your bank account 40 2962 1 Yes 2 No Sysmiss IFI11.10. Have you ever used your COOPERATIVE account for the following? Transfer money between an account at this institution and your bank account IFI11.11. Have you ever used your COOPERATIVE account for the following? Transfe IFI11.11. Have you ever used your COOPERATIVE account for the following? Transfe IFI11.11. Have you ever used your COOPERATIVE account for the following? Transfe IFI11.11. Have you ever used your COOPERATIVE account for the following? Transfe IFI11.11. Have you ever used your COOPERATIVE account for the following? Transfe Have you ever used your NON-UMURENGE SACCO account for the following? Transfer money between an account at this institution and your mobile money account 40 2962 1 Yes 2 No Sysmiss IFI11.11. Have you ever used your COOPERATIVE account for the following? Transfer money between an account at this institution and your mobile money account IFI12.1. Have you ever used your Savings & Credit union association account for IFI12.1. Have you ever used your Savings & Credit union association account for IFI12.1. Have you ever used your Savings & Credit union association account for IFI12.1. Have you ever used your Savings & Credit union association account for IFI12.1. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Basic transactions: deposit or withdraw money, buy airtime 143 2859 1 Yes 2 No Sysmiss IFI12.1. Have you ever used your Savings & Credit union association account for the following? Basic transactions: deposit or withdraw money, buy airtime IFI12.2. Have you ever used your Savings & Credit union association account for IFI12.2. Have you ever used your Savings & Credit union association account for IFI12.2. Have you ever used your Savings & Credit union association account for IFI12.2. Have you ever used your Savings & Credit union association account for IFI12.2. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Send or receive remittances to/from other people 143 2859 1 Yes 2 No Sysmiss IFI12.2. Have you ever used your Savings & Credit union association account for the following? Send or receive remittances to/from other people IFI12.3. Have you ever used your Savings & Credit union association account for IFI12.3. Have you ever used your Savings & Credit union association account for IFI12.3. Have you ever used your Savings & Credit union association account for IFI12.3. Have you ever used your Savings & Credit union association account for IFI12.3. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, refugee payments, etc. 143 2859 1 Yes 2 No Sysmiss IFI12.3. Have you ever used your Savings & Credit union association account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, etc. IFI12.4. Have you ever used your Savings & Credit union association account for IFI12.4. Have you ever used your Savings & Credit union association account for IFI12.4. Have you ever used your Savings & Credit union association account for IFI12.4. Have you ever used your Savings & Credit union association account for IFI12.4. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Save/store money 143 2859 1 Yes 2 No Sysmiss IFI12.4. Have you ever used your Savings & Credit union association account for the following? Save/store money IFI12.5. Have you ever used your Savings & Credit union association account for IFI12.5. Have you ever used your Savings & Credit union association account for IFI12.5. Have you ever used your Savings & Credit union association account for IFI12.5. Have you ever used your Savings & Credit union association account for IFI12.5. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Buy insurance, make payments, receive claims on insurance 143 2859 1 Yes 2 No Sysmiss IFI12.5. Have you ever used your Savings & Credit union association account for the following? Buy insurance, make payments, receive claims on insurance IFI12.6. Have you ever used your Savings & Credit union association account for IFI12.6. Have you ever used your Savings & Credit union association account for IFI12.6. Have you ever used your Savings & Credit union association account for IFI12.6. Have you ever used your Savings & Credit union association account for IFI12.6. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Take loans, borrow money 143 2859 1 Yes 2 No Sysmiss IFI12.6. Have you ever used your Savings & Credit union association account for the following? Take loans, borrow money IFI12.7. Have you ever used your Savings & Credit union association account for IFI12.7. Have you ever used your Savings & Credit union association account for IFI12.7. Have you ever used your Savings & Credit union association account for IFI12.7. Have you ever used your Savings & Credit union association account for IFI12.7. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Make investments 143 2859 1 Yes 2 No Sysmiss IFI12.7. Have you ever used your Savings & Credit union association account for the following? Make investments IFI12.8. Have you ever used your Savings & Credit union association account for IFI12.8. Have you ever used your Savings & Credit union association account for IFI12.8. Have you ever used your Savings & Credit union association account for IFI12.8. Have you ever used your Savings & Credit union association account for IFI12.8. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Pay for groceries, clothes, etc. 143 2859 1 Yes 2 No Sysmiss IFI12.8. Have you ever used your Savings & Credit union association account for the following? Pay for groceries, clothes, etc. IFI12.9. Have you ever used your Savings & Credit union association account for IFI12.9. Have you ever used your Savings & Credit union association account for IFI12.9. Have you ever used your Savings & Credit union association account for IFI12.9. Have you ever used your Savings & Credit union association account for IFI12.9. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Make business transactions 143 2859 1 Yes 2 No Sysmiss IFI12.9. Have you ever used your Savings & Credit union association account for the following? Make business transactions IFI12.10. Have you ever used your Savings & Credit union association account for IFI12.10. Have you ever used your Savings & Credit union association account for IFI12.10. Have you ever used your Savings & Credit union association account for IFI12.10. Have you ever used your Savings & Credit union association account for IFI12.10. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Transfer money between an account at this institution and your bank account 143 2859 1 Yes 2 No Sysmiss IFI12.10. Have you ever used your Savings & Credit union association account for the following? Transfer money between an account at this institution and your bank account IFI12.11. Have you ever used your Savings & Credit union association account for IFI12.11. Have you ever used your Savings & Credit union association account for IFI12.11. Have you ever used your Savings & Credit union association account for IFI12.11. Have you ever used your Savings & Credit union association account for IFI12.11. Have you ever used your Savings & Credit union association account for Have you ever used your UMURENGE SACCO account for the following? Transfer money between an account at this institution and your mobile money account 143 2859 1 Yes 2 No Sysmiss IFI12.11. Have you ever used your Savings & Credit union association account for the following? Transfer money between an account at this institution and your mobile money account IFI14.1. How far is the closest ... from the place where you live? Microfinance IFI14.1. How far is the closest ... from the place where you live? Microfinance IFI14.1. How far is the closest ... from the place where you live? Microfinance IFI14.1. How far is the closest ... from the place where you live? Microfinance IFI14.1. How far is the closest ... from the place where you live? Microfinance How far is the closest ___________ from the place where you live? Is he/she___________ away? Please, tell me about the closest organization, regardless whether you personally use it. Microfinance institution 3002 1 0.5 km or less 2 More than 0.5 km to 1 km 3 More than 1 km to 5 km 4 More than 5 km to 10 km 5 More than 10 km to 15 km 6 More than 15 km 7 DK/Refused IFI14.1. How far is the closest ... from the place where you live? Microfinance institution IFI14.2. How far is the closest ... from the place where you live? Cooperative IFI14.2. How far is the closest ... from the place where you live? Cooperative IFI14.2. How far is the closest ... from the place where you live? Cooperative IFI14.2. How far is the closest ... from the place where you live? Cooperative IFI14.2. How far is the closest ... from the place where you live? Cooperative How far is the closest ___________ from the place where you live? Is he/she___________ away? Please, tell me about the closest organization, regardless whether you personally use it. Non-Umurenge SACCO 3002 1 0.5 km or less 2 More than 0.5 km to 1 km 3 More than 1 km to 5 km 4 More than 5 km to 10 km 5 More than 10 km to 15 km 6 More than 15 km 7 DK/Refused IFI14.3. How far is the closest ... from the place where you live? Savings & Cre IFI14.3. How far is the closest ... from the place where you live? Savings & Cre IFI14.3. How far is the closest ... from the place where you live? Savings & Cre IFI14.3. How far is the closest ... from the place where you live? Savings & Cre IFI14.3. How far is the closest ... from the place where you live? Savings & Cre How far is the closest ___________ from the place where you live? Is he/she___________ away? Please, tell me about the closest organization, regardless whether you personally use it. Umurenge SACCO 3002 1 0.5 km or less 2 More than 0.5 km to 1 km 3 More than 1 km to 5 km 4 More than 5 km to 10 km 5 More than 10 km to 15 km 6 More than 15 km 7 DK/Refused IFI14.3. How far is the closest ... from the place where you live? Savings & Credit Union Associations IFI14.4. How far is the closest ... from the place where you live? Susu or anoth IFI14.4. How far is the closest ... from the place where you live? Susu or anoth IFI14.4. How far is the closest ... from the place where you live? Susu or anoth IFI14.4. How far is the closest ... from the place where you live? Susu or anoth IFI14.4. How far is the closest ... from the place where you live? Susu or anoth How far is the closest ___________ from the place where you live? Is he/she___________ away? Please, tell me about the closest organization, regardless whether you personally use it. An ATM or a point-of-sale where you can use a digital card, a recharge card that is not attached to a bank or MFI account 3002 1 0.5 km or less 2 More than 0.5 km to 1 km 3 More than 1 km to 5 km 4 More than 5 km to 10 km 5 More than 10 km to 15 km 6 More than 15 km 7 DK/Refused IFI14.4. How far is the closest ... from the place where you live? Susu or another informal saving network IFI14.5. How far is the closest ... from the place where you live? A money guard IFI14.5. How far is the closest ... from the place where you live? A money guard IFI14.5. How far is the closest ... from the place where you live? A money guard IFI14.5. How far is the closest ... from the place where you live? A money guard IFI14.5. How far is the closest ... from the place where you live? A money guard How far is the closest ___________ from the place where you live? Is he/she___________ away? Please, tell me about the closest organization, regardless whether you personally use it. Other financial service (Specify) 3002 1 0.5 km or less 2 More than 0.5 km to 1 km 3 More than 1 km to 5 km 4 More than 5 km to 10 km 5 More than 10 km to 15 km 6 More than 15 km 7 DK/Refused IFI14.5. How far is the closest ... from the place where you live? A money guard/ someone in workplace or neighborhood that collects and keeps savings deposits on a regular basis IFI14.6. How far is the closest ... from the place where you live? Savings colle IFI14.6. How far is the closest ... from the place where you live? Savings colle IFI14.6. How far is the closest ... from the place where you live? Savings colle IFI14.6. How far is the closest ... from the place where you live? Savings colle IFI14.6. How far is the closest ... from the place where you live? Savings colle 3002 1 0.5 km or less 2 More than 0.5 km to 1 km 3 More than 1 km to 5 km 4 More than 5 km to 10 km 5 More than 10 km to 15 km 6 More than 15 km 7 DK/Refused IFI14.6. How far is the closest ... from the place where you live? Savings collectors IFI14.7. How far is the closest ... from the place where you live? ATM, bank or IFI14.7. How far is the closest ... from the place where you live? ATM, bank or IFI14.7. How far is the closest ... from the place where you live? ATM, bank or IFI14.7. How far is the closest ... from the place where you live? ATM, bank or IFI14.7. How far is the closest ... from the place where you live? ATM, bank or 3002 1 0.5 km or less 2 More than 0.5 km to 1 km 3 More than 1 km to 5 km 4 More than 5 km to 10 km 5 More than 10 km to 15 km 6 More than 15 km 7 DK/Refused IFI14.7. How far is the closest ... from the place where you live? ATM, bank or another place where you can recharge a digital card, a recharge card that is not attached to a bank or MFI account IFI14.8. How far is the closest ... from the place where you live? Other financi IFI14.8. How far is the closest ... from the place where you live? Other financi IFI14.8. How far is the closest ... from the place where you live? Other financi IFI14.8. How far is the closest ... from the place where you live? Other financi IFI14.8. How far is the closest ... from the place where you live? Other financi 3002 1 0.5 km or less 2 More than 0.5 km to 1 km 3 More than 1 km to 5 km 4 More than 5 km to 10 km 5 More than 10 km to 15 km 6 More than 15 km 7 DK/Refused IFI14.8. How far is the closest ... from the place where you live? Other financial service FL1. How often do you make a plan for how to spend your income, whether it is ea FL1. How often do you make a plan for how to spend your income, whether it is ea FL1. How often do you make a plan for how to spend your income, whether it is ea FL1. How often do you make a plan for how to spend your income, whether it is ea FL1. How often do you make a plan for how to spend your income, whether it is ea How often do you make a plan for how to spend your income, whether it is earned through a job, received from the government or from other people)? 3002 1 Always or most of the time 2 Sometimes 3 Rarely 4 Never FL1. How often do you make a plan for how to spend your income, whether it is earned through a job, received from the government or from other people? FL2. When you make a plan, how often do you keep it? FL2. When you make a plan, how often do you keep it? FL2. When you make a plan, how often do you keep it? FL2. When you make a plan, how often do you keep it? FL2. When you make a plan, how often do you keep it? When you make a plan, how often do you keep it? 2897 105 1 Always or most of the time 2 Sometimes 3 Rarely 4 Never Sysmiss FL3.1. Please, tell me how often does the following apply to you? I spend less m FL3.1. Please, tell me how often does the following apply to you? I spend less m FL3.1. Please, tell me how often does the following apply to you? I spend less m FL3.1. Please, tell me how often does the following apply to you? I spend less m FL3.1. Please, tell me how often does the following apply to you? I spend less m I will read several statements. Please, tell me how often does the following apply to you? I spend less money than I make each month 3002 1 Always or most of the time 2 Sometimes 3 Rarely 4 Never FL3.1. Please, tell me how often does the following apply to you? I spend less money than I make each month FL3.2. Please, tell me how often does the following apply to you? I have an emer FL3.2. Please, tell me how often does the following apply to you? I have an emer FL3.2. Please, tell me how often does the following apply to you? I have an emer FL3.2. Please, tell me how often does the following apply to you? I have an emer FL3.2. Please, tell me how often does the following apply to you? I have an emer I will read several statements. Please, tell me how often does the following apply to you? I have an emergency fund to cover for unplanned expenses 3002 1 Always or most of the time 2 Sometimes 3 Rarely 4 Never FL3.2. Please, tell me how often does the following apply to you? I have an emergency fund to cover for unplanned expenses FL3.3. Please, tell me how often does the following apply to you? I pay my bills FL3.3. Please, tell me how often does the following apply to you? I pay my bills FL3.3. Please, tell me how often does the following apply to you? I pay my bills FL3.3. Please, tell me how often does the following apply to you? I pay my bills FL3.3. Please, tell me how often does the following apply to you? I pay my bills I will read several statements. Please, tell me how often does the following apply to you? I pay my bills on time 3002 1 Always or most of the time 2 Sometimes 3 Rarely 4 Never FL3.3. Please, tell me how often does the following apply to you? I pay my bills on time FL3.4. Please, tell me how often does the following apply to you? My savings are FL3.4. Please, tell me how often does the following apply to you? My savings are FL3.4. Please, tell me how often does the following apply to you? My savings are FL3.4. Please, tell me how often does the following apply to you? My savings are FL3.4. Please, tell me how often does the following apply to you? My savings are I will read several statements. Please, tell me how often does the following apply to you? My savings are larger than my debts 3002 1 Always or most of the time 2 Sometimes 3 Rarely 4 Never FL3.4. Please, tell me how often does the following apply to you? My savings are larger than my debts FL4.1. Which of the following you have? A living will; I know what will happen t FL4.1. Which of the following you have? A living will; I know what will happen t FL4.1. Which of the following you have? A living will; I know what will happen t FL4.1. Which of the following you have? A living will; I know what will happen t FL4.1. Which of the following you have? A living will; I know what will happen t Please, tell me which of the following you have? Aliving will; I know what will happen to my money if I die unexpectedly 3002 1 Yes 2 No FL4.1. Which of the following you have? A living will; I know what will happen to my money if I die unexpectedly FL4.2. Which of the following you have? A retirement plan (employer provided or FL4.2. Which of the following you have? A retirement plan (employer provided or FL4.2. Which of the following you have? A retirement plan (employer provided or FL4.2. Which of the following you have? A retirement plan (employer provided or FL4.2. Which of the following you have? A retirement plan (employer provided or Please, tell me which of the following you have? A retirement plan (employer provided or personal) that will help me live comfortably after I stop working 3002 1 Yes 2 No FL4.2. Which of the following you have? A retirement plan (employer provided or personal) that will help me live comfortably after I stop working FL4.3. Which of the following you have? At least one of the following: insurance FL4.3. Which of the following you have? At least one of the following: insurance FL4.3. Which of the following you have? At least one of the following: insurance FL4.3. Which of the following you have? At least one of the following: insurance FL4.3. Which of the following you have? At least one of the following: insurance Please, tell me which of the following you have? At least one of the following: insurance, savings and/or investment 3002 1 Yes 2 No FL4.3. Which of the following you have? At least one of the following: insurance, savings and/or investment FL5. Which of the following statements best describes your financial situation l FL5. Which of the following statements best describes your financial situation l FL5. Which of the following statements best describes your financial situation l FL5. Which of the following statements best describes your financial situation l FL5. Which of the following statements best describes your financial situation l Which of the following statements best describes your financial situation last month? 3002 1 I paid all typical family/personal expenses, including food, clothing, housing, bills and other living expenses and stil 2 I paid all typical family/personal expenses, including food, clothing, housing, bills and other living expenses but had 3 I had to borrow money to pay some typical family/personal expenses 4 I had to borrow money to pay all typical family/personal expenses FL5. Which of the following statements best describes your financial situation last month? FL6A. After paying your and your family?s typical expenses, in which three ways FL6A. After paying your and your family?s typical expenses, in which three ways FL6A. After paying your and your family?s typical expenses, in which three ways FL6A. After paying your and your family?s typical expenses, in which three ways FL6A. After paying your and your family?s typical expenses, in which three ways After paying your and your family's typical expenses, in which three ways did you use most of your remaining money last month? Please, select three options from the list: the first largest expense, then the second largest expense and the third largest expense First Largest expense 808 2194 1 Saving money 2 Paying for insurance 3 Repaying loans 4 Sending money to other people, including sending regular support money, emergency support, gifts, etc. 5 Investing 6 Entertainment: movies, restaurants, sport shows, theater plays, restaurants 7 Other 8 There were no more money left Sysmiss FL6A. After paying your and your family?s typical expenses, in which three ways did you use most of your remaining money last month? The first largest expense FL6B. After paying your and your family?s typical expenses, in which three ways FL6B. After paying your and your family?s typical expenses, in which three ways FL6B. After paying your and your family?s typical expenses, in which three ways FL6B. After paying your and your family?s typical expenses, in which three ways FL6B. After paying your and your family?s typical expenses, in which three ways After paying your and your family's typical expenses, in which three ways did you use most of your remaining money last month? Please, select three options from the list: the first largest expense, then the second largest expense and the third largest expense Second largest expense 808 2194 1 Saving money 2 Paying for insurance 3 Repaying loans 4 Sending money to other people, including sending regular support money, emergency support, gifts, etc. 5 Investing 6 Entertainment: movies, restaurants, sport shows, theater plays, restaurants 7 Other 8 There were no more money left Sysmiss FL6B. After paying your and your family?s typical expenses, in which three ways did you use most of your remaining money last month? The second largest expense FL6C. After paying your and your family?s typical expenses, in which three ways FL6C. After paying your and your family?s typical expenses, in which three ways FL6C. After paying your and your family?s typical expenses, in which three ways FL6C. After paying your and your family?s typical expenses, in which three ways FL6C. After paying your and your family?s typical expenses, in which three ways After paying your and your family's typical expenses, in which three ways did you use most of your remaining money last month? Please, select three options from the list: the first largest expense, then the second largest expense and the third largest expense Third largest expense 808 2194 1 Saving money 2 Paying for insurance 3 Repaying loans 4 Sending money to other people, including sending regular support money, emergency support, gifts, etc. 5 Investing 6 Entertainment: movies, restaurants, sport shows, theater plays, restaurants 7 Other 8 There were no more money left Sysmiss FL6C. After paying your and your family?s typical expenses, in which three ways did you use most of your remaining money last month? The third largest expense FL7. How many loans do you currently have? FL7. How many loans do you currently have? FL7. How many loans do you currently have? FL7. How many loans do you currently have? FL7. How many loans do you currently have? How many loans do you currently have? 3002 1 None 2 1 3 2-3 4 More than 3 FL8. Which of the following statements best describes how you usually repay your FL8. Which of the following statements best describes how you usually repay your FL8. Which of the following statements best describes how you usually repay your FL8. Which of the following statements best describes how you usually repay your FL8. Which of the following statements best describes how you usually repay your Which of the following statements best describes how you usually repay your loans? 3002 1 I repay in full before the deadline 2 I repay on the agreed day ? neither before the deadline nor after the deadline 3 I ask for an extension for repayment 4 I occasionally fail to repay by the deadline and forget to ask for an extension 5 I do not borrow money/don?t have loans FL8. Which of the following statements best describes how you usually repay your loans? FL9. Which of the following best describes how you usually spend the money you b FL9. Which of the following best describes how you usually spend the money you b FL9. Which of the following best describes how you usually spend the money you b FL9. Which of the following best describes how you usually spend the money you b FL9. Which of the following best describes how you usually spend the money you b Which of the following best describes how you usually spend the money you borrow? 