DDI_IDN_2021_KUR_v01_M_WB Development Data Group 2024-08-12 Metadata Editor Version 01 (August 2024) IDN_2021_KUR_v01_M Survey of Businesses Receiving The People's Business Credit 2021 KUR 2021 Coordinating Ministry for Economic Affairs Republic of Indonesia Metadata Editor In 2007, the Government of Indonesia launched the “People’s Business Loan” (Kredit Usaha Rakyat, KUR) program as a flagship public program to enhance MSMEs’ access to finance. Since its inception, KUR has grown into one of the world’s largest public support programs for MSMEs. This survey includes a nationally representative sample of 1,402 KUR borrowers who received micro or small KUR loans between December 2015 and March 2020. The survey covers basic business information, business practices, workers, revenue, financial history prior to receiving KUR for the first time, and financial history after receiving KUR for the first time. In addition, firms were asked one of two of the following modules: experiences with the KUR program or impact of COVID-19 on the business. The data was collected by phone in January and February 2021, and weighted stratified sampling was used to ensure a representative sample and enable subgroup analysis. Indonesia Nationally representative survey of KUR borrowers Business Businesses who received KUR loans between December 2015 and March 2020. Sample survey data [ssd] Regional Economic Development Institute In practice, there were two extra interviews conducted, leading to a total number of interviews of 1,402 instead of the targeted 1,400 interviews. The design weights used in the analysis were adjusted to the actual number of interviews conducted in each strata. Other [oth] Quantitative data was collected from 1,402 KUR beneficiaries between January 15 and January 31, 2021. Due to the COVID-19 pandemic, all interviews were carried out over the phone. All firms were asked modules on basic business information (including sector of activity business ownership and management structure), business practices, workers, revenue, financial history prior to receiving KUR for the first time, and financial history after receiving KUR for the first time. In addition, firms were asked one of two of the following modules: impact of COVID-19 on the business (questionnaire A) or experiences with the KUR program (questionnaire B). These modules were not asked of all respondents due to concerns about survey length and respondent fatigue. On average, interviews using questionnaire A lasted approximately 40 minutes, while interviews using questionnaire B lasted approximately 38 minutes. Finally, detailed information on firms that had closed was also collected in cases where the business was no longer operational. The dataset includes a sampling weight variable (wgt) that should be used if nationally representative statistics are desired. Overall, 10,789 phone-calls were attempted. Of these calls, about 30 percent of the calls were not connected and classified as ‘voice mail’, 15 percent were notified that the number is inactive, and 13 percent were notified that the number is not registered. 28 percent of the overall phone-call attempts were connected, and 13 percent were successfully interviewed. All personally identifiable information has been removed from the datasets to respect the confidentiality of the participants. main_deidentified.dta 1404 355 .dta Main data about business bi03_deidentified.dta 1624 6 .dta Business owner roster bi05_deidentified.dta 1897 5 .dta Manager roster bi08_deidentified.dta 822 9 .dta Information about ownership of another business rf05_deidentified.dta 2449 8 .dta Information about loans received from a commercial bank rf15_deidentified.dta 5616 7 .dta Access to assets that could be used as collateral for a bank loan province 1404 district/city 1404 cov04c. Respondent’S Classification 1404 1 2 1 1. MODULE/QUESTIONNAIRE A 702 2 2. MODULE/QUESTIONNAIRE B 702 strata. Strata 1404 1 40 1 1. STRATA 1 32 2 2. STRATA 2 44 3 3. STRATA 3 32 4 4. STRATA 4 32 5 5. STRATA 5 203 6 6. STRATA 6 200 7 7. STRATA 7 16 8 8. STRATA 8 16 9 9. STRATA 9 16 10 10. STRATA 10 16 11 11. STRATA 11 16 12 12. STRATA 12 16 13 13. STRATA 13 24 14 14. STRATA 14 44 15 15. STRATA 15 16 16 16. STRATA 16 16 17 17. STRATA 17 16 18 18. STRATA 18 16 19 19. STRATA 19 16 20 20. STRATA 20 17 21 21. STRATA 21 22 22 22. STRATA 22 34 23 23. STRATA 23 16 24 24. STRATA 24 16 25 25. STRATA 25 16 26 26. STRATA 26 16 27 27. STRATA 27 16 28 28. STRATA 28 16 29 29. STRATA 29 46 30 30. STRATA 30 72 31 31. STRATA 31 16 32 32. STRATA 32 16 33 33. STRATA 33 16 34 34. STRATA 34 16 35 35. STRATA 35 16 36 36. STRATA 36 18 37 37. STRATA 37 66 38 38. STRATA 38 134 39 39. STRATA 39 16 40 40. STRATA 40 16 no_urut. Order 1404 1 3996 Unique ID 1404 gender. Gender 1404 1 2 1 771 2 633 gender_text 1404 education. Pendidikan 1404 1 6 1 672 2 162 3 437 4 34 5 47 6 52 pendidikan_text 1404 tgl_pengajuan 1404 1404 sq02. Ever Applied Kur 1404 1 1 1 1. Yes 1404 3 3. No 0 sq03. Application Own Name 1404 1 1 1 1. Yes 1404 3 3. No 0 sq04. Ever Received Kur 1404 1 1 1 1. Yes 1404 3 3. No 0 sq05. Business Kur Application 1404 1 3 1 1. Owner 34 2 2. Manager 28 3 3. Both, owner and manager 1342 4 4. Neither owner or manager 0 ir01c. Gender 1404 1 3 1 1. Male 776 3 3. Female 628 ir01d. Note Discrepancy 1404 1 96 1 1. ERROR IN DATABASE 21 96 96. NO DISCRPENACY 1383 ir01e. Highest Education 1404 1 