Access to Financial Services in Nigeria 2018 Dataset (doi:10.7910/DVN/IKTESJ)

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Part 1: Document Description
Part 2: Study Description
Part 3: Data Files Description
Part 4: Variable Description
Part 5: Other Study-Related Materials
Entire Codebook

Access to Financial Services in Nigeria 2018 Dataset

doi:10.7910/DVN/IKTESJ

Harvard Dataverse

2025-01-27

1

nwaiwu, chioma, 2025, "Access to Financial Services in Nigeria 2018 Dataset", https://doi.org/10.7910/DVN/IKTESJ, Harvard Dataverse, V1, UNF:6:uxcFu5sDLmY/jw6nyToWUA== [fileUNF]

Access to Financial Services in Nigeria 2018 Dataset

doi:10.7910/DVN/IKTESJ

nwaiwu, chioma (Enhancing Financial Innovation & Access)

Harvard Dataverse

nwaiwu, chioma

nwaiwu, chioma

2025-01-24

https://doi.org/10.7910/DVN/IKTESJ

Social Sciences, Financial Inclusion Mobile Money Banking Access Savings Groups Digital Payments Microfinance Credit Access Agent Banking Financial Literacy National Identification Number (NIN)

The A2F Survey, which stands for “Access to Financial Services,” is a nationally representative survey conducted in Nigeria. It assesses the access to and use of financial services by Nigerian adults aged 18 and above across all 36 states and the Federal Capital Territory (FCT) of Abuja. The survey assesses all Nigerians’ access to and use of financial services, describes the access landscape, and identifies opportunities to promote financial inclusion in the country. It covers various aspects, including financial health, customer trust in financial institutions, and digital financial services. The primary purpose of the A2F Survey was to gather credible data on financial inclusion in Nigeria. This data helps to identify opportunities for policy reform and market opportunities for financial service providers. The A2F Survey provides credible data that is essential for understanding the landscape of financial inclusion in Nigeria. It highlights opportunities for policy reform and market opportunities for financial service providers. The A2F Survey provides information about how Nigerians access and use financial services. It also offers insights into national trends in financial inclusion, financial health, the impact of events like Covid-19, Naira re-design, customer trust in financial institutions, and the adoption of digital financial services. The A2F Survey is universally recognized by financial sector stakeholders in Nigeria. It serves as an established and leading source of information on national trends in financial inclusion, aiding industry professionals and policymakers in making informed decisions.

Need Help with the A2F Dataset? If you have any questions or need assistance with using the A2F dataset, we’re here to help! Please feel free to reach out to us at info@efina.org.ng. Our team is ready to support you with any inquiries or issues you may have.

Here is how to cite the survey APA Format: Enhancing Financial Innovation & Access (EFInA). (2018). The Access to Financial Services in Nigeria Survey. Accessed at www.a2f.ng (Date accessed). MLA Format: The Access to Financial Services in Nigeria Survey. Enhancing Financial Innovation & Access (EFInA), Year. Accessed at www.a2f.ng (Date accessed). Parenthetical Citation: (The A2F, 2018) Narrative Citation: According to the A2F (2018), … (Replace “Year” with the publication year and “Date accessed” with the actual date of access.)

Here is how to cite the survey APA Format: Enhancing Financial Innovation & Access (EFInA). (2018). The Access to Financial Services in Nigeria Survey. Accessed at www.a2f.ng (Date accessed). MLA Format: The Access to Financial Services in Nigeria Survey. Enhancing Financial Innovation & Access (EFInA), Year. Accessed at www.a2f.ng (Date accessed). Parenthetical Citation: (The A2F, 2018) Narrative Citation: According to the A2F (2018), … (Replace “Year” with the publication year and “Date accessed” with the actual date of access.)