317 2685 1 Routine purchases such as groceries and transportation 2 Medical payments, hospital charges 3 Educational expenses, school fees 4 Bills: utility bills, mobile phone and airtime, rent, taxes, etc. 5 Emergency expenses 6 Investment in business, farm or future, e.g., buying livestock, land, seeds, equipment and machinery, etc. 7 Make a large purchase, such as TV, car or bicycle, house, etc. 8 Other Sysmiss FL9. Which of the following best describes how you usually spend the money you borrow? FL10.1. Do you borrow money from any of the following? Bank FL10.1. Do you borrow money from any of the following? Bank FL10.1. Do you borrow money from any of the following? Bank FL10.1. Do you borrow money from any of the following? Bank FL10.1. Do you borrow money from any of the following? Bank Do you borrow money from any of the following? Bank 317 2685 1 Yes 2 No Sysmiss FL11.1. Do you know what interest rate or fee you pay on your loans from?? Bank FL11.1. Do you know what interest rate or fee you pay on your loans from?? Bank FL11.1. Do you know what interest rate or fee you pay on your loans from?? Bank FL11.1. Do you know what interest rate or fee you pay on your loans from?? Bank FL11.1. Do you know what interest rate or fee you pay on your loans from?? Bank Do you know what interest rate or fee you pay on your loans from…? Bank 94 2908 1 Yes 2 No Sysmiss FL10.2. Do you borrow money from any of the following? Microfinance institution FL10.2. Do you borrow money from any of the following? Microfinance institution FL10.2. Do you borrow money from any of the following? Microfinance institution FL10.2. Do you borrow money from any of the following? Microfinance institution FL10.2. Do you borrow money from any of the following? Microfinance institution Do you borrow money from any of the following? Microfinance institution 317 2685 1 Yes 2 No Sysmiss FL11.2. Do you know what interest rate or fee you pay on your loans from?? Micro FL11.2. Do you know what interest rate or fee you pay on your loans from?? Micro FL11.2. Do you know what interest rate or fee you pay on your loans from?? Micro FL11.2. Do you know what interest rate or fee you pay on your loans from?? Micro FL11.2. Do you know what interest rate or fee you pay on your loans from?? Micro Do you know what interest rate or fee you pay on your loans from…? Microfinance institution 55 2947 1 Yes 2 No Sysmiss FL11.2. Do you know what interest rate or fee you pay on your loans from?? Microfinance institution FL10.3. Do you borrow money from any of the following? Mobile money FL10.3. Do you borrow money from any of the following? Mobile money FL10.3. Do you borrow money from any of the following? Mobile money FL10.3. Do you borrow money from any of the following? Mobile money FL10.3. Do you borrow money from any of the following? Mobile money Do you borrow money from any of the following? Mobile money 317 2685 1 Yes 2 No Sysmiss FL11.3. Do you know what interest rate or fee you pay on your loans from?? Mobil FL11.3. Do you know what interest rate or fee you pay on your loans from?? Mobil FL11.3. Do you know what interest rate or fee you pay on your loans from?? Mobil FL11.3. Do you know what interest rate or fee you pay on your loans from?? Mobil FL11.3. Do you know what interest rate or fee you pay on your loans from?? Mobil Do you know what interest rate or fee you pay on your loans from…? Mobile money 6 2996 1 Yes 2 No Sysmiss FL11.3. Do you know what interest rate or fee you pay on your loans from?? Mobile money FL10.4. Do you borrow money from any of the following? Other formal financial in FL10.4. Do you borrow money from any of the following? Other formal financial in FL10.4. Do you borrow money from any of the following? Other formal financial in FL10.4. Do you borrow money from any of the following? Other formal financial in FL10.4. Do you borrow money from any of the following? Other formal financial in Do you borrow money from any of the following? Other formal financial institution (Specify) 317 2685 1 Yes 2 No Sysmiss FL10.4. Do you borrow money from any of the following? Other formal financial institution FL11.4. Do you know what interest rate or fee you pay on your loans from?? Other FL11.4. Do you know what interest rate or fee you pay on your loans from?? Other FL11.4. Do you know what interest rate or fee you pay on your loans from?? Other FL11.4. Do you know what interest rate or fee you pay on your loans from?? Other FL11.4. Do you know what interest rate or fee you pay on your loans from?? Other Do you know what interest rate or fee you pay on your loans from…? Other formal financial institution (Specify) 6 2996 1 Yes 2 No Sysmiss FL11.4. Do you know what interest rate or fee you pay on your loans from?? Other formal financial institution FL10.5. Do you borrow money from any of the following? Informal financial servic FL10.5. Do you borrow money from any of the following? Informal financial servic FL10.5. Do you borrow money from any of the following? Informal financial servic FL10.5. Do you borrow money from any of the following? Informal financial servic FL10.5. Do you borrow money from any of the following? Informal financial servic Do you borrow money from any of the following? Informal financial service provider such as cooperatives, ESUSU, village savings group etc. 317 2685 1 Yes 2 No Sysmiss FL10.5. Do you borrow money from any of the following? Informal financial service provider such as cooperatives, SUSU, village savings group etc. FL11.5. Do you know what interest rate or fee you pay on your loans from?? Infor FL11.5. Do you know what interest rate or fee you pay on your loans from?? Infor FL11.5. Do you know what interest rate or fee you pay on your loans from?? Infor FL11.5. Do you know what interest rate or fee you pay on your loans from?? Infor FL11.5. Do you know what interest rate or fee you pay on your loans from?? Infor Do you know what interest rate or fee you pay on your loans from…? Informal financial service provider such as cooperatives, ESUSU, village savings group etc. 22 2980 1 Yes 2 No Sysmiss FL11.5. Do you know what interest rate or fee you pay on your loans from?? Informal financial service provider such as cooperatives, SUSU, village savings group etc. FL10.6. Do you borrow money from any of the following? Other people, e.g., famil FL10.6. Do you borrow money from any of the following? Other people, e.g., famil FL10.6. Do you borrow money from any of the following? Other people, e.g., famil FL10.6. Do you borrow money from any of the following? Other people, e.g., famil FL10.6. Do you borrow money from any of the following? Other people, e.g., famil Do you borrow money from any of the following? Other people, e.g., family, friends, neighbors, shopkeepers, money guards, etc. 317 2685 1 Yes 2 No Sysmiss FL10.6. Do you borrow money from any of the following? Other people, e.g., family, friends, neighbors, shopkeepers, money guards, etc. FL11.6. Do you know what interest rate or fee you pay on your loans from?? Other FL11.6. Do you know what interest rate or fee you pay on your loans from?? Other FL11.6. Do you know what interest rate or fee you pay on your loans from?? Other FL11.6. Do you know what interest rate or fee you pay on your loans from?? Other FL11.6. Do you know what interest rate or fee you pay on your loans from?? Other Do you know what interest rate or fee you pay on your loans from…? Other people, e.g., family, friends, neighbors, shopkeepers, money guards, etc. 119 2883 1 Yes 2 No Sysmiss FL11.6. Do you know what interest rate or fee you pay on your loans from?? Other people, e.g., family, friends, neighbors, shopkeepers, money guards, etc. FL10.7. Do you borrow money from any of the following? Other FL10.7. Do you borrow money from any of the following? Other FL10.7. Do you borrow money from any of the following? Other FL10.7. Do you borrow money from any of the following? Other FL10.7. Do you borrow money from any of the following? Other Do you borrow money from any of the following? Other 317 2685 1 Yes 2 No Sysmiss FL11.7. Do you know what interest rate or fee you pay on your loans from?? Other FL11.7. Do you know what interest rate or fee you pay on your loans from?? Other FL11.7. Do you know what interest rate or fee you pay on your loans from?? Other FL11.7. Do you know what interest rate or fee you pay on your loans from?? Other FL11.7. Do you know what interest rate or fee you pay on your loans from?? Other Do you know what interest rate or fee you pay on your loans from…? Other 4 2998 1 Yes 2 No Sysmiss FL12. What is the main reason you do not borrow from a bank, MFI or mobile money FL12. What is the main reason you do not borrow from a bank, MFI or mobile money FL12. What is the main reason you do not borrow from a bank, MFI or mobile money FL12. What is the main reason you do not borrow from a bank, MFI or mobile money FL12. What is the main reason you do not borrow from a bank, MFI or mobile money What is the main reason you do not borrow from a bank, MFI or mobile money provider? 170 2832 1 I can borrow money through other means 2 I do not know how to open an account 3 I do not have a state ID or other required documents 4 There is no formal financial institution close to where I live 5 Paperwork is too complicated 6 Registration fee is too high 7 I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che 8 Fees for using this service are too high 9 No one among my friends of family saves/borrows money 10 I do not trust formal financial institutions 11 I prefer to rely on my friends and family for financial services rather than formal institutions 12 The amount of money I need to borrow is too small to use such a service 13 Formal financial institutions are not flexible enough 14 Interest rate is too high 15 I have enough money, I don?t need to borrow 16 I tried to borrow formally but I was denied 17 Other Sysmiss FL12. What is the main reason you do not borrow from a bank, MFI or mobile money provider? FL13.1. Do you save with any of the following? Bank FL13.1. Do you save with any of the following? Bank FL13.1. Do you save with any of the following? Bank FL13.1. Do you save with any of the following? Bank FL13.1. Do you save with any of the following? Bank Do you save with any of the following? Bank 3002 1 Yes 2 No FL14.1. Do you know what interest rate you earn on your savings accounts from?? FL14.1. Do you know what interest rate you earn on your savings accounts from?? FL14.1. Do you know what interest rate you earn on your savings accounts from?? FL14.1. Do you know what interest rate you earn on your savings accounts from?? FL14.1. Do you know what interest rate you earn on your savings accounts from?? Do you know what interest rate you earn on your savings accounts from…? Bank 943 2059 1 Yes 2 No Sysmiss FL14.1. Do you know what interest rate you earn on your savings accounts from?? Bank FL13.2. Do you save with any of the following? Microfinance institution FL13.2. Do you save with any of the following? Microfinance institution FL13.2. Do you save with any of the following? Microfinance institution FL13.2. Do you save with any of the following? Microfinance institution FL13.2. Do you save with any of the following? Microfinance institution Do you save with any of the following? Microfinance institution 3002 1 Yes 2 No FL14.2. Do you know what interest rate you earn on your savings accounts from?? FL14.2. Do you know what interest rate you earn on your savings accounts from?? FL14.2. Do you know what interest rate you earn on your savings accounts from?? FL14.2. Do you know what interest rate you earn on your savings accounts from?? FL14.2. Do you know what interest rate you earn on your savings accounts from?? Do you know what interest rate you earn on your savings accounts from…? Microfinance institution 227 2775 1 Yes 2 No Sysmiss FL14.2. Do you know what interest rate you earn on your savings accounts from?? Microfinance institution FL13.3. Do you save with any of the following? Mobile money FL13.3. Do you save with any of the following? Mobile money FL13.3. Do you save with any of the following? Mobile money FL13.3. Do you save with any of the following? Mobile money FL13.3. Do you save with any of the following? Mobile money Do you save with any of the following? Mobile money 3002 1 Yes 2 No FL14.3. Do you know what interest rate you earn on your savings accounts from?? FL14.3. Do you know what interest rate you earn on your savings accounts from?? FL14.3. Do you know what interest rate you earn on your savings accounts from?? FL14.3. Do you know what interest rate you earn on your savings accounts from?? FL14.3. Do you know what interest rate you earn on your savings accounts from?? Do you know what interest rate you earn on your savings accounts from…? Mobile money 374 2628 1 Yes 2 No Sysmiss FL14.3. Do you know what interest rate you earn on your savings accounts from?? Mobile money FL13.4. Do you save with any of the following? Informal/semi-formal financial or FL13.4. Do you save with any of the following? Informal/semi-formal financial or FL13.4. Do you save with any of the following? Informal/semi-formal financial or FL13.4. Do you save with any of the following? Informal/semi-formal financial or FL13.4. Do you save with any of the following? Informal/semi-formal financial or Do you save with any of the following? Informal/semi-formal financial organizations such as cooperatives, ESUSU, village savings group etc. 3002 1 Yes 2 No FL13.4. Do you save with any of the following? Informal/semi-formal financial organizations such as cooperatives, SUSU, village savings group etc. FL14.4. Do you know what interest rate you earn on your savings accounts from?? FL14.4. Do you know what interest rate you earn on your savings accounts from?? FL14.4. Do you know what interest rate you earn on your savings accounts from?? FL14.4. Do you know what interest rate you earn on your savings accounts from?? FL14.4. Do you know what interest rate you earn on your savings accounts from?? Do you know what interest rate you earn on your savings accounts from…? Informal/semi-formal financial organizations such as cooperatives, ESUSU, village savings group etc. 177 2825 1 Yes 2 No Sysmiss FL14.4. Do you know what interest rate you earn on your savings accounts from?? Informal/semi-formal financial organizations such as cooperatives, SUSU, village savings group etc FL13.5. Do you save with any of the following? Other people, e.g. family, friend FL13.5. Do you save with any of the following? Other people, e.g. family, friend FL13.5. Do you save with any of the following? Other people, e.g. family, friend FL13.5. Do you save with any of the following? Other people, e.g. family, friend FL13.5. Do you save with any of the following? Other people, e.g. family, friend Do you save with any of the following? Other people, e.g., family, friends, neighbors, shopkeepers, money guards, etc. 3002 1 Yes 2 No FL13.5. Do you save with any of the following? Other people, e.g. family, friend, neighbors, shopkeepers, money guards, etc. FL13.6. Do you save with any of the following? In a safe place at home or on you FL13.6. Do you save with any of the following? In a safe place at home or on you FL13.6. Do you save with any of the following? In a safe place at home or on you FL13.6. Do you save with any of the following? In a safe place at home or on you FL13.6. Do you save with any of the following? In a safe place at home or on you Do you save with any of the following? In a safe place at home or on yourself in cash or in-kind assets, such as gold 3002 1 Yes 2 No FL13.6. Do you save with any of the following? In a safe place at home or on yourself in cash or in-kind assets, such as gold FL13.7. Do you save with any of the following? Other FL13.7. Do you save with any of the following? Other FL13.7. Do you save with any of the following? Other FL13.7. Do you save with any of the following? Other FL13.7. Do you save with any of the following? Other Do you save with any of the following? Other 3002 1 Yes 2 No FL14.7. FL14.7.Do you know what interest rate you earn on your savings accounts FL14.7. FL14.7.Do you know what interest rate you earn on your savings accounts FL14.7. FL14.7.Do you know what interest rate you earn on your savings accounts FL14.7. FL14.7.Do you know what interest rate you earn on your savings accounts FL14.7. FL14.7.Do you know what interest rate you earn on your savings accounts Do you know what interest rate you earn on your savings accounts from…? Other 43 2959 1 Yes 2 No Sysmiss FL14.7. FL14.7.Do you know what interest rate you earn on your savings accounts from?? Other FL15.1. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.1. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.1. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.1. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.1. What is the main reason you do not save at a bank, MFI or on a mobile mo What is the main reason you do not save at a bank, MFI or on a mobile money account? Bank 2059 943 1 I can save through other means 2 I do not know how to open an account 3 I do not have a state ID or other required documents 4 There is no formal financial institution close to where I live 5 Paperwork is too complicated 6 Registration fee is too high 7 I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che 8 Fees for using this service are too high 9 No one among my friends of family saves money 10 I?m afraid it will be stolen 11 I do not trust formal financial institutions 12 I prefer to rely on my friends and family for financial services rather than formal institutions 13 The amount of money I am saving is too small to use such a service 14 Formal financial institutions are not flexible enough 15 I do not have enough money to save 16 I tried to open a savings account but I was denied 17 Other Sysmiss FL15.1. What is the main reason you do not save at a bank, MFI or on a mobile money account? Bank FL15.2. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.2. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.2. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.2. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.2. What is the main reason you do not save at a bank, MFI or on a mobile mo What is the main reason you do not save at a bank, MFI or on a mobile money account? MFI 2775 227 1 I can save through other means 2 I do not know how to open an account 3 I do not have a state ID or other required documents 4 There is no formal financial institution close to where I live 5 Paperwork is too complicated 6 Registration fee is too high 7 I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che 8 Fees for using this service are too high 9 No one among my friends of family saves money 10 I?m afraid it will be stolen 11 I do not trust formal financial institutions 12 I prefer to rely on my friends and family for financial services rather than formal institutions 13 The amount of money I am saving is too small to use such a service 14 Formal financial institutions are not flexible enough 15 I do not have enough money to save 16 I tried to open a savings account but I was denied 17 Other Sysmiss FL15.2. What is the main reason you do not save at a bank, MFI or on a mobile money account? MFI FL15.3. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.3. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.3. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.3. What is the main reason you do not save at a bank, MFI or on a mobile mo FL15.3. What is the main reason you do not save at a bank, MFI or on a mobile mo What is the main reason you do not save at a bank, MFI or on a mobile money account? MM account 2628 374 1 I can save through other means 2 I do not know how to open an account 3 I do not have a state ID or other required documents 4 There is no formal financial institution close to where I live 5 Paperwork is too complicated 6 Registration fee is too high 7 I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che 8 Fees for using this service are too high 9 No one among my friends of family saves money 10 I?m afraid it will be stolen 11 I do not trust formal financial institutions 12 I prefer to rely on my friends and family for financial services rather than formal institutions 13 The amount of money I am saving is too small to use such a service 14 Formal financial institutions are not flexible enough 15 I do not have enough money to save 16 I tried to open a savings account but I was denied 17 Other Sysmiss FL15.3. What is the main reason you do not save at a bank, MFI or on a mobile money account? MM Account FL16.1. FL16.1.Do you save for any of the following purposes? Start/expand my ow FL16.1. FL16.1.Do you save for any of the following purposes? Start/expand my ow FL16.1. FL16.1.Do you save for any of the following purposes? Start/expand my ow FL16.1. FL16.1.Do you save for any of the following purposes? Start/expand my ow FL16.1. FL16.1.Do you save for any of the following purposes? Start/expand my ow Do you save for any of the following purposes? Start/expand my own business 2011 991 1 Yes 2 No Sysmiss FL16.1. FL16.1.Do you save for any of the following purposes? Start/expand my own business FL16.2. FL16.2.Do you save for any of the following purposes? Education for myse FL16.2. FL16.2.Do you save for any of the following purposes? Education for myse FL16.2. FL16.2.Do you save for any of the following purposes? Education for myse FL16.2. FL16.2.Do you save for any of the following purposes? Education for myse FL16.2. FL16.2.Do you save for any of the following purposes? Education for myse Do you save for any of the following purposes? Education for myself 2011 991 1 Yes 2 No Sysmiss FL16.2. FL16.2.Do you save for any of the following purposes? Education for myself FL16.3. FL16.3.Do you save for any of the following purposes? Get ready for reti FL16.3. FL16.3.Do you save for any of the following purposes? Get ready for reti FL16.3. FL16.3.Do you save for any of the following purposes? Get ready for reti FL16.3. FL16.3.Do you save for any of the following purposes? Get ready for reti FL16.3. FL16.3.Do you save for any of the following purposes? Get ready for reti Do you save for any of the following purposes? Get ready for retirement 2011 991 1 Yes 2 No Sysmiss FL16.3. FL16.3.Do you save for any of the following purposes? Get ready for retirement FL16.4. FL16.4.Do you save for any of the following purposes? Buy expensive and FL16.4. FL16.4.Do you save for any of the following purposes? Buy expensive and FL16.4. FL16.4.Do you save for any of the following purposes? Buy expensive and FL16.4. FL16.4.Do you save for any of the following purposes? Buy expensive and FL16.4. FL16.4.Do you save for any of the following purposes? Buy expensive and Do you save for any of the following purposes? Buy expensive and prestigious things such as an expensive car, jewelry, designer clothes, high-end electronics, big house 2011 991 1 Yes 2 No Sysmiss FL16.4. FL16.4.Do you save for any of the following purposes? Buy expensive and prestigious things such as an expensive car, jewelry, designer clothes, high-end electronics, big house FL16.5. FL16.5.Do you save for any of the following purposes? Save as much as I FL16.5. FL16.5.Do you save for any of the following purposes? Save as much as I FL16.5. FL16.5.Do you save for any of the following purposes? Save as much as I FL16.5. FL16.5.Do you save for any of the following purposes? Save as much as I FL16.5. FL16.5.Do you save for any of the following purposes? Save as much as I Do you save for any of the following purposes? Save as much as I can 2011 991 1 Yes 2 No Sysmiss FL16.5. FL16.5.Do you save for any of the following purposes? Save as much as I can FL16.6. FL16.6.Do you save for any of the following purposes? Protect my family FL16.6. FL16.6.Do you save for any of the following purposes? Protect my family FL16.6. FL16.6.Do you save for any of the following purposes? Protect my family FL16.6. FL16.6.Do you save for any of the following purposes? Protect my family FL16.6. FL16.6.Do you save for any of the following purposes? Protect my family Do you save for any of the following purposes? Protect my family from poverty and crime 2011 991 1 Yes 2 No Sysmiss FL16.6. FL16.6.Do you save for any of the following purposes? Protect my family from poverty and crime FL16.7. FL16.7.Do you save for any of the following purposes? Protect my belongi FL16.7. FL16.7.Do you save for any of the following purposes? Protect my belongi FL16.7. FL16.7.Do you save for any of the following purposes? Protect my belongi FL16.7. FL16.7.Do you save for any of the following purposes? Protect my belongi FL16.7. FL16.7.Do you save for any of the following purposes? Protect my belongi Do you save for any of the following purposes? Protect my belongings 2011 991 1 Yes 2 No Sysmiss FL16.7. FL16.7.Do you save for any of the following purposes? Protect my belongings FL16.8. FL16.8.Do you save for any of the following purposes? Just make ends mee FL16.8. FL16.8.Do you save for any of the following purposes? Just make ends mee FL16.8. FL16.8.Do you save for any of the following purposes? Just make ends mee FL16.8. FL16.8.Do you save for any of the following purposes? Just make ends mee FL16.8. FL16.8.Do you save for any of the following purposes? Just make ends mee Do you save for any of the following purposes? Just make ends meet on a daily basis 2011 991 1 Yes 2 No Sysmiss FL16.8. FL16.8.Do you save for any of the following purposes? Just make ends meet on a daily basis FL16.9. FL16.9.Do you save for any of the following purposes? Give back to my co FL16.9. FL16.9.Do you save for any of the following purposes? Give back to my co FL16.9. FL16.9.Do you save for any of the following purposes? Give back to my co FL16.9. FL16.9.Do you save for any of the following purposes? Give back to my co FL16.9. FL16.9.Do you save for any of the following purposes? Give back to my co Do you save for any of the following purposes? Give back to my community by giving out money, creating a charitable organization (including orphanage, senior home, free school, etc.), or creating jobs 2011 991 1 Yes 2 No Sysmiss FL16.9. FL16.9.Do you save for any of the following purposes? Give back to my community by giving out money, creating a charitable organization (including orphanage, senior home, free school, etc.), or creating jobs FL16.10. FL16.10.Do you save for any of the following purposes? Build children?s FL16.10. FL16.10.Do you save for any of the following purposes? Build children?s FL16.10. FL16.10.Do you save for any of the following purposes? Build children?s FL16.10. FL16.10.Do you save for any of the following purposes? Build children?s FL16.10. FL16.10.Do you save for any of the following purposes? Build children?s Do you save for any of the following purposes? Build children’s fund for education 2011 991 1 Yes 2 No Sysmiss FL16.10. FL16.10.Do you save for any of the following purposes? Build children?s fund for education FL16.11. FL16.11.Do you save for any