8 1 1. No attended school 5 2 2. Not complete elementary school (SD)/ Madrasah Ibtidaiyah (MI)/equivalent 39 3 3. Elementary school (SD)/ Madrasah Ibtidaiyah (MI)/equivalent 297 4 4. Junior high school (SMP)/ vocational junior high school (ST)/ Madrasah Tsanawiyah (MTs))/equivalent 272 5 5. Senior high school (SMA)/ vocational senior high school (STM/SMK)/ Madrasah Aaliyah (MA)/equivalent 585 6 6. D1/D2/D3 44 7 7. D4/S1 156 8 8. S2/S3 6 ir01f. Note Discrepancy 1404 1 96 1 1. ERROR IN DATABASE 704 2 2. CONTINUED THE EDUCATION AFTER APPLY FOT KUR LOAN 10 95 95. OTHERS, SPECIFY, ___________ 53 96 96. NO DISCREPANCY 637 ir02b. Gender 76 1328 1 3 1 1. Male 47 3 3. Female 29 Sysmiss 1328 ir02c. Highest Education 76 1328 2 7 1 1. No attended school 0 2 2. Not complete elementary school (SD)/ Madrasah Ibtidaiyah (MI)/equivalent 6 3 3. Elementary school (SD)/ Madrasah Ibtidaiyah (MI)/equivalent 12 4 4. Junior high school (SMP)/ vocational junior high school (ST)/ Madrasah Tsanawiyah (MTs))/equivalent 14 5 5. Senior high school (SMA)/ vocational senior high school (STM/SMK)/ Madrasah Aaliyah (MA)/equivalent 28 6 6. D1/D2/D3 4 7 7. D4/S1 12 8 8. S2/S3 0 Sysmiss 1328 date application 1404 note discrepancy 1404 ir03a_w. No Discrepancy 1404 0 1 0 356 1 1048 ir03a_b. Incorrect Month 1404 0 1 0 1338 1 66 ir03a_c. Incorrect Year 1404 0 1 0 1371 1 33 ir03a_d. Forgot Date 1404 0 1 0 1082 1 322 ir03a_v. Other 1404 0 0 1404 ir05. Status Business 1404 1 3 1 1. ACTIVE 1238 2 2. CLOSED, PERMANENT └─┴─┴─┴─┘[YYYY] 89 3 3. CLOSED, TEMPORARY └─┴─┴─┴─┘[YYYY] 77 ir05_tahun. Close Year 166 1238 2015 2021 2015 1 2016 4 2017 7 2018 25 2019 39 2020 82 2021 8 Sysmiss 1238 date started 1404 note discrepancy 1404 ir06a_w. No Discrepancy 1404 0 1 0 677 1 727 ir06a_b. Incorrect Month 1404 0 1 0 1272 1 132 ir06a_c. Incorrect Year 1404 0 1 0 904 1 500 ir06a_d. Legality 1404 0 1 0 1389 1 15 ir06a_e. Forgot The Date 1404 0 1 0 830 1 574 ir06a_v. Other 1404 0 1 0 1401 1 3 sector business 1404 bi01b_sector. Sector Business 1404 1 96 1 1. CROP AND ANIMAL PRODUCTION, HUNTING AND RELATED SERVICE ACTIVITIES 288 2 2. FORESTRY AND LOGGING 1 3 3. FISHING AND AQUACULTURE 34 7 7. MINING OF METAL ORES 0 8 8. OTHER MINING AND QUARRYING 6 10 10. MANUFACTURE OF FOOD PRODUCTS 76 11 11. MANUFACTURE OF BEVERAGES 2 12 12. MANUFACTURE OF TOBACCO PRODUCTS 0 13 13. MANUFACTURE OF TEXTILES 8 14 14. MANUFACTURE OF WEARING APPAREL 34 15 15. MANUFACTURE OF LEATHER AND RELATED PRODUCT 2 16 16. MANUFACTURE OF FOOD AND OF PRODUCTS OF WOOD AND CORK, EXCEPT FURNITUR; MANUFACTURE OF ARTICLES OF STRAW AND PLAITING MATERIALS 13 18 9 20 1 22 1 23 23. MANUFACTURE OF OTHER NON-METALLIC MINERAL PRODUCTS 14 25 6 26 1 27 2 31 31. MANUFACTURE OF FURNITURE 17 32 4 41 2 43 5 45 45. WHOLESALE AND RETAIL TRADE AND REPAIR OF MOTOR VEHICLES AND MOTORCYCLES 36 46 46. WHOLESALE TRADE, EXCEPT OF MOTOR VEHICLES AND MOTORCYCLES 69 47 47. RETAIL TRADE, EXCEPT OF MOTOR VEHICLES AND MOTORCYCLES 503 49 49. LAND TRANSPORT AND TRANSPORT VIA PIPELINES 18 50 2 52 1 55 55. ACCOMMODATION 24 56 56. FOOD AND BEVERAGE SERVICE ACTIVITIES 170 61 10 64 64. FINANCIAL SERVICE ACTIVITIES, EXCEPT INSURANCE AND PENSION FUNDING 2 74 1 77 7 85 1 86 2 90 1 93 93. SPORT ACTIVITIES AND AMUSEMENT AND RECREATION ACTIVITIES 1 95 95. OTHERS, PLEASE DETAIL_________________ 8 96 96. OTHER PERSONAL SERVICE ACTIVITIES 22 bi01b_subsector. Sub Sector Business 1404 11 969 11 11. GROWING NON-PERENNIAL CROPS 101 12 12. GROWING OF PERENNIAL CROPS 109 13 13. PLAN PROPAGATION 0 14 14. ANIMAL PRODUCTION 77 16 16. SUPPORT ACTIVITIES TO AGRICULTURE AND POST-HARVEST CROP ACTIVITIES 0 17 17. HUNTING, TRAPPING AND RELATED SERVICE ACTIVITIES 1 21 21. SILVICULTURE AND OTHER FORESTRY ACTIVITIES 0 22 22. LOGGING 0 23 23. GATHERING OF NON-WOOD FOREST PRODUCT 1 24 24. SUPPORT SERVICES TO FORESTRY 0 31 31. FISHING 13 32 32. AQUACULTURE 21 71 71. MINING OF IRON ORES 0 72 72. MINING ON-FERROUS METAL ORES 0 73 73. MINING OF NOBLE METAL ORES 0 81 81. QUARRYING OF STONE, SAND AND CLAY 3 89 89. MINING AND QUARRYING n.e.c 3 101 101. PROCESSING AND PRESERVING OF MEAT 1 102 102. PROCESSING AND PRESERVING OF FISH, CRUSTACEANS AND MOLLUCS 2 103 103. PROCESSING AND PRESERVING OF FRUIT AND VEGETABLES 4 104 104. MANUFACTURE OF VEGETABLE AND ANIMAL OILS AND FATS 1 105 105. MANUFACTURE OF DAIRY PRODUCTS 0 106 106. MANUFACTURE OF GRAIN MILL PRODUCTS, STARCHES AND STARCH PRODUCTS 12 107 107. MANUFACTURE OF OTHER FOOD PRODUCTS 56 110 110. MANUFACTURE OF BEVERAGES 2 120 120. MANUFACTURE OF TOBACCO PRODUCTS 0 131 131. SPINNING, WEAVING AND FINISHING OF TEXTILES 7 139 139. MANUFACTURE OF OTHER TEXTILES 1 141 141. MANUFACTURE OF WEARING APPAREL, EXCEPT FUR APPAREL 34 142 142. MANUFACTURE OF ARTICLES OF FUR 0 143 143. MANUFACTURE OF KNITTED AND CROCHETED APPAREL 0 151 151. TANNING AND DRESSING OF LEATHER, MANUFACTURE OF LUGGAGE, HANDBAGS, SADDLERY AND HARNESS, DRESSING AND DYEING OF FUR 0 152 152. MANUFACTUR OF FOOTWEAR 2 161 161. SAWMILLING PLANING OF WOOD 2 162 162. MANUFACTURE OF PRODUCTS OF WOOD, CORK, STRAW AND PLAITING MATERIALS 11 181 9 202 1 222 1 231 231. MANUFACTURE OF GLASS AND GLASS PRODUCTS 1 239 239. MANUFACTURE OF NON-METALLIC MINERAL PRODUCTS n.e.c 13 259 6 264 1 275 2 310 310. MANUFACTURE OF FURNITURE 17 321 2 329 2 410 2 432 3 433 2 451 1 452 452. MAINTENANCE AND REPAIR OF MOTOR VEHICLES 9 453 2 454 454. SALE, MAINTENANCE AND REPAIR OF MOTORCYCLES AND RELATED PARTS AND ACCESORIES 