• Number of cases: 27470

• No. of variables per record: 1447

• Type of File: text/tab-separated-values

UNF:6:uxcFu5sDLmY/jw6nyToWUA==

• Q1_ - 1. Questionnaire number
• Q2_ - 2. Household Weight
• Q3_ - (2006)Adult Population Weight
• Q3_1 - (2023) Adult population Weight
• Q4_ - 4. Accurate location capture: Latitude
• Q5_ - 5. Accurate location capture: Longitude
• eacode - 6. EA Code
• eanameb - 7. EA Name
• lgab - 8. LGA
• Q9_ - 9. Zone
• stateb - 10. State
• sectorb - 11. Sector
• C1 - C1. How many people live in this household?
• C2 - C2. How many people in the household are 18 years or older?
• C3 - C3. How many people in this household bring money into the household?
• C4 - C4. How many separate rooms do the members of the household occupy (not counting
• C5 - C5. Which of the following statements are true for this household?
• C6_1 - C6. Household own - Sprayers
• C6_2 - C6. Household own - Wheelbarrows
• C6_3 - C6. Household own - Sickles
• C6_5 - C6. Household own - None of the above
• D1 - D1. Do you or your family own or rent this house?
• D2_1 - D2. How was this house acquired - Mortgage
• D2_2 - D2. How was this house acquired - . Loan from government scheme
• D2_3 - D2. How was this house acquired - . Loan from other sources
• D2_4 - D2. How was this house acquired - . Own savings
• D2_5 - D2. How was this house acquired - . Inheritance
• D2_96 - D2. How was this house acquired - . Don’t know
• D2_95 - D2. How was this house acquired - . Refused to answer
• D2_98 - D2. How was this house acquired - . Other, specify
• D2_98_Oth - D2. How was this house acquired - . Other, specify_How was this house acquired?
• D3_1 - D3. Household asset ownership - One mattress
• D3_2 - D3. Household asset ownership - Two mattresses
• D3_3 - D3. Household asset ownership - Three or more mattresses
• D3_4 - D3. Household asset ownership - Microwave
• D3_5 - D3. Household asset ownership - Household help
• D3_6 - D3. Household asset ownership - Fridge/deep freezer
• D3_7 - D3. Household asset ownership - Video
• D3_8 - D3. Household asset ownership - Car/vehicle
• D3_9 - D3. Household asset ownership - Colour TV
• D3_10 - D3. Household asset ownership - Music system
• D3_11 - D3. Household asset ownership - Air Conditioning (split unit)
• D3_12 - D3. Household asset ownership - Air Conditioning (single unit)
• D3_13 - D3. Household asset ownership - Satellite dish
• D3_14 - D3. Household asset ownership - Washing machine
• D3_15 - D3. Household asset ownership - Black & white TV
• D3_16 - D3. Household asset ownership - DVD
• D3_17 - D3. Household asset ownership - Cable satelite
• D3_18 - D3. Household asset ownership - Telephone (land)
• D3_19 - D3. Household asset ownership - Telephone (mobile)
• D3_20 - D3. Household asset ownership - Personal driver
• D3_21 - D3. Household asset ownership - Only Motorbike
• D3_22 - D3. Household asset ownership - Computer (desktop)
• D3_23 - D3. Household asset ownership - Computer (laptop)
• D3_24 - D3. Household asset ownership - Generator set
• D4a_1 - D4a. Fuel used for cooking - Gas cooker
• D4a_2 - D4a. Fuel used for cooking - Electric cooker
• D4a_3 - D4a. Fuel used for cooking - Combination gas & electrical stove
• D4a_4 - D4a. Fuel used for cooking - Kerosene stove
• D4a_5 - D4a. Fuel used for cooking - Charcoal/wood
• D4a_6 - D4a. Fuel used for cooking - None
• D4b - D4b. Main cooking facility
• D5 - D5. What is the main fuel used for lighting in your household?
• D6 - D6. What type of toilet facilities does the household mainly use?
• D7 - D7. Main water source for your household
• D8a - D8a. Type of house
• D8b - D8b. Main floor material
• D8c - D8c. Main wall material
• D8d - D8c. Predominant roof material
• E1_1 - E1. Languages spoken fluently - English
• E1_2 - E1. Languages spoken fluently - Pidgin English
• E1_3 - E1. Languages spoken fluently - Hausa
• E1_4 - E1. Languages spoken fluently - Yoruba
• E1_5 - E1. Languages spoken fluently - Igbo
• E1_98 - E1. Languages spoken fluently - Other, specify
• E1_98_Oth - E1. Languages spoken fluently - Other, specify
• E2_1 - E2. languages can read comfortably - English
• E2_2 - E2. languages can read comfortably - Pidgin English
• E2_3 - E2. languages can read comfortably - Hausa
• E2_4 - E2. languages can read comfortably - Yoruba
• E2_5 - E2. languages can read comfortably - Igbo
• E2_98 - E2. languages can read comfortably - Other, specify
• E2_98_Oth - E2. languages can read comfortably - Other, specify
• E2_6 - E2. languages can read comfortably - None
• E3 - E3. Which language would you like to be interviewed in?
• E4 - E4. Which of the following best describes your marital status?
• E5 - E5. What is your relationship with the head of the household?
• E6 - E6. Respondent's gender
• E7 - E7. Respondent's exact age
• E8 - E8. Respondent's level of education
• E9_1 - E9. Source of Money - Salary/wages from Government (including NYSC payments)
• E9_2 - E9. Source of Money - Salary/wages from a business/company (formal sector)
• E9_3 - E9. Source of Money - Salary/wages from individual with own business (informal s
• E9_4 - E9. Source of Money - Salary/wages from an individual for chores such as domesti
• E9_5 - E9. Source of Money - Subsistence/small scale farming
• E9_6 - E9. Source of Money - Commercial/large scale farming
• E9_7 - E9. Source of Money - Own business/trader - non-farming
• E9_8 - E9. Source of Money - Own business/trader - farming products
• E9_9 - E9. Source of Money - Own business/trader - agricultural inputs
• E9_10 - E9. Source of Money - Own business - provide a service (e.g. hairdresser, tailor
• E9_11 - E9. Source of Money - Rent
• E9_12 - E9. Source of Money - Pension
• E9_13 - E9. Source of Money - Government grant
• E9_14 - E9. Source of Money - Drought relief
• E9_15 - E9. Source of Money - Interest on savings
• E9_16 - E9. Source of Money - Return on investments
• E9_17 - E9. Source of Money - Get money from a household member
• E9_18 - E9. Source of Money - Get money from family/friends
• E9_19 - E9. Source of Money - Household member pays my expenses
• E9_98 - E9. Source of Money - Other, specify
• E9_98_Oth - E9. Source of Money - Other, specify
• E10 - E10. Main source of income
• E11 - E11. Frequency of main source of income
• E12 - E12. Payment channel for main source of income
• E13a - E13a. Business owners - Number of employees
• E13b_1 - E13b. Business sector - Agriculture, forestry and fishing
• E13b_2 - E13b. Business sector - Mining and quarrying
• E13b_3 - E13b. Business sector - Manufacturing
• E13b_4 - E13b. Business sector - Electricity, gas, steam and air conditioning supply
• E13b_5 - E13b. Business sector - Water supply; sewerage, waste management and remediation
• E13b_6 - E13b. Business sector - Construction
• E13b_7 - E13b. Business sector - Wholesale and retail trade; repair of motor vehicles and
• E13b_8 - E13b. Business sector - Transportation and storage
• E13b_9 - E13b. Business sector - Accommodation and food service activities
• E13b_10 - E13b. Business sector - Information and communication
• E13b_11 - E13b. Business sector - Financial and insurance activities (e,g, banking, insura
• E13b_12 - E13b. Business sector - Real estate activities
• E13b_13 - E13b. Business sector - Professional, scientific and technical activities (Docto
• E13b_14 - E13b. Business sector - Administrative and support service activities
• E13b_15 - E13b. Business sector - Education
• E13b_16 - E13b. Business sector - Human health and social work activities (hospital, pharm
• E13b_17 - E13b. Business sector - Arts, entertainment and recreation
• E13b_18 - E13b. Business sector - Artisan services
• E13b_19 - E13b. Business sector - Other services providers
• E13b_98 - E13b. Business sector - Other (specify)
• E14_1 - E14. Identification documents - National ID card
• E14_2 - E14. Identification documents - National Identification Number (NIN)
• E14_3 - E14. Identification documents - IDP card
• E14_4 - E14. Identification documents - Voter’s ID card (temporary or permanent)
• E14_5 - E14. Identification documents - International Passport
• E14_6 - E14. Identification documents - Employment ID card
• E14_7 - E14. Identification documents - Medical insurance ID card
• E14_8 - E14. Identification documents - Driver’s licence
• E14_9 - E14. Identification documents - Payslip/salary slip
• E14_10 - E14. Identification documents - Land ownership documents
• E14_11 - E14. Identification documents - House ownership documents
• E14_12 - E14. Identification documents - Bank Verification Number (BVN)
• E14_13 - E14. Identification documents - Electricity bill
• E14_14 - E14. Identification documents - Water bill
• E14_15 - E14. Identification documents - Telephone/mobile phone bill
• E14_16 - E14. Identification documents - Local government rates and taxes invoice
• E14_17 - E14. Identification documents - Lease or rental agreement
• E14_18 - E14. Identification documents - Tax clearance certificate
• F1a - F1a. Source of financial advice
• F1b_1 - F1b. Preferred sources of information - Family/friend
• F1b_2 - F1b. Preferred sources of information - Spouse
• F1b_3 - F1b. Preferred sources of information - Business partner
• F1b_4 - F1b. Preferred sources of information - Employer
• F1b_5 - F1b. Preferred sources of information - Work colleague
• F1b_6 - F1b. Preferred sources of information - Religious leader
• F1b_7 - F1b. Preferred sources of information - Members of cooperative I belong to
• F1b_8 - F1b. Preferred sources of information - Members of group I belong to
• F1b_9 - F1b. Preferred sources of information - Commercial bank
• F1b_10 - F1b. Preferred sources of information - Microfinance bank
• F1b_11 - F1b. Preferred sources of information - Mobile money and/or bank agents
• F1b_12 - F1b. Preferred sources of information - Internet
• F1b_13 - F1b. Preferred sources of information - Stockbroker
• F1b_14 - F1b. Preferred sources of information - Accountant
• F1b_15 - F1b. Preferred sources of information - Newspapers/magazines
• F1b_16 - F1b. Preferred sources of information - Radio programmes
• F1b_17 - F1b. Preferred sources of information - Television programmes
• F1b_18 - F1b. Preferred sources of information - Social media
• F1b_19 - F1b. Preferred sources of information - Nobody/I don’t ask for financial advice
• F1b_20 - F1b. Preferred sources of information - SMS
• F1b_21 - F1b. Preferred sources of information - Face to Face Marketing
• F1b_22 - F1b. Preferred sources of information - Outdoor signage (Billboards e.t.c)
• F1b_98 - F1b. Preferred sources of information - Other, specify
• F2 - F2. How do you mainly make decisions about what you do with your money?
• F3_1 - F3. Financial attitudes - You can easily live your life without having a bank ac
• F3_2 - F3. Financial attitudes - You need a payslip to open a bank account