of the following purposes? Build children?s FL16.11. FL16.11.Do you save for any of the following purposes? Build children?s FL16.11. FL16.11.Do you save for any of the following purposes? Build children?s FL16.11. FL16.11.Do you save for any of the following purposes? Build children?s FL16.11. FL16.11.Do you save for any of the following purposes? Build children?s Do you save for any of the following purposes? Build children’s fund for wedding (the ceremony and/or dowry) 2011 991 1 Yes 2 No Sysmiss FL16.11. FL16.11.Do you save for any of the following purposes? Build children?s fund for wedding (the ceremony and/or dowry) FL16.12. FL16.12.Do you save for any of the following purposes? Other FL16.12. FL16.12.Do you save for any of the following purposes? Other FL16.12. FL16.12.Do you save for any of the following purposes? Other FL16.12. FL16.12.Do you save for any of the following purposes? Other FL16.12. FL16.12.Do you save for any of the following purposes? Other Do you save for any of the following purposes? Other (Specify) 2011 991 1 Yes 2 No Sysmiss FL16.13. FL16.13.Do you save for any of the following purposes? DK/Refused FL16.13. FL16.13.Do you save for any of the following purposes? DK/Refused FL16.13. FL16.13.Do you save for any of the following purposes? DK/Refused FL16.13. FL16.13.Do you save for any of the following purposes? DK/Refused FL16.13. FL16.13.Do you save for any of the following purposes? DK/Refused Do you save for any of the following purposes? DK/Refused 2011 991 1 Yes 2 No Sysmiss FL17.1. Do you have insurance to cover for any of the following? Medical FL17.1. Do you have insurance to cover for any of the following? Medical FL17.1. Do you have insurance to cover for any of the following? Medical FL17.1. Do you have insurance to cover for any of the following? Medical FL17.1. Do you have insurance to cover for any of the following? Medical Do you have insurance to cover for any of the following? Medical 3002 1 Yes 2 No FL17A.1. Is this insurance provided by a mobile network operator? Medical FL17A.1. Is this insurance provided by a mobile network operator? Medical FL17A.1. Is this insurance provided by a mobile network operator? Medical FL17A.1. Is this insurance provided by a mobile network operator? Medical FL17A.1. Is this insurance provided by a mobile network operator? Medical Is this insurance provided by a mobile network operator? Medical 1891 1111 1 Yes 2 No Sysmiss FL17B.1. Is this insurance free of charge or do you pay for it? Medical FL17B.1. Is this insurance free of charge or do you pay for it? Medical FL17B.1. Is this insurance free of charge or do you pay for it? Medical FL17B.1. Is this insurance free of charge or do you pay for it? Medical FL17B.1. Is this insurance free of charge or do you pay for it? Medical Is this insurance free of charge or do you pay for it? Medical 1891 1111 1 It?s free 2 I pay for it 3 DK/Refused Sysmiss FL17.2. Do you have insurance to cover for any of the following? Life FL17.2. Do you have insurance to cover for any of the following? Life FL17.2. Do you have insurance to cover for any of the following? Life FL17.2. Do you have insurance to cover for any of the following? Life FL17.2. Do you have insurance to cover for any of the following? Life Do you have insurance to cover for any of the following? Life 3002 1 Yes 2 No FL17A.2. Is this insurance provided by a mobile network operator? Life FL17A.2. Is this insurance provided by a mobile network operator? Life FL17A.2. Is this insurance provided by a mobile network operator? Life FL17A.2. Is this insurance provided by a mobile network operator? Life FL17A.2. Is this insurance provided by a mobile network operator? Life Is this insurance provided by a mobile network operator? Life 106 2896 1 Yes 2 No Sysmiss FL17B.2. Is this insurance free of charge or do you pay for it? Life FL17B.2. Is this insurance free of charge or do you pay for it? Life FL17B.2. Is this insurance free of charge or do you pay for it? Life FL17B.2. Is this insurance free of charge or do you pay for it? Life FL17B.2. Is this insurance free of charge or do you pay for it? Life Is this insurance free of charge or do you pay for it? Life 106 2896 1 It?s free 2 I pay for it 3 DK/Refused Sysmiss FL17.3. Do you have insurance to cover for any of the following? Car FL17.3. Do you have insurance to cover for any of the following? Car FL17.3. Do you have insurance to cover for any of the following? Car FL17.3. Do you have insurance to cover for any of the following? Car FL17.3. Do you have insurance to cover for any of the following? Car Do you have insurance to cover for any of the following? Car 3002 1 Yes 2 No FL17A.3. Is this insurance provided by a mobile network operator? Car FL17A.3. Is this insurance provided by a mobile network operator? Car FL17A.3. Is this insurance provided by a mobile network operator? Car FL17A.3. Is this insurance provided by a mobile network operator? Car FL17A.3. Is this insurance provided by a mobile network operator? Car Is this insurance provided by a mobile network operator? Car 57 2945 1 Yes 2 No Sysmiss FL17B.3. Is this insurance free of charge or do you pay for it? Car FL17B.3. Is this insurance free of charge or do you pay for it? Car FL17B.3. Is this insurance free of charge or do you pay for it? Car FL17B.3. Is this insurance free of charge or do you pay for it? Car FL17B.3. Is this insurance free of charge or do you pay for it? Car Is this insurance free of charge or do you pay for it? Car 57 2945 1 It?s free 2 I pay for it 3 DK/Refused Sysmiss FL17.4. Do you have insurance to cover for any of the following? Agriculture FL17.4. Do you have insurance to cover for any of the following? Agriculture FL17.4. Do you have insurance to cover for any of the following? Agriculture FL17.4. Do you have insurance to cover for any of the following? Agriculture FL17.4. Do you have insurance to cover for any of the following? Agriculture Do you have insurance to cover for any of the following? Agriculture 3002 1 Yes 2 No FL17A.4. Is this insurance provided by a mobile network operator? Agriculture FL17A.4. Is this insurance provided by a mobile network operator? Agriculture FL17A.4. Is this insurance provided by a mobile network operator? Agriculture FL17A.4. Is this insurance provided by a mobile network operator? Agriculture FL17A.4. Is this insurance provided by a mobile network operator? Agriculture Is this insurance provided by a mobile network operator? Agriculture 15 2987 1 Yes 2 No Sysmiss FL17B.4. Is this insurance free of charge or do you pay for it? Agriculture FL17B.4. Is this insurance free of charge or do you pay for it? Agriculture FL17B.4. Is this insurance free of charge or do you pay for it? Agriculture FL17B.4. Is this insurance free of charge or do you pay for it? Agriculture FL17B.4. Is this insurance free of charge or do you pay for it? Agriculture Is this insurance free of charge or do you pay for it? Agriculture 15 2987 1 It?s free 2 I pay for it 3 DK/Refused Sysmiss FL17.5. Do you have insurance to cover for any of the following? House/property FL17.5. Do you have insurance to cover for any of the following? House/property FL17.5. Do you have insurance to cover for any of the following? House/property FL17.5. Do you have insurance to cover for any of the following? House/property FL17.5. Do you have insurance to cover for any of the following? House/property Do you have insurance to cover for any of the following? House/property 3002 1 Yes 2 No FL17A.5. Is this insurance provided by a mobile network operator? House/property FL17A.5. Is this insurance provided by a mobile network operator? House/property FL17A.5. Is this insurance provided by a mobile network operator? House/property FL17A.5. Is this insurance provided by a mobile network operator? House/property FL17A.5. Is this insurance provided by a mobile network operator? House/property Is this insurance provided by a mobile network operator? House/property 28 2974 1 Yes 2 No Sysmiss FL17B.5. Is this insurance free of charge or do you pay for it? House/property FL17B.5. Is this insurance free of charge or do you pay for it? House/property FL17B.5. Is this insurance free of charge or do you pay for it? House/property FL17B.5. Is this insurance free of charge or do you pay for it? House/property FL17B.5. Is this insurance free of charge or do you pay for it? House/property Is this insurance free of charge or do you pay for it? House/property 28 2974 1 It?s free 2 I pay for it 3 DK/Refused Sysmiss FL17.6. Do you have insurance to cover for any of the following? Unemployment/in FL17.6. Do you have insurance to cover for any of the following? Unemployment/in FL17.6. Do you have insurance to cover for any of the following? Unemployment/in FL17.6. Do you have insurance to cover for any of the following? Unemployment/in FL17.6. Do you have insurance to cover for any of the following? Unemployment/in Do you have insurance to cover for any of the following? Unemployment/income protection 3002 1 Yes 2 No FL17.6. Do you have insurance to cover for any of the following? Unemployment/income protection FL17A.6. Is this insurance provided by a mobile network operator? Unemployment/i FL17A.6. Is this insurance provided by a mobile network operator? Unemployment/i FL17A.6. Is this insurance provided by a mobile network operator? Unemployment/i FL17A.6. Is this insurance provided by a mobile network operator? Unemployment/i FL17A.6. Is this insurance provided by a mobile network operator? Unemployment/i Is this insurance provided by a mobile network operator? Unemployment/income protection 12 2990 1 Yes 2 No Sysmiss FL17A.6. Is this insurance provided by a mobile network operator? Unemployment/income protection FL17B.6. Is this insurance free of charge or do you pay for it? Unemployment/inc FL17B.6. Is this insurance free of charge or do you pay for it? Unemployment/inc FL17B.6. Is this insurance free of charge or do you pay for it? Unemployment/inc FL17B.6. Is this insurance free of charge or do you pay for it? Unemployment/inc FL17B.6. Is this insurance free of charge or do you pay for it? Unemployment/inc Is this insurance free of charge or do you pay for it? Unemployment/income protection 12 2990 1 It?s free 2 I pay for it 3 DK/Refused Sysmiss FL17B.6. Is this insurance free of charge or do you pay for it? Unemployment/income protection FL17.7. Do you have insurance to cover for any of the following? Other FL17.7. Do you have insurance to cover for any of the following? Other FL17.7. Do you have insurance to cover for any of the following? Other FL17.7. Do you have insurance to cover for any of the following? Other FL17.7. Do you have insurance to cover for any of the following? Other Do you have insurance to cover for any of the following? Other (Specify) 3002 1 Yes 2 No FL17A.7. Is this insurance provided by a mobile network operator? Other FL17A.7. Is this insurance provided by a mobile network operator? Other FL17A.7. Is this insurance provided by a mobile network operator? Other FL17A.7. Is this insurance provided by a mobile network operator? Other FL17A.7. Is this insurance provided by a mobile network operator? Other Is this insurance provided by a mobile network operator? Other (Specify) 6 2996 1 Yes 2 No Sysmiss FL17B.7. Is this insurance free of charge or do you pay for it? Other FL17B.7. Is this insurance free of charge or do you pay for it? Other FL17B.7. Is this insurance free of charge or do you pay for it? Other FL17B.7. Is this insurance free of charge or do you pay for it? Other FL17B.7. Is this insurance free of charge or do you pay for it? Other Is this insurance free of charge or do you pay for it? Other (Specify) 6 2996 1 It?s free 2 I pay for it 3 DK/Refused Sysmiss FL17.8. Do you have insurance to cover for any of the following? DK/Refused FL17.8. Do you have insurance to cover for any of the following? DK/Refused FL17.8. Do you have insurance to cover for any of the following? DK/Refused FL17.8. Do you have insurance to cover for any of the following? DK/Refused FL17.8. Do you have insurance to cover for any of the following? DK/Refused Do you have insurance to cover for any of the following? DK/Refused 3002 1 Yes 2 No FL18.1. Do you invest in any of the following? Your own business FL18.1. Do you invest in any of the following? Your own business FL18.1. Do you invest in any of the following? Your own business FL18.1. Do you invest in any of the following? Your own business FL18.1. Do you invest in any of the following? Your own business Do you invest in any of the following? Your own business 3002 1 Yes 2 No FL18.2. Do you invest in any of the following? Other people?s business (your nei FL18.2. Do you invest in any of the following? Other people?s business (your nei FL18.2. Do you invest in any of the following? Other people?s business (your nei FL18.2. Do you invest in any of the following? Other people?s business (your nei FL18.2. Do you invest in any of the following? Other people?s business (your nei Do you invest in any of the following? Other people’s business (your neighbors, friends, relatives) 3002 1 Yes 2 No FL18.2. Do you invest in any of the following? Other people?s business (your neighbors, friends, relatives) FL18.3. Do you invest in any of the following? Assets, such as real estate, land FL18.3. Do you invest in any of the following? Assets, such as real estate, land FL18.3. Do you invest in any of the following? Assets, such as real estate, land FL18.3. Do you invest in any of the following? Assets, such as real estate, land FL18.3. Do you invest in any of the following? Assets, such as real estate, land Do you invest in any of the following? Assets, such as real estate, land, precious metals, gemstones, art, etc. 3002 1 Yes 2 No FL18.3. Do you invest in any of the following? Assets, such as real estate, land, precious metals, gemstones, art, etc. FL18.4. Do you invest in any of the following? Buy shares of foreign enterprises FL18.4. Do you invest in any of the following? Buy shares of foreign enterprises FL18.4. Do you invest in any of the following? Buy shares of foreign enterprises FL18.4. Do you invest in any of the following? Buy shares of foreign enterprises FL18.4. Do you invest in any of the following? Buy shares of foreign enterprises Do you invest in any of the following? Buy shares of foreign enterprises (e.g., Coke Cola, Toyota, etc.) 3002 1 Yes 2 No FL18.4. Do you invest in any of the following? Buy shares of foreign enterprises (e.g., Coke Cola, Toyota, etc.) FL18.5. Do you invest in any of the following? Buy shares of local enterprises ( FL18.5. Do you invest in any of the following? Buy shares of local enterprises ( FL18.5. Do you invest in any of the following? Buy shares of local enterprises ( FL18.5. Do you invest in any of the following? Buy shares of local enterprises ( FL18.5. Do you invest in any of the following? Buy shares of local enterprises ( Do you invest in any of the following? Buy shares of local enterprises (e.g., BRALIRWA, Bank of Kigali, Kenya Commercial Bank, Kobil and Engen) 3002 1 Yes 2 No FL18.5. Do you invest in any of the following? Buy shares of local enterprises (e.g.,Safaricom,Kenya Airways,Kengens companies) FL18.6. Do you invest in any of the following? Buy government bonds FL18.6. Do you invest in any of the following? Buy government bonds FL18.6. Do you invest in any of the following? Buy government bonds FL18.6. Do you invest in any of the following? Buy government bonds FL18.6. Do you invest in any of the following? Buy government bonds Do you invest in any of the following? Buy government bonds 3002 1 Yes 2 No FL18.7. Do you invest in any of the following? Other FL18.7. Do you invest in any of the following? Other FL18.7. Do you invest in any of the following? Other FL18.7. Do you invest in any of the following? Other FL18.7. Do you invest in any of the following? Other Do you invest in any of the following? Other (Specify) 3002 1 Yes 2 No FL18.8. Do you invest in any of the following? DK/Refused FL18.8. Do you invest in any of the following? DK/Refused FL18.8. Do you invest in any of the following? DK/Refused FL18.8. Do you invest in any of the following? DK/Refused FL18.8. Do you invest in any of the following? DK/Refused Do you invest in any of the following? DK/Refused 3002 1 Yes 2 No FL19. Imagine you have 100 GHS and you have to divide it among 5 people. How muc FL19. Imagine you have 100 GHS and you have to divide it among 5 people. How muc FL19. Imagine you have 100 GHS and you have to divide it among 5 people. How muc FL19. Imagine you have 100 GHS and you have to divide it among 5 people. How muc FL19. Imagine you have 100 GHS and you have to divide it among 5 people. How muc Now, I would like you to answer several questions that require some calculations. Please, do not be concerned - this is not a test. We just want to see if you understand some of the issues related to budgeting your income and making choices related to money. Imagine you have 100 GHS and you have to divide it among 5 people. How much money will each person receive if you divide it equally? 3002 1 20 GHS 2 Any other answer 3 DK/Refused FL19. Imagine you have 100 GHS and you have to divide it among 5 people. How much money will each person receive if you divide it equally? FL20. Imagine you have 100 GHS in your savings account. Your account is earning FL20. Imagine you have 100 GHS in your savings account. Your account is earning FL20. Imagine you have 100 GHS in your savings account. Your account is earning FL20. Imagine you have 100 GHS in your savings account. Your account is earning FL20. Imagine you have 100 GHS in your savings account. Your account is earning Now, I would like you to answer several questions that require some calculations. Please, do not be concerned - this is not a test. We just want to see if you understand some of the issues related to budgeting your income and making choices related to money. Imagine you have 100 GHS in your savings account. Your account is earning 2% interest every year. How much money will you have on your account in 5 years if you do not withdraw anything during that period? 3002 1 More than 100 GHS 2 Less than 100 GHS 3 Exactly 100 GHS 4 DK/Refused FL20. Imagine you have 100 GHS in your savings account. Your account is earning 2% interest every year. How much money will you have on your account in 5 years if you do not withdraw anything during that period? FL21. Imagine you took a loan of 100 GHS and you have to pay a fee of 2% each mo FL21. Imagine you took a loan of 100 GHS and you have to pay a fee of 2% each mo FL21. Imagine you took a loan of 100 GHS and you have to pay a fee of 2% each mo FL21. Imagine you took a loan of 100 GHS and you have to pay a fee of 2% each mo FL21. Imagine you took a loan of 100 GHS and you have to pay a fee of 2% each mo Now, I would like you to answer several questions that require some calculations. Please, do not be concerned - this is not a test. We just want to see if you understand some of the issues related to budgeting your income and making choices related to money. Now, imagine you took a loan of 100 GHS and you have to pay a fee of 2% each month until you fully repay it. How much total money will have to repay in 1 full year (12 months)? 3002 1 More than 100 GHS 2 Less than 100 GHS 3 Exactly 100 GHS 4 DK/Refused FL21. Imagine you took a loan of 100 GHS and you have to pay a fee of 2% each month until you fully repay it. How much total money will have to repay in 1 full year (12 months)? FL22. Imagine you have 100 GHS worth of investment, which earn you 3% interest e FL22. Imagine you have 100 GHS worth of investment, which earn you 3% interest e FL22. Imagine you have 100 GHS worth of investment, which earn you 3% interest e FL22. Imagine you have 100 GHS worth of investment, which earn you 3% interest e FL22. Imagine you have 100 GHS worth of investment, which earn you 3% interest e Now, I would like you to answer several questions that require some calculations. Please, do not be concerned - this is not a test. We just want to see if you understand some of the issues related to budgeting your income and making choices related to money. Finally, imagine you have 100 GHS worth of investment, which earn you 3% interest every year. The inflation is 3.5% a year. How much total money will you have in 2 years? 3002 1 More than 100 GHS 2 Less than 100 GHS 3 Exactly 100 GHS 4 DK/Refused FL22. Imagine you have 100 GHS worth of investment, which earn you 3% interest every year. The inflation is 3.5% a year. How much total money will you have in 2 years? FL23.1. Does your family have a plan to manage the unexpected expenses, which mi FL23.1. Does your family have a plan to manage the unexpected expenses, which mi FL23.1. Does your family have a plan to manage the unexpected expenses, which mi FL23.1. Does your family have a plan to manage the unexpected expenses, which mi FL23.1. Does your family have a plan to manage the unexpected expenses, which mi Does your family have a plan to manage the unexpected expenses, which might result from the following? Loss of a house due to fire, flood or another natural disaster 3002 1 Yes 2 No 3 DK/Refused FL23.1. Does your family have a plan to manage the unexpected expenses, which might result from the following? Loss of a house due to fire, flood or another natural disaster FL23.2. Does your family have a plan to manage the unexpected expenses, which mi FL23.2. Does your family have a plan to manage the unexpected expenses, which mi FL23.2. Does your family have a plan to manage the unexpected expenses, which mi FL23.2. Does your family have a plan to manage the unexpected expenses, which mi FL23.2. Does your family have a plan to manage the unexpected expenses, which mi Does your family have a plan to manage the unexpected expenses, which might result from the following? Major medical emergency, including illness, injury and childbirth 3002 1 Yes 2 No 3 DK/Refused FL23.2. Does your family have a plan to manage the unexpected expenses, which might result from the following? Major medical emergency, including illness, injury and childbirth FL23.3. Does your family have a plan to manage the unexpected expenses, which mi FL23.3. Does your family have a plan to manage the unexpected expenses, which mi FL23.3. Does your family have a plan to manage the unexpected expenses, which mi FL23.3. Does your family have a plan to manage the unexpected expenses, which mi FL23.3. Does your family have a plan to manage the unexpected expenses, which mi Does your family have a plan to manage the unexpected expenses, which might result from the following? Bankruptcy/loss of a job or a business 3002 1 Yes 2 No 3 DK/Refused FL23.3. Does your family have a plan to manage the unexpected expenses, which might result from the following? Bankruptcy/loss of a job or a business FL23.4. Does your family have a plan to manage the unexpected expenses, which mi FL23.4. Does your family have a plan to manage the unexpected expenses, which mi FL23.4. Does your family have a plan to manage the unexpected expenses, which mi FL23.4. Does your family have a plan to manage the unexpected expenses, which mi FL23.4. Does your family have a plan to manage the unexpected expenses, which mi Does your family have a plan to manage the unexpected expenses, which might result from the following? Loss of harvest or livestock due to weather conditions or a disease 3002 1 Yes 2 No 3 DK/Refused FL23.4. Does your family have a plan to manage the unexpected expenses, which might result from the following? Loss of harvest or livestock due to weather conditions or a disease FL23.5. Does your family have a plan to manage the unexpected expenses, which mi FL23.5. Does your family have a plan to manage the unexpected expenses, which mi FL23.5. Does your family have a plan to manage the unexpected expenses, which mi FL23.5. Does your family have a plan to manage the unexpected expenses, which mi FL23.5. Does your family have a plan to manage the unexpected expenses, which mi Does your family have a plan to manage the unexpected expenses, which might result from the following? Loss of property due to theft or burglary 3002 1 Yes 2 No 3 DK/Refused FL23.5. Does your family have a plan to manage the unexpected expenses, which might result from the following? Loss of property due to theft or burglary FL23.6. Does your family have a plan to manage the unexpected expenses, which mi FL23.6. Does your family have a plan to manage the unexpected expenses, which mi FL23.6. Does your family have a plan to manage the unexpected expenses, which mi FL23.6. Does your family have a plan to manage the unexpected expenses, which mi FL23.6. Does your family have a plan to manage the unexpected expenses, which mi Does your family have a plan to manage the unexpected expenses, which might result from the following? Death in the family 3002 1 Yes 2 No 3 DK/Refused FL23.6. Does your family have a plan to manage the unexpected expenses, which might result from the following? Death in the family TDL1. What is the primary reason you don?t have your own phone and do not use a TDL1. What is the primary reason you don?t have your own phone and do not use a TDL1. What is the primary reason you don?t have your own phone and do not use a TDL1. What is the primary reason you don?t have your own phone and do not use a TDL1. What is the primary reason you don?t have your own phone and do not use a What is the primary reason you don't have your own phone and do not use a phone that belongs to someone else? 105 2897 1 It?s too expensive 2 I am not permitted to 3 I have no need for one/no one to call 4 It is too difficult/complex to use 5 I don?t know how to get one 6 Other 7 DK/Refused Sysmiss TDL1. What is the primary reason you don?t have your own phone and do not use a phone that belongs to someone else? TDL4.1. Tell me how easy or difficult it is for you to understand the following TDL4.1. Tell me how easy or difficult it is for you to understand the following TDL4.1. Tell me how easy or difficult it is for you to understand the following TDL4.1. Tell me how easy or difficult it is for you to understand the following TDL4.1. Tell me how easy or difficult it is for you to understand the following Please, tell me how easy or difficult it is for you to understand the following types of text messages? Text messages from friends and family 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL4.1. Tell me how easy or difficult it is for you to understand the following types of text messages? Text messages from friends and family TDL4.2. Tell me how easy or difficult it is for you to understand the following TDL4.2. Tell me how easy or difficult it is for you to understand the following TDL4.2. Tell me how easy or difficult it is for you to understand the following TDL4.2. Tell me how easy or difficult it is for you to understand the following TDL4.2. Tell me how easy or difficult it is for you to understand the following Please, tell me how easy or difficult it is for you to understand the following types of text messages? Official notifications, for example messages from the government or government agencies 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL4.2. Tell me how easy or difficult it is for you to understand the following types of text messages? Official notifications, for example messages from the government or government agencies TDL4.3. Tell me how easy or difficult it is for you to understand the following TDL4.3. Tell me how easy or difficult it is for you to understand the following TDL4.3. Tell me how easy or difficult it is for you to understand the following TDL4.3. Tell me how easy or difficult it is for you to understand the following TDL4.3. Tell me how easy or difficult it is for you to understand the following Please, tell me how easy or difficult it is for you to understand the following types of text messages? Text messages from Mobile Network Operators/Mobile phone provider 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL4.3. Tell me how easy or difficult it is for you to understand the following types of text messages? Text messages from Mobile Network Operators/Mobile phone provider TDL4.4. Tell me how easy or difficult it is for you to understand the following TDL4.4. Tell me how easy or difficult it is for you to understand the following TDL4.4. Tell me how easy or difficult it is for you to understand the following TDL4.4. Tell me how easy or difficult it is for you to understand the following TDL4.4. Tell me how easy or difficult it is for you to understand the following Please, tell me how easy or difficult it is for you to understand the following types of text messages? Text messages from Mobile Money services such as (brand examples per the local market) 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL4.4. Tell me how easy or difficult it is for you to understand the following types of text messages? Text messages from Mobile Money services such as MTN Mobile Money, Tigo Cash or Airtel Money TDL5.1. Please, tell me how easy or difficult it is for you to understand text m TDL5.1. Please, tell me how easy or difficult it is for you to understand text m TDL5.1. Please, tell me how easy or difficult it is for you to understand text m TDL5.1. Please, tell me how easy or difficult it is for you to understand text m TDL5.1. Please, tell me how easy or difficult it is for you to understand text m Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in only English 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.1. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in only English TDL5.2. Please, tell me how easy or difficult it is for you to understand text m TDL5.2. Please, tell me how easy or difficult it is for you to understand text m TDL5.2. Please, tell me how easy or difficult it is for you to understand text m TDL5.2. Please, tell me how easy or difficult it is for you to understand text m TDL5.2. Please, tell me how easy or difficult it is for you to understand text m Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where English is mixed with Twi 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.2. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where English is mixed with Twi TDL5.3. Please, tell me how easy or difficult it is for you to understand text m TDL5.3. Please, tell me how easy or difficult it is for you to understand text m TDL5.3. Please, tell me how easy or difficult it is for you to understand text m TDL5.3. Please, tell me how easy or difficult it is for you to understand text m TDL5.3. Please, tell me how easy or difficult it is for you to understand text m Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Twi only 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.3. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Twi only TDL5.4. Please, tell me how easy or difficult it is for you to understand text m TDL5.4. Please, tell me how easy or difficult it is for you to understand text m TDL5.4. Please, tell me how easy or difficult it is for you to understand text m TDL5.4. Please, tell me how easy or difficult it is for you to understand text m TDL5.4. Please, tell me how easy or difficult it is for you to understand text m Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where English is mixed with Ga 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.4. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where English is mixed with Ga TDL5.5. Please, tell me how easy or difficult it is for you to understand text m TDL5.5. Please, tell me how easy or difficult it is for you to understand text m TDL5.5. Please, tell me how easy or difficult it is for you to understand text m TDL5.5. Please, tell me how easy or difficult it is for you to understand text m TDL5.5. Please, tell me how easy or difficult it is for you to understand text m Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Ga only 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.5. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Ga only TDL5.6. Please, tell me how easy or difficult it is for you to understand text m TDL5.6. Please, tell me how easy or difficult it is for you to understand text m TDL5.6. Please, tell me how easy or difficult it is for you to understand text m TDL5.6. Please, tell me how easy or difficult it is for you to understand text m TDL5.6. Please, tell me how easy or difficult it is for you to understand text m Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where English is mixed with Ewe 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.6. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where English is mixed with Ewe TDL5.7. Please, tell me how easy or difficult it is for you to understand text m TDL5.7. Please, tell me how easy or difficult it is for you to understand text m TDL5.7. Please, tell me how easy or difficult it is for you to understand text m TDL5.7. Please, tell me how easy or difficult it is for you to understand text m TDL5.7. Please, tell me how easy or difficult it is for you to understand text m Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Ewe only 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.7. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Ewe only TDL5.8. Please, tell me how easy or difficult it is for you to understand text m TDL5.8. Please, tell me how easy or difficult it is for you to understand text m TDL5.8. Please, tell me how easy or difficult it is for you to understand text m TDL5.8. Please, tell me how easy or difficult it is for you to understand text m TDL5.8. Please, tell me how easy or difficult it is for you to understand text m Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where English is mixed with Dagbani 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.8. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where English is mixed with Dagbani TDL5.9. Please, tell me how easy or difficult it is for you to understand text m TDL5.9. Please, tell me how easy or difficult it is for you to understand text m TDL5.9. Please, tell me how easy or difficult it is for you to understand text m TDL5.9. Please, tell me how easy or difficult it is for you to understand text m TDL5.9. Please, tell me how easy or difficult it is for you to understand text m Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Dagbani only 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.9. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Dagbani only TDL5.10. Please, tell me how easy or difficult it is for you to understand text TDL5.10. Please, tell me how easy or difficult it is for you to understand text TDL5.10. Please, tell me how easy or difficult it is for you to understand text TDL5.10. Please, tell me how easy or difficult it is for you to understand text TDL5.10. Please, tell me how easy or difficult it is for you to understand text Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in other (Specify) 2897 105 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 Not applicable, don?t receive such messages 6 DK/Refused Sysmiss TDL5.10. Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Other TDL6A. Who first taught you how to use mobile money services? TDL6A. Who first taught you how to use mobile money services? TDL6A. Who first taught you how to use mobile money services? TDL6A. Who first taught you how to use mobile money services? TDL6A. Who first taught you how to use mobile money services? Who first taught you how to use mobile money services? 908 2094 1 Family members in this household 2 Family member in another household 3 Other relative 4 Workmate or a business partner 5 Neighbor, not a relative 6 Mobile Operator?s employee (not an agent) 7 Mobile money promoter (not an agent) 8 Mobile money agent 9 Friend 10 Mobile money provider help line 11 Other 12 Nobody taught me, I learned myself Sysmiss TDL6B. Which of the following statements best describes how your first learning TDL6B. Which of the following statements best describes how your first learning TDL6B. Which of the following statements best describes how your first learning TDL6B. Which of the following statements best describes how your first learning TDL6B. Which of the following statements best describes how your first learning You said you were taught to use mobile money by (READ THE ANSWER FROM TDL6a). Which of the following statements best describes how your first learning was set up? 620 2382 1 A one-on-one session with just you and your educator 2 A group session with people you knew before, i.e. your savings group members, your colleagues, your classmates, people f 3 A group session with people you never met before, a random group of people 4 A group session with people you knew before and then a follow up one-on-one session with you and your educator 5 A group session with people you never met before and then a follow up one-on-one session with you and your educator 6 Other 7 DK/Refused Sysmiss TDL6B. Which of the following statements best describes how your first learning was set up? TDL7.1. Have you ever done the following activities related to the use of mobile TDL7.1. Have you ever done the following activities related to the use of mobile TDL7.1. Have you ever done the following activities related to the use of mobile TDL7.1. Have you ever done the following activities related to the use of mobile TDL7.1. Have you ever done the following activities related to the use of mobile Have you ever done the following activities related to the use of mobile money services by yourself? Open a mobile money menu 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.1. Have you ever done the following activities related to the use of mobile money services by yourself? Open an mobile money menu TDL8.1. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.1. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.1. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.1. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.1. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Open a mobile money menu 456 2546 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.1. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Open an mobile money menu TDL7.2. Have you ever done the following activities related to the use of mobile TDL7.2. Have you ever done the following activities related to the use of mobile TDL7.2. Have you ever done the following activities related to the use of mobile TDL7.2. Have you ever done the following activities related to the use of mobile TDL7.2. Have you ever done the following activities related to the use of mobile Have you ever done the following activities related to the use of mobile money services by yourself? Find a particular menu option, for example, an option for a money transfer 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.2. Have you ever done the following activities related to the use of mobile money services by yourself? Find a particular menu option, for example, an option for a money transfer TDL8.2. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.2. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.2. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.2. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.2. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Find a particular menu option, for example, an option for a money transfer 394 2608 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.2. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Find a particular menu option, for example, an option for a money trans TDL7.3. Have you ever done the following activities related to the use of mobile TDL7.3. Have you ever done the following activities related to the use of mobile TDL7.3. Have you ever done the following activities related to the use of mobile TDL7.3. Have you ever done the following activities related to the use of mobile TDL7.3. Have you ever done the following activities related to the use of mobile Have you ever done the following activities related to the use of mobile money services by yourself? Initiate a transaction 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.3. Have you ever done the following activities related to the use of mobile money services by yourself? Initiate a transaction TDL8.3. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.3. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.3. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.3. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.3. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Initiate a transaction 365 2637 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.3. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Initiate a transaction TDL7.4. Have you ever done the following activities related to the use of mobile TDL7.4. Have you ever done the following activities related to the use of mobile TDL7.4. Have you ever done the following activities related to the use of mobile TDL7.4. Have you ever done the following activities related to the use of mobile TDL7.4. Have you ever done the following activities related to the use of mobile Have you ever done the following activities related to the use of mobile money services by yourself? Complete a transaction 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.4. Have you ever done the following activities related to the use of mobile money services by yourself? Complete a transaction TDL8.4. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.4. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.4. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.4. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.4. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Complete a transaction 367 2635 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.4. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Complete a transaction TDL7.5. Have you ever done the following activities related to the use of mobile TDL7.5. Have you ever done the following activities related to the use of mobile TDL7.5. Have you ever done the following activities related to the use of mobile TDL7.5. Have you ever done the following activities related to the use of mobile TDL7.5. Have you ever done the following activities related to the use of mobile Have you ever done the following activities related to the use of mobile money services by yourself? Go back to the main menu after a transaction 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.5. Have you ever done the following activities related to the use of mobile money services by yourself? Go back to the main menu after a transaction TDL8.5. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.5. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.5. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.5. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.5. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Go back to the main menu after a transaction 351 2651 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.5. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Go back to the main menu after a transaction TDL7.6. Have you ever done the following activities related to the use of mobile TDL7.6. Have you ever done the following activities related to the use of mobile TDL7.6. Have you ever done the following activities related to the use of mobile TDL7.6. Have you ever done the following activities related to the use of mobile TDL7.6. Have you ever done the following activities related to the use of mobile Have you ever done the following activities related to the use of mobile money services by yourself? Correct a typo in the amount or phone number for a transaction recipient 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.6. Have you ever done the following activities related to the use of mobile money services by yourself? Correct a typo in the amount or phone number for a transaction recipient TDL8.6. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.6. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.6. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.6. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.6. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Correct a typo in the amount or phone number for a transaction recipient 252 2750 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.6. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Correct a typo in the amount or phone number for a transaction recipien TDL7.7. Have you ever done the following activities related to the use of mobile TDL7.7. Have you ever done the following activities related to the use of mobile TDL7.7. Have you ever done the following activities related to the use of mobile TDL7.7. Have you ever done the following activities related to the use of mobile TDL7.7. Have you ever done the following activities related to the use of mobile Have you ever done the following activities related to the use of mobile money services by yourself? Reverse or cancel a transaction 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.7. Have you ever done the following activities related to the use of mobile money services by yourself? Reverse or cancel a transaction TDL8.7. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.7. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.7. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.7. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.7. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Reverse or cancel a transaction 273 2729 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.7. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Reverse or cancel a transaction TDL7.8. Have you ever done the following activities related to the use of mobile TDL7.8. Have you ever done the following activities related to the use of mobile TDL7.8. Have you ever done the following activities related to the use of mobile TDL7.8. Have you ever done the following activities related to the use of mobile TDL7.8. Have you ever done the following activities related to the use of mobile Have you ever done the following activities related to the use of mobile money services by yourself? Sending money 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.8. Have you ever done the following activities related to the use of mobile money services by yourself? Sending money TDL8.8. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.8. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.8. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.8. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.8. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Sending money 357 2645 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.8. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Sending money TDL7.9. Have you ever done the following activities related to the use of mobile TDL7.9. Have you ever done the following activities related to the use of mobile TDL7.9. Have you ever done the following activities related to the use of mobile TDL7.9. Have you ever done the following activities related to the use of mobile TDL7.9. Have you ever done the following activities related to the use of mobile Have you ever done the following activities related to the use of mobile money services by yourself? Receiving money 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.9. Have you ever done the following activities related to the use of mobile money services by yourself? Receiving money TDL8.9. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.9. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.9. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.9. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu TDL8.9. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Receiving money 469 2533 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.9. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Receiving money TDL7.10. Have you ever done the following activities related to the use of mobil TDL7.10. Have you ever done the following activities related to the use of mobil TDL7.10. Have you ever done the following activities related to the use of mobil TDL7.10. Have you ever done the following activities related to the use of mobil TDL7.10. Have you ever done the following activities related to the use of mobil Have you ever done the following activities related to the use of mobile money services by yourself? Depositing money 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.10. Have you ever done the following activities related to the use of mobile money services by yourself? Depositing money TDL8.10. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.10. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.10. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.10. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.10. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Depositing money 363 2639 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.10. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Depositing money TDL7.11. Have you ever done the following activities related to the use of mobil TDL7.11. Have you ever done the following activities related to the use of mobil TDL7.11. Have you ever done the following activities related to the use of mobil TDL7.11. Have you ever done the following activities related to the use of mobil TDL7.11. Have you ever done the following activities related to the use of mobil Have you ever done the following activities related to the use of mobile money services by yourself? Withdrawing money 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.11. Have you ever done the following activities related to the use of mobile money services by yourself? Withdrawing money TDL8.11. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.11. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.11. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.11. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.11. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Withdrawing money 438 2564 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.11. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Withdrawing money TDL7.12. Have you ever done the following activities related to the use of mobil TDL7.12. Have you ever done the following activities related to the use of mobil TDL7.12. Have you ever done the following activities related to the use of mobil TDL7.12. Have you ever done the following activities related to the use of mobil TDL7.12. Have you ever done the following activities related to the use of mobil Have you ever done the following activities related to the use of mobile money services by yourself? Buying airtime 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.12. Have you ever done the following activities related to the use of mobile money services by yourself? Buying airtime TDL8.12. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.12. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.12. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.12. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.12. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Buying airtime 268 2734 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.12. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Buying airtime TDL7.13. Have you ever done the following activities related to the use of mobil TDL7.13. Have you ever done the following activities related to the use of mobil TDL7.13. Have you ever done the following activities related to the use of mobil TDL7.13. Have you ever done the following activities related to the use of mobil TDL7.13. Have you ever done the following activities related to the use of mobil Have you ever done the following activities related to the use of mobile money services by yourself? Checking balance 908 2094 1 Yes 2 no 3 DK/Refused Sysmiss TDL7.13. Have you ever done the following activities related to the use of mobile money services by yourself? Checking balance TDL8.13. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.13. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.13. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.13. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic TDL8.13. On a scale from 1 (very easy) to 4 (very difficult), how easy or diffic On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Checking balance 434 2568 1 Very Easy 2 Easy 3 Difficult 4 Very difficult 5 DK/Refused Sysmiss TDL8.13. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own? Checking balance TDL9. When you experienced the difficulties that you mentioned above who do you TDL9. When you experienced the difficulties that you mentioned above who do you TDL9. When you experienced the difficulties that you mentioned above who do you TDL9. When you experienced the difficulties that you mentioned above who do you TDL9. When you experienced the difficulties that you mentioned above who do you When you experienced the difficulties that you mentioned above who do you ask for help most frequently? 