24 461 1 462 462. WHOLESALE OF AGRICULTURAL RAW MATERIALS AND LIVE ANIMALS 47 463 463. WHOLESALE OF FOOD, BEVERAGES AND TOBACCO 10 464 464. WHOLESALE OF HOUSEHOLD GOODS 4 466 466. OTHER SPECIALIZED WHOLESALE 3 468 1 469 3 471 471. RETAIL SALE IN NON-SPESIALIZED STORES 238 472 472. RETAIL SALE OF FOOD, BEVERAGES OR TOBACCO PREDOMINATING 55 473 473. RETAIL SALE OF AUTOMOTIVE FUEL IN SPESIALIZED STORES 4 474 1 475 475. RETAIL SALE OF OTHER HOUSEHOLD EQUPMENT IN SPESIALIZED STORE 28 476 7 477 73 478 478. RETAIL SALE VIA STALLS AND MARKET 37 479 60 492 492. BUS TRANSPORT 1 494 494. LAND TRANSPORT, EXCEPT BUS 17 501 2 522 1 551 551. SHORT-TERM ACCOMMODATION ACTIVITIES 0 559 559. OTHER ACCOMMODATION 24 561 561. RESTAURANT AND MOBILE FOOD SERVICE ACTIVITIES 149 562 562. EVENT CATERING AND OTHER FOOD SERVICE ACTIVITIES 10 563 563. BEVERAGE SERVING ACTIVITIES 11 619 10 641 641. MONETARY INTERMEDIATION 2 741 1 772 5 773 2 854 1 862 1 869 1 900 1 932 932. OTHER AMUSEMENT AND RECREATION ACTIVITIES 1 952 8 961 961. PERSONAL SERVICES FOR FITNESS ACTIVITIES, EXCEPT SPORTS 18 962 962. LAUNDRY ACTIVITIES 0 969 969. OTHER PERSONAL SERVICE ACTIVITIES n.e.c. 4 bi02x. How Many Owners 1404 1 1 1 1. RESPONDED 1404 98 98. DO NOT KNOW 0 bi02. Many Owners 1404 1 7 1 1200 2 193 3 9 4 1 7 1 bi02_repeat_count. Bi02_Repeat_Count 1404 1 7 1 1200 2 193 3 9 4 1 7 1 bi03calc. Business Owners 1404 100 100 100 1404 bi04x. Any Managers 1404 1 1 1 1. RESPONDED 1404 98 98. DO NOT KNOW 0 bi04. Many Managers 1404 1 6 1 948 2 426 3 25 4 4 6 1 bi04_repeat_count. 1404 1 6 1 948 2 426 3 25 4 4 6 1 BI06 Siapa saja yang membuat keputusan keuangan untuk usaha ${BI01a}? JAWABAN H 1404 bi06_a. Bi06_A 1404 0 1 0 83 1 1321 bi06_b. Bi06_B 1404 0 1 0 1261 1 143 bi06_c. Bi06_C 1404 0 1 0 1399 1 5 bi06_d. Bi06_D 1404 0 0 1404 bi06_e. Bi06_E 1404 0 0 1404 bi06_f. Bi06_F 1404 0 0 1404 bi06_g. Bi06_G 1404 0 0 1404 bi06_h. Bi06_H 1404 0 0 1404 bi06_i. Bi06_I 1404 0 0 1404 bi06_j. Bi06_J 1404 0 0 1404 bi06_k. Bi06_K 1404 0 1 0 608 1 796 bi06_l. Bi06_L 1404 0 1 0 1127 1 277 bi06_m. Bi06_M 1404 0 1 0 1397 1 7 bi06_n. Bi06_N 1404 0 1 0 1403 1 1 bi06_o. Bi06_O 1404 0 0 1404 bi06_p. Bi06_P 1404 0 0 1404 bi06_q. Bi06_Q 1404 0 0 1404 bi06_r. Bi06_R 1404 0 0 1404 bi06_s. Bi06_S 1404 0 0 1404 bi06_t. Bi06_T 1404 0 0 1404 bi06_z. Bi06_Z 1404 0 1 0 1253 1 151 bi06_v. Bi06_V 1404 0 1 0 1386 1 18 bi06_calc. Bi06_Calc 1404 1 6 1 526 2 542 3 245 4 85 5 3 6 3 BI06a Jika ada lebih dari satu yang membuat keputusan keuangan untuk usaha ${BI 1404 BI07 Dokumen apa saja yang dimiliki oleh usaha ${BI01a}? 1404 bi07_a. Bi07_A 1404 0 1 0 1315 1 89 bi07_b. Bi07_B 1404 0 1 0 1215 1 189 bi07_c. Bi07_C 1404 0 1 0 1212 1 192 bi07_d. Bi07_D 1404 0 1 0 1292 1 112 bi07_e. Bi07_E 1404 0 1 0 1371 1 33 bi07_f. Bi07_F 1404 0 1 0 1324 1 80 bi07_g. Bi07_G 1404 0 1 0 317 1 1087 bi07_v. Bi07_V 1404 0 1 0 1374 1 30 bi07_w. Bi07_W 1404 0 1 0 1210 1 194 bi07_y. Bi07_Y 1404 0 1 0 1400 1 4 bi08a. Bi08.A Apakah I/B/S Memiliki Dan/Atau Me 1404 1 3 1 1. Yes 676 3 3. No 728 bi08b. Bi08.B Jika Ya, Berapa Jumlah Usaha Lain 676 728 1 5 1 559 2 92 3 22 4 2 5 1 Sysmiss 728 Usaha 1 1404 Usaha 2 1404 Usaha 3 1404 Usaha 4 1404 Usaha 5 1404 bi08b6. 1404 * Sysmiss 1404 bi08b7. 1404 * Sysmiss 1404 bi08b8. 1404 * Sysmiss 1404 bi08b9. 1404 * Sysmiss 1404 bi08_repeat_count. Bi08_Repeat_Count 676 728 1 5 1 559 2 92 3 22 4 2 5 1 Sysmiss 728 cl01x. Was Business Close 166 1238 1 3 1 1. Yes 82 3 3. No 84 Sysmiss 1238 cl01a. Month Close 1404 cl01b. Related Pandemic 82 1322 1 3 1 1. Yes 72 3 3. No 10 Sysmiss 1322 why business close 1404 cl02_a. Difficult Inputs Material 166 1238 0 1 0 154 1 12 Sysmiss 1238 cl02_b. Increased Price 166 1238 0 1 0 164 1 2 Sysmiss 1238 cl02_c. Beyond Consumer’S Ability 166 1238 0 0 166 Sysmiss 1238 cl02_d. Difficult Access Capital 166 1238 0 1 0 133 1 33 Sysmiss 1238 cl02_e. Decreasing In Demand 166 1238 0 1 0 103 1 63 Sysmiss 1238 cl02_f. Business Competition 166 1238 0 1 0 160 1 6 Sysmiss 1238 cl02_g. Changed Business 166 1238 0 1 0 142 1 24 Sysmiss 1238 cl02_h. Natural Disaster 166 1238 0 1 0 156 1 10 Sysmiss 1238 cl02_i. Family Reasons 166 1238 0 1 0 152 1 14 Sysmiss 1238 cl02_j. Other Personal Reasons 166 1238 0 1 0 158 1 8 Sysmiss 1238 cl02_v. Others 166 1238 0 1 0 108 1 58 Sysmiss 1238 reasons close business 1404 cl03_a. Full Time Salaried 166 1238 0 20 0 123 1 18 2 10 3 7 4 1 5 3 6 2 7 1 20 1 Sysmiss 1238 cl03_b. Part Time Wage 166 1238 0 30 0 135 1 7 2 8 3 2 4 3 5 4 6 1 8 1 10 3 23 1 30 1 Sysmiss 1238 cl03_c. Unpaid Workers 166 1238 0 9 0 82 1 54 2 22 3 6 4 1 9 1 Sysmiss 1238 cl03_d. Total Workers 166 1238 0 30 0 43 1 53 2 27 3 13 4 11 5 5 6 3 9 3 10 2 11 1 14 1 16 1 25 1 28 1 30 1 Sysmiss 1238 cl04ax. Do You Nknow Average Sales 166 1238 1 3 1 1. Yes 154 3 3. No 12 Sysmiss 1238 cl04a. Average Monthly Sales 154 1250 0 195000000 cl04b_min. Minimum Sales 12 1392 50000 6000000 50000 1 200000 1 900000 1 1500000 1 2000000 2 3000000 2 4200000 1 6000000 3 Sysmiss 1392 cl04b_max. Maximum Sales 12 1392 500000 36000000 500000 1 1000000 1 2000000 1 3000000 1 5000000 2 6000000 1 7000000 1 7280000 1 9000000 2 36000000 1 Sysmiss 1392 cl04c. Best Estimated Value 12 1392 300000 24000000 300000 1 500000 1 1700000 1 2500000 1 3000000 1 3500000 1 4500000 1 5000000 1 6000000 1 6300000 1 7500000 1 24000000 1 Sysmiss 1392 cl05ax. Do You Know Average Profit 166 1238 1 1 1 1. Yes 166 3 3. No 0 Sysmiss 1238 cl05a. Average Monthly Profits 166 