• F3_3 - F3. Financial attitudes - You can open a bank account if you do not have a proof
• F3_4 - F3. Financial attitudes - You can get a bank loan if you do not have a proof of
• F3_5 - F3. Financial attitudes - Taking loans should be avoided as much as possible
• F3_6 - F3. Financial attitudes - You save regularly
• F3_7 - F3. Financial attitudes - You would rather deal face to face with a person than
• F3_8 - F3. Financial attitudes - You are prepared to learn how to use new technology
• F3_9 - F3. Financial attitudes - You keep track of the money you receive and the money
• F3_10 - F3. Financial attitudes - You adjust your expenses according to the money you ha
• F4 - F4. Activities done in the 12 months to meet goals
• F5 - F5. Means of meeting goals - Retirement
• F6a - F6a. Did you buy something with the intention to sell it later to make a profit?
• F6a1 - F6a. What did you buy?
• F6b - F6b. Did you buy something with the intention to sell it when you need money for
• F6b1 - F6b. What did you buy?
• F6c - F6c. Did you do/buy/get something that you now use to make money to help you mee
• F6c1 - F6c. What was this?
• F7a - F7a. In the past 12 months, have you experienced running out of money and could
• F7b - F7b. What did you mainly do to pay for things when this happened?
• F8_1 - F8. How do people in your community/ neighbourhood usually raise money for these
• F8_2 - F8. How do people in your community/ neighbourhood usually raise money for these
• F8_3 - F8. How do people in your community/ neighbourhood usually raise money for these
• F8_4 - F8. How do people in your community/ neighbourhood usually raise money for these
• F8_5 - F8. How do people in your community/ neighbourhood usually raise money for these
• QF1_1 - QF1. Ever used - Commercial bank
• QF1_2 - QF1. Ever used - Microfinance bank
• QF1_3 - QF1. Ever used - Non-interest banking institution
• QF1_4 - QF1. Ever used - Mortgage institution such as FMBN
• QF1_5 - QF1. Ever used - Mobile money operator
• QF1_6 - QF1. Ever used - Cooperative Society
• QF1_7 - QF1. Ever used - Insurance provider
• QF1_8 - QF1. Ever used - Pension fund administrator
• QF1_9 - QF1. Ever used - Microfinance institution
• QF1_10 - QF1. Ever used - Savings group that you save with or borrow from
• QF1_11 - QF1. Ever used - Village/community association
• QF1_12 - QF1. Ever used - Savings/thrift collector/merchant
• QF1_13 - QF1. Ever used - Moneylender
• QF1_14 - QF1. Ever used - None of the above
• QF2_1 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_2 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_3 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_4 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_5 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_6 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_7 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_8 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_9 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_10 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_11 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_12 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF2_13 - QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves
• QF3_1 - QF3. Offer digital services - Commercial bank
• QF3_2 - QF3. Offer digital services - Microfinance bank
• QF3_3 - QF3. Offer digital services - Non-interest banking institution
• QF3_4 - QF3. Offer digital services - Mortgage institution such as FMBN
• QF3_5 - QF3. Offer digital services - Mobile money operator
• QF3_6 - QF3. Offer digital services - Cooperative Society
• QF4_1 - QF4. Registered in own name - Commercial bank
• QF4_2 - QF4. Registered in own name - Microfinance bank
• QF4_3 - QF4. Registered in own name - Non-interest banking institution
• QF4_4 - QF4. Registered in own name - Mortgage institution such as FMBN
• QF4_5 - QF4. Registered in own name - Mobile money operator
• QF4_6 - QF4. Registered in own name - Cooperative Society
• QF4_7 - QF4. Registered in own name - Insurance provider
• QF4_8 - QF4. Registered in own name - Pension fund administrator
• QF4_9 - QF4. Registered in own name - Microfinance institution
• QF4_10 - QF4. Registered in own name - Savings group that you save with or borrow from
• QF4_11 - QF4. Registered in own name - Village/community association
• QF4_12 - QF4. Registered in own name - Savings/thrift collector/merchant
• QF4_13 - QF4. Registered in own name - Moneylender
• QF5_1 - QF5. Currently or sometimes use Commercial bank
• QF5_2 - QF5. Currently or sometimes use Microfinance bank
• QF5_3 - QF5. Currently or sometimes use Non-interest banking institution
• QF5_4 - QF5. Currently or sometimes use Mortgage institution such as FMBN
• QF5_5 - QF5. Currently or sometimes use Mobile money operator)
• QF5_6 - QF5. Currently or sometimes use Cooperative Society
• QF5_7 - QF5. Currently or sometimes use Insurance provider
• QF5_8 - QF5. Currently or sometimes use Pension fund administrator
• QF5_9 - QF5. Currently or sometimes use Microfinance institution
• QF5_10 - QF5. Currently or sometimes use Savings group that you save with or borrow from
• QF5_11 - QF5. Currently or sometimes use Village/community association
• QF5_12 - QF5. Currently or sometimes use Savings/thrift collector/merchant
• QF5_13 - QF5. Currently or sometimes use Moneylender
• QF6_1_1 - QF6. Activities conducted at commercial bank - Deposited or withdrew money
• QF6_1_2 - QF6. Activities conducted at commercial bank - Bought airtime top-ups or paid a
• QF6_1_3 - QF6. Activities conducted at commercial bank - Paid a school fee
• QF6_1_4 - QF6. Activities conducted at commercial bank - Paid a bill for medical treatment
• QF6_1_5 - QF6. Activities conducted at commercial bank - Paid a tax, fine, fee, or other p
• QF6_1_6 - QF6. Activities conducted at commercial bank - Sent money to, or received money
• QF6_1_7 - QF6. Activities conducted at commercial bank - Received money from the governmen
• QF6_1_8 - QF6. Activities conducted at commercial bank - Received wages from an employer
• QF6_1_9 - QF6. Activities conducted at commercial bank - Made insurance payments or receiv
• QF6_1_10 - QF6. Activities conducted at commercial bank - Borrowed money
• QF6_1_11 - QF6. Activities conducted at commercial bank - Saved money
• QF6_1_12 - QF6. Activities conducted at commercial bank - Made an investment
• QF6_1_13 - QF6. Activities conducted at commercial bank - Paid for goods or services at a s
• QF6_2_1 - QF6. Activities conducted at microfinace bank - Deposited or withdrew money
• QF6_2_2 - QF6. Activities conducted at microfinace bank - Bought airtime top-ups or paid a
• QF6_2_3 - QF6. Activities conducted at microfinace bank - Paid a school fee
• QF6_2_4 - QF6. Activities conducted at microfinace bank - Paid a bill for medical treatmen
• QF6_2_5 - QF6. Activities conducted at microfinace bank - Paid a tax, fine, fee, or other
• QF6_2_6 - QF6. Activities conducted at microfinace bank - Sent money to, or received money
• QF6_2_7 - QF6. Activities conducted at microfinace bank - Received money from the governme
• QF6_2_8 - QF6. Activities conducted at microfinace bank - Received wages from an employer
• QF6_2_9 - QF6. Activities conducted at microfinace bank - Made insurance payments or recei
• QF6_2_10 - QF6. Activities conducted at microfinace bank - Borrowed money
• QF6_2_11 - QF6. Activities conducted at microfinace bank - Saved money
• QF6_2_12 - QF6. Activities conducted at microfinace bank - Made an investment
• QF6_2_13 - QF6. Activities conducted at microfinace bank - Paid for goods or services at a
• QF6_3_1 - QF6. Activities conducted at Non-interest banking institution - Deposited or wit
• QF6_3_2 - QF6. Activities conducted at Non-interest banking institution - Bought airtime t
• QF6_3_3 - QF6. Activities conducted at Non-interest banking institution - Paid a school fe
• QF6_3_4 - QF6. Activities conducted at Non-interest banking institution - Paid a bill for
• QF6_3_5 - QF6. Activities conducted at Non-interest banking institution - Paid a tax, fine
• QF6_3_6 - QF6. Activities conducted at Non-interest banking institution - Sent money to, o
• QF6_3_7 - QF6. Activities conducted at Non-interest banking institution - Received money f
• QF6_3_8 - QF6. Activities conducted at Non-interest banking institution - Received wages f
• QF6_3_9 - QF6. Activities conducted at Non-interest banking institution - Made insurance p
• QF6_3_10 - QF6. Activities conducted at Non-interest banking institution - Borrowed money
• QF6_3_11 - QF6. Activities conducted at Non-interest banking institution - Saved money
• QF6_3_12 - QF6. Activities conducted at Non-interest banking institution - Made an investme
• QF6_3_13 - QF6. Activities conducted at Non-interest banking institution - Paid for goods o
• QF6_4_1 - QF6. Activities conducted at Mortgage institution such as FMBN - Deposited or wi
• QF6_4_2 - QF6. Activities conducted at Mortgage institution such as FMBN - Bought airtime
• QF6_4_3 - QF6. Activities conducted at Mortgage institution such as FMBN - Paid a school f
• QF6_4_4 - QF6. Activities conducted at Mortgage institution such as FMBN - Paid a bill for
• QF6_4_5 - QF6. Activities conducted at Mortgage institution such as FMBN - Paid a tax, fin
• QF6_4_6 - QF6. Activities conducted at Mortgage institution such as FMBN - Sent money to,
• QF6_4_7 - QF6. Activities conducted at Mortgage institution such as FMBN - Received money
• QF6_4_8 - QF6. Activities conducted at Mortgage institution such as FMBN - Received wages
• QF6_4_9 - QF6. Activities conducted at Mortgage institution such as FMBN - Made insurance
• QF6_4_10 - QF6. Activities conducted at Mortgage institution such as FMBN - Borrowed money
• QF6_4_11 - QF6. Activities conducted at Mortgage institution such as FMBN - Saved money
• QF6_4_12 - QF6. Activities conducted at Mortgage institution such as FMBN - Made an investm
• QF6_4_13 - QF6. Activities conducted at Mortgage institution such as FMBN - Paid for goods
• QF6_5_1 - QF6. Activities conducted with Mobile money operator) - Deposited or withdrew mo
• QF6_5_2 - QF6. Activities conducted with Mobile money operator) - Bought airtime top-ups o
• QF6_5_3 - QF6. Activities conducted with Mobile money operator) - Paid a school fee
• QF6_5_4 - QF6. Activities conducted with Mobile money operator) - Paid a bill for medical
• QF6_5_5 - QF6. Activities conducted with Mobile money operator) - Paid a tax, fine, fee, o
• QF6_5_6 - QF6. Activities conducted with Mobile money operator) - Sent money to, or receiv
• QF6_5_7 - QF6. Activities conducted with Mobile money operator) - Received money from the
• QF6_5_8 - QF6. Activities conducted with Mobile money operator) - Received wages from an e
• QF6_5_9 - QF6. Activities conducted with Mobile money operator) - Made insurance payments
• QF6_5_10 - QF6. Activities conducted with Mobile money operator) - Borrowed money