50 2952 1 Spouse 2 Parent 3 Child 4 Cousin 5 Niece or nephew 6 Aunt or uncle 7 Grandparent 8 Other relative 9 Workmate or a business partner 10 Neighbor, not a relative 11 Mobile Operator?s agent/employee 12 Mobile money agent 13 Friend 14 Mobile money provider help line 15 Other 16 Don?t ask anyone, just don?t do the activity Sysmiss TDL9. When you experienced the difficulties that you mentioned above who do you ask for help most frequently? TDL10. Did you share your account details (e.g. PIN, account number) with the pe TDL10. Did you share your account details (e.g. PIN, account number) with the pe TDL10. Did you share your account details (e.g. PIN, account number) with the pe TDL10. Did you share your account details (e.g. PIN, account number) with the pe TDL10. Did you share your account details (e.g. PIN, account number) with the pe Did you share your account details (e.g. PIN, account number) with the person who helped you to conduct the transaction? 45 2957 1 Yes 2 No Sysmiss TDL10. Did you share your account details (e.g. PIN, account number) with the person who helped you to conduct the transaction? TDL11. After seeking help, is the transaction usually completed successfully? TDL11. After seeking help, is the transaction usually completed successfully? TDL11. After seeking help, is the transaction usually completed successfully? TDL11. After seeking help, is the transaction usually completed successfully? TDL11. After seeking help, is the transaction usually completed successfully? After seeking help, is the transaction usually completed successfully? 50 2952 1 Yes 2 No Sysmiss TDL12.1. How did the agent react when you asked his/her for help? Agent was frie TDL12.1. How did the agent react when you asked his/her for help? Agent was frie TDL12.1. How did the agent react when you asked his/her for help? Agent was frie TDL12.1. How did the agent react when you asked his/her for help? Agent was frie TDL12.1. How did the agent react when you asked his/her for help? Agent was frie How did the agent react when you asked his/her for help? Agent was friendly 23 2979 1 Yes 2 No Sysmiss TDL12.1. How did the agent react when you asked his/her for help? Agent was friendly TDL12.2. How did the agent react when you asked his/her for help? Agent was irri TDL12.2. How did the agent react when you asked his/her for help? Agent was irri TDL12.2. How did the agent react when you asked his/her for help? Agent was irri TDL12.2. How did the agent react when you asked his/her for help? Agent was irri TDL12.2. How did the agent react when you asked his/her for help? Agent was irri How did the agent react when you asked his/her for help? Agent was irritated 23 2979 1 Yes 2 No Sysmiss TDL12.2. How did the agent react when you asked his/her for help? Agent was irritated TDL12.3. How did the agent react when you asked his/her for help? Agent was angr TDL12.3. How did the agent react when you asked his/her for help? Agent was angr TDL12.3. How did the agent react when you asked his/her for help? Agent was angr TDL12.3. How did the agent react when you asked his/her for help? Agent was angr TDL12.3. How did the agent react when you asked his/her for help? Agent was angr How did the agent react when you asked his/her for help? Agent was angry 23 2979 1 Yes 2 No Sysmiss TDL12.3. How did the agent react when you asked his/her for help? Agent was angry TDL12.4. How did the agent react when you asked his/her for help? Agent was help TDL12.4. How did the agent react when you asked his/her for help? Agent was help TDL12.4. How did the agent react when you asked his/her for help? Agent was help TDL12.4. How did the agent react when you asked his/her for help? Agent was help TDL12.4. How did the agent react when you asked his/her for help? Agent was help How did the agent react when you asked his/her for help? Agent was helpful 23 2979 1 Yes 2 No Sysmiss TDL12.4. How did the agent react when you asked his/her for help? Agent was helpful TDL12.5. How did the agent react when you asked his/her for help? Agent was not TDL12.5. How did the agent react when you asked his/her for help? Agent was not TDL12.5. How did the agent react when you asked his/her for help? Agent was not TDL12.5. How did the agent react when you asked his/her for help? Agent was not TDL12.5. How did the agent react when you asked his/her for help? Agent was not How did the agent react when you asked his/her for help? Agent was not knowledgeable 23 2979 1 Yes 2 No Sysmiss TDL12.5. How did the agent react when you asked his/her for help? Agent was not knowledgeable TDL12.6. How did the agent react when you asked his/her for help? Agent sent me TDL12.6. How did the agent react when you asked his/her for help? Agent sent me TDL12.6. How did the agent react when you asked his/her for help? Agent sent me TDL12.6. How did the agent react when you asked his/her for help? Agent sent me TDL12.6. How did the agent react when you asked his/her for help? Agent sent me How did the agent react when you asked his/her for help? Agent send me to a different office for help 23 2979 1 Yes 2 No Sysmiss TDL12.6. How did the agent react when you asked his/her for help? Agent sent me to a different office for help TDL12.7. How did the agent react when you asked his/her for help? Other TDL12.7. How did the agent react when you asked his/her for help? Other TDL12.7. How did the agent react when you asked his/her for help? Other TDL12.7. How did the agent react when you asked his/her for help? Other TDL12.7. How did the agent react when you asked his/her for help? Other How did the agent react when you asked his/her for help? Other (Specify) 23 2979 1 Yes 2 No Sysmiss TDL12.8. How did the agent react when you asked his/her for help? DK/Refused TDL12.8. How did the agent react when you asked his/her for help? DK/Refused TDL12.8. How did the agent react when you asked his/her for help? DK/Refused TDL12.8. How did the agent react when you asked his/her for help? DK/Refused TDL12.8. How did the agent react when you asked his/her for help? DK/Refused How did the agent react when you asked his/her for help? DK/Refused 23 2979 1 Yes 2 No Sysmiss FB1.1. Have you ever done the following? Buy mobile recharge/Pay mobile bill FB1.1. Have you ever done the following? Buy mobile recharge/Pay mobile bill FB1.1. Have you ever done the following? Buy mobile recharge/Pay mobile bill FB1.1. Have you ever done the following? Buy mobile recharge/Pay mobile bill FB1.1. Have you ever done the following? Buy mobile recharge/Pay mobile bill Have you ever done the following…? Buy mobile recharge/Pay mobile bill 3002 1 Yes 2 No FB2.1. When was the last time you did this activity? Buy mobile recharge/Pay mob FB2.1. When was the last time you did this activity? Buy mobile recharge/Pay mob FB2.1. When was the last time you did this activity? Buy mobile recharge/Pay mob FB2.1. When was the last time you did this activity? Buy mobile recharge/Pay mob FB2.1. When was the last time you did this activity? Buy mobile recharge/Pay mob When was the last time you did this activity? Buy mobile recharge/Pay mobile bill 2681 321 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.1. When was the last time you did this activity? Buy mobile recharge/Pay mobile bill FB3.1. Which of these methods do you use most frequently for this activity? Buy FB3.1. Which of these methods do you use most frequently for this activity? Buy FB3.1. Which of these methods do you use most frequently for this activity? Buy FB3.1. Which of these methods do you use most frequently for this activity? Buy FB3.1. Which of these methods do you use most frequently for this activity? Buy Which of these methods do you use most frequently for this activity? Buy mobile recharge/Pay mobile bill 2681 321 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.1. Which of these methods do you use most frequently for this activity? Buy mobile recharge/Pay mobile bill FB1.2. Have you ever done the following? Pay a school/college fee FB1.2. Have you ever done the following? Pay a school/college fee FB1.2. Have you ever done the following? Pay a school/college fee FB1.2. Have you ever done the following? Pay a school/college fee FB1.2. Have you ever done the following? Pay a school/college fee Have you ever done the following…? Pay a school/college fee 3002 1 Yes 2 No FB2.2. When was the last time you did this activity? Pay a school/college fee FB2.2. When was the last time you did this activity? Pay a school/college fee FB2.2. When was the last time you did this activity? Pay a school/college fee FB2.2. When was the last time you did this activity? Pay a school/college fee FB2.2. When was the last time you did this activity? Pay a school/college fee When was the last time you did this activity? Pay a school/college fee 1241 1761 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB3.2. Which of these methods do you use most frequently for this activity? Pay FB3.2. Which of these methods do you use most frequently for this activity? Pay FB3.2. Which of these methods do you use most frequently for this activity? Pay FB3.2. Which of these methods do you use most frequently for this activity? Pay FB3.2. Which of these methods do you use most frequently for this activity? Pay Which of these methods do you use most frequently for this activity? Pay a school/college fee 1241 1761 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.2. Which of these methods do you use most frequently for this activity? Pay a school/college fee FB1.3. Have you ever done the following? Pay a medical bill FB1.3. Have you ever done the following? Pay a medical bill FB1.3. Have you ever done the following? Pay a medical bill FB1.3. Have you ever done the following? Pay a medical bill FB1.3. Have you ever done the following? Pay a medical bill Have you ever done the following…? Pay a medical bill 3002 1 Yes 2 No FB2.3. When was the last time you did this activity? Pay a medical bill FB2.3. When was the last time you did this activity? Pay a medical bill FB2.3. When was the last time you did this activity? Pay a medical bill FB2.3. When was the last time you did this activity? Pay a medical bill FB2.3. When was the last time you did this activity? Pay a medical bill When was the last time you did this activity? Pay a medical bill 1253 1749 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB3.3. Which of these methods do you use most frequently for this activity? Pay FB3.3. Which of these methods do you use most frequently for this activity? Pay FB3.3. Which of these methods do you use most frequently for this activity? Pay FB3.3. Which of these methods do you use most frequently for this activity? Pay FB3.3. Which of these methods do you use most frequently for this activity? Pay Which of these methods do you use most frequently for this activity? Pay a medical bill 1253 1749 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.3. Which of these methods do you use most frequently for this activity? Pay a medical bill FB1.4. Have you ever done the following? Pay a regular bill such as electricity, FB1.4. Have you ever done the following? Pay a regular bill such as electricity, FB1.4. Have you ever done the following? Pay a regular bill such as electricity, FB1.4. Have you ever done the following? Pay a regular bill such as electricity, FB1.4. Have you ever done the following? Pay a regular bill such as electricity, Have you ever done the following…? Pay a regular bill such as electricity, water, landline, cable tv, internet 3002 1 Yes 2 No FB1.4. Have you ever done the following? Pay a regular bill such as electricity, water, landline, cable tv, internet FB2.4. When was the last time you did this activity? Pay a regular bill such as FB2.4. When was the last time you did this activity? Pay a regular bill such as FB2.4. When was the last time you did this activity? Pay a regular bill such as FB2.4. When was the last time you did this activity? Pay a regular bill such as FB2.4. When was the last time you did this activity? Pay a regular bill such as When was the last time you did this activity? Pay a regular bill such as electricity, water, landline, cable tv, internet 1356 1646 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.4. When was the last time you did this activity? Pay a regular bill such as electricity, water, landline, cable tv, internet FB3.4. Which of these methods do you use most frequently for this activity? Pay FB3.4. Which of these methods do you use most frequently for this activity? Pay FB3.4. Which of these methods do you use most frequently for this activity? Pay FB3.4. Which of these methods do you use most frequently for this activity? Pay FB3.4. Which of these methods do you use most frequently for this activity? Pay Which of these methods do you use most frequently for this activity? Pay a regular bill such as electricity, water, landline, cable tv, internet 1356 1646 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.4. Which of these methods do you use most frequently for this activity? Pay a regular bill such as electricity, water, landline, cable tv, internet FB1.5. Have you ever done the following? Pay rent FB1.5. Have you ever done the following? Pay rent FB1.5. Have you ever done the following? Pay rent FB1.5. Have you ever done the following? Pay rent FB1.5. Have you ever done the following? Pay rent Have you ever done the following…? Pay rent 3002 1 Yes 2 No FB2.5. When was the last time you did this activity? Pay rent FB2.5. When was the last time you did this activity? Pay rent FB2.5. When was the last time you did this activity? Pay rent FB2.5. When was the last time you did this activity? Pay rent FB2.5. When was the last time you did this activity? Pay rent When was the last time you did this activity? Pay rent 524 2478 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB3.5. Which of these methods do you use most frequently for this activity? Pay FB3.5. Which of these methods do you use most frequently for this activity? Pay FB3.5. Which of these methods do you use most frequently for this activity? Pay FB3.5. Which of these methods do you use most frequently for this activity? Pay FB3.5. Which of these methods do you use most frequently for this activity? Pay Which of these methods do you use most frequently for this activity? Pay rent 524 2478 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.5. Which of these methods do you use most frequently for this activity? Pay rent FB1.6. Have you ever done the following? Pay a government bill, including fine, FB1.6. Have you ever done the following? Pay a government bill, including fine, FB1.6. Have you ever done the following? Pay a government bill, including fine, FB1.6. Have you ever done the following? Pay a government bill, including fine, FB1.6. Have you ever done the following? Pay a government bill, including fine, Have you ever done the following…? Pay a government bill, including fine, fee or tax 3002 1 Yes 2 No FB1.6. Have you ever done the following? Pay a government bill, including fine, fee or tax FB2.6. When was the last time you did this activity? Pay a government bill, incl FB2.6. When was the last time you did this activity? Pay a government bill, incl FB2.6. When was the last time you did this activity? Pay a government bill, incl FB2.6. When was the last time you did this activity? Pay a government bill, incl FB2.6. When was the last time you did this activity? Pay a government bill, incl When was the last time you did this activity? Pay a government bill, including fine, fee or tax 229 2773 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.6. When was the last time you did this activity? Pay a government bill, including fine, fee or tax FB3.6. Which of these methods do you use most frequently for this activity? Pay FB3.6. Which of these methods do you use most frequently for this activity? Pay FB3.6. Which of these methods do you use most frequently for this activity? Pay FB3.6. Which of these methods do you use most frequently for this activity? Pay FB3.6. Which of these methods do you use most frequently for this activity? Pay Which of these methods do you use most frequently for this activity? Pay a government bill, including fine, fee or tax 229 2773 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.6. Which of these methods do you use most frequently for this activity? Pay a government bill, including fine, fee or tax FB1.7. Have you ever done the following? Send money to family members, friends, FB1.7. Have you ever done the following? Send money to family members, friends, FB1.7. Have you ever done the following? Send money to family members, friends, FB1.7. Have you ever done the following? Send money to family members, friends, FB1.7. Have you ever done the following? Send money to family members, friends, Have you ever done the following…? Send money to family members, friends, workmates or other acquaintances for regular support/allowances (outside household) 3002 1 Yes 2 No FB1.7. Have you ever done the following? Send money to family members, friends, workmates or other acquaintances for regular support/allowances (outside household) FB2.7. When was the last time you did this activity? Send money to family member FB2.7. When was the last time you did this activity? Send money to family member FB2.7. When was the last time you did this activity? Send money to family member FB2.7. When was the last time you did this activity? Send money to family member FB2.7. When was the last time you did this activity? Send money to family member When was the last time you did this activity? Send money to family members, friends, workmates or other acquaintances for regular support/allowances (outside household) 524 2478 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.7. When was the last time you did this activity? Send money to family members, friends, workmates or other acquaintances for regular support/allowances (outside household) FB3.7. Which of these methods do you use most frequently for this activity? Send FB3.7. Which of these methods do you use most frequently for this activity? Send FB3.7. Which of these methods do you use most frequently for this activity? Send FB3.7. Which of these methods do you use most frequently for this activity? Send FB3.7. Which of these methods do you use most frequently for this activity? Send Which of these methods do you use most frequently for this activity? Send money to family members, friends, workmates or other acquaintances for regular support/allowances (outside household) 524 2478 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.7. Which of these methods do you use most frequently for this activity? Send money to family members, friends, workmates or other acquaintances for regular support/allowances (outside household) FB1.8. Have you ever done the following? Send money to family members, friends, FB1.8. Have you ever done the following? Send money to family members, friends, FB1.8. Have you ever done the following? Send money to family members, friends, FB1.8. Have you ever done the following? Send money to family members, friends, FB1.8. Have you ever done the following? Send money to family members, friends, Have you ever done the following…? Send money to family members, friends, workmates or other acquaintances to help with emergencies(outside household) 3002 1 Yes 2 No FB1.8. Have you ever done the following? Send money to family members, friends, workmates or other acquaintances to help with emergencies (outside household) FB2.8. When was the last time you did this activity? Send money to family member FB2.8. When was the last time you did this activity? Send money to family member FB2.8. When was the last time you did this activity? Send money to family member FB2.8. When was the last time you did this activity? Send money to family member FB2.8. When was the last time you did this activity? Send money to family member When was the last time you did this activity? Send money to family members, friends, workmates or other acquaintances to help with emergencies(outside household) 618 2384 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.8. When was the last time you did this activity? Send money to family members, friends, workmates or other acquaintances to help with emergencies (outside household) FB3.8. Which of these methods do you use most frequently for this activity? Send FB3.8. Which of these methods do you use most frequently for this activity? Send FB3.8. Which of these methods do you use most frequently for this activity? Send FB3.8. Which of these methods do you use most frequently for this activity? Send FB3.8. Which of these methods do you use most frequently for this activity? Send Which of these methods do you use most frequently for this activity? Send money to family members, friends, workmates or other acquaintances to help with emergencies(outside household) 618 2384 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.8. Which of these methods do you use most frequently for this activity? Send money to family members, friends, workmates or other acquaintances to help with emergencies (outside household) FB1.9. Have you ever done the following? Receive money from family members, frie FB1.9. Have you ever done the following? Receive money from family members, frie FB1.9. Have you ever done the following? Receive money from family members, frie FB1.9. Have you ever done the following? Receive money from family members, frie FB1.9. Have you ever done the following? Receive money from family members, frie Have you ever done the following…? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances/pocket money(outside household) 3002 1 Yes 2 No FB1.9. Have you ever done the following? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances/pocket money (outside household) FB2.9. When was the last time you did this activity? Receive money from family m FB2.9. When was the last time you did this activity? Receive money from family m FB2.9. When was the last time you did this activity? Receive money from family m FB2.9. When was the last time you did this activity? Receive money from family m FB2.9. When was the last time you did this activity? Receive money from family m When was the last time you did this activity? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances/pocket money(outside household) 1241 1761 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.9. When was the last time you did this activity? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances/pocket money (outside household) FB3.9. Which of these methods do you use most frequently for this activity? Rece FB3.9. Which of these methods do you use most frequently for this activity? Rece FB3.9. Which of these methods do you use most frequently for this activity? Rece FB3.9. Which of these methods do you use most frequently for this activity? Rece FB3.9. Which of these methods do you use most frequently for this activity? Rece Which of these methods do you use most frequently for this activity? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances/pocket money(outside household) 1241 1761 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.9. Which of these methods do you use most frequently for this activity? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances/pocket money (outside household) FB1.10. Have you ever done the following? Receive money from family members, fri FB1.10. Have you ever done the following? Receive money from family members, fri FB1.10. Have you ever done the following? Receive money from family members, fri FB1.10. Have you ever done the following? Receive money from family members, fri FB1.10. Have you ever done the following? Receive money from family members, fri Have you ever done the following…? Receive money from family members, friends, workmates or other acquaintances to help with emergencies (outside household) 3002 1 Yes 2 No FB1.10. Have you ever done the following? Receive money from family members, friends, workmates or other acquaintances to help with emergencies (outside household) FB2.10. When was the last time you did this activity? Receive money from family FB2.10. When was the last time you did this activity? Receive money from family FB2.10. When was the last time you did this activity? Receive money from family FB2.10. When was the last time you did this activity? Receive money from family FB2.10. When was the last time you did this activity? Receive money from family When was the last time you did this activity? Receive money from family members, friends, workmates or other acquaintances to help with emergencies (outside household) 931 2071 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.10. When was the last time you did this activity? Receive money from family members, friends, workmates or other acquaintances to help with emergencies (outside household) FB3.10. Which of these methods do you use most frequently for this activity? Rec FB3.10. Which of these methods do you use most frequently for this activity? Rec FB3.10. Which of these methods do you use most frequently for this activity? Rec FB3.10. Which of these methods do you use most frequently for this activity? Rec FB3.10. Which of these methods do you use most frequently for this activity? Rec Which of these methods do you use most frequently for this activity? Receive money from family members, friends, workmates or other acquaintances to help with emergencies (outside household) 931 2071 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.10. Which of these methods do you use most frequently for this activity? Receive money from family members, friends, workmates or other acquaintances to help with emergencies (outside household) FB1.11. Have you ever done the following? Receive welfare, pension from the gove FB1.11. Have you ever done the following? Receive welfare, pension from the gove FB1.11. Have you ever done the following? Receive welfare, pension from the gove FB1.11. Have you ever done the following? Receive welfare, pension from the gove FB1.11. Have you ever done the following? Receive welfare, pension from the gove Have you ever done the following…? Receive welfare, pension from the government 3002 1 Yes 2 No FB1.11. Have you ever done the following? Receive welfare, pension from the government FB2.11. When was the last time you did this activity? Receive welfare, pension f FB2.11. When was the last time you did this activity? Receive welfare, pension f FB2.11. When was the last time you did this activity? Receive welfare, pension f FB2.11. When was the last time you did this activity? Receive welfare, pension f FB2.11. When was the last time you did this activity? Receive welfare, pension f When was the last time you did this activity? Receive welfare, pension from the government 94 2908 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.11. When was the last time you did this activity? Receive welfare, pension from the government FB3.11. Which of these methods do you use most frequently for this activity? Rec FB3.11. Which of these methods do you use most frequently for this activity? Rec FB3.11. Which of these methods do you use most frequently for this activity? Rec FB3.11. Which of these methods do you use most frequently for this activity? Rec FB3.11. Which of these methods do you use most frequently for this activity? Rec Which of these methods do you use most frequently for this activity? Receive welfare, pension from the government 94 2908 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.11. Which of these methods do you use most frequently for this activity? Receive welfare, pension from the government FB1.12. Have you ever done the following? Receive other benefit payments from th FB1.12. Have you ever done the following? Receive other benefit payments from th FB1.12. Have you ever done the following? Receive other benefit payments from th FB1.12. Have you ever done the following? Receive other benefit payments from th FB1.12. Have you ever done the following? Receive other benefit payments from th Have you ever done the following…? Receive other benefit payments from the government or government agencysuch as scholarship, subsidies, money on birth of girl child, etc. 3002 1 Yes 2 No FB1.12. Have you ever done the following? Receive other benefit payments from the government or government agencysuch as scholarship, subsidies, money on birth of girl child, etc FB2.12. When was the last time you did this activity? Receive other benefit paym FB2.12. When was the last time you did this activity? Receive other benefit paym FB2.12. When was the last time you did this activity? Receive other benefit paym FB2.12. When was the last time you did this activity? Receive other benefit paym FB2.12. When was the last time you did this activity? Receive other benefit paym When was the last time you did this activity? Receive other benefit payments from the government or government agencysuch as scholarship, subsidies, money on birth of girl child, etc. 71 2931 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.12. When was the last time you did this activity? Receive other benefit payments from the government or government agencysuch as scholarship, subsidies, money on birth of girl child, etc FB3.12. Which of these methods do you use most frequently for this activity? Rec FB3.12. Which of these methods do you use most frequently for this activity? Rec FB3.12. Which of these methods do you use most frequently for this activity? Rec FB3.12. Which of these methods do you use most frequently for this activity? Rec FB3.12. Which of these methods do you use most frequently for this activity? Rec Which of these methods do you use most frequently for this activity? Receive other benefit payments from the government or government agencysuch as scholarship, subsidies, money on birth of girl child, etc. 71 2931 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.12. Which of these methods do you use most frequently for this activity? Receive other benefit payments from the government or government agencysuch as scholarship, subsidies, money on birth of girl child, etc FB1.13. Have you ever done the following? Receive wages/salary/income for primar FB1.13. Have you ever done the following? Receive wages/salary/income for primar FB1.13. Have you ever done the following? Receive wages/salary/income for primar FB1.13. Have you ever done the following? Receive wages/salary/income for primar FB1.13. Have you ever done the following? Receive wages/salary/income for primar Have you ever done the following…? Receive wages/salary/income for primary job 3002 1 Yes 2 No FB1.13. Have you ever done the following? Receive wages/salary/income for primary job FB2.13. When was the last time you did this activity? Receive wages/salary/incom FB2.13. When was the last time you did this activity? Receive wages/salary/incom FB2.13. When was the last time you did this activity? Receive wages/salary/incom FB2.13. When was the last time you did this activity? Receive wages/salary/incom FB2.13. When was the last time you did this activity? Receive wages/salary/incom When was the last time you did this activity? Receive wages/salary/income for primary job 686 2316 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.13. When was the last time you did this activity? Receive wages/salary/income for primary job FB3.13. Which of these methods do you use most frequently for this activity? Rec FB3.13. Which of these methods do you use most frequently for this activity? Rec FB3.13. Which of these methods do you use most frequently for this activity? Rec FB3.13. Which of these methods do you use most frequently for this activity? Rec FB3.13. Which of these methods do you use most frequently for this activity? Rec Which of these methods do you use most frequently for this activity? Receive wages/salary/income for primary job 686 2316 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.13. Which of these methods do you use most frequently for this activity? Receive wages/salary/income for primary job FB1.14. Have you ever done the following? Receive wages/salary/income for second FB1.14. Have you ever done the following? Receive wages/salary/income for second FB1.14. Have you ever done the following? Receive wages/salary/income for second FB1.14. Have you ever done the following? Receive wages/salary/income for second FB1.14. Have you ever done the following? Receive wages/salary/income for second Have you ever done the following…? Receive wages/salary/income for secondary job(s) 3002 1 Yes 2 No FB1.14. Have you ever done the following? Receive wages/salary/income for secondary job(s) FB2.14. When was the last time you did this activity? Receive wages/salary/incom FB2.14. When was the last time you did this activity? Receive wages/salary/incom FB2.14. When was the last time you did this activity? Receive wages/salary/incom FB2.14. When was the last time you did this activity? Receive wages/salary/incom FB2.14. When was the last time you did this activity? Receive wages/salary/incom When was the last time you did this activity? Receive wages/salary/income for secondary job(s) 180 2822 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.14. When was the last time you did this activity? Receive wages/salary/income for secondary job(s) FB3.14. Which of these methods do you use most frequently for this activity? Rec FB3.14. Which of these methods do you use most frequently for this activity? Rec FB3.14. Which of these methods do you use most frequently for this activity? Rec FB3.14. Which of these methods do you use most frequently for this activity? Rec FB3.14. Which of these methods do you use most frequently for this activity? Rec Which of these methods do you use most frequently for this activity? Receive wages/salary/income for secondary job(s) 180 2822 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.14. Which of these methods do you use most frequently for this activity? Receive wages/salary/income for secondary job(s) FB1.15. Have you ever done the following? Pay for large acquisitions, including FB1.15. Have you ever done the following? Pay for large acquisitions, including FB1.15. Have you ever done the following? Pay for large acquisitions, including FB1.15. Have you ever done the following? Pay for large acquisitions, including FB1.15. Have you ever done the following? Pay for large acquisitions, including Have you ever done the following…? Pay for large acquisitions, including land, cattle, residence 3002 1 Yes 2 No FB1.15. Have you ever done the following? Pay for large acquisitions, including land, cattle, residence FB2.15. When was the last time you did this activity? Pay for large acquisitions FB2.15. When was the last time you did this activity? Pay for large acquisitions FB2.15. When was the last time you did this activity? Pay for large acquisitions FB2.15. When was the last time you did this activity? Pay for large acquisitions FB2.15. When was the last time you did this activity? Pay for large acquisitions When was the last time you did this activity? Pay for large acquisitions, including land, cattle, residence 73 2929 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.15. When was the last time you did this activity? Pay for large acquisitions, including land, cattle, residence FB3.15. Which of these methods do you use most frequently for this activity? Pay FB3.15. Which of these methods do you use most frequently for this activity? Pay FB3.15. Which of these methods do you use most frequently for this activity? Pay FB3.15. Which of these methods do you use most frequently for this activity? Pay FB3.15. Which of these methods do you use most frequently for this activity? Pay Which of these methods do you use most frequently for this activity? Pay for large acquisitions, including land, cattle, residence 73 2929 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.15. Which of these methods do you use most frequently for this activity? Pay for large acquisitions, including land, cattle, residence FB1.16. Have you ever done the following? Pay premium for any insurance taken FB1.16. Have you ever done the following? Pay premium for any insurance taken FB1.16. Have you ever done the following? Pay premium for any insurance taken FB1.16. Have you ever done the following? Pay premium for any insurance taken FB1.16. Have you ever done the following? Pay premium for any insurance taken Have you ever done the following…? Pay premium for any insurance taken 3002 1 Yes 2 No FB2.16. When was the last time you did this activity? Pay premium for any insura FB2.16. When was the last time you did this activity? Pay premium for any insura FB2.16. When was the last time you did this activity? Pay premium for any insura FB2.16. When was the last time you did this activity? Pay premium for any insura FB2.16. When was the last time you did this activity? Pay premium for any insura When was the last time you did this activity? Pay premium for any insurance taken 333 2669 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.16. When was the last time you did this activity? Pay premium for any insurance taken FB3.16. Which of these methods do you use most frequently for this activity? Pay FB3.16. Which of these methods do you use most frequently for this activity? Pay FB3.16. Which of these methods do you use most frequently for this activity? Pay FB3.16. Which of these methods do you use most frequently for this activity? Pay FB3.16. Which of these methods do you use most frequently for this activity? Pay Which of these methods do you use most frequently for this activity? Pay premium for any insurance taken 333 2669 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.16. Which of these methods do you use most frequently for this activity? Pay premium for any insurance taken FB1.17. Have you ever done the following? Receive claims on insurance FB1.17. Have you ever done the following? Receive claims on insurance FB1.17. Have you ever done the following? Receive claims on insurance FB1.17. Have you ever done the following? Receive claims on insurance FB1.17. Have you ever done the following? Receive claims on insurance Have you ever done the following…? Receive claims on insurance 3002 1 Yes 2 No FB2.17. When was the last time you did this activity? Receive claims on insuranc FB2.17. When was the last time you did this activity? Receive claims on insuranc FB2.17. When was the last time you did this activity? Receive claims on insuranc FB2.17. When was the last time you did this activity? Receive claims on insuranc FB2.17. When was the last time you did this activity? Receive claims on insuranc When was the last time you did this activity? Receive claims on insurance 44 2958 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.17. When was the last time you did this activity? Receive claims on insurance FB3.17. Which of these methods do you use most frequently for this activity? Rec FB3.17. Which of these methods do you use most frequently for this activity? Rec FB3.17. Which of these methods do you use most frequently for this activity? Rec FB3.17. Which of these methods do you use most frequently for this activity? Rec FB3.17. Which of these methods do you use most frequently for this activity? Rec Which of these methods do you use most frequently for this activity? Receive claims on insurance 44 2958 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.17. Which of these methods do you use most frequently for this activity? Receive claims on insurance FB1.18. Have you ever done the following? Pay loan instalment FB1.18. Have you ever done the following? Pay loan instalment FB1.18. Have you ever done the following? Pay loan instalment FB1.18. Have you ever done the following? Pay loan instalment FB1.18. Have you ever done the following? Pay loan instalment Have you ever done the following…? Pay loan instalment 3002 1 Yes 2 No FB2.18. When was the last time you did this activity? Pay loan instalment FB2.18. When was the last time you did this activity? Pay loan instalment FB2.18. When was the last time you did this activity? Pay loan instalment FB2.18. When was the last time you did this activity? Pay loan instalment FB2.18. When was the last time you did this activity? Pay loan instalment When was the last time you did this activity? Pay loan instalment 76 2926 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB3.18. Which of these methods do you use most frequently for this activity? Pay FB3.18. Which of these methods do you use most frequently for this activity? Pay FB3.18. Which of these methods do you use most frequently for this activity? Pay FB3.18. Which of these methods do you use most frequently for this activity? Pay FB3.18. Which of these methods do you use most frequently for this activity? Pay Which of these methods do you use most frequently for this activity? Pay loan instalment 76 2926 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.18. Which of these methods do you use most frequently for this activity? Pay loan instalment FB1.19. Have you ever done the following? Receive payments on a loan given FB1.19. Have you ever done the following? Receive payments on a loan given FB1.19. Have you ever done the following? Receive payments on a loan given FB1.19. Have you ever done the following? Receive payments on a loan given FB1.19. Have you ever done the following? Receive payments on a loan given Have you ever done the following…? Receive payments on a loan given 3002 1 Yes 2 No FB2.19. When was the last time you did this activity? Receive payments on a loan FB2.19. When was the last time you did this activity? Receive payments on a loan FB2.19. When was the last time you did this activity? Receive payments on a loan FB2.19. When was the last time you did this activity? Receive payments on a loan FB2.19. When was the last time you did this activity? Receive payments on a loan When was the last time you did this activity? Receive payments on a loan given 90 2912 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.19. When was the last time you did this activity? Receive payments on a loan given FB3.19. Which of these methods do you use most frequently for this activity? Rec FB3.19. Which of these methods do you use most frequently for this activity? Rec FB3.19. Which of these methods do you use most frequently for this activity? Rec FB3.19. Which of these methods do you use most frequently for this activity? Rec FB3.19. Which of these methods do you use most frequently for this activity? Rec Which of these methods do you use most frequently for this activity? Receive payments on a loan given 90 2912 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.19. Which of these methods do you use most frequently for this activity? Receive payments on a loan given FB1.20. Have you ever done the following? Pay for goods at grocery store, other FB1.20. Have you ever done the following? Pay for goods at grocery store, other FB1.20. Have you ever done the following? Pay for goods at grocery store, other FB1.20. Have you ever done the following? Pay for goods at grocery store, other FB1.20. Have you ever done the following? Pay for goods at grocery store, other Have you ever done the following…? Pay for goods at grocery store, other store/shop 3002 1 Yes 2 No FB1.20. Have you ever done the following? Pay for goods at grocery store, other store/shop FB2.20. When was the last time you did this activity? Pay for goods at grocery s FB2.20. When was the last time you did this activity? Pay for goods at grocery s FB2.20. When was the last time you did this activity? Pay for goods at grocery s FB2.20. When was the last time you did this activity? Pay for goods at grocery s FB2.20. When was the last time you did this activity? Pay for goods at grocery s When was the last time you did this activity? Pay for goods at grocery store, other store/shop 1157 1845 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.20. When was the last time you did this activity? Pay for goods at grocery store, other store/shop FB3.20. Which of these methods do you use most frequently for this activity? Pay FB3.20. Which of these methods do you use most frequently for this activity? Pay FB3.20. Which of these methods do you use most frequently for this activity? Pay FB3.20. Which of these methods do you use most frequently for this activity? Pay FB3.20. Which of these methods do you use most frequently for this activity? Pay Which of these methods do you use most frequently for this activity? Pay for goods at grocery store, other store/shop 1157 1845 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.20. Which of these methods do you use most frequently for this activity? Pay for goods at grocery store, other store/shop FB1.21. Have you ever done the following? Take a loan or make payments on a loan FB1.21. Have you ever done the following? Take a loan or make payments on a loan FB1.21. Have you ever done the following? Take a loan or make payments on a loan FB1.21. Have you ever done the following? Take a loan or make payments on a loan FB1.21. Have you ever done the following? Take a loan or make payments on a loan Have you ever done the following…? Take a loan or make payments on a loan 3002 1 Yes 2 No FB2.21. When was the last time you did this activity? Take a loan or make paymen FB2.21. When was the last time you did this activity? Take a loan or make paymen FB2.21. When was the last time you did this activity? Take a loan or make paymen FB2.21. When was the last time you did this activity? Take a loan or make paymen FB2.21. When was the last time you did this activity? Take a loan or make paymen When was the last time you did this activity? Take a loan or make payments on a loan 167 2835 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.21. When was the last time you did this activity? Take a loan or make payments on a loan FB3.21. Which of these methods do you use most frequently for this activity? Tak FB3.21. Which of these methods do you use most frequently for this activity? Tak FB3.21. Which of these methods do you use most frequently for this activity? Tak FB3.21. Which of these methods do you use most frequently for this activity? Tak FB3.21. Which of these methods do you use most frequently for this activity? Tak Which of these methods do you use most frequently for this activity? Take a loan or make payments on a loan 167 2835 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.21. Which of these methods do you use most frequently for this activity? Take a loan or make payments on a loan FB1.22. Have you ever done the following? Give a loan or receive payments on a l FB1.22. Have you ever done the following? Give a loan or receive payments on a l FB1.22. Have you ever done the following? Give a loan or receive payments on a l FB1.22. Have you ever done the following? Give a loan or receive payments on a l FB1.22. Have you ever done the following? Give a loan or receive payments on a l Have you ever done the following…? Give a loan or receive payments on a loan 3002 1 Yes 2 No FB1.22. Have you ever done the following? Give a loan or receive payments on a loan FB2.22. When was the last time you did this activity? Give a loan or receive pay FB2.22. When was the last time you did this activity? Give a loan or receive pay FB2.22. When was the last time you did this activity? Give a loan or receive pay FB2.22. When was the last time you did this activity? Give a loan or receive pay FB2.22. When was the last time you did this activity? Give a loan or receive pay When was the last time you did this activity? Give a loan or receive payments on a loan 65 2937 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.22. When was the last time you did this activity? Give a loan or receive payments on a loan FB3.22. Which of these methods do you use most frequently for this activity? Giv FB3.22. Which of these methods do you use most frequently for this activity? Giv FB3.22. Which of these methods do you use most frequently for this activity? Giv FB3.22. Which of these methods do you use most frequently for this activity? Giv FB3.22. Which of these methods do you use most frequently for this activity? Giv Which of these methods do you use most frequently for this activity? Give a loan or receive payments on a loan 65 2937 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.22. Which of these methods do you use most frequently for this activity? Give a loan or receive payments on a loan FB1.23. Have you ever done the following? Make investment FB1.23. Have you ever done the following? Make investment FB1.23. Have you ever done the following? Make investment FB1.23. Have you ever done the following? Make investment FB1.23. Have you ever done the following? Make investment Have you ever done the following…? Make investment 3002 1 Yes 2 No FB2.23. When was the last time you did this activity? Make investment FB2.23. When was the last time you did this activity? Make investment FB2.23. When was the last time you did this activity? Make investment FB2.23. When was the last time you did this activity? Make investment FB2.23. When was the last time you did this activity? Make investment When was the last time you did this activity? Make investment 393 2609 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB3.23. Which of these methods do you use most frequently for this activity? Mak FB3.23. Which of these methods do you use most frequently for this activity? Mak FB3.23. Which of these methods do you use most frequently for this activity? Mak FB3.23. Which of these methods do you use most frequently for this activity? Mak FB3.23. Which of these methods do you use most frequently for this activity? Mak Which of these methods do you use most frequently for this activity? Make investment 393 2609 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.23. Which of these methods do you use most frequently for this activity? Make investment FB1.24. Have you ever done the following? Save money FB1.24. Have you ever done the following? Save money FB1.24. Have you ever done the following? Save money FB1.24. Have you ever done the following? Save money FB1.24. Have you ever done the following? Save money Have you ever done the following…? Save money 3002 1 Yes 2 No FB2.24. When was the last time you did this activity? Save money FB2.24. When was the last time you did this activity? Save money FB2.24. When was the last time you did this activity? Save money FB2.24. When was the last time you did this activity? Save money FB2.24. When was the last time you did this activity? Save money When was the last time you did this activity? Save money 970 2032 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB3.24. Which of these methods do you use most frequently for this activity? Sav FB3.24. Which of these methods do you use most frequently for this activity? Sav FB3.24. Which of these methods do you use most frequently for this activity? Sav FB3.24. Which of these methods do you use most frequently for this activity? Sav FB3.24. Which of these methods do you use most frequently for this activity? Sav Which of these methods do you use most frequently for this activity? Save money 970 2032 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.24. Which of these methods do you use most frequently for this activity? Save money FB1.25. Have you ever done the following? Set money aside for retirement or emer FB1.25. Have you ever done the following? Set money aside for retirement or emer FB1.25. Have you ever done the following? Set money aside for retirement or emer FB1.25. Have you ever done the following? Set money aside for retirement or emer FB1.25. Have you ever done the following? Set money aside for retirement or emer Have you ever done the following…? Set money aside for retirement or emergency 3002 1 Yes 2 No FB1.25. Have you ever done the following? Set money aside for retirement or emergency FB2.25. When was the last time you did this activity? Set money aside for retire FB2.25. When was the last time you did this activity? Set money aside for retire FB2.25. When was the last time you did this activity? Set money aside for retire FB2.25. When was the last time you did this activity? Set money aside for retire FB2.25. When was the last time you did this activity? Set money aside for retire When was the last time you did this activity? Set money aside for retirement or emergency 255 2747 1 Yesterday 2 In the past 7 days 3 In the past 30 days 4 In the past 90 days 5 More than 90 days ago Sysmiss FB2.25. When was the last time you did this activity? Set money aside for retirement or emergency FB3.25. Which of these methods do you use most frequently for this activity? Set FB3.25. Which of these methods do you use most frequently for this activity? Set FB3.25. Which of these methods do you use most frequently for this activity? Set FB3.25. Which of these methods do you use most frequently for this activity? Set FB3.25. Which of these methods do you use most frequently for this activity? Set Which of these methods do you use most frequently for this activity? Set money aside for retirement or emergency 255 2747 1 Cash-Personally delivered 2 Cash sent through post or courier 3 Cash sent through friend/relative 4 Electronic transfer using a bank account 5 Cheque/Demand/Banker?s Draft 6 ATM or Debit card given by bank 7 Credit card 8 Digital card (A rechargeable card that is not attached to a bank or MFI account) 9 M-money: Own m-money account 10 M-money: Agent?s m-money account 11 M-money: Another person?s account (friend, family member, neighbor, etc) 12 Western Union/ Money Gram 13 Private money transfer agent (not a bank or formal service) 14 Gold 15 Barter of food or other goods 16 Other Sysmiss FB3.25. Which of these methods do you use most frequently for this activity? Set money aside for retirement or emergency IO1. Ghana has several m-money providers. As a m-money user, would you like to s IO1. Ghana has several m-money providers. As a m-money user, would you like to s IO1. Ghana has several m-money providers. As a m-money user, would you like to s IO1. Ghana has several m-money providers. As a m-money user, would you like to s IO1. Ghana has several m-money providers. As a m-money user, would you like to s Ghana has several m-money providers. As a m-money user, would you like to see m-money providers work together with one another to provide m-money services? 