1238 0 25000000 0 6 98 1 30000 1 50000 1 60000 1 75000 1 100000 3 150000 1 200000 6 300000 4 350000 1 400000 4 500000 13 550000 1 600000 2 650000 1 780000 1 800000 5 900000 4 1000000 14 1100000 1 1200000 1 1250000 1 1500000 13 1600000 1 1700000 1 2000000 9 2100000 1 2250000 2 2300000 1 2500000 10 2700000 1 3000000 15 3500000 2 3900000 1 4000000 6 4500000 2 4800000 1 5000000 9 6000000 1 7000000 3 7500000 2 9000000 4 10000000 2 15000000 1 20000000 3 25000000 1 Sysmiss 1238 cl05b_min. Minimum Profit 1404 * Sysmiss 1404 cl05b_max. Maximum Profit 1404 * Sysmiss 1404 cl05c. Best Estimated Value 1404 * Sysmiss 1404 reserved_name_for_field_list_lab. Reserved_Name_For_Field_List_Labels_199 1404 * Sysmiss 1404 cl06. Business Records 166 1238 1 3 1 1. Yes 63 3 3. No 103 Sysmiss 1238 cl07. Written Budget 166 1238 1 3 1 1. Yes 37 3 3. No 129 Sysmiss 1238 cl08. Have Bank Account 166 1238 1 3 1 1. Yes 22 3 3. No 144 Sysmiss 1238 cl09. Any Personal Accounts 166 1238 1 3 1 1. Yes 77 3 3. No 89 Sysmiss 1238 cl10. Utilize Mobile Banking 166 1238 1 3 1 1. Yes 11 3 3. No 155 Sysmiss 1238 cl11. Separate Business Finances 166 1238 1 3 1 1. Yes 87 3 3. No 79 Sysmiss 1238 bp01. Written Business Records 1238 166 1 3 1 1. Yes 431 3 3. No 807 Sysmiss 166 bp02. Record Every Purchase 431 973 1 3 1 1. Yes 355 3 3. No 76 Sysmiss 973 bp03. Easily See Record Cash 431 973 1 3 1 1. Yes 328 3 3. No 103 Sysmiss 973 bp04. Have Enough Money 431 973 1 3 1 1. Yes 315 3 3. No 116 Sysmiss 973 bp05. Written Rent Budget 1238 166 1 3 1 1. Yes 233 3 3. No 1005 Sysmiss 166 bp06. Count All Costs 1238 166 1 3 1 1. Yes 945 3 3. No 293 Sysmiss 166 bp07. Have Bank Account 1238 166 1 3 1 1. Yes 125 3 3. No 1113 Sysmiss 166 bp08. Personal Accounts Business 1238 166 1 3 1 1. Yes 702 3 3. No 536 Sysmiss 166 bp09. Mobile Banking Business 1238 166 1 3 1 1. Yes 189 3 3. No 1049 Sysmiss 166 bp10. Separate Finances 1238 166 1 3 1 1. Yes 588 3 3. No 650 Sysmiss 166 we01_a. Full Time Wage 1238 166 0 40 0 975 1 99 2 72 3 28 4 19 5 11 6 7 7 5 8 7 9 2 10 5 15 3 16 2 30 1 31 1 40 1 Sysmiss 166 we01_b. Part Time Wage 1238 166 0 284 0 837 1 119 2 104 3 51 4 21 5 20 6 20 7 4 8 5 10 16 11 1 12 3 13 3 14 2 15 6 16 2 17 1 20 7 22 3 26 1 29 1 30 4 35 2 36 1 39 1 42 1 65 1 284 1 Sysmiss 166 we01_c. Unpaid Workers 1238 166 0 11 0 612 1 380 2 181 3 48 4 9 5 5 6 2 11 1 Sysmiss 166 we01_d. Total Workers 1238 166 0 288 0 254 1 355 2 243 3 128 4 63 5 47 6 34 7 15 8 11 9 11 10 12 11 6 12 5 13 4 14 4 15 4 16 7 17 1 18 2 19 2 20 4 21 5 22 1 23 1 24 2 26 1 28 1 29 1 30 1 32 1 33 1 34 1 35 1 36 2 37 1 39 1 40 1 41 1 42 1 80 1 288 1 Sysmiss 166 ri01ax. Do You Know Total Sales Last Month 1238 166 1 3 1 1. Yes 1195 3 3. No 43 Sysmiss 166 ri01a. Total Sales Last Month 1195 209 0 790000000 ri01b_min. Minimum Sales Last Month 43 1361 50000 257400000 50000 1 60000 1 100000 1 300000 2 500000 1 600000 1 805000 1 1000000 2 1500000 2 1800000 1 2000000 2 2100000 1 2250000 1 2600000 1 3000000 3 3750000 1 4000000 1 5000000 3 5600000 1 6000000 3 7000000 2 7500000 1 15000000 3 16900000 1 20000000 2 21000000 2 90000000 1 257400000 1 Sysmiss 1361 ri01b_max. Maximum Sales Last Month 43 1361 150000 386100000 150000 1 300000 2 500000 1 1200000 1 2000000 4 2300000 1 3000000 2 4500000 2 5000000 1 6000000 2 7000000 2 7500000 1 9000000 3 10000000 3 15000000 4 20000000 1 22400000 1 30000000 3 32000000 1 33800000 1 40000000 2 46000000 1 60000000 1 120000000 1 386100000 1 Sysmiss 1361 ri01c. Range Estimated Value 43 1361 100000 321750000 100000 2 120000 1 400000 1 900000 1 1000000 1 1380000 1 1500000 2 1700000 1 1800000 1 2400000 1 2500000 2 3500000 1 4000000 1 4500000 1 5000000 3 5500000 1 6000000 2 7000000 1 7500000 2 8000000 1 10000000 1 10400000 1 11000000 1 12000000 2 14000000 1 17000000 1 20000000 1 22500000 1 24000000 1 25000000 3 30000000 1 100000000 1 321750000 1 Sysmiss 1361 ri02ax. Do You Know Profit Last Month 1238 166 1 3 1 1. Yes 1231 3 3. No 7 Sysmiss 166 ri02a. Total Profit 1231 173 0 300000000 ri02b_min. Minimum Profit 7 1397 500000 7000000 500000 1 600000 1 1000000 1 1500000 1 3000000 2 7000000 1 Sysmiss 1397 ri02b_max. Maximum Profit 7 1397 700000 10000000 700000 1 2000000 2 10000000 4 Sysmiss 1397 ri02c. Range Estimated Value 7 1397 670000 9000000 670000 1 1000000 1 1500000 1 2500000 1 8000000 2 9000000 1 Sysmiss 1397 first receive kur 1404 v195. Reserved_Name_For_Field_List_Labels_266 1404 * Sysmiss 1404 fl02a. Non-Kur Loans 1404 1 3 1 1. Yes 148 3 3. No 1256 fl02b. Micro Finance Institutions 1404 1 3 1 1. Yes 125 3 3. No 1279 fl02c. Digital Lender 1404 1 3 1 1. Yes 1 3 3. No 1403 fl02d. Bpr (S) 1404 1 3 1 1. Yes 27 3 3. No 1377 fl02e. Government Programs 1404 1 3 1 1. Yes 31 3 3. No 1373 fl02f. Pawnshop 1404 1 3 1 1. Yes 52 3 3. No 1352 fl02g. Leasing 1404 1 3 1 1. Yes 40 3 3. No 1364 fl02h. Moneylender 1404 1 3 1 1. Yes 17 3 3. No 1387 fl02i. Input Supplier 1404 1 3 1 1. Yes 192 3 3. No 1212 fl02j. Spouse 1404 1 3 1 1. Yes 339 3 3. No 1065 fl02k. Other Than Spouse 1404 1 3 1 1. Yes 321 3 3. No 1083 fl02l. Personal Savings 1404 1 3 1 1. Yes 996 3 3. No 408 fl02m. Reinvested Profits 1404 1 3 1 1. Yes 1114 3 3. No 290 fl02v. Other, Specify 1404 1 3 1 1. Yes 92 3 3. No 1312 fl02_warn. Fl02_Warn 1404 1 8 1 243 2 553 3 381 4 155 5 50 6 15 7 6 8 1 1404 fl03a1. Capital Investment R1 1404 fl03a2. Capital Investment R2 1404 fl03b1. Working Investment R1 1404 fl03b2. Working Investment R2 1404 fl04. Since This, Received Non-Kur 