• QF6_5_11 - QF6. Activities conducted with Mobile money operator) - Saved money
• QF6_5_12 - QF6. Activities conducted with Mobile money operator) - Made an investment
• QF6_5_13 - QF6. Activities conducted with Mobile money operator) - Paid for goods or servic
• QF6_6_1 - QF6. Activities conducted with Cooperative Society - Deposited or withdrew money
• QF6_6_2 - QF6. Activities conducted with Cooperative Society - Bought airtime top-ups or p
• QF6_6_3 - QF6. Activities conducted with Cooperative Society - Paid a school fee
• QF6_6_4 - QF6. Activities conducted with Cooperative Society - Paid a bill for medical tre
• QF6_6_5 - QF6. Activities conducted with Cooperative Society - Paid a tax, fine, fee, or o
• QF6_6_6 - QF6. Activities conducted with Cooperative Society - Sent money to, or received
• QF6_6_7 - QF6. Activities conducted with Cooperative Society - Received money from the gov
• QF6_6_8 - QF6. Activities conducted with Cooperative Society - Received wages from an empl
• QF6_6_9 - QF6. Activities conducted with Cooperative Society - Made insurance payments or
• QF6_6_10 - QF6. Activities conducted with Cooperative Society - Borrowed money
• QF6_6_11 - QF6. Activities conducted with Cooperative Society - Saved money
• QF6_6_12 - QF6. Activities conducted with Cooperative Society - Made an investment
• QF6_6_13 - QF6. Activities conducted with Cooperative Society - Paid for goods or services
• QF7a_1 - QF7a. Level of satisfaction for - Commercial bank
• QF7a_2 - QF7a. Level of satisfaction for - Microfinance bank
• QF7a_3 - QF7a. Level of satisfaction for - Non-interest banking institution
• QF7a_4 - QF7a. Level of satisfaction for - Mortgage institution such as FMBN
• QF7a_5 - QF7a. Level of satisfaction for - Mobile money operator)
• QF7a_6 - QF7a. Level of satisfaction for - Cooperative Society
• QF7a_7 - QF7a. Level of satisfaction for - Insurance provider
• QF7a_8 - QF7a. Level of satisfaction for - Pension fund administrator
• QF7a_9 - QF7a. Level of satisfaction for - Microfinance institution
• QF7a_10 - QF7a. Level of satisfaction for - Savings group that you save with or borrow fro
• QF7a_11 - QF7a. Level of satisfaction for - Village/community association
• QF7a_12 - QF7a. Level of satisfaction for - Savings/thrift collector/merchant
• QF7a_13 - QF7a. Level of satisfaction for - Moneylender
• QF7b_1 - QF7b. When did you last use - Commercial bank
• QF7b_2 - QF7b. When did you last use - Microfinance bank
• QF7b_3 - QF7b. When did you last use - Non-interest banking institution
• QF7b_4 - QF7b. When did you last use - Mortgage institution such as FMBN
• QF7b_5 - QF7b. When did you last use - Mobile money operator)
• QF7b_6 - QF7b. When did you last use - Cooperative Society
• QF7b_7 - QF7b. When did you last use - Insurance provider
• QF7b_8 - QF7b. When did you last use - Pension fund administrator
• QF7b_9 - QF7b. When did you last use - Microfinance institution
• QF7b_10 - QF7b. When did you last use - Savings group that you save with or borrow from
• QF7b_11 - QF7b. When did you last use - Village/community association
• QF7b_12 - QF7b. When did you last use - Savings/thrift collector/merchant
• QF7b_13 - QF7b. When did you last use - Moneylender
• QF8 - QF8. Most important institution
• QF9_1 - QF9. Reasons for ranking high - Ease of access
• QF9_2 - QF9. Reasons for ranking high - Safety of funds
• QF9_3 - QF9. Reasons for ranking high - Convenience
• QF9_4 - QF9. Reasons for ranking high - Cost of product/service
• QF9_5 - QF9. Reasons for ranking high - Availability
• QF9_6 - QF9. Reasons for ranking high - Trust
• QF9_98 - QF9. Reasons for ranking high - Other, specify
• QF10 - QF10. If you have a problem with your bank that you cannot resolve, who do you t
• QF10_98_Oth - QF10. If you have a problem with your bank that you cannot resolve, who do you t
• FS1_1_1 - FS1. Commercial bank_Belong to someone’s else
• FS1_2_1 - FS1. Commercial bank_Belong to a group account
• FS1_1_2 - FS1. Microfinance bank_Belong to someone’s else
• FS1_2_2 - FS1. Microfinance bank_Belong to a group account
• FS1_1_3 - FS1. Non-interest banking institution_Belong to someone’s else
• FS1_2_3 - FS1. Non-interest banking institution_Belong to a group account
• FS1_1_4 - FS1. Mortgage institution such as FMBN_Belong to someone’s else
• FS1_2_4 - FS1. Mortgage institution such as FMBN_Belong to a group account
• FS1_1_5 - FS1. Mobile money operator_Belong to someone’s else
• FS1_2_5 - FS1. Mobile money operator_Belong to a group account
• FS1_1_6 - FS1. Cooperative Society_Belong to someone’s else
• FS1_2_6 - FS1. Cooperative Society_Belong to a group account
• FS1_1_7 - FS1. Insurance provider_Belong to someone’s else
• FS1_2_7 - FS1. Insurance provider_Belong to a group account
• FS1_1_8 - FS1. Pension fund administrator_Belong to someone’s else
• FS1_2_8 - FS1. Pension fund administrator_Belong to a group account
• FS1_1_9 - FS1. Microfinance institution_Belong to someone’s else
• FS1_2_9 - FS1. Microfinance institution_Belong to a group account
• FS1_1_10 - FS1. Savings group that you save with or borrow from_Belong to someone’s else
• FS1_2_10 - FS1. Savings group that you save with or borrow from_Belong to a group account
• FS1_1_11 - FS1. Village/community association_Belong to someone’s else
• FS1_2_11 - FS1. Village/community association_Belong to a group account
• FS1_1_12 - FS1. Savings/thrift collector/merchant_Belong to someone’s else
• FS1_2_12 - FS1. Savings/thrift collector/merchant_Belong to a group account
• FS1_1_13 - FS1. Moneylender_Belong to someone’s else
• FS1_2_13 - FS1. Moneylender_Belong to a group account
• FS2_1 - FS2. When was the account opened - Commercial bank
• FS2_2 - FS2. When was the account opened - Microfinance bank
• FS2_3 - FS2. When was the account opened - Non-interest banking institution
• FS2_4 - FS2. When was the account opened - Mortgage institution such as FMBN
• FS2_5 - FS2. When was the account opened - Mobile money operator
• FS2_6 - FS2. When was the account opened - Cooperative Society
• FS2_7 - FS2. When was the account opened - Insurance provider
• FS2_8 - FS2. When was the account opened - Pension fund administrator
• FS2_9 - FS2. When was the account opened - Microfinance institution
• FS2_10 - FS2. When was the account opened - Savings group that you save with or borrow fr
• FS2_11 - FS2. When was the account opened - Village/community association
• FS2_12 - FS2. When was the account opened - Savings/thrift collector/merchant
• FS2_13 - FS2. When was the account opened - Moneylender
• FS3_1_1 - FS3.1. Required documents at Commercial bank - National ID card
• FS3_1_2 - FS3.1. Required documents at Commercial bank - National Identification Number (N
• FS3_1_3 - FS3.1. Required documents at Commercial bank - International passport
• FS3_1_4 - FS3.1. Required documents at Commercial bank - Driver’s license
• FS3_1_5 - FS3.1. Required documents at Commercial bank - Voter’s card (temporary or perman
• FS3_1_6 - FS3.1. Required documents at Commercial bank - Passport photograph
• FS3_1_7 - FS3.1. Required documents at Commercial bank - Completed application form
• FS3_1_8 - FS3.1. Required documents at Commercial bank - Completed reference form
• FS3_1_9 - FS3.1. Required documents at Commercial bank - Proof of address/utility bill
• FS3_1_10 - FS3.1. Required documents at Commercial bank - Mobile phone number
• FS3_1_11 - FS3.1. Required documents at Commercial bank - Email address
• FS3_1_12 - FS3.1. Required documents at Commercial bank - Bank account details
• FS3_1_13 - FS3.1. Required documents at Commercial bank - Income slip
• FS3_1_14 - FS3.1. Required documents at Commercial bank - Name and address but no document
• FS3_1_98 - FS3.1. Required documents at Commercial bank - Other, specify
• FS3_1_96 - FS3.1. Required documents at Commercial bank - Don’t know/Can’t remember
• FS3_1_98_Oth - FS3.1. Required documents at Commercial bank - Other, specify_What document/s we
• FS3_14 - FS3.1. Required documents at Commercial bank - Other, specify_What document/s we
• FS3_2_1 - FS3.2. Required documents at Microfinance bank - National ID card
• FS3_2_2 - FS3.2. Required documents at Microfinance bank - National Identification Number
• FS3_2_3 - FS3.2. Required documents at Microfinance bank - International passport
• FS3_2_4 - FS3.2. Required documents at Microfinance bank - Driver’s license
• FS3_2_5 - FS3.2. Required documents at Microfinance bank - Voter’s card (temporary or perm
• FS3_2_6 - FS3.2. Required documents at Microfinance bank - Passport photograph
• FS3_2_7 - FS3.2. Required documents at Microfinance bank - Completed application form
• FS3_2_8 - FS3.2. Required documents at Microfinance bank - Completed reference form
• FS3_2_9 - FS3.2. Required documents at Microfinance bank - Proof of address/utility bill
• FS3_2_10 - FS3.2. Required documents at Microfinance bank - Mobile phone number
• FS3_2_11 - FS3.2. Required documents at Microfinance bank - Email address
• FS3_2_12 - FS3.2. Required documents at Microfinance bank - Bank account details
• FS3_2_13 - FS3.2. Required documents at Microfinance bank - Income slip
• FS3_2_14 - FS3.2. Required documents at Microfinance bank - Name and address but no documen
• FS3_2_98 - FS3.2. Required documents at Microfinance bank - Other, specify
• FS3_2_96 - FS3.2. Required documents at Microfinance bank - Don’t know/Can’t remember
• FS3_3_1 - FS3.3. Required documents at Non-interest banking institution - National ID card
• FS3_3_2 - FS3.3. Required documents at Non-interest banking institution - National Identif
• FS3_3_3 - FS3.3. Required documents at Non-interest banking institution - International pa
• FS3_3_4 - FS3.3. Required documents at Non-interest banking institution - Driver’s license
• FS3_3_5 - FS3.3. Required documents at Non-interest banking institution - Voter’s card (te
• FS3_3_6 - FS3.3. Required documents at Non-interest banking institution - Passport photogr
• FS3_3_7 - FS3.3. Required documents at Non-interest banking institution - Completed applic
• FS3_3_8 - FS3.3. Required documents at Non-interest banking institution - Completed refere
• FS3_3_9 - FS3.3. Required documents at Non-interest banking institution - Proof of address
• FS3_3_10 - FS3.3. Required documents at Non-interest banking institution - Mobile phone num
• FS3_3_11 - FS3.3. Required documents at Non-interest banking institution - Email address
• FS3_3_12 - FS3.3. Required documents at Non-interest banking institution - Bank account det
• FS3_3_13 - FS3.3. Required documents at Non-interest banking institution - Income slip
• FS3_3_14 - FS3.3. Required documents at Non-interest banking institution - Name and address
• FS3_3_98 - FS3.3. Required documents at Non-interest banking institution - Other, specify
• FS3_3_96 - FS3.3. Required documents at Non-interest banking institution - Don’t know/Can’t