3002 1 Yes 2 No 3 It will make no difference to me IO1. Ghana has several m-money providers. As a m-money user, would you like to see m-money providers work together with one another to provide m-money services? IO2. Would you like to see m-money providers work together with other financial IO2. Would you like to see m-money providers work together with other financial IO2. Would you like to see m-money providers work together with other financial IO2. Would you like to see m-money providers work together with other financial IO2. Would you like to see m-money providers work together with other financial Would you like to see m-money providers work together with other financial institutions, such as banks, MFIs, Savings and Credit Union Associations (SACCO), etc.? 3002 1 Yes 2 No 3 It will make no difference to me IO2. Would you like to see m-money providers work together with other financial institutions, such as banks, MFIs, Savings and Credit Union Associations (SACCO) etc.? IO3.1. IO3.1. What would you like to see as a result of such working together? I IO3.1. IO3.1. What would you like to see as a result of such working together? I IO3.1. IO3.1. What would you like to see as a result of such working together? I IO3.1. IO3.1. What would you like to see as a result of such working together? I IO3.1. IO3.1. What would you like to see as a result of such working together? I What would you like to see as a result of such working together? I will have access to my money whenever and wherever I need it 2031 971 1 Yes 2 No Sysmiss IO3.1. IO3.1. What would you like to see as a result of such working together? I will have access to my money whenever and wherever I need it IO3.2. IO3.2. What would you like to see as a result of such working together? U IO3.2. IO3.2. What would you like to see as a result of such working together? U IO3.2. IO3.2. What would you like to see as a result of such working together? U IO3.2. IO3.2. What would you like to see as a result of such working together? U IO3.2. IO3.2. What would you like to see as a result of such working together? U What would you like to see as a result of such working together? Using my m-money account for cross-network or cross-institution transactions will be faster 2031 971 1 Yes 2 No Sysmiss IO3.2. IO3.2. What would you like to see as a result of such working together? Using my m-money account for cross-network or cross-institution transactions will be faster IO3.3. IO3.3. What would you like to see as a result of such working together? U IO3.3. IO3.3. What would you like to see as a result of such working together? U IO3.3. IO3.3. What would you like to see as a result of such working together? U IO3.3. IO3.3. What would you like to see as a result of such working together? U IO3.3. IO3.3. What would you like to see as a result of such working together? U What would you like to see as a result of such working together? Using my m-money account for cross-network or cross-institution transactions will be cheaper 2031 971 1 Yes 2 No Sysmiss IO3.3. IO3.3. What would you like to see as a result of such working together? Using my m-money account for cross-network or cross-institution transactions will be cheaper IO3.4. IO3.4. What would you like to see as a result of such working together? U IO3.4. IO3.4. What would you like to see as a result of such working together? U IO3.4. IO3.4. What would you like to see as a result of such working together? U IO3.4. IO3.4. What would you like to see as a result of such working together? U IO3.4. IO3.4. What would you like to see as a result of such working together? U What would you like to see as a result of such working together? Using my m-money account for cross-network or cross-institution transactions will be less complicated technology-wise 2031 971 1 Yes 2 No Sysmiss IO3.4. IO3.4. What would you like to see as a result of such working together? Using my m-money account for cross-network or cross-institution transactions will be less complicated technology-wise IO3.5. IO3.5. What would you like to see as a result of such working together? I IO3.5. IO3.5. What would you like to see as a result of such working together? I IO3.5. IO3.5. What would you like to see as a result of such working together? I IO3.5. IO3.5. What would you like to see as a result of such working together? I IO3.5. IO3.5. What would you like to see as a result of such working together? I What would you like to see as a result of such working together? I will not have to carry cash - my money and I will be safer 2031 971 1 Yes 2 No Sysmiss IO3.5. IO3.5. What would you like to see as a result of such working together? I will not have to carry cash ? my money and I will be safer IO3.6. IO3.6. What would you like to see as a result of such working together? O IO3.6. IO3.6. What would you like to see as a result of such working together? O IO3.6. IO3.6. What would you like to see as a result of such working together? O IO3.6. IO3.6. What would you like to see as a result of such working together? O IO3.6. IO3.6. What would you like to see as a result of such working together? O What would you like to see as a result of such working together? Other (Specify) 2031 971 1 Yes 2 No Sysmiss IO3.6. IO3.6. What would you like to see as a result of such working together? Other IO3.7. IO3.7. What would you like to see as a result of such working together? D IO3.7. IO3.7. What would you like to see as a result of such working together? D IO3.7. IO3.7. What would you like to see as a result of such working together? D IO3.7. IO3.7. What would you like to see as a result of such working together? D IO3.7. IO3.7. What would you like to see as a result of such working together? D What would you like to see as a result of such working together? DK/Refused 2031 971 1 Yes 2 No Sysmiss IO3.7. IO3.7. What would you like to see as a result of such working together? DK/Refused IO4. Which financial organizations would you most like to see engaging with one IO4. Which financial organizations would you most like to see engaging with one IO4. Which financial organizations would you most like to see engaging with one IO4. Which financial organizations would you most like to see engaging with one IO4. Which financial organizations would you most like to see engaging with one Which financial organizations would you most like to see engaging with one another to encourage you to use m-money/use m-money more frequently? 3002 1 M-money providers alone 2 M-money providers and financial organizations: banks, MFIs, Savings and Credit Union Associations (SACCO) 3 All m-money providers and all financial organizations work together 4 None 5 DK/Refused IO4. Which financial organizations would you most like to see engaging with one another to encourage you to use m-money/use m-money more frequently? LN1. Can you read this text out loud for me? LN1. Can you read this text out loud for me? LN1. Can you read this text out loud for me? LN1. Can you read this text out loud for me? LN1. Can you read this text out loud for me? Can you read this text for me, please? 3002 1 Respondent read the informed consent form fluently and without any help from the interviewer 2 Respondent read the informed consent form well but had a little help from the interviewer 3 Respondent struggled to read the informed consent form and had a lot of help from the interviewer 4 Respondent unable to read the consent form and requested the interviewer read it to them LN1B. Does the respondent fully understood the informed consent? LN1B. Does the respondent fully understood the informed consent? LN1B. Does the respondent fully understood the informed consent? LN1B. Does the respondent fully understood the informed consent? LN1B. Does the respondent fully understood the informed consent? Can you read this text for me, please? 3002 1 The respondent fully understood the informed consent form without any help from the interviewer (confirm by asking) 2 Respondent understood the informed consent form well but asked for a little help from the interviewer 3 Respondent struggled to understand the informed consent form and asked for a lot of help from the interviewer 4 Respondent unable to understand the informed consent form and interviewer explained in full using simpler language LN2.1. Evaluate how do you perform in the following. Reading in English LN2.1. Evaluate how do you perform in the following. Reading in English LN2.1. Evaluate how do you perform in the following. Reading in English LN2.1. Evaluate how do you perform in the following. Reading in English LN2.1. Evaluate how do you perform in the following. Reading in English On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how do you perform in the following areas: Reading in English 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent LN2.2. Evaluate how do you perform in the following. Writing in English LN2.2. Evaluate how do you perform in the following. Writing in English LN2.2. Evaluate how do you perform in the following. Writing in English LN2.2. Evaluate how do you perform in the following. Writing in English LN2.2. Evaluate how do you perform in the following. Writing in English On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how do you perform in the following areas: Writing in English 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent LN2.3. Evaluate how do you perform in the following. Reading in Twi LN2.3. Evaluate how do you perform in the following. Reading in Twi LN2.3. Evaluate how do you perform in the following. Reading in Twi LN2.3. Evaluate how do you perform in the following. Reading in Twi LN2.3. Evaluate how do you perform in the following. Reading in Twi On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how do you perform in the following areas: Reading in Twi 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent LN2.4. Evaluate how do you perform in the following. Writing in Twi LN2.4. Evaluate how do you perform in the following. Writing in Twi LN2.4. Evaluate how do you perform in the following. Writing in Twi LN2.4. Evaluate how do you perform in the following. Writing in Twi LN2.4. Evaluate how do you perform in the following. Writing in Twi On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how do you perform in the following areas: Writing in Twi 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent LN2.5. Evaluate how do you perform in the following. Reading in Ga LN2.5. Evaluate how do you perform in the following. Reading in Ga LN2.5. Evaluate how do you perform in the following. Reading in Ga LN2.5. Evaluate how do you perform in the following. Reading in Ga LN2.5. Evaluate how do you perform in the following. Reading in Ga On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how you perform in the following areas: Reading in Ga 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent LN2.6. Evaluate how do you perform in the following. Writing in Ga LN2.6. Evaluate how do you perform in the following. Writing in Ga LN2.6. Evaluate how do you perform in the following. Writing in Ga LN2.6. Evaluate how do you perform in the following. Writing in Ga LN2.6. Evaluate how do you perform in the following. Writing in Ga On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how you perform in the following areas: Writing in Ga 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent LN2.7. Evaluate how do you perform in the following. Reading in Ewe LN2.7. Evaluate how do you perform in the following. Reading in Ewe LN2.7. Evaluate how do you perform in the following. Reading in Ewe LN2.7. Evaluate how do you perform in the following. Reading in Ewe LN2.7. Evaluate how do you perform in the following. Reading in Ewe On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how you perform in the following areas: Reading in Ewe 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent LN2.8. Evaluate how do you perform in the following. Writing in Ewe LN2.8. Evaluate how do you perform in the following. Writing in Ewe LN2.8. Evaluate how do you perform in the following. Writing in Ewe LN2.8. Evaluate how do you perform in the following. Writing in Ewe LN2.8. Evaluate how do you perform in the following. Writing in Ewe On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how you perform in the following areas: Writing in Ewe 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent LN2.9. Evaluate how do you perform in the following. Reading in Dagbani LN2.9. Evaluate how do you perform in the following. Reading in Dagbani LN2.9. Evaluate how do you perform in the following. Reading in Dagbani LN2.9. Evaluate how do you perform in the following. Reading in Dagbani LN2.9. Evaluate how do you perform in the following. Reading in Dagbani On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how you perform in the following areas: Reading in Dagbani 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent LN2.10. Evaluate how do you perform in the following. Writing in Dagbani LN2.10. Evaluate how do you perform in the following. Writing in Dagbani LN2.10. Evaluate how do you perform in the following. Writing in Dagbani LN2.10. Evaluate how do you perform in the following. Writing in Dagbani LN2.10. Evaluate how do you perform in the following. Writing in Dagbani On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how you perform in the following areas: Writing in Dagbani 3002 1 Cannot do this at all 2 Very bad 3 Somewhat bad 4 Good 5 Excellent RI4. Would you consent to taking part in a follow up study with us? RI4. Would you consent to taking part in a follow up study with us? RI4. Would you consent to taking part in a follow up study with us? RI4. Would you consent to taking part in a follow up study with us? RI4. Would you consent to taking part in a follow up study with us? Would you consent to taking part in a follow up study with us? 3002 1 Yes 2 No RI6.1. How many of those calls and messages are made by you and how many by othe RI6.1. How many of those calls and messages are made by you and how many by othe RI6.1. How many of those calls and messages are made by you and how many by othe RI6.1. How many of those calls and messages are made by you and how many by othe RI6.1. How many of those calls and messages are made by you and how many by othe 2404 598 1 I make all or almost all, the calls and messages from this phone number 2 I make more than half of the calls and messages from this phone number 3 I make less than half of the calls and messages from this phone number 4 Other people make almost all the calls or messages from this phone number Sysmiss RI6.1. How many of those calls and messages are made by you and how many by others? From the No.1 Phone RI6.2. How many of those calls and messages are made by you and how many by othe RI6.2. How many of those calls and messages are made by you and how many by othe RI6.2. How many of those calls and messages are made by you and how many by othe RI6.2. How many of those calls and messages are made by you and how many by othe RI6.2. How many of those calls and messages are made by you and how many by othe 346 2656 1 I make all or almost all, the calls and messages from this phone number 2 I make more than half of the calls and messages from this phone number 3 I make less than half of the calls and messages from this phone number 4 Other people make almost all the calls or messages from this phone number Sysmiss RI6.2. How many of those calls and messages are made by you and how many by others? From the No.2 Phone RI6.3. How many of those calls and messages are made by you and how many by othe RI6.3. How many of those calls and messages are made by you and how many by othe RI6.3. How many of those calls and messages are made by you and how many by othe RI6.3. How many of those calls and messages are made by you and how many by othe RI6.3. How many of those calls and messages are made by you and how many by othe 22 2980 1 I make all or almost all, the calls and messages from this phone number 2 I make more than half of the calls and messages from this phone number 3 I make less than half of the calls and messages from this phone number 4 Other people make almost all the calls or messages from this phone number Sysmiss RI6.3. How many of those calls and messages are made by you and how many by others? From the No.3 Phone RI7.1. How many of those calls and messages are for you and how many are for oth RI7.1. How many of those calls and messages are for you and how many are for oth RI7.1. How many of those calls and messages are for you and how many are for oth RI7.1. How many of those calls and messages are for you and how many are for oth RI7.1. How many of those calls and messages are for you and how many are for oth 2404 598 1 All or almost all, the calls and messages to this phone number are for me 2 More than half of the calls and messages to this phone number are for me 3 Less than half of the calls and messages to this phone number are for me 4 Calls and messages to this phone number are almost always for other people Sysmiss RI7.1. How many of those calls and messages are for you and how many are for others? From No.1 PHONE RI7.2. How many of those calls and messages are for you and how many are for oth RI7.2. How many of those calls and messages are for you and how many are for oth RI7.2. How many of those calls and messages are for you and how many are for oth RI7.2. How many of those calls and messages are for you and how many are for oth RI7.2. How many of those calls and messages are for you and how many are for oth 346 2656 1 All or almost all, the calls and messages to this phone number are for me 2 More than half of the calls and messages to this phone number are for me 3 Less than half of the calls and messages to this phone number are for me 4 Calls and messages to this phone number are almost always for other people Sysmiss RI7.2. How many of those calls and messages are for you and how many are for others? From No.2 PHONE RI7.3. How many of those calls and messages are for you and how many are for oth RI7.3. How many of those calls and messages are for you and how many are for oth RI7.3. How many of those calls and messages are for you and how many are for oth RI7.3. How many of those calls and messages are for you and how many are for oth RI7.3. How many of those calls and messages are for you and how many are for oth 22 2980 1 All or almost all, the calls and messages to this phone number are for me 2 More than half of the calls and messages to this phone number are for me 3 Less than half of the calls and messages to this phone number are for me 4 Calls and messages to this phone number are almost always for other people Sysmiss RI7.3. How many of those calls and messages are for you and how many are for others? From No.3 PHONE RI8.1. Who beside yourself, make or receive calls or messages on this phone numb RI8.1. Who beside yourself, make or receive calls or messages on this phone numb RI8.1. Who beside yourself, make or receive calls or messages on this phone numb RI8.1. Who beside yourself, make or receive calls or messages on this phone numb RI8.1. Who beside yourself, make or receive calls or messages on this phone numb 253 2749 1 Yes 2 no Sysmiss RI8.1. Who beside yourself, make or receive calls or messages on this phone number. Family member(s) in my household RI8.2. Who beside yourself, make or receive calls or messages on this phone numb RI8.2. Who beside yourself, make or receive calls or messages on this phone numb RI8.2. Who beside yourself, make or receive calls or messages on this phone numb RI8.2. Who beside yourself, make or receive calls or messages on this phone numb RI8.2. Who beside yourself, make or receive calls or messages on this phone numb 253 2749 1 Yes 2 no Sysmiss RI8.2. Who beside yourself, make or receive calls or messages on this phone number. Family member(s)/ in a different household RI8.3. Who beside yourself, make or receive calls or messages on this phone numb RI8.3. Who beside yourself, make or receive calls or messages on this phone numb RI8.3. Who beside yourself, make or receive calls or messages on this phone numb RI8.3. Who beside yourself, make or receive calls or messages on this phone numb RI8.3. Who beside yourself, make or receive calls or messages on this phone numb 253 2749 1 Yes 2 no Sysmiss RI8.3. Who beside yourself, make or receive calls or messages on this phone number. Other relative(s) RI8.4. Who beside yourself, make or receive calls or messages on this phone numb RI8.4. Who beside yourself, make or receive calls or messages on this phone numb RI8.4. Who beside yourself, make or receive calls or messages on this phone numb RI8.4. Who beside yourself, make or receive calls or messages on this phone numb RI8.4. Who beside yourself, make or receive calls or messages on this phone numb 253 2749 1 Yes 2 no Sysmiss RI8.4. Who beside yourself, make or receive calls or messages on this phone number. Workmate(s) or a business partner(s) RI8.5. Who beside yourself, make or receive calls or messages on this phone numb RI8.5. Who beside yourself, make or receive calls or messages on this phone numb RI8.5. Who beside yourself, make or receive calls or messages on this phone numb RI8.5. Who beside yourself, make or receive calls or messages on this phone numb RI8.5. Who beside yourself, make or receive calls or messages on this phone numb 253 2749 1 Yes 2 no Sysmiss RI8.5. Who beside yourself, make or receive calls or messages on this phone number. Neighbor(s), not a relative RI8.6. Who beside yourself, make or receive calls or messages on this phone numb RI8.6. Who beside yourself, make or receive calls or messages on this phone numb RI8.6. Who beside yourself, make or receive calls or messages on this phone numb RI8.6. Who beside yourself, make or receive calls or messages on this phone numb RI8.6. Who beside yourself, make or receive calls or messages on this phone numb 253 2749 1 Yes 2 no Sysmiss RI8.6. Who beside yourself, make or receive calls or messages on this phone number. Mobile Operator?s agent/employee RI8.7. Who beside yourself, make or receive calls or messages on this phone numb RI8.7. Who beside yourself, make or receive calls or messages on this phone numb RI8.7. Who beside yourself, make or receive calls or messages on this phone numb RI8.7. Who beside yourself, make or receive calls or messages on this phone numb RI8.7. Who beside yourself, make or receive calls or messages on this phone numb 253 2749 1 Yes 2 no Sysmiss RI8.7. Who beside yourself, make or receive calls or messages on this phone number. Friend(s) RI8.8. Who beside yourself, make or receive calls or messages on this phone numb RI8.8. Who beside yourself, make or receive calls or messages on this phone numb RI8.8. Who beside yourself, make or receive calls or messages on this phone numb RI8.8. Who beside yourself, make or receive calls or messages on this phone numb RI8.8. Who beside yourself, make or receive calls or messages on this phone numb 253 2749 1 Yes 2 no Sysmiss RI8.8. Who beside yourself, make or receive calls or messages on this phone number. People who pay me to make or receive calls and messages RI8.9. Who beside yourself, make or receive calls or messages on this phone numb RI8.9. Who beside yourself, make or receive calls or messages on this phone numb RI8.9. Who beside yourself, make or receive calls or messages on this phone numb RI8.9. Who beside yourself, make or receive calls or messages on this phone numb RI8.9. Who beside yourself, make or receive calls or messages on this phone numb 253 2749 1 Yes 2 no Sysmiss RI8.9. Who beside yourself, make or receive calls or messages on this phone number. Other RI8.10. Who beside yourself, make or receive calls or messages on this phone num RI8.10. Who beside yourself, make or receive calls or messages on this phone num RI8.10. Who beside yourself, make or receive calls or messages on this phone num RI8.10. Who beside yourself, make or receive calls or messages on this phone num RI8.10. Who beside yourself, make or receive calls or messages on this phone num 253 2749 1 Yes 2 no Sysmiss RI8.10. Who beside yourself, make or receive calls or messages on this phone number. None QC1. QUESTIONNAIRE ID: QC1. QUESTIONNAIRE ID: QC1. QUESTIONNAIRE ID: QC1. QUESTIONNAIRE ID: QC1. QUESTIONNAIRE ID: 3002 1 3336 QC3.1. Accompanied by Supervisor Date QC3.1. Accompanied by Supervisor Date QC3.1. Accompanied by Supervisor Date QC3.1. Accompanied by Supervisor Date QC3.1. Accompanied by Supervisor Date 1067 01.12.2014 02.12.2014 03.12.2014 04.12.2014 05.12.2014 06.12.2014 07.12.2014 08.12.2014 09.12.2014 10.12.2014 11.12.2014 12.12.2014 13.11.2014 13.12.2014 14.12.2014 15.12.2014 16.12.2014 17.12.2014 18.12.2014 19.12.2014 20.10.2014 20.12.2014 21.12.2014 22.11.2014 22.12.2014 23.12.2014 24.12.2014 25.12.2014 26.12.2014 27.12.2014 29.12.2014 30.12.2014 31.12.2014 QC3.2. Reviewed by Supervisor after fieldwork Date QC3.2. Reviewed by Supervisor after fieldwork Date QC3.2. Reviewed by Supervisor after fieldwork Date QC3.2. Reviewed by Supervisor after fieldwork Date QC3.2. Reviewed by Supervisor after fieldwork Date 980 01.12.2014 02.12.2014 03.12.2014 04.12.2014 05.12.2014 06.12.2014 07.12.2014 08.12.2014 09.12.2014 10.12.2014 11.12.2014 12.12.2014 13.11.2014 13.12.2014 14.12.2014 15.12.2014 16.12.2014 17.12.2014 18.12.2014 19.12.2014 20.10.2014 20.12.2014 21.12.2014 22.11.2014 22.12.2014 23.12.2014 24.12.2014 25.12.2014 26.12.2014 27.12.2014 29.12.2014 30.12.2014 31.12.2014 QC3.3. Back Checked by Supervisor (Physical Visit) Date QC3.3. Back Checked by Supervisor (Physical Visit) Date QC3.3. Back Checked by Supervisor (Physical Visit) Date QC3.3. Back Checked by Supervisor (Physical Visit) Date QC3.3. Back Checked by Supervisor (Physical Visit) Date 900 01.12.2014 02.12.2014 03.12.2014 04.12.2014 05.12.2014 06.12.2014 07.12.2014 08.12.2014 09.12.2014 10.12.2014 11.12.2014 12.12.2014 13.11.2014 13.12.2014 14.12.2014 15.12.2014 16.12.2014 17.12.2014 18.12.2014 19.12.2014 20.10.2014 20.12.2014 21.12.2014 22.11.2014 22.12.2014 23.12.2014 24.12.2014 25.12.2014 26.12.2014 27.12.2014 29.12.2014 30.12.2014 31.12.2014 QC3.4. Back Checked by Supervisor (Phone Call) Date QC3.4. Back Checked by Supervisor (Phone Call) Date QC3.4. Back Checked by Supervisor (Phone Call) Date QC3.4. Back Checked by Supervisor (Phone Call) Date QC3.4. Back Checked by Supervisor (Phone Call) Date 825 01.12.2014 02.12.2014 03.12.2014 04.12.2014 05.12.2014 06.12.2014 07.12.2014 08.12.2014 09.12.2014 10.12.2014 11.12.2014 12.12.2014 13.11.2014 13.12.2014 14.12.2014 15.12.2014 16.12.2014 17.12.2014 18.12.2014 19.12.2014 20.10.2014 20.12.2014 21.12.2014 22.11.2014 22.12.2014 23.12.2014 24.12.2014 25.12.2014 26.12.2014 27.12.2014 29.12.2014 30.12.2014 31.12.2014 WEIGHT. WEIGHT. WEIGHT. WEIGHT. WEIGHT. 