1404 1 3 1 1. Yes 169 3 3. No 1235 fl05. If Yes, How Many 169 1235 1 9 1 105 2 31 3 16 4 7 5 5 6 1 7 2 8 1 9 1 Sysmiss 1235 fl06. Total Value 169 1235 98 500000000 98 2 2000000 1 3000000 4 4500000 2 5000000 12 6000000 2 7000000 1 8000000 2 10000000 12 12000000 2 14500000 1 15000000 12 16000000 1 20000000 11 21000000 1 23000000 1 24000000 1 25000000 15 30000000 6 37000000 1 40000000 8 45000000 5 50000000 18 55000000 1 59000000 1 60000000 3 65000000 1 70000000 1 75000000 4 80000000 2 85000000 1 90000000 4 100000000 13 105000000 1 135000000 1 150000000 1 180000000 1 200000000 8 225000000 3 300000000 1 500000000 1 Sysmiss 1235 fl07x. Do You Know Annual Interest Rate 169 1235 1 98 1 1. Yes 41 98 98. No 128 Sysmiss 1235 fl07. Annual Interest Rate 41 1363 0.200000002980232 48 0.200000002980232 1 0.699999988079071 1 0.800000011920929 1 0.899999976158142 1 1 5 1.20000004768372 2 1.32000005245209 1 1.5 3 1.79999995231628 1 2 4 2.5 2 3 1 5 1 6 2 7 1 9 1 10 1 10.6000003814697 1 11 1 12 4 13 1 14 1 20 1 25 1 40 1 48 1 Sysmiss 1363 fl08x. Do You Know Largest Loan 1404 1 96 1 1. Responded 535 96 96. Had not received a loan from any source prior to receiving KUR for the first time 869 fl08. Largest Loan Before Kur 535 869 97 500000000 fl09. Largest Loan You Had 535 869 1 95 1 1. Non-KUR commercial bank loans 163 2 2. Micro Finance Institutions, including cooperatives: saving and loan units, credit cooperation, credit union, sharia BMT 86 3 3. Digital lender (Fintech, ex: Amartha, Koinworks, Invetree) 1 4 4. BPR(s) 17 5 5. Government Programs (ex. PNPM) 16 6 6. Pawnshop 27 7 7. Leasing (ex. ADIRA, FIF, WOM Finance) 21 8 8. Moneylender 6 9 9. Input supplier 36 10 10. Spouse 15 11 11. Friends or family other than spouse 138 95 95. Other, specify__________ 9 Sysmiss 869 v226. Reserved_Name_For_Field_List_Labels_306 1404 * Sysmiss 1404 rf01a. Kur 1404 1 3 1 1. Yes 1394 3 3. No 10 rf01b. Non-Kur Loans 1404 1 3 1 1. Yes 41 3 3. No 1363 rf01cc. Micro Finance Institutions 1404 1 3 1 1. Yes 20 3 3. No 1384 rf01dd. Digital Lender 1404 1 3 1 1. Yes 3 3 3. No 1401 rf01e. Bpr (S) 1404 1 3 1 1. Yes 5 3 3. No 1399 rf01f. Government Programs 1404 1 3 1 1. Yes 25 3 3. No 1379 rf01g. Pawnshop 1404 1 3 1 1. Yes 21 3 3. No 1383 rf01h. Leasing 1404 1 3 1 1. Yes 16 3 3. No 1388 rf01i. Moneylender 1404 1 3 1 1. Yes 4 3 3. No 1400 rf01j. Input Supplier 1404 1 3 1 1. Yes 140 3 3. No 1264 rf01k. Spouse 1404 1 3 1 1. Yes 184 3 3. No 1220 rf01l. Other Than Spouse 1404 1 3 1 1. Yes 90 3 3. No 1314 rf01m. Personal Savings 1404 1 3 1 1. Yes 510 3 3. No 894 rf01n. Reinvested Profits 1404 1 3 1 1. Yes 1227 3 3. No 177 rf01v. Other, Specify 1404 1 3 1 1. Yes 30 3 3. No 1374 rf01_warn. 1404 1 7 1 90 2 620 3 475 4 154 5 48 6 14 7 3 1404 rf01a1. Capital Investment R1 1404 rf01a2. Capital Investment R2 1404 rf01b1. Working Investment R1 1404 rf01b2. Working Investment R2 1404 rf01c. Largest Loan Held 1404 0 500000000 rf01d. Source Largest Loan 1404 1 95 1 1. KUR 1354 2 2. Non-KUR commercial bank loans 27 3 3. Micro Finance Institutions, including cooperatives: saving and loan units, credit cooperation, credit union, sharia BMT 1 4 4. Digital lender (Fintech, ex: Amartha, Koinworks, Invetree) 0 5 5. BPR(S) 0 6 6. Government Programs (ex. PNPM) 0 7 7. Pawnshop 0 8 8. Leasing (ex. ADIRA, FIF, WOM Finance) 5 9 9. Moneylender 0 10 10. Input supplier 3 11 11. Spouse 0 12 12. Friends or family other than spouse 4 95 95. Other, specify _____ 10 rf02. Many Loans Applied 1404 1 27 1 721 2 426 3 172 4 40 5 21 6 14 7 7 10 1 14 1 27 1 rf03. Many Loans Received 1404 1 27 1 772 2 402 3 149 4 41 5 17 6 14 7 6 10 1 14 1 27 1 loan application rejected 1404 rf04_a. Problems With Collateral 82 1322 0 1 0 72 1 10 Sysmiss 1322 rf04_b. Credit History 82 1322 0 1 0 63 1 19 Sysmiss 1322 rf04_c. Loans Deemed Risky 82 1322 0 1 0 81 1 1 Sysmiss 1322 rf04_d. Application Pending 82 1322 0 1 0 62 1 20 Sysmiss 1322 rf04_v. Other 82 1322 0 1 0 57 1 25 Sysmiss 1322 rf04_w. Not Applicable 82 1322 0 1 0 79 1 3 Sysmiss 1322 rf04_y. Don'T Know 82 1322 0 1 0 75 1 7 Sysmiss 1322 rf05_repeat_count. Rf05_Repeat_Count 1404 1 27 1 772 2 402 3 149 4 41 5 17 6 14 7 6 10 1 14 1 27 1 rf06. Whom Was Granted 1404 1 3 1 1. Business 18 2 2. Owner or manager 1374 3 3. Other individual 12 rf07x. Any Guarantee 1404 1 99 1 1. RESPONDED 1146 98 98. DO NOT KNOW 255 99 99. GUARANTEE IN THE FORM OF SK PNS/PENSION 3 rf07. Value Of Guarantee 1146 258 0 7500000000 rf08. Loan Duration 1404 1 98 1 3 3 1 4 2 6 37 7 2 8 2 9 8 10 3 11 4 12 97 13 1 15 1 16 1 18 87 19 1 20 1 24 492 26 1 30 8 36 520 39 1 42 3 46 1 48 78 54 1 60 45 70 1 98 2 rf09. Know Interest Rate 1404 1 96 1 1. Yes 373 3 3. No 1029 96 96. NO INTEREST FOR THE LOAN 2 rf10_period. Interest Rate Periode 373 1031 1 2 1 1. Monthly 213 2 2. Annually 160 Sysmiss 1031 rf10. Anually Interest Rate 373 1031 1 2 1 1. └─┴─┴─┘% 318 2 2. Rp. └─┴─┴─┘.