• FS3_3_98_Oth - FS3.3. Required documents at Non-interest banking institution - Other, specify_W
• FS3_30 - FS3.3. Required documents at Non-interest banking institution - Other, specify_W
• FS3_4_1 - FS3.4. Required documents at Mortgage institution such as FMBN - National ID car
• FS3_4_2 - FS3.4. Required documents at Mortgage institution such as FMBN - National Identi
• FS3_4_3 - FS3.4. Required documents at Mortgage institution such as FMBN - International p
• FS3_4_4 - FS3.4. Required documents at Mortgage institution such as FMBN - Driver’s licens
• FS3_4_5 - FS3.4. Required documents at Mortgage institution such as FMBN - Voter’s card (t
• FS3_4_6 - FS3.4. Required documents at Mortgage institution such as FMBN - Passport photog
• FS3_4_7 - FS3.4. Required documents at Mortgage institution such as FMBN - Completed appli
• FS3_4_8 - FS3.4. Required documents at Mortgage institution such as FMBN - Completed refer
• FS3_4_9 - FS3.4. Required documents at Mortgage institution such as FMBN - Proof of addres
• FS3_4_10 - FS3.4. Required documents at Mortgage institution such as FMBN - Mobile phone nu
• FS3_4_11 - FS3.4. Required documents at Mortgage institution such as FMBN - Email address
• FS3_4_12 - FS3.4. Required documents at Mortgage institution such as FMBN - Bank account de
• FS3_4_13 - FS3.4. Required documents at Mortgage institution such as FMBN - Income slip
• FS3_4_14 - FS3.4. Required documents at Mortgage institution such as FMBN - Name and addres
• FS3_4_98 - FS3.4. Required documents at Mortgage institution such as FMBN - Other, specify
• FS3_4_96 - FS3.4. Required documents at Mortgage institution such as FMBN - Don’t know/Can’
• FS3_4_98_Oth - FS3.4. Required documents at Mortgage institution such as FMBN - Other, specify_
• FS3_40 - FS3.4. Required documents at Mortgage institution such as FMBN - Other, specify_
• FS3_5_1 - FS3.5. Required documents - Mobile money operator - National ID card
• FS3_5_2 - FS3.5. Required documents - Mobile money operator - National Identification Numb
• FS3_5_3 - FS3.5. Required documents - Mobile money operator - International passport
• FS3_5_4 - FS3.5. Required documents - Mobile money operator - Driver’s license
• FS3_5_5 - FS3.5. Required documents - Mobile money operator - Voter’s card (temporary or p
• FS3_5_6 - FS3.5. Required documents - Mobile money operator - Passport photograph
• FS3_5_7 - FS3.5. Required documents - Mobile money operator - Completed application form
• FS3_5_8 - FS3.5. Required documents - Mobile money operator - Completed reference form
• FS3_5_9 - FS3.5. Required documents - Mobile money operator - Proof of address/utility bil
• FS3_5_10 - FS3.5. Required documents - Mobile money operator - Mobile phone number
• FS3_5_11 - FS3.5. Required documents - Mobile money operator - Email address
• FS3_5_12 - FS3.5. Required documents - Mobile money operator - Bank account details
• FS3_5_13 - FS3.5. Required documents - Mobile money operator - Income slip
• FS3_5_14 - FS3.5. Required documents - Mobile money operator - Name and address but no docu
• FS3_5_98 - FS3.5. Required documents - Mobile money operator - Other, specify
• FS3_5_96 - FS3.5. Required documents - Mobile money operator - Don’t know/Can’t remember
• FS3_5_98_Oth - FS3.5. Required documents - Mobile money operator - Other, specify
• FS3_50 - FS3.5. Required documents - Mobile money operator - Other, specify
• FS3_6_1 - FS3.6. Required documents - Cooperative Society - National ID card
• FS3_6_2 - FS3.6. Required documents - Cooperative Society - National Identification Number
• FS3_6_3 - FS3.6. Required documents - Cooperative Society - International passport
• FS3_6_4 - FS3.6. Required documents - Cooperative Society - Driver’s license
• FS3_6_5 - FS3.6. Required documents - Cooperative Society - Voter’s card (temporary or per
• FS3_6_6 - FS3.6. Required documents - Cooperative Society - Passport photograph
• FS3_6_7 - FS3.6. Required documents - Cooperative Society - Completed application form
• FS3_6_8 - FS3.6. Required documents - Cooperative Society - Completed reference form
• FS3_6_9 - FS3.6. Required documents - Cooperative Society - Proof of address/utility bill
• FS3_6_10 - FS3.6. Required documents - Cooperative Society - Mobile phone number
• FS3_6_11 - FS3.6. Required documents - Cooperative Society - Email address
• FS3_6_12 - FS3.6. Required documents - Cooperative Society - Bank account details
• FS3_6_13 - FS3.6. Required documents - Cooperative Society - Income slip
• FS3_6_14 - FS3.6. Required documents - Cooperative Society - Name and address but no docume
• FS3_6_98 - FS3.6. Required documents - Cooperative Society - Other, specify
• FS3_6_96 - FS3.6. Required documents - Cooperative Society - Don’t know/Can’t remember
• FS3_6_98_Oth - FS3.6. Required documents - Cooperative Society - Other, specify
• FS3_60 - FS3.6. Required documents - Cooperative Society - Other, specify
• FS3_7_1 - FS3.7. Required documents - Insurance provider - National ID card
• FS3_7_2 - FS3.7. Required documents - Insurance provider - National Identification Number
• FS3_7_3 - FS3.7. Required documents - Insurance provider - International passport
• FS3_7_4 - FS3.7. Required documents - Insurance provider - Driver’s license
• FS3_7_5 - FS3.7. Required documents - Insurance provider - Voter’s card (temporary or perm
• FS3_7_6 - FS3.7. Required documents - Insurance provider - Passport photograph
• FS3_7_7 - FS3.7. Required documents - Insurance provider - Completed application form
• FS3_7_8 - FS3.7. Required documents - Insurance provider - Completed reference form
• FS3_7_9 - FS3.7. Required documents - Insurance provider - Proof of address/utility bill
• FS3_7_10 - FS3.7. Required documents - Insurance provider - Mobile phone number
• FS3_7_11 - FS3.7. Required documents - Insurance provider - Email address
• FS3_7_12 - FS3.7. Required documents - Insurance provider - Bank account details
• FS3_7_13 - FS3.7. Required documents - Insurance provider - Income slip
• FS3_7_14 - FS3.7. Required documents - Insurance provider - Name and address but no documen
• FS3_7_98 - FS3.7. Required documents - Insurance provider - Other, specify
• FS3_7_96 - FS3.7. Required documents - Insurance provider - Don’t know/Can’t remember
• FS3_8_1 - FS3.8. Required documents - Insurance provider - National ID card
• FS3_8_2 - FS3.8. Required documents - Insurance provider - National Identification Number
• FS3_8_3 - FS3.8. Required documents - Insurance provider - International passport
• FS3_8_4 - FS3.8. Required documents - Insurance provider - Driver’s license
• FS3_8_5 - FS3.8. Required documents - Insurance provider - Voter’s card (temporary or perm
• FS3_8_6 - FS3.8. Required documents - Insurance provider - Passport photograph
• FS3_8_7 - FS3.8. Required documents - Insurance provider - Completed application form
• FS3_8_8 - FS3.8. Required documents - Insurance provider - Completed reference form
• FS3_8_9 - FS3.8. Required documents - Insurance provider - Proof of address/utility bill
• FS3_8_10 - FS3.8. Required documents - Insurance provider - Mobile phone number
• FS3_8_11 - FS3.8. Required documents - Insurance provider - Email address
• FS3_8_12 - FS3.8. Required documents - Insurance provider - Bank account details
• FS3_8_13 - FS3.8. Required documents - Insurance provider - Income slip
• FS3_8_14 - FS3.8. Required documents - Insurance provider - Name and address but no documen
• FS3_8_98 - FS3.8. Required documents - Insurance provider - Other, specify
• FS3_8_96 - FS3.8. Required documents - Insurance provider - Don’t know/Can’t remember
• FS3_8_98_Oth - FS3.8. Required documents - Insurance provider - Other, specify_What document/s
• FS3_80 - FS3.8. Required documents - Insurance provider - Other, specify_What document/s
• FS3_9_1 - FS3.9. Required documents - Microfinance institution - National ID card
• FS3_9_2 - FS3.9. Required documents - Microfinance institution - National Identification N
• FS3_9_3 - FS3.9. Required documents - Microfinance institution - International passport
• FS3_9_4 - FS3.9. Required documents - Microfinance institution - Driver’s license
• FS3_9_5 - FS3.9. Required documents - Microfinance institution - Voter’s card (temporary o
• FS3_9_6 - FS3.9. Required documents - Microfinance institution - Passport photograph
• FS3_9_7 - FS3.9. Required documents - Microfinance institution - Completed application for
• FS3_9_8 - FS3.9. Required documents - Microfinance institution - Completed reference form
• FS3_9_9 - FS3.9. Required documents - Microfinance institution - Proof of address/utility
• FS3_9_10 - FS3.9. Required documents - Microfinance institution - Mobile phone number
• FS3_9_11 - FS3.9. Required documents - Microfinance institution - Email address
• FS3_9_12 - FS3.9. Required documents - Microfinance institution - Bank account details
• FS3_9_13 - FS3.9. Required documents - Microfinance institution - Income slip
• FS3_9_14 - FS3.9. Required documents - Microfinance institution - Name and address but no d
• FS3_9_98 - FS3.9. Required documents - Microfinance institution - Other, specify
• FS3_9_96 - FS3.9. Required documents - Microfinance institution - Don’t know/Can’t remember
• FS3_9_98_Oth - FS3.9. Required documents - Microfinance institution - Other, specify
• FS3_90 - FS3.9. Required documents - Microfinance institution - Other, specify
• FS3_10_1 - FS3.10. Required documents - Savings group that you save with or borrow from - N
• FS3_10_2 - FS3.10. Required documents - Savings group that you save with or borrow from - N
• FS3_10_3 - FS3.10. Required documents - Savings group that you save with or borrow from - I
• FS3_10_4 - FS3.10. Required documents - Savings group that you save with or borrow from - D
• FS3_10_5 - FS3.10. Required documents - Savings group that you save with or borrow from - V
• FS3_10_6 - FS3.10. Required documents - Savings group that you save with or borrow from - P
• FS3_10_7 - FS3.10. Required documents - Savings group that you save with or borrow from - C
• FS3_10_8 - FS3.10. Required documents - Savings group that you save with or borrow from - C
• FS3_10_9 - FS3.10. Required documents - Savings group that you save with or borrow from - P
• FS3_10_10 - FS3.10. Required documents - Savings group that you save with or borrow from - M
• FS3_10_11 - FS3.10. Required documents - Savings group that you save with or borrow from - E
• FS3_10_12 - FS3.10. Required documents - Savings group that you save with or borrow from - B
• FS3_10_13 - FS3.10. Required documents - Savings group that you save with or borrow from - I
• FS3_10_14 - FS3.10. Required documents - Savings group that you save with or borrow from - N
• FS3_10_98 - FS3.10. Required documents - Savings group that you save with or borrow from - O
• FS3_10_96 - FS3.10. Required documents - Savings group that you save with or borrow from - D