3002 0.727 1.819 Is the respondent a male or a female? Is the respondent a male or a female? Is the respondent a male or a female? Is the respondent a male or a female? Is the respondent a male or a female? 3002 1 Male 2 Female UR. Urban or Rural UR. Urban or Rural UR. Urban or Rural UR. Urban or Rural UR. Urban or Rural 3002 1 Urban 2 Rural Eco-status ($2.50 poverty line) Eco-status ($2.50 poverty line) Eco-status ($2.50 poverty line) Eco-status ($2.50 poverty line) Eco-status ($2.50 poverty line) 3002 Above poverty line 1 Below poverty line Do you personally own a mobile phone? Do you personally own a mobile phone? Do you personally own a mobile phone? Do you personally own a mobile phone? Do you personally own a mobile phone? 3002 1 yes 2 No Do you personally have an active/working SIM card? Do you personally have an active/working SIM card? Do you personally have an active/working SIM card? Do you personally have an active/working SIM card? Do you personally have an active/working SIM card? 3002 1 Yes 2 No Have at least one active/working SIM card with Airtel Have at least one active/working SIM card with Airtel Have at least one active/working SIM card with Airtel Have at least one active/working SIM card with Airtel Have at least one active/working SIM card with Airtel 3002 1 Yes Have at least one active/working SIM card with Expresso Have at least one active/working SIM card with Expresso Have at least one active/working SIM card with Expresso Have at least one active/working SIM card with Expresso Have at least one active/working SIM card with Expresso 3002 1 Yes Have at least one active/working SIM card with Glo Have at least one active/working SIM card with Glo Have at least one active/working SIM card with Glo Have at least one active/working SIM card with Glo Have at least one active/working SIM card with Glo 3002 1 Yes Have at least one active/working SIM card with Tigo Have at least one active/working SIM card with Tigo Have at least one active/working SIM card with Tigo Have at least one active/working SIM card with Tigo Have at least one active/working SIM card with Tigo 3002 1 Yes Have at least one active/working SIM card with MTN Have at least one active/working SIM card with MTN Have at least one active/working SIM card with MTN Have at least one active/working SIM card with MTN Have at least one active/working SIM card with MTN 3002 1 Yes Have at least one active/working SIM card with Vodafone Have at least one active/working SIM card with Vodafone Have at least one active/working SIM card with Vodafone Have at least one active/working SIM card with Vodafone Have at least one active/working SIM card with Vodafone 3002 1 Yes LITERACY. LITERACY. LITERACY. LITERACY. LITERACY. 3002 lack of basic literacy 1 Basic literacy NUMERACY. NUMERACY. NUMERACY. NUMERACY. NUMERACY. 3002 Lack of basic numeracy 1 Basic numeracy EDU. Education EDU. Education EDU. Education EDU. Education EDU. Education 3002 1 No formal education 2 Primary education 3 Secondary education 4 Higher education 5 Other Employment Status Employment Status Employment Status Employment Status Employment Status 3002 1 Working within last 12 month 2 Not working within last 12 month 3 Other 4 DK/Refused active30_access_mm: use moblie money within past 30 days active30_access_mm: use moblie money within past 30 days active30_access_mm: use moblie money within past 30 days active30_access_mm: use moblie money within past 30 days active30_access_mm: use moblie money within past 30 days 3002 1 Yes active30_access_MTN: use MTN Mobile Money within past 30 days active30_access_MTN: use MTN Mobile Money within past 30 days active30_access_MTN: use MTN Mobile Money within past 30 days active30_access_MTN: use MTN Mobile Money within past 30 days active30_access_MTN: use MTN Mobile Money within past 30 days 3002 1 Yes active30_access_Airtel: use Airtel Money within past 30 days active30_access_Airtel: use Airtel Money within past 30 days active30_access_Airtel: use Airtel Money within past 30 days active30_access_Airtel: use Airtel Money within past 30 days active30_access_Airtel: use Airtel Money within past 30 days 3002 1 Yes active30_access_tigo: use Tigo Cash within past 30 days active30_access_tigo: use Tigo Cash within past 30 days active30_access_tigo: use Tigo Cash within past 30 days active30_access_tigo: use Tigo Cash within past 30 days active30_access_tigo: use Tigo Cash within past 30 days 3002 1 Yes active90_access_mm: use moblie money within past 90 days active90_access_mm: use moblie money within past 90 days active90_access_mm: use moblie money within past 90 days active90_access_mm: use moblie money within past 90 days active90_access_mm: use moblie money within past 90 days 3002 1 Yes active90_access_MTN: use MTN Mobile Money within past 90 days active90_access_MTN: use MTN Mobile Money within past 90 days active90_access_MTN: use MTN Mobile Money within past 90 days active90_access_MTN: use MTN Mobile Money within past 90 days active90_access_MTN: use MTN Mobile Money within past 90 days 3002 1 Yes active90_access_Airtel: use Airtel Money within past 90 days active90_access_Airtel: use Airtel Money within past 90 days active90_access_Airtel: use Airtel Money within past 90 days active90_access_Airtel: use Airtel Money within past 90 days active90_access_Airtel: use Airtel Money within past 90 days 3002 1 Yes active90_access_tigo: use Tigo Cash within past 90 days active90_access_tigo: use Tigo Cash within past 90 days active90_access_tigo: use Tigo Cash within past 90 days active90_access_tigo: use Tigo Cash within past 90 days active90_access_tigo: use Tigo Cash within past 90 days 3002 1 Yes active30_reg_mm: use registered mobile money account within past 30 days active30_reg_mm: use registered mobile money account within past 30 days active30_reg_mm: use registered mobile money account within past 30 days active30_reg_mm: use registered mobile money account within past 30 days active30_reg_mm: use registered mobile money account within past 30 days 3002 1 Yes active30_reg_MTN: use registered MTN Mobile Money account within past 30 days active30_reg_MTN: use registered MTN Mobile Money account within past 30 days active30_reg_MTN: use registered MTN Mobile Money account within past 30 days active30_reg_MTN: use registered MTN Mobile Money account within past 30 days active30_reg_MTN: use registered MTN Mobile Money account within past 30 days 3002 1 Yes active30_reg_airtel: use registered Airtel Money account within past 30 days active30_reg_airtel: use registered Airtel Money account within past 30 days active30_reg_airtel: use registered Airtel Money account within past 30 days active30_reg_airtel: use registered Airtel Money account within past 30 days active30_reg_airtel: use registered Airtel Money account within past 30 days 3002 1 Yes active30_reg_tigo: use registered Tigo Cash account within past 30 days active30_reg_tigo: use registered Tigo Cash account within past 30 days active30_reg_tigo: use registered Tigo Cash account within past 30 days active30_reg_tigo: use registered Tigo Cash account within past 30 days active30_reg_tigo: use registered Tigo Cash account within past 30 days 3002 1 Yes active90_reg_mm: use registered mobile money account within past 90 days active90_reg_mm: use registered mobile money account within past 90 days active90_reg_mm: use registered mobile money account within past 90 days active90_reg_mm: use registered mobile money account within past 90 days active90_reg_mm: use registered mobile money account within past 90 days 3002 1 Yes active90_reg_MTN: use registered MTN Mobile Money account within past 90 days active90_reg_MTN: use registered MTN Mobile Money account within past 90 days active90_reg_MTN: use registered MTN Mobile Money account within past 90 days active90_reg_MTN: use registered MTN Mobile Money account within past 90 days active90_reg_MTN: use registered MTN Mobile Money account within past 90 days 3002 1 Yes active90_reg_airtel: use registered Airtel Money account within past 90 days active90_reg_airtel: use registered Airtel Money account within past 90 days active90_reg_airtel: use registered Airtel Money account within past 90 days active90_reg_airtel: use registered Airtel Money account within past 90 days active90_reg_airtel: use registered Airtel Money account within past 90 days 3002 1 Yes active90_reg_tigo: use registered Tigo Cash account within past 90 days active90_reg_tigo: use registered Tigo Cash account within past 90 days active90_reg_tigo: use registered Tigo Cash account within past 90 days active90_reg_tigo: use registered Tigo Cash account within past 90 days active90_reg_tigo: use registered Tigo Cash account within past 90 days 3002 1 Yes inactive_reg_mm: have registered mobile money account but didn't use it in the p inactive_reg_mm: have registered mobile money account but didn't use it in the p inactive_reg_mm: have registered mobile money account but didn't use it in the p inactive_reg_mm: have registered mobile money account but didn't use it in the p inactive_reg_mm: have registered mobile money account but didn't use it in the p 3002 1 Yes inactive_reg_mm: have registered mobile money account but didn't use it in the past 90 days inactive_reg_MTN: have registered MTN Mobile Money account but didn't use it in inactive_reg_MTN: have registered MTN Mobile Money account but didn't use it in inactive_reg_MTN: have registered MTN Mobile Money account but didn't use it in inactive_reg_MTN: have registered MTN Mobile Money account but didn't use it in inactive_reg_MTN: have registered MTN Mobile Money account but didn't use it in 3002 1 Yes inactive_reg_MTN: have registered MTN Mobile Money account but didn't use it in the past 90 days inactive_reg_airtel: have registered Airtel Money account but didn't use it in t inactive_reg_airtel: have registered Airtel Money account but didn't use it in t inactive_reg_airtel: have registered Airtel Money account but didn't use it in t inactive_reg_airtel: have registered Airtel Money account but didn't use it in t inactive_reg_airtel: have registered Airtel Money account but didn't use it in t 3002 1 Yes inactive_reg_airtel: have registered Airtel Money account but didn't use it in the past 90 days inactive_reg_Tigo: have registered Tigo Cash account but didn't use it in the pa inactive_reg_Tigo: have registered Tigo Cash account but didn't use it in the pa inactive_reg_Tigo: have registered Tigo Cash account but didn't use it in the pa inactive_reg_Tigo: have registered Tigo Cash account but didn't use it in the pa inactive_reg_Tigo: have registered Tigo Cash account but didn't use it in the pa 3002 1 Yes inactive_reg_Tigo: have registered Tigo Cash account but didn't use it in the past 90 days active30_nonreg_mm: use mobile money in past 30 days but don't have any register active30_nonreg_mm: use mobile money in past 30 days but don't have any register active30_nonreg_mm: use mobile money in past 30 days but don't have any register active30_nonreg_mm: use mobile money in past 30 days but don't have any register active30_nonreg_mm: use mobile money in past 30 days but don't have any register 3002 1 Yes active30_nonreg_mm: use mobile money in past 30 days but don't have any registered mobile money account active30_nonreg_MTN: use MTN mobile money in past 30 days but don't have registe active30_nonreg_MTN: use MTN mobile money in past 30 days but don't have registe active30_nonreg_MTN: use MTN mobile money in past 30 days but don't have registe active30_nonreg_MTN: use MTN mobile money in past 30 days but don't have registe active30_nonreg_MTN: use MTN mobile money in past 30 days but don't have registe 3002 1 Yes active30_nonreg_MTN: use MTN mobile money in past 30 days but don't have registered MTN mobile money account active30_nonreg_airtel: use Airtel Money in past 30 days but don't have register active30_nonreg_airtel: use Airtel Money in past 30 days but don't have register active30_nonreg_airtel: use Airtel Money in past 30 days but don't have register active30_nonreg_airtel: use Airtel Money in past 30 days but don't have register active30_nonreg_airtel: use Airtel Money in past 30 days but don't have register 3002 1 Yes active30_nonreg_airtel: use Airtel Money in past 30 days but don't have registered Airtel Money account active30_nonreg_tigo: use Tigo Cash in past 30 days but don't have registered Ti active30_nonreg_tigo: use Tigo Cash in past 30 days but don't have registered Ti active30_nonreg_tigo: use Tigo Cash in past 30 days but don't have registered Ti active30_nonreg_tigo: use Tigo Cash in past 30 days but don't have registered Ti active30_nonreg_tigo: use Tigo Cash in past 30 days but don't have registered Ti 3002 1 Yes active30_nonreg_tigo: use Tigo Cash in past 30 days but don't have registered Tigo Cash account active90_nonreg_mm: use mobile money in past 90 days but don't have any register active90_nonreg_mm: use mobile money in past 90 days but don't have any register active90_nonreg_mm: use mobile money in past 90 days but don't have any register active90_nonreg_mm: use mobile money in past 90 days but don't have any register active90_nonreg_mm: use mobile money in past 90 days but don't have any register 3002 1 Yes active90_nonreg_mm: use mobile money in past 90 days but don't have any registered mobile money account active90_nonreg_MTN: use MTN mobile money in past 90 days but don't have registe active90_nonreg_MTN: use MTN mobile money in past 90 days but don't have registe active90_nonreg_MTN: use MTN mobile money in past 90 days but don't have registe active90_nonreg_MTN: use MTN mobile money in past 90 days but don't have registe active90_nonreg_MTN: use MTN mobile money in past 90 days but don't have registe 3002 1 Yes active90_nonreg_MTN: use MTN mobile money in past 90 days but don't have registered MTN mobile money account active90_nonreg_airtel: use Airtel Money in past 90 days but don't have registe active90_nonreg_airtel: use Airtel Money in past 90 days but don't have registe active90_nonreg_airtel: use Airtel Money in past 90 days but don't have registe active90_nonreg_airtel: use Airtel Money in past 90 days but don't have registe active90_nonreg_airtel: use Airtel Money in past 90 days but don't have registe 3002 1 Yes active90_nonreg_airtel: use Airtel Money in past 90 days but don't have registered Airtel Money account active90_nonreg_tigo: use Tigo Cash in past 90 days but don't have registered Ti active90_nonreg_tigo: use Tigo Cash in past 90 days but don't have registered Ti active90_nonreg_tigo: use Tigo Cash in past 90 days but don't have registered Ti active90_nonreg_tigo: use Tigo Cash in past 90 days but don't have registered Ti active90_nonreg_tigo: use Tigo Cash in past 90 days but don't have registered Ti 3002 1 Yes active90_nonreg_tigo: use Tigo Cash in past 90 days but don't have registered Tigo Cash account super_mm: used registered mobile money account in past 7 days and have ever used super_mm: used registered mobile money account in past 7 days and have ever used super_mm: used registered mobile money account in past 7 days and have ever used super_mm: used registered mobile money account in past 7 days and have ever used super_mm: used registered mobile money account in past 7 days and have ever used 3002 1 Yes super_mm: used registered mobile money account in past 7 days and have ever used at least one advance activity Access_mm:Adults with access to an MM account(binary) Access_mm:Adults with access to an MM account(binary) Access_mm:Adults with access to an MM account(binary) Access_mm:Adults with access to an MM account(binary) Access_mm:Adults with access to an MM account(binary) 3002 No 1 Yes Registered_mm: Adults hold a m-money accounts Registered_mm: Adults hold a m-money accounts Registered_mm: Adults hold a m-money accounts Registered_mm: Adults hold a m-money accounts Registered_mm: Adults hold a m-money accounts 3002 No 1 Yes have a registered MTN mobile money account have a registered MTN mobile money account have a registered MTN mobile money account have a registered MTN mobile money account have a registered MTN mobile money account 3002 No 1 Yes have a registered Airtel money account have a registered Airtel money account have a registered Airtel money account have a registered Airtel money account have a registered Airtel money account 3002 No 1 Yes have a registered Tigo cash account have a registered Tigo cash account have a registered Tigo cash account have a registered Tigo cash account have a registered Tigo cash account 3002 No 1 Yes Aware_mm_provider: Adults are aware of at least one of the mobile money provider Aware_mm_provider: Adults are aware of at least one of the mobile money provider Aware_mm_provider: Adults are aware of at least one of the mobile money provider Aware_mm_provider: Adults are aware of at least one of the mobile money provider Aware_mm_provider: Adults are aware of at least one of the mobile money provider 3002 Not aware of mm provider 1 Aware of mm provider Sysmiss Aware_mm_provider: Adults are aware of at least one of the mobile money providers unaware_nonuser_mm: Not aware mobile money providers and doesn't use mobile mone unaware_nonuser_mm: Not aware mobile money providers and doesn't use mobile mone unaware_nonuser_mm: Not aware mobile money providers and doesn't use mobile mone unaware_nonuser_mm: Not aware mobile money providers and doesn't use mobile mone unaware_nonuser_mm: Not aware mobile money providers and doesn't use mobile mone 3002 1 Yes unaware_nonuser_mm: Not aware mobile money providers and doesn't use mobile money aware_nonuser_mm: awar emobile money providers but doesn't use mobile money aware_nonuser_mm: awar emobile money providers but doesn't use mobile money aware_nonuser_mm: awar emobile money providers but doesn't use mobile money aware_nonuser_mm: awar emobile money providers but doesn't use mobile money aware_nonuser_mm: awar emobile money providers but doesn't use mobile money 3002 1 Yes active30_access_bank_full: access full service bank accounts within past 30 days active30_access_bank_full: access full service bank accounts within past 30 days active30_access_bank_full: access full service bank accounts within past 30 days active30_access_bank_full: access full service bank accounts within past 30 days active30_access_bank_full: access full service bank accounts within past 30 days 3002 1 Yes active90_access_bank_full: access full service bank accounts within past 90 days active90_access_bank_full: access full service bank accounts within past 90 days active90_access_bank_full: access full service bank accounts within past 90 days active90_access_bank_full: access full service bank accounts within past 90 days active90_access_bank_full: access full service bank accounts within past 90 days 3002 1 Yes active30_reg_bank_full: use registered full service bank accounts within past 30 active30_reg_bank_full: use registered full service bank accounts within past 30 active30_reg_bank_full: use registered full service bank accounts within past 30 active30_reg_bank_full: use registered full service bank accounts within past 30 active30_reg_bank_full: use registered full service bank accounts within past 30 3002 1 Yes active30_reg_bank_full: use registered full service bank accounts within past 30 days active90_reg_bank_full: use registered full service bank accounts within past 90 active90_reg_bank_full: use registered full service bank accounts within past 90 active90_reg_bank_full: use registered full service bank accounts within past 90 active90_reg_bank_full: use registered full service bank accounts within past 90 active90_reg_bank_full: use registered full service bank accounts within past 90 3002 1 Yes active90_reg_bank_full: use registered full service bank accounts within past 90 days active30_nonreg_bank_full: use nonregistered full service bank accounts within p active30_nonreg_bank_full: use nonregistered full service bank accounts within p active30_nonreg_bank_full: use nonregistered full service bank accounts within p active30_nonreg_bank_full: use nonregistered full service bank accounts within p active30_nonreg_bank_full: use nonregistered full service bank accounts within p 3002 1 Yes active30_nonreg_bank_full: use nonregistered full service bank accounts within past 30 days active90_nonreg_bank_full: use nonregistered full service bank accounts within p active90_nonreg_bank_full: use nonregistered full service bank accounts within p active90_nonreg_bank_full: use nonregistered full service bank accounts within p active90_nonreg_bank_full: use nonregistered full service bank accounts within p active90_nonreg_bank_full: use nonregistered full service bank accounts within p 3002 1 Yes active90_nonreg_bank_full: use nonregistered full service bank accounts within past 90 days inactive_reg_bank_full: registered full service bank accounts but don't use it i inactive_reg_bank_full: registered full service bank accounts but don't use it i inactive_reg_bank_full: registered full service bank accounts but don't use it i inactive_reg_bank_full: registered full service bank accounts but don't use it i inactive_reg_bank_full: registered full service bank accounts but don't use it i 3002 1 Yes inactive_reg_bank_full: registered full service bank accounts but don't use it in past 90 days access_bank_full: Adults with access to a full service bank access_bank_full: Adults with access to a full service bank access_bank_full: Adults with access to a full service bank access_bank_full: Adults with access to a full service bank access_bank_full: Adults with access to a full service bank 3002 Full service bank nonuser 1 Full service bank user have a registered full service bank account have a registered full service bank account have a registered full service bank account have a registered full service bank account have a registered full service bank account 3002 No 1 Yes active30_access_nbfi: access nbfi within past 30 days active30_access_nbfi: access nbfi within past 30 days active30_access_nbfi: access nbfi within past 30 days active30_access_nbfi: access nbfi within past 30 days active30_access_nbfi: access nbfi within past 30 days 3002 1 Yes active90_access_nbfi: access nbfi within past 90 days active90_access_nbfi: access nbfi within past 90 days active90_access_nbfi: access nbfi within past 90 days active90_access_nbfi: access nbfi within past 90 days active90_access_nbfi: access nbfi within past 90 days 3002 1 Yes active30_reg_nbfi: use registered nbfi within past 30 days active30_reg_nbfi: use registered nbfi within past 30 days active30_reg_nbfi: use registered nbfi within past 30 days active30_reg_nbfi: use registered nbfi within past 30 days active30_reg_nbfi: use registered nbfi within past 30 days 3002 1 Yes active90_reg_nbfi: use registered nbfi within past 90 days active90_reg_nbfi: use registered nbfi within past 90 days active90_reg_nbfi: use registered nbfi within past 90 days active90_reg_nbfi: use registered nbfi within past 90 days active90_reg_nbfi: use registered nbfi within past 90 days 3002 1 Yes active30_nonreg_nbfi: use nonregistered nbfi account within past 30 days active30_nonreg_nbfi: use nonregistered nbfi account within past 30 days active30_nonreg_nbfi: use nonregistered nbfi account within past 30 days active30_nonreg_nbfi: use nonregistered nbfi account within past 30 days active30_nonreg_nbfi: use nonregistered nbfi account within past 30 days 3002 1 Yes active90_nonreg_nbfi: use nonregistered nbfi account within past 90 days active90_nonreg_nbfi: use nonregistered nbfi account within past 90 days active90_nonreg_nbfi: use nonregistered nbfi account within past 90 days active90_nonreg_nbfi: use nonregistered nbfi account within past 90 days active90_nonreg_nbfi: use nonregistered nbfi account within past 90 days 3002 1 Yes inactive_reg_nbfi: registered nbfi account but don't use it in the past 90 days inactive_reg_nbfi: registered nbfi account but don't use it in the past 90 days inactive_reg_nbfi: registered nbfi account but don't use it in the past 90 days inactive_reg_nbfi: registered nbfi account but don't use it in the past 90 days inactive_reg_nbfi: registered nbfi account but don't use it in the past 90 days 3002 1 Yes access_nbfi: access nbfi account access_nbfi: access nbfi account access_nbfi: access nbfi account access_nbfi: access nbfi account access_nbfi: access nbfi account 3002 No 1 Yes registered_nbfi: Adults hold a nbfi account registered_nbfi: Adults hold a nbfi account registered_nbfi: Adults hold a nbfi account registered_nbfi: Adults hold a nbfi account registered_nbfi: Adults hold a nbfi account 3002 No 1 Yes