└─┴─┴─┘ 55 Sysmiss 1031 rf10_percent. Interest Rate Percent 319 1085 0.0255999993532896 14 0.0255999993532896 1 0.0299999993294477 2 0.0399999991059303 1 0.100000001490116 7 0.200000002980232 41 0.219999998807907 1 0.230000004172325 1 0.239999994635582 1 0.25 3 0.264999985694885 1 0.300000011920929 60 0.310000002384186 2 0.389999985694885 1 0.400000005960464 37 0.409999996423721 2 0.5 23 0.550000011920929 1 0.569999992847443 1 0.600000023841858 19 0.699999988079071 24 0.75 1 0.800000011920929 6 0.899999976158142 9 1 5 1.10000002384186 1 1.20000004768372 2 1.79999995231628 1 2 3 2.5 4 3 2 4 2 4.90000009536743 1 5 3 6 15 7 23 8 1 9 9 10 1 14 1 Sysmiss 1085 rf10_rupiah. Interest Rate Rupiah 54 1350 15000 15000000 15000 1 66000 1 80000 1 100000 1 108000 1 110000 1 150000 2 180000 1 300000 2 500000 2 600000 1 644000 1 690000 1 700000 2 749000 1 800000 4 870000 1 900000 1 1000000 5 1120000 2 1150000 1 1217000 1 1400000 2 1500000 4 1525000 1 1550000 1 1600000 2 2000000 3 2065000 1 2100000 1 2750000 1 3000000 1 4000000 1 8000000 1 15000000 1 Sysmiss 1350 rf11. Know Montlhy Payments 1029 375 1 98 1 1. Yes 903 98 98. DO NOT KNOW 126 Sysmiss 375 rf11_rupiah. Interest Rate Rupiah 903 501 118000 85416667 rf12. Spousal Approval Required 1404 1 96 1 1. Yes 1226 3 3. No 22 96 96. Does not have a spouse 156 reasons loan 1404 rf13_a. Working Capital 1404 0 1 0 226 1 1178 rf13_b. Capital Investment 1404 0 1 0 779 1 625 rf13_c. Other Expense 1404 0 1 0 1400 1 4 rf13_d. Expenses Different Owned 1404 0 1 0 1315 1 89 rf13_e. Expenses Different Not Owned 1404 0 1 0 1382 1 22 rf13_f. Non-Business Purposes 1404 0 1 0 1324 1 80 rf13a. Working Capital Percent 1404 0 100 0 226 2 1 4 1 5 5 7 1 10 13 13 1 15 2 18 1 20 25 25 22 30 40 33 1 34 1 35 3 40 29 45 1 47.5 1 50 214 52 1 55 1 56 1 60 40 62 1 65 1 67 4 68 1 70 35 75 16 80 18 85 6 88 1 90 14 94 1 95 4 97 3 100 668 capital investment percent 1404 rf13c. Other Expense Percent 1404 0 70 0 1400 50 3 70 1 rf13d. Expenses Different Owned Percent 1404 0 98 0 1315 5 1 6 1 7 1 10 6 15 3 16 1 20 5 25 5 30 4 32 1 33 1 35 2 40 9 45 1 50 27 60 4 70 6 75 2 80 5 90 2 96 1 98 1 rf13e. Expenses Different Not Owned Percent 1404 0 90 0 1382 15 2 19 1 25 1 30 4 33 1 40 2 50 5 60 1 70 2 75 2 90 1 rf13f. Non-Business Purposes Percent 1404 0 100 0 1324 5 2 10 2 17 1 20 6 25 4 28 1 30 4 40 6 50 19 60 7 65 1 70 6 75 1 80 8 87 1 90 5 93 1 95 3 98 1 100 1 rf13_calc. Rf13_Calc 1404 100 100 100 1404 realization use funds 1404 rf14_a. Working Capital 1404 0 1 0 225 1 1179 rf14_b. Capital Investment 1404 0 1 0 601 1 803 rf14_c. Other Expense 1404 0 1 0 1383 1 21 rf14_d. Expenses Different Owned 1404 0 1 0 1246 1 158 rf14_e. Expenses Different Not Owned 1404 0 1 0 1365 1 39 rf14_f. Non-Business Purposes 1404 0 1 0 1057 1 347 rf14_g. Not Allocated 1404 0 1 0 1365 1 39 rf14a. Working Capital Percent 1404 0 100 rf14b. Capital Investment Percent 1404 0 100 0 601 2 3 2.5 1 3 2 4 3 5 16 7 2 9 1 10 44 11 1 12 1 15 23 16 1 20 74 24 2 25 47 30 70 32 2 33 3 35 8 40 63 45 10 47 1 48 2 49 1 50 153 52 1 52.5 1 55 4 60 41 65 3 67 2 70 31 75 11 78 1 80 15 85 2 90 12 93 1 95 2 98 1 100 141 rf14c. Other Expense Percent 1404 0 67 0 1383 5 3 10 4 15 4 20 4 40 2 50 3 67 1 rf14d. Expenses Different Owned Percent 1404 0 99 0 1247 5 4 6 1 7 1 8 1 10 11 14 1 15 9 16 1 17 1 18 1 20 10 25 14 30 15 33 2 34 1 35 5 38 1 40 10 45 2 46 1 48 1 50 32 60 8 68 1 70 9 75 1 80 5 90 4 95 1 96 1 98 1 99 1 rf14e. Expenses Different Not Owned Percent 1404 0 90 0 1365 2 2 3 1 5 1 10 3 15 1 19 1 20 2 25 3 30 5 35 1 40 3 50 6 60 3 70 3 75 1 80 1 90 2 rf14f. Non-Business Purposes Percent 1404 0 100 0 1057 1 1 2 4 3 1 4 2 5 18 8 1 10 52 12 1 15 7 17 1 20 39 24 1 25 18 27 1 28 1 30 27 35 2 36 1 40 20 50 57 60 17 62.5 1 63 1 65 3 70 6 75 7 77 1 80 8 90 11 93 1 95 5 98 1 100 30 rf14g. Not Allocated 1404 0 100 0 1365 3 1 10 6 12 1 14 1 15 1 16 1 20 3 22 1 25 2 30 2 33 1 35 1 38 1 40 2 45 1 50 6 60 2 70 2 80 1 82.5 1 100 2 rf14_calc. Rf14_Calc 1404 100 100 100 1404 rf15_group_count. Rf15_Group_Count 1404 4 4 4 1404 rf16a. Respondent Salary Income 1404 1 3 1 1. Yes 268 3 3. No 1136 rf16b. Casual Labor Income 1404 1 3 1 1. Yes 296 3 3. No 1108 rf16c. Income Another Business 1404 1 3 1 1. Yes 725 3 3. No 679 rf16d. Spouse’S Income Salary 1404 1 96 1 1. Yes 323 3 3. No 904 96 96. No spouse 177 rf16e. Spouse’S Income Labor 1404 1 96 1 1. Yes 184 3 3. No 1040 96 96. TIDAK ADA PASANGAN 180 rf16f. Spouse’S Income Another Business 1404 1 96 1 1. Yes 363 3 3. No 859 96 96. TIDAK ADA PASANGAN 182 rf16g. Household Member’S Income 1404 1 96 1 1. Yes 189 3 3. No 1119 96 96. NO OTHER HOUSEHOLD MEMBER 96 rf16h. Household Income Labor 1404 1 96 1 1. Yes 74 3 3. No 1233 96 96. TIDAK ADA ART LAIN 97 rf16i. Household Income Another Business 1404 1 96 1 1. Yes 112 3 3. No 1195 96 96. TIDAK ADA ART LAIN 97 ke01. First Hear About Kur Program 702 702 1 5 1 1. Heard from friends/relatives 492 2 2. Read/see from media (newspapers, websites, radio, TV) 45 3 3. Received socialization from the local government 17 4 4. Received socialization from the bank 139 5 5. Received socialization from business groups 9 95 95. OTHER, PLEASE SPECIFY ___________ 0 Sysmiss 702 ke02. First Kur Application 702 702 1 95 1 1. Marketing or account officer from bank visited you to offer KUR loan 137 2 2. You went to the nearest bank branch to apply for a KUR loan 507 3 3. Visit the nearest bank branch to apply for a loan (do not know about KUR yet), and was offered to apply KUR loan by the bank staff 43 4 4. Apply collectively through group lending 4 95 95. OTHER, PLEASE SPECIFY ___________ 11 Sysmiss 702 ke03. Loan Application Fee 702 702 1 3 1 1. Yes 270 3 3. No 432 Sysmiss 702 ke03_rupiah. Loan Fee Rupiah 270 1134 98 8000000 ke04. How Many Times Engage Bank 702 702 1 10 1 6 2 55 3 332 4 234 5 66 6 7 10 2 Sysmiss 702 why were engagements with bank 1404 ke05_a. To Apply 696 708 0 1 0 63 1 633 Sysmiss 708 ke05_b. To Submit Documents 696 708 0 1 0 399 1 297 Sysmiss 708 ke05_c. To