• FS3_10_98_Oth - FS3.10. Required documents - Savings group that you save with or borrow from - O
• FS3_13 - FS3.10. Required documents - Savings group that you save with or borrow from - O
• FS3_11_1 - FS3.11. Required documents - Village/community association - National ID card
• FS3_11_2 - FS3.11. Required documents - Village/community association - National Identifica
• FS3_11_3 - FS3.11. Required documents - Village/community association - International passp
• FS3_11_4 - FS3.11. Required documents - Village/community association - Driver’s license
• FS3_11_5 - FS3.11. Required documents - Village/community association - Voter’s card (tempo
• FS3_11_6 - FS3.11. Required documents - Village/community association - Passport photograph
• FS3_11_7 - FS3.11. Required documents - Village/community association - Completed applicati
• FS3_11_8 - FS3.11. Required documents - Village/community association - Completed reference
• FS3_11_9 - FS3.11. Required documents - Village/community association - Proof of address/ut
• FS3_11_10 - FS3.11. Required documents - Village/community association - Mobile phone number
• FS3_11_11 - FS3.11. Required documents - Village/community association - Email address
• FS3_11_12 - FS3.11. Required documents - Village/community association - Bank account detail
• FS3_11_13 - FS3.11. Required documents - Village/community association - Income slip
• FS3_11_14 - FS3.11. Required documents - Village/community association - Name and address bu
• FS3_11_98 - FS3.11. Required documents - Village/community association - Other, specify
• FS3_11_96 - FS3.11. Required documents - Village/community association - Don’t know/Can’t re
• FS3_11_98_Oth - FS3.11. Required documents - Village/community association - Other, specify_What
• FS3_12 - FS3.11. Required documents - Village/community association - Other, specify_What
• FS3_12_1 - FS3.12. Required documents - Savings/thrift collector/merchant - National ID car
• FS3_12_2 - FS3.12. Required documents - Savings/thrift collector/merchant - National Identi
• FS3_12_3 - FS3.12. Required documents - Savings/thrift collector/merchant - International p
• FS3_12_4 - FS3.12. Required documents - Savings/thrift collector/merchant - Driver’s licens
• FS3_12_5 - FS3.12. Required documents - Savings/thrift collector/merchant - Voter’s card (t
• FS3_12_6 - FS3.12. Required documents - Savings/thrift collector/merchant - Passport photog
• FS3_12_7 - FS3.12. Required documents - Savings/thrift collector/merchant - Completed appli
• FS3_12_8 - FS3.12. Required documents - Savings/thrift collector/merchant - Completed refer
• FS3_12_9 - FS3.12. Required documents - Savings/thrift collector/merchant - Proof of addres
• FS3_12_10 - FS3.12. Required documents - Savings/thrift collector/merchant - Mobile phone nu
• FS3_12_11 - FS3.12. Required documents - Savings/thrift collector/merchant - Email address
• FS3_12_12 - FS3.12. Required documents - Savings/thrift collector/merchant - Bank account de
• FS3_12_13 - FS3.12. Required documents - Savings/thrift collector/merchant - Income slip
• FS3_12_14 - FS3.12. Required documents - Savings/thrift collector/merchant - Name and addres
• FS3_12_98 - FS3.12. Required documents - Savings/thrift collector/merchant - Other, specify
• FS3_12_96 - FS3.12. Required documents - Savings/thrift collector/merchant - Don’t know/Can’
• FS3_12_98_Oth - FS3.12. Required documents - Savings/thrift collector/merchant - Other, specify
• FS3_11 - FS3.12. Required documents - Savings/thrift collector/merchant - Other, specify
• FS3_13_1 - FS3.13. Required documents - Moneylender - National ID card
• FS3_13_2 - FS3.13. Required documents - Moneylender - National Identification Number (NIN)
• FS3_13_3 - FS3.13. Required documents - Moneylender - International passport
• FS3_13_4 - FS3.13. Required documents - Moneylender - Driver’s license
• FS3_13_5 - FS3.13. Required documents - Moneylender - Voter’s card (temporary or permanent)
• FS3_13_6 - FS3.13. Required documents - Moneylender - Passport photograph
• FS3_13_7 - FS3.13. Required documents - Moneylender - Completed application form
• FS3_13_8 - FS3.13. Required documents - Moneylender - Completed reference form
• FS3_13_9 - FS3.13. Required documents - Moneylender - Proof of address/utility bill
• FS3_13_10 - FS3.13. Required documents - Moneylender - Mobile phone number
• FS3_13_11 - FS3.13. Required documents - Moneylender - Email address
• FS3_13_12 - FS3.13. Required documents - Moneylender - Bank account details
• FS3_13_13 - FS3.13. Required documents - Moneylender - Income slip
• FS3_13_14 - FS3.13. Required documents - Moneylender - Name and address but no document was
• FS3_13_98 - FS3.13. Required documents - Moneylender - Other, specify
• FS3_13_96 - FS3.13. Required documents - Moneylender - Don’t know/Can’t remember
• FS3_13_98_Oth - FS3.13. Required documents - Moneylender - Other, specify
• FS3_10 - FS3.13. Required documents - Moneylender - Other, specify
• FS4_1_1 - FS4.1. Number of savings accounts - Commercial bank
• FS4_1_2 - FS4.1. Number of current accounts - Commercial bank
• FS4_1_3 - FS4.1. Number of fixed deposits - Commercial bank
• FS4_1_4 - FS4.1. Number of outstanding loans - Commercial bank
• FS4_2_1 - FS4.2. Number of savings accounts - Microfinance bank
• FS4_2_2 - FS4.2. Number of current accounts - Microfinance bank
• FS4_2_3 - FS4.2. Number of fixed deposits - Microfinance bank
• FS4_2_4 - FS4.2. Number of outstanding loans - Microfinance bank
• FS4_3_1 - FS4.3. Number of current savings accounts - Non-interest banking institution
• FS4_3_2 - FS4.3. Number of current accounts - Non-interest banking institution
• FS4_3_3 - FS4.3. Number of fixed deposits - Non-interest banking institution
• FS4_3_4 - FS4.3. Number of outstanding loans - Non-interest banking institution
• FS4_4_1 - FS4.4. Number of current savings accounts - Mortgage institution such as FMBN
• FS4_4_2 - FS4.4. Number of current accounts - Mortgage institution such as FMBN
• FS4_4_3 - FS4.4. Number of fixed deposits - Mortgage institution such as FMBN
• FS4_4_4 - FS4.4. Number of outstanding loans - Mortgage institution such as FMBN
• FS4_5_1 - FS4.5. Number of current savings accounts - Mobile money operator
• FS4_5_2 - FS4.5. Number of current accounts - Mobile money operator
• FS4_5_3 - FS4.5. Number of fixed deposits - Mobile money operator
• FS4_5_4 - FS4.5. Number of outstanding loans - Mobile money operator
• FS4_6_1 - FS4.6. Number of current savings accounts - Cooperative Society
• FS4_6_2 - FS4.6. Number of current accounts - Cooperative Society
• FS4_6_3 - FS4.6. Number of fixed deposits - Cooperative Society
• FS4_6_4 - FS4.6. Number of outstanding loans - Cooperative Society
• FS4_7_1 - FS4.7. Number of current savings accounts - Insurance provider
• FS4_7_2 - FS4.7. Number of current accounts - Insurance provider
• FS4_7_3 - FS4.7. Number of fixed deposits - Insurance provider
• FS4_7_4 - FS4.7. Number of outstanding loans - Insurance provider
• FS4_8_1 - FS4.8. Number of current savings accounts - Pension fund administrator
• FS4_8_2 - FS4.8. Number of current accounts - Pension fund administrator
• FS4_8_3 - FS4.8. Number of fixed deposits - Pension fund administrator
• FS4_8_4 - FS4.8. Number of outstanding loans - Pension fund administrator
• FS4_9_1 - FS4.9. Number of current savings accounts - Microfinance institution
• FS4_9_2 - FS4.9. Number of current accounts - Microfinance institution
• FS4_9_3 - FS4.9. Number of fixed deposits - Microfinance institution
• FS4_9_4 - FS4.9. Number of outstanding loans - Microfinance institution
• FS4_10_1 - FS4.10. Number of current savings accounts - Savings group
• FS4_10_2 - FS4.10. Number of current accounts - Savings group
• FS4_10_3 - FS4.10. Number of fixed deposits - Savings group
• FS4_10_4 - FS4.10. Number of outstanding loans - Savings group
• FS4_11_1 - FS4.11. Number of current savings accounts - Village/community association
• FS4_11_2 - FS4.11. Number of current accounts - Village/community association
• FS4_11_3 - FS4.11. Number of fixed deposits - Village/community association
• FS4_11_4 - FS4.11. Number of outstanding loans - Village/community association
• FS4_12_1 - FS4.12. Number of current savings accounts - Savings/thrift collector/merchant
• FS4_12_2 - FS4.12. Number of current accounts - Savings/thrift collector/merchant
• FS4_12_3 - FS4.12. Number of fixed deposits - Savings/thrift collector/merchant
• FS4_12_4 - FS4.12. Number of outstanding loans - Savings/thrift collector/merchant
• FS4_13_1 - FS4.13. Number of current savings accounts - Moneylender
• FS4_13_2 - FS4.13. Number of current accounts - Moneylender
• FS4_13_3 - FS4.13. Number of fixed deposits - Moneylender
• FS4_13_4 - FS4.13. Number of outstanding loans - Moneylender
• BA1_1 - BA1. Bank product uptake - ATM card / Debit card
• BA1_2 - BA1. Bank product uptake - Cash card or Prepaid card
• BA1_3 - BA1. Bank product uptake - Credit card
• BA1_4 - BA1. Bank product uptake - Current account
• BA1_5 - BA1. Bank product uptake - Fixed deposit account
• BA1_6 - BA1. Bank product uptake - Savings account
• BA1_7 - BA1. Bank product uptake - Mortgage
• BA1_8 - BA1. Bank product uptake - Overdraft
• BA1_9 - BA1. Bank product uptake - Non-Interest banking services
• BA1_10 - BA1. Bank product uptake - Loans
• BA1_11 - BA1. Bank product uptake - Domiciliary account
• BA1_12 - BA1. Bank product uptake - Mobile money (e-wallet)
• BA1_13 - BA1. Bank product uptake - Bank USSD codes (e.g. *120*…)
• BA1_14 - BA1. Bank product uptake - Internet banking
• BA2 - BA2. How often do you use banks?
• BA3 - BA3. Which of these do you use most frequently when you do bank transactions?
• BA4_1 - BA4. Reasons don’t have bank account - Interest earned on deposits is low
• BA4_2 - BA4. Reasons don’t have bank account - Interest on loans too high
• BA4_3 - BA4. Reasons don’t have bank account - It is expensive to have a bank account
• BA4_4 - BA4. Reasons don’t have bank account - Have to keep a minimum balance in the ban
• BA4_5 - BA4. Reasons don’t have bank account - Too much documentation involved/required
• BA4_6 - BA4. Reasons don’t have bank account - Charges and fees are too high (e.g. accou
• BA4_7 - BA4. Reasons don’t have bank account - It costs too much to reach a bank
• BA4_8 - BA4. Reasons don’t have bank account - Banks are too far from where l live/work
• BA4_9 - BA4. Reasons don’t have bank account - Lack of trust
• BA4_10 - BA4. Reasons don’t have bank account - Too much corruption (e.g. bribes)
• BA4_11 - BA4. Reasons don’t have bank account - No job
• BA4_12 - BA4. Reasons don’t have bank account - Income not regular
• BA4_13 - BA4. Reasons don’t have bank account - No identity document
• BA4_14 - BA4. Reasons don’t have bank account - Prefer cash
• BA4_15 - BA4. Reasons don’t have bank account - Can’t read or write
• BA4_16 - BA4. Reasons don’t have bank account - No reason
• BA4_98 - BA4. Reasons don’t have bank account - Other, specify
• BA4_96 - BA4. Reasons don’t have bank account - Don’t know
• BA5_1 - BA5. Bank agent awareness - A representative of the bank
• BA5_2 - BA5. Bank agent awareness - Bank marketer
• BA5_3 - BA5. Bank agent awareness - Middle man between you and the bank
• BA5_4 - BA5. Bank agent awareness - Conducts transactions on behalf of a bank
• BA5_98 - BA5. Bank agent awareness - Other, specify
• BA5_96 - BA5. Bank agent awareness - Don’t know
• BA5_98_Oth - BA5. Bank agent awareness - Other, specify
• BA6 - BA6. Have you used a bank agent in the past 12 months?
• BA7_1 - BA7. Reasons for using bank agent - They are closer than the bank
• BA7_2 - BA7. Reasons for using bank agent - Less queues/quicker service
• BA7_3 - BA7. Reasons for using bank agent - Costs less : Why do/did you use a bank agent
• BA7_4 - BA7. Reasons for using bank agent - They provide a better service than the banks
• BA7_5 - BA7. Reasons for using bank agent - Know him/her
• BA7_98 - BA7. Reasons for using bank agent - Other, specify
• BA8_1 - BA8. Why do/did you use a bank agent - To open a bank account
• BA8_2 - BA8. Why do/did you use a bank agent - Money transfers
• BA8_3 - BA8. Why do/did you use a bank agent - Deposit money
• BA8_4 - BA8. Why do/did you use a bank agent - Withdraw money
• BA8_5 - BA8. Why do/did you use a bank agent - Customer service
• BA8_98 - BA8. Why do/did you use a bank agent - Other, specify
• MF1_1 - MF1. Microfinance bank services used - Savings services
• MF1_2 - MF1. Microfinance bank services used - Credit services (loans)
• MF1_3 - MF1. Microfinance bank services used - ATM card
• MF1_4 - MF1. Microfinance bank services used - Transferring money to others
• MF1_5 - MF1. Microfinance bank services used - Receiving money from others
• MF1_6 - MF1. Microfinance bank services used - Paying bills
• MF1_7 - MF1. Microfinance bank services used - Receiving salaries/wages
• MF1_8 - MF1. Microfinance bank services used - Paying salaries and wages
• MF1_9 - MF1. Microfinance bank services used - Cashing cheques
• MF1_10 - MF1. Microfinance bank services used - Non-interest banking services
• MF1_98 - MF1. Microfinance bank services used - Other, specify
• MF1_96 - MF1. Microfinance bank services used - Don’t know/can’t remember
• MF2 - MF2. Thinking about the loan(s) that you have, is this …?
• MF3 - MF3. How often do you use microfinance banks?
• NB1_1 - NB1. Non-Interest banking services used - Saving/investment services
• NB1_2 - NB1. Non-Interest banking services used - Credit services (loans)
• NB1_3 - NB1. Non-Interest banking services used - Insurance (Takaful)
• NB1_4 - NB1. Non-Interest banking services used - Partnership (Musharika)
• NB1_5 - NB1. Non-Interest banking services used - Trading
• NB1_6 - NB1. Non-Interest banking services used - Leasing (Ijara)
• NB1_98 - NB1. Non-Interest banking services used - Other, specify
• NB1_96 - NB1. Non-Interest banking services used - Don’t know/can’t remember
• NB2 - NB2. How often do you use non-interest services? Would you say it is ….?
• PMB1_1 - PBM1. Primary mortgage bank services used - Saving/investment services
• PMB1_2 - PBM1. Primary mortgage bank services used - Credit services (loans)
• PMB1_98 - PBM1. Primary mortgage bank services used - Other, specify
• PMB1_96 - PBM1. Primary mortgage bank - Don’t know/can’t remember
• PY1a_1 - PY1a. Method used to pay for goods and/or services in the past 12 months - Cash
• PY1a_2 - PY1a. Method used to pay for goods and/or services in the past 12 months - Chequ
• PY1a_3 - PY1a. Method used to pay for goods and/or services in the past 12 months - Cash
• PY1a_4 - PY1a. Method used to pay for goods and/or services in the past 12 months - ATM c
• PY1a_5 - PY1a. Method used to pay for goods and/or services in the past 12 months - Credi
• PY1a_6 - PY1a. Method used to pay for goods and/or services in the past 12 months - Bank
• PY1a_7 - PY1a. Method used to pay for goods and/or services in the past 12 months - Bank
• PY1a_8 - PY1a. Method used to pay for goods and/or services in the past 12 months - ATM
• PY1a_9 - PY1a. Method used to pay for goods and/or services in the past 12 months - Agent
• PY1a_10 - PY1a. Method used to pay for goods and/or services in the past 12 months - Bank
• PY1a_11 - PY1a. Method used to pay for goods and/or services in the past 12 months - Mobil
• PY1b_1 - PY1b. Frequency of using this method - Cash
• PY1b_2 - PY1b. Frequency of using this method - Cheque
• PY1b_3 - PY1b. Frequency of using this method - Cash card/prepaid card
• PY1b_4 - PY1b. Frequency of using this method - ATM card/Debit card
• PY1b_5 - PY1b. Frequency of using this method - Credit card
• PY1b_6 - PY1b. Frequency of using this method - Bank transfer (internet or online using a
• PY1b_7 - PY1b. Frequency of using this method - Bank USSD code (*120*)
• PY1b_8 - PY1b. Frequency of using this method - ATM
• PY1b_9 - PY1b. Frequency of using this method - Agent (Bank / mobile money agent)
• PY1b_10 - PY1b. Frequency of using this method - Bank branch
• PY1b_11 - PY1b. Frequency of using this method - Mobile money
• PY2a - PY2a. Paid utility bills such as water, electricity/PHCN, goTV, DSTV, etc. in th
• PY2b_1 - PY2b. Method used to pay for utility bills - Cash
• PY2b_2 - PY2b. Method used to pay for utility bills - Cheque
• PY2b_3 - PY2b. Method used to pay for utility bills - Cash card/prepaid card
• PY2b_4 - PY2b. Method used to pay for utility bills - ATM card/Debit card
• PY2b_5 - PY2b. Method used to pay for utility bills - Credit card
• PY2b_6 - PY2b. Method used to pay for utility bills - Bank transfer (internet or online u
• PY2b_7 - PY2b. Method used to pay for utility bills - Bank USSD code (*120*)
• PY2b_8 - PY2b. Method used to pay for utility bills - ATM
• PY2b_9 - PY2b. Method used to pay for utility bills - Agent (Bank / mobile money agent)
• PY2b_10 - PY2b. Method used to pay for utility bills - Bank branch
• PY2b_11 - PY2b. Method used to pay for utility bills - Mobile money
• TE1 - TE1. Number of mobile phones in this household
• TE2 - TE1. Do you own a mobile phone?
• TE3 - TE3. Have access to mobile phone
• MM1a - MM1a. Mobile money awareness
• MM1b_1 - MM1b. Heard about mobile money from - Television
• MM1b_2 - MM1b. Heard about mobile money from - Radio
• MM1b_3 - MM1b. Heard about mobile money from - Bank
• MM1b_4 - MM1b. Heard about mobile money from - Newspaper
• MM1b_5 - MM1b. Heard about mobile money from - SMS
• MM1b_6 - MM1b. Heard about mobile money from -
• MM1b_7 - MM1b. Heard about mobile money from - Mobile money agent
• MM1b_8 - MM1b. Heard about mobile money from - Mobile money operator
• MM1b_9 - MM1b. Heard about mobile money from - Billboards
• MM1b_10 - MM1b. Heard about mobile money from - Internet
• MM1b_11 - MM1b. Heard about mobile money from - Road shows
• MM1b_12 - MM1b. Heard about mobile money from - Brochures/pamphlets/flyers
• MM1b_98 - MM1b. Heard about mobile money from - Other, specify
• MM1c_1 - MM1c. Mobile money operator aware of - Access Bank (Access mobile)
• MM1c_2 - MM1c. Mobile money operator aware of - Cellulant Nigeria (Cellulant)
• MM1c_3 - MM1c. Mobile money operator aware of - Chams Mobile
• MM1c_4 - MM1c. Mobile money operator aware of - Contec Global
• MM1c_5 - MM1c. Mobile money operator aware of - Eartholeum Networks (QikQik)
• MM1c_6 - MM1c. Mobile money operator aware of - Ecobank (Ecobank Mobile Money)
• MM1c_7 - MM1c. Mobile money operator aware of - ETranzact (Pocket moni)
• MM1c_8 - MM1c. Mobile money operator aware of - FETS Solution (Mywallet)
• MM1c_9 - MM1c. Mobile money operator aware of - Fidelity Bank (Quick-Pay)
• MM1c_10 - MM1c. Mobile money operator aware of - First City Monument Bank (FCMB)
• MM1c_11 - MM1c. Mobile money operator aware of - Fortis Microfinance bank (Fortis Mobile M
• MM1c_12 - MM1c. Mobile money operator aware of - GT Bank (GT Mobile Money)
• MM1c_13 - MM1c. Mobile money operator aware of - Hedonmark Management Services (Click n Pa
• MM1c_14 - MM1c. Mobile money operator aware of - MKudi (Mimo)
• MM1c_15 - MM1c. Mobile money operator aware of - Pagatech (Paga)
• MM1c_16 - MM1c. Mobile money operator aware of - Parkway Projects (ReadyCash)
• MM1c_17 - MM1c. Mobile money operator aware of - Pay Com
• MM1c_18 - MM1c. Mobile money operator aware of - First Bank (FirstMonie)
• MM1c_19 - MM1c. Mobile money operator aware of - Stanbic IBTC (Stanbic *909# Mobile Money)
• MM1c_20 - MM1c. Mobile money operator aware of - Sterling Bank
• MM1c_21 - MM1c. Mobile money operator aware of - Teasy International (Teasy Mobile Money)
• MM1c_22 - MM1c. Mobile money operator aware of - Virtual Terminal Network (Vcash)
• MM1c_23 - MM1c. Mobile money operator aware of - Visual ICT
• MM1c_24 - MM1c. Mobile money operator aware of - Zenith Bank (Eazymoney)
• MM1c_25 - MM1c. Mobile money operator aware of - Zinternet
• MM1c_98 - MM1c. Mobile money operator aware of - Other, specify
• MM1c_96 - MM1c. Mobile money operator aware of - Don’t know
• MM1c_97 - MM1c. Mobile money operator aware of - Can’t remember
• MM1d - MM1d. Which of the following statements best describes your experience with mobi
• MM2a - MM2a. How did you register for mobile money?
• MM2b - MM2b. How many mobile money accounts do you currently have?
• MM3a - MM3a. How often do/did you use your mobile money account? Would you say it is/wa
• MM3b - MM3b. Which mobile money service do you use most often?
• MM4_1 - MM4. Motivation to start using mobile money - To store/save money
• MM4_2 - MM4. Motivation to start using mobile money - Family/friends are using mobile mo
• MM4_3 - MM4. Motivation to start using mobile money - To conduct fast transactions
• MM4_4 - MM4. Motivation to start using mobile money - It is convenient
• MM4_5 - MM4. Motivation to start using mobile money - Just to try or test mobile money
• MM4_6 - MM4. Motivation to start using mobile money - To conduct safe transactions
• MM4_7 - MM4. Motivation to start using mobile money - To pay bills
• MM4_98 - MM4. Motivation to start using mobile money - Other, specify
• MM5a - MM5a. In the past 12 months, did you borrow money through your mobile money oper
• MM5b - MM5b. How often do/did you borrow through your mobile money operator? Would you
• MM5c - MM5c. The last time you borrowed through your mobile money operator, how much di
• MM6 - MM6. Have you ever used a mobile money agent?
• MM7a_1 - MM7a. What did/do you use mobile money agents for - Registration
• MM7a_2 - MM7a. What did/do you use mobile money agents for - Cash-in/deposits
• MM7a_3 - MM7a. What did/do you use mobile money agents for - Cash-out/withdrawals
• MM7a_4 - MM7a. What did/do you use mobile money agents for - Paying bills
• MM7a_5 - MM7a. What did/do you use mobile money agents for - Buying airtime