Submit Revised 696 708 0 1 0 588 1 108 Sysmiss 708 ke05_d. Survey From Bank 696 708 0 1 0 37 1 659 Sysmiss 708 ke05_e. Loan Disbursement 696 708 0 1 0 26 1 670 Sysmiss 708 ke05_v. Other 696 708 0 1 0 647 1 49 Sysmiss 708 ke06. Financial Institution Inform 702 702 1 3 1 1. Yes 652 3 3. No 50 Sysmiss 702 ke07. More Easily Get Kur 702 702 1 98 1 1. Yes 577 3 3. No 56 98 98. DON’T KNOW 69 Sysmiss 702 ke08. More Easily Get Non-Kur 702 702 1 98 1 1. Yes 319 3 3. No 95 98 98. DON’T KNOW 288 Sysmiss 702 ke09. Main Advantage Kur 702 702 1 98 1 1. INTEREST RATES 580 2 2. COLLATERAL REQUIREMENTS 4 3 3. AMOUNT OF LOANS 6 4 4. MATURITY OF LOANS 6 5 5. LOAN APPLICATION PROCESS 51 6 6. LOAN DISBURSEMENT PROCESS 26 7 7. REPAYMENT PROCESS 15 95 95. OTHER, SPECIFY ______________ 2 96 96. NONE 4 98 98. DO NOT KNOW 8 Sysmiss 702 ke10. Main Disadvantage Kur 702 702 1 98 1 1. INTEREST RATES 5 2 2. COLLATERAL REQUIREMENTS 11 3 3. AMOUNT OF LOANS 57 4 4. MATURITY OF LOANS 4 5 5. LOAN APPLICATION PROCESSS 23 6 6. LOAN DISBURSEMENT PROCESS 19 7 7. REPAYMENT PROCESS 13 95 95. OTHER, SPECIFY ______________ 43 96 96. NONE 487 98 98. DO NOT KNOW 40 Sysmiss 702 ke11. Prioritize Instalment Payments 702 702 1 3 1 1. KUR 646 2 2. Non-KUR commercial bank loans 33 3 3. Other non-KUR loans from institutions other than the commercial bank 23 Sysmiss 702 reason to apply 1404 ke12_a. Increase Capital Investment 702 702 0 1 0 510 1 192 Sysmiss 702 ke12_b. Increase Working Capital 702 702 0 1 0 410 1 292 Sysmiss 702 ke12_c. Pay Off Other Loans 702 702 0 1 0 685 1 17 Sysmiss 702 ke12_d. Suggested By The Bank 702 702 0 1 0 672 1 30 Sysmiss 702 ke12_v. Other 702 702 0 1 0 662 1 40 Sysmiss 702 ke12_w. Not Appplicable 702 702 0 1 0 355 1 347 Sysmiss 702 ke13. Alternative Source Financing 1404 ke13_a. Borrowing The Kur 702 702 0 1 0 501 1 201 Sysmiss 702 ke13_b. Non-Kur Loan 702 702 0 1 0 585 1 117 Sysmiss 702 ke13_c. Loans From Nonbanking 702 702 0 1 0 635 1 67 Sysmiss 702 ke13_d. Loans From Friends 702 702 0 1 0 563 1 139 Sysmiss 702 ke13_e. Selling Business Assets 702 702 0 1 0 531 1 171 Sysmiss 702 ke13_f. Selling Personal Assets 702 702 0 1 0 526 1 176 Sysmiss 702 ke13_g. Looking For Business Partners 702 702 0 1 0 692 1 10 Sysmiss 702 ke13_v. Other 702 702 0 1 0 623 1 79 Sysmiss 702 co01. Operational During Covid-19 650 754 1 3 1 1. Yes 470 3 3. No 180 Sysmiss 754 operational change during covid-19 1404 co02_a. Closed Permanently 180 1224 0 1 0 179 1 1 Sysmiss 1224 co02_b. Closed Temporarily 180 1224 0 1 0 104 1 76 Sysmiss 1224 co02_c. Reduced Working Hours 180 1224 0 1 0 98 1 82 Sysmiss 1224 co02_d. Modified Staffing Arrangements 180 1224 0 1 0 128 1 52 Sysmiss 1224 co02_e. Changed Mode Operations 180 1224 0 1 0 157 1 23 Sysmiss 1224 co02_v. Other 180 1224 0 1 0 174 1 6 Sysmiss 1224 co03. Business Condition 650 754 1 4 1 1. Open 594 2 2. Temporarily closed (mandated by government) 5 3 3. Temporarily closed (own choice) 16 4 4. Permanently closed 35 Sysmiss 754 co04. Resume Operation 56 1348 1 3 1 1. Yes 50 3 3. No 6 Sysmiss 1348 co05. Sale Condition 650 754 1 98 1 1. Increase 62 2 2. Remain the same 106 3 3. Decrease 464 96 96. NOT APPLICABLE [IF THE BUSINESS CLOSED WAS NOT BECAUSE OF COVID-19 PANDEMIC SITUATION, CHECK CL01.b = 3] 9 98 98. DO NOT KNOW 9 Sysmiss 754 co05a. Increased, How Much 62 1342 2 100 2 1 5 4 7 2 10 8 15 5 20 12 25 6 30 5 45 1 50 9 60 1 70 2 80 1 85 2 100 3 Sysmiss 1342 co05b. Decreased, How Much 464 940 1 100 1 1 2 2 2.5 1 3 1 4 1 5 6 7 1 10 18 15 4 20 33 25 24 30 49 35 1 40 30 45 3 50 144 55 2 60 30 70 27 75 15 80 23 85 5 90 21 95 1 99 1 100 20 Sysmiss 940 co06x. Have Outstanding Debt 650 754 1 3 1 1. Yes 486 3 3. No 164 Sysmiss 754 co06. Can You Pay 486 918 1 3 1 1. Yes, full monthly installments 407 2 2. Yes, partial installments each month 36 3 3. No 43 Sysmiss 918 co07. Aware Regulations Covid-19 486 918 1 3 1 1. Yes 204 3 3. No 282 Sysmiss 918 co08. Kur Program Support 486 918 1 3 1 1. Yes 128 3 3. No 358 Sysmiss 918 form of support 1404 co09_a. Deferred Interest 128 1276 0 1 0 94 1 34 Sysmiss 1276 co09_b. Deferred Principal 128 1276 0 1 0 39 1 89 Sysmiss 1276 co09_c. Increased Grace Period 128 1276 0 1 0 112 1 16 Sysmiss 1276 co09_d. Increased Loan 128 1276 0 1 0 127 1 1 Sysmiss 1276 co09_e. New Loan 128 1276 0 1 0 127 1 1 Sysmiss 1276 co09_f. Debt Write-Off 128 1276 0 0 128 Sysmiss 1276 co09_v. Other 128 1276 0 1 0 113 1 15 Sysmiss 1276 co09a. Deferred Interest 1404 co09b. Deferred Principal 1404 co09c. Increased Grace Period 1404 co09d. Increased Loan Size 1404 co09e. New Loan 1404 co09f. Debt Write-Off 1404 * Sysmiss 1404 co09v. Other Specify 1404 co10. How Long Extension 102 1302 0 24 0 2 1 2 2 2 3 12 5 6 6 59 7 2 8 3 9 4 12 9 24 1 Sysmiss 1302 co11. Cash Flow Shortages 650 754 1 96 1 1. Yes 321 3 3. No 298 96 96. NOT APPLICABLE 31 Sysmiss 754 co12. Solve Cash Flow Shortages 321 1083 2 98 1 1. KUR loan 0 2 2. Non-KUR loan from commercial bank 1 3 3. Loans from nonbanking financial institutions (microfinance institutions, credit cooperatives, credit unions, or finance companies) 8 4 4. Equity finance (new shareholders or greater capital increase from existing owners/shareholders 6 5 5. Loans from friends or family 47 6 6. Delaying payments ot suppliers/workers/authorities 20 7 7. Sell some assets/capital, including machineries and vehicles 9 8 8. Using personal savings/selling personal assets 89 9 9. Reduce business operating costs 