• MM7a_6 - MM7a. What did/do you use mobile money agents for - Sending money
• MM7a_7 - MM7a. What did/do you use mobile money agents for - Receiving money
• MM7a_8 - MM7a. What did/do you use mobile money agents for - Buying insurance
• MM7a_98 - MM7a. What did/do you use mobile money agents for - Other, specify
• MM7b_1 - MM7b. Cash deposit at an agent - Deposits into your e-wallet
• MM7b_2 - MM7b. Cash deposit at an agent - Deposits into your bank account
• MM7b_3 - MM7b. Cash deposit at an agent - Deposits into somebody else’s e-wallet
• MM7b_4 - MM7b. Cash deposit at an agent - Deposits into somebody else’s bank account
• MM8_1 - MM8. Places to report mobile money services or agent problems - Mobile operator
• MM8_2 - MM8. Places to report mobile money services or agent problems - CBN (Central Ban
• MM8_3 - MM8. Places to report mobile money services or agent problems - Commercial Bank
• MM8_4 - MM8. Places to report mobile money services or agent problems - Family/friends
• MM8_96 - MM8. Places to report mobile money services or agent problems - Don’t know
• MM8_98 - MM8. Places to report mobile money services or agent problems - Other, specify
• MM9_1 - MM9. Reasons for not using mobile money - Don’t know much what mobile money is
• MM9_2 - MM9. Reasons for not using mobile money - Don’t know where/how to get mobile mon
• MM9_3 - MM9. Reasons for not using mobile money - It is expensive
• MM9_4 - MM9. Reasons for not using mobile money - I do not trust it
• MM9_5 - MM9. Reasons for not using mobile money - I use other ways to do the same transa
• MM9_6 - MM9. Reasons for not using mobile money - Services I need are not available on m
• MM9_7 - MM9. Reasons for not using mobile money - It is not easy to use
• MM9_8 - MM9. Reasons for not using mobile money - No reason
• MM9_98 - MM9. Reasons for not using mobile money - Other, specify
• MM10 - MM10. Would you be interested in mobile money account?
• MM11_1 - MM11. Motivation to use mobile money - When I understand how mobile money works
• MM11_2 - MM11. Motivation to use mobile money - When there is an agent close to me
• MM11_3 - MM11. Motivation to use mobile money - When there is an agent close to my recipi
• MM11_4 - MM11. Motivation to use mobile money - When I feel it is safe to send/receive mo
• MM11_5 - MM11. Motivation to use mobile money - When many people are using mobile money
• MM11_98 - MM11. Motivation to use mobile money - Other, specify
• MM11_98_Oth - MM11. Motivation to use mobile money - Other, specify
• MM11_0 - MM11. Motivation to use mobile money - Other, specify
• MT1_1 - MT1. You received money from friends or family members within Nigeria
• MT1_2 - MT1. You sent money to friends or family members within Nigeria
• MT1_3 - MT1. You received money from friends or family members outside Nigeria
• MT1_4 - MT1. You sent money to friends or family members outside Nigeria
• MT1_5 - MT1. Did not send or receive money from friends or relatives
• MT2a_1 - MT2a. Method of receiving money - Family/friend
• MT2a_2 - MT2a. Method of receiving money - Runner (e.g. taxi/bus/boat)
• MT2a_3 - MT2a. Method of receiving money - Bank transfer (via Internet, telephone, accoun
• MT2a_4 - MT2a. Method of receiving money - Cheque
• MT2a_5 - MT2a. Method of receiving money - Cash card/Prepaid card
• MT2a_6 - MT2a. Method of receiving money - Mobile money
• MT2a_7 - MT2a. Method of receiving money - Agent (either mobile money, bank or Bureaux de
• MT2a_8 - MT2a. Method of receiving money - Got airtime on your phone that you sold for ca
• MT2a_98 - MT2a. Method of receiving money - Other, specify
• MT2b - MT2b. Which of these methods did you use most often?
• MT2c - MT2c. Why did you mostly receive money this way?
• MT3 - MT3. How many times have you received money from within Nigeria in the past six
• MT4 - MT4. Thinking back to the last time you received money through …. (refer to MT2b
• MT5 - MT5. For what reason have you mainly received money?
• MT6 - MT6. Thinking back to the last time you received money, which state within Niger
• MT7a_1 - MT7a. Method of sending money - Family/friend
• MT7a_2 - MT7a. Method of sending money - Runner (e.g. taxi/bus/boat)
• MT7a_3 - MT7a. Method of sending money - Bank transfer/direct deposit into bank account
• MT7a_4 - MT7a. Method of sending money - Cheque
• MT7a_5 - MT7a. Method of sending money - Cash card/Prepaid card
• MT7a_6 - MT7a. Method of sending money - Mobile money
• MT7a_7 - MT7a. Method of sending money - Agent (either mobile money, bank or Bureaux de C
• MT7a_8 - MT7a. Method of sending money - Airtime on your phone that the recipient sold fo
• MT7a_98 - MT7a. Method of sending money - Other, specify
• MT7b - MT7b. Which of these methods did you use most often?
• MT7c - MT7c. Why did you mostly send money this way
• MT8 - MT8. How many times have you sent money within Nigeria in the past six months?
• MT9 - MT9. And thinking back to the last time you sent money through …. (refer to MT7b
• MT10 - MT10. For what reason have you mainly sent money?
• MT11 - MT11. Thinking back to the last time you sent money, which state within Nigeria
• MT12a_1 - MT12. How have you received money from outside Nigeria in the past six months? -
• MT12a_2 - MT12. How have you received money from outside Nigeria in the past six months? -
• MT12a_3 - MT12. How have you received money from outside Nigeria in the past six months? -
• MT12a_4 - MT12. How have you received money from outside Nigeria in the past six months? -
• MT12a_5 - MT12. How have you received money from outside Nigeria in the past six months? -
• MT12a_6 - MT12. How have you received money from outside Nigeria in the past six months? -
• MT12a_7 - MT12. How have you received money from outside Nigeria in the past six months? -
• MT12a_8 - MT12. How have you received money from outside Nigeria in the past six months? -
• MT12a_9 - MT12. How have you received money from outside Nigeria in the past six months? -
• MT12a_98 - MT12a. How have you received money from outside Nigeria in the past six months?
• MT12b - MT12b. Which of these methods did you use most often?
• MT12c - MT12c. Why did you mostly receive money in this way (refer to MT12b)?
• MT13 - MT13. How many times have you received money in the past six months, from outsid
• MT14 - MT14. Thinking back to the last time you received money though … (refer to MT12b
• MT14_1 - MT14. Thinking back to the last time you received money from outside Nigeria, ho
• MT14_2 - MT14. Thinking back to the last time you received money from outside Nigeria, ho
• MT14_3 - MT14. Thinking back to the last time you received money from outside Nigeria, ho
• MT14_4 - MT14. Thinking back to the last time you received money from outside Nigeria, ho
• MT14_5 - MT14. Thinking back to the last time you received money from outside Nigeria, ho
• MT15 - For what reason have you mainly received money from outside Nigeria?
• MT16 - Thinking back to the last time you received money, which country did you receive
• MT16_98_Oth - Other, specify_Thinking back to the last time you received money, which country
• MT17a_1 - MT17a. How have you sent money outside Nigeria in the past six months? - Family/
• MT17a_2 - MT17a. How have you sent money outside Nigeria in the past six months? - Runner
• MT17a_3 - MT17a. How have you sent money outside Nigeria in the past six months? - Bank tr
• MT17a_4 - MT17a. How have you sent money outside Nigeria in the past six months? - Recharg
• MT17a_5 - MT17a. How have you sent money outside Nigeria in the past six months? - Cheque
• MT17a_6 - MT17a. How have you sent money outside Nigeria in the past six months? - Cash ca
• MT17a_7 - MT17a. How have you sent money outside Nigeria in the past six months? - MoneyGr
• MT17a_8 - MT17a. How have you sent money outside Nigeria in the past six months? - Western
• MT17a_9 - MT17a. How have you sent money outside Nigeria in the past six months? - An agen
• MT17a_98 - MT17a. How have you sent money outside Nigeria in the past six months? - Other,
• MT17b - MT17b. Which of these methods did you use most often?
• MT17c - MT17b. Why did you mostly send money this way (refer to MT17b)?
• MT18 - MT17c. How many times have you sent money outside Nigeria in the past six months
• MT19 - MT19. Thinking back to the last time you sent money outside Nigeria, how much di
• MT19_1 - MT19. Thinking back to the last time you received money from outside Nigeria, ho
• MT19_2 - MT19. Thinking back to the last time you received money from outside Nigeria, ho
• MT19_3 - MT19. Thinking back to the last time you received money from outside Nigeria, ho
• MT19_4 - MT19. Thinking back to the last time you received money from outside Nigeria, ho
• MT19_5 - MT19. Thinking back to the last time you received money from outside Nigeria, ho
• MT20 - MT20. For what reason did you mainly send money outside Nigeria?
• MT21 - MT21. Thinking back to the last time you sent money outside Nigeria, which count
• SA1 - SA1. In the past 12 months, did you save/put money aside?
• SA2 - SA1. What did you mainly save/put money aside for?
• SA3a_1 - SA3a. With whom or how do/did you save? – commercial bank
• SA3a_2 - SA3a. With whom or how do/did you save? – microfinance bank
• SA3a_3 - SA3a. With whom or how do/did you save? – non-interest savings
• SA3a_4 - SA3a. With whom or how do/did you save? – With a mortgage bank such as FMBN
• SA3a_5 - SA3a. With whom or how do/did you save? – On your mobile phone (in an e-wallet)
• SA3a_6 - SA3a. With whom or how do/did you save? – With a microfinance institution
• SA3a_7 - SA3a. With whom or how do/did you save? – With a group such as a co-operative
• SA3a_8 - SA3a. With whom or how do/did you save? – With a group such as savings group (e.
• SA3a_9 - SA3a. With whom or how do/did you save? – With a group such as village/community
• SA3a_10 - SA3a. With whom or how do/did you save? – With savings/thrift collector/merchant
• SA3a_11 - SA3a. With whom or how do/did you save? – Give money to family/friends or househ
• SA3a_12 - SA3a. With whom or how do/did you save? – Save in a safe place at home or carry
• SA3b - SA3b. Which of these ways of saving suits you best?
• SA3c - SA3c. What is the main reason why you save in this way (refer to SA3b)?
• SA4 - SA4. How often do you mostly save (refer to SA3b)? Would you say you save …..?
• SA5 - SA5. The last time you saved (refer to SA3b), how much did you save?
• SA6_1 - SA6. Why don’t you save? - Nothing to save/No money after I covered my expenses
• SA6_2 - SA6. Why don’t you save? - I am unemployed
• SA6_3 - SA6. Why don’t you save? - I do not know where to save
• SA6_4 - SA6. Why don’t you save? - Do not trust banks or other formal financial institut
• SA6_5 - SA6. Why don’t you save? - Do not trust informal societies/savings clubs/coopera
• SA6_6 - SA6. Why don’t you save? - I do not know of any benefits of saving
• SA6_