74 95 95. OTHERS, SPECIFY ________ 60 98 98. DO NOT KNOW 7 Sysmiss 1083 end time 1404 cov08. Interview Result 1404 1 1 1 1. COMPLETED 1404 2 2. PARTIALLY COMPLETED 0 cov09. Reason No Complete 1404 * 1 1. PHONE CALLS WERE NOT ANSWERED 0 2 2. THE RESPONDENT REFUSED TO BE INTERVIEWED 0 3 3. THE RESPONDENT WAS BUSY, REFUSED TO CONTINUE THE INTERVIEW 0 4 4. THE RESPONDENT WAS TIRED, REFUSED TO CONTINUE THE INTERVIEW 0 95 95. OTHER ______________________________ 0 Sysmiss 1404 1404 162.625 13170.4345703125 162.625 16 183.9375 16 285.875 16 310.875 16 376.8125 16 456.6875 16 519.5 16 700.25 16 783 17 998.25 16 1081.6875 16 1112.4375 16 1144.6875 16 1174.3125 16 1236.1875 16 1331.6875 16 1355.25 16 1453.75 16 1463.875 16 1588.125 16 1608.25 16 2518.0625 16 3337.6875 16 4740.625 16 5448.5 16 5715.62109375 66 5723.72705078125 22 5777.05859375 34 5808.08349609375 24 5822.9443359375 18 5827.59375 32 5850.9306640625 72 5857.8408203125 44 5884.0625 32 5903.34375 32 5960.0654296875 46 6034.431640625 44 6339.873046875 134 7192.02978515625 203 13170.4345703125 200 1404 1404 frequency weight 1404 163 13170 163 16 184 16 286 16 311 16 377 16 457 16 520 16 700 16 783 17 998 16 1082 16 1112 16 1145 16 1174 16 1236 16 1332 16 1355 16 1454 16 1464 16 1588 16 1608 16 2518 16 3338 16 4741 16 5449 16 5716 66 5724 22 5777 34 5808 24 5823 18 5828 32 5851 72 5858 44 5884 32 5903 32 5960 46 6034 44 6340 134 7192 203 13170 200 1404 1404 1404 1404 Unique ID 1624 BI03_no 1624 1 7 1 1404 2 204 3 11 4 2 5 1 6 1 7 1 bi03a. Relationship 1624 1 5 1 Yourself 1376 2 Spouse 150 3 Another member of your family 75 4 Friends or Neighbors 18 5 Third parties 5 bi03b. Gender 1624 1 3 1 Male 943 3 Female 681 bi03c. Percent Ownership 1624 10 100 10 1 15 6 20 3 25 9 30 14 33 8 34 4 40 13 50 343 60 11 70 8 75 3 80 1 100 1200 frequency weight 1624 163 13170 163 17 184 20 286 19 311 22 377 23 457 18 520 20 700 23 783 19 998 24 1082 27 1112 19 1145 19 1174 20 1236 20 1332 16 1355 19 1454 20 1464 24 1588 17 1608 18 2518 16 3338 21 4741 23 5449 18 5716 83 5724 27 5777 39 5808 29 5823 18 5828 38 5851 77 5858 52 5884 34 5903 33 5960 56 6034 46 6340 144 7192 232 13170 214 Unique ID 1897 BI05_no 1897 1 6 1 1404 2 456 3 30 4 5 5 1 6 1 bi03a. Relationship 1897 1 5 1 Yourself 1370 2 Spouse 354 3 Another member of your family 147 4 Friends or Neighbors 21 5 Third parties 5 bi03b. Gender 1897 1 3 1 Male 1023 3 Female 874 frequency weight 1897 163 13170 163 24 184 20 286 18 311 30 377 23 457 23 520 26 700 27 783 24 998 22 1082 25 1112 20 1145 23 1174 25 1236 21 1332 22 1355 22 1454 25 1464 24 1588 21 1608 29 2518 18 3338 22 4741 26 5449 23 5716 90 5724 33 5777 48 5808 30 5823 22 5828 46 5851 87 5858 63 5884 48 5903 40 5960 53 6034 75 6340 163 7192 260 13170 256 Unique ID 822 822 1 5 1 676 2 117 3 25 4 3 5 1 822 role in business 822 1 3 1 Owner 115 2 Manager 30 3 Both, owner and manager 677 full time wage 822 0 100 0 697 1 54 2 31 3 7 4 11 5 7 6 3 8 2 9 1 10 1 12 1 13 1 17 1 19 1 20 1 26 1 30 1 100 1 part time wage 822 0 100 0 549 1 55 2 85 3 29 4 23 5 12 6 10 7 5 8 1 9 2 10 15 12 3 13 3 14 2 15 6 16 2 17 1 18 1 19 1 20 4 22 2 23 2 24 1 26 1 29 1 30 3 38 1 41 1 100 1 unpaid workers 822 0 12 0 454 1 227 2 99 3 24 4 12 5 3 7 1 10 1 12 1 total workers 822 0 100 0 218 1 217 2 147 3 61 4 54 5 24 6 20 7 6 8 4 9 5 10 7 11 4 12 5 13 3 14 3 15 7 16 5 17 3 18 1 19 3 20 5 21 2 22 3 23 2 25 2 26 2 29 1 30 2 31 2 40 1 45 1 100 2 frequency weight 822 163 13170 163 9 184 14 286 14 311 7 377 13 457 12 520 8 700 10 783 11 998 11 1082 5 1112 10 1145 12 1174 12 1236 9 1332 8 1355 8 1454 10 1464 13 1588 8 1608 7 2518 8 3338 12 4741 12 5449 13 5716 38 5724 14 5777 19 5808 12 5823 12 5828 13 5851 39 5858 18 5884 15 5903 17 5960 27 6034 28 6340 99 7192 110 13170 105 Unique ID 2449 RF05_no 2449 1 27 1 1403 2 632 3 230 4 82 5 40 6 23 7 9 8 3 9 3 10 3 11 2 12 2 13 2 14 2 15 1 16 1 17 1 18 1 19 1 20 1 21 1 22 1 23 1 24 1 25 1 26 1 27 1 loan amount received 2449 200000 500000000 year loan received 2449 2004 2021 2004 1 2005 1 2006 2 2007 6 2008 7 2009 8 2010 19 2011 17 2012 33 2013 32 2014 63 2015 83 2016 274 2017 325 2018 515 2019 596 2020 455 2021 12 is it KUR loan 2449 1 98 1 Yes, micro 697 2 Yes, retail/small 86 3 Yes, but I don't know the type of KUR loan 1475 4 No 55 98 do not know 136 name commercial bank 2449 ever defaulted 2449 1 3 1 Yes 208 3 No 2241 frequency weight 2449 163 13170 163 23 184 30 286 32 311 25 377 33 457 19 520 20 700 27 783 19 998 24 1082 17 1112 18 1145 22 1174 19 1236 25 1332 21 1355 18 1454 20 1464 22 1588 23 1608 27 2518 23 3338 20 4741 22 5449 49 5716 133 5724 40 5777 54 5808 42 5823 22 5828 47 5851 139 5858 82 5884 36 5903 41 5960 88 6034 68 6340 219 7192 431 13170 409 Unique ID 5616 RF15_no 5616 1 4 1 1404 2 1404 3 1404 4 1404 RF15_show 5616 have access collateral 5616 1 3 1 Yes 2567 3 No 3049 who owns asset 2567 3049 1 95 1 Business 6 2 Respondent 1282 3 Respondent's Spouse 318 4 Joint property of respondent and spouse 681 5 Family member of respondent (other than spouse) 248 95 Others, ______ 32 Sysmiss 3049 who owns asset other 5616 frequency weight 5616 163 13170 163 64 184 64 286 64 311 64 377 64 457 64 520 64 700 64 783 68 998 64 1082 64 1112 64 1145 64 1174 64 1236 64 1332 64 1355 64 1454 64 1464 64 1588 64 1608 64 2518 64 3338 64 4741 64 5449 64 5716 264 5724 88 5777 136 5808 96 5823 72 5828 128 5851 288 5858 176 5884 128 5903 128 5960 184 6034 176 6340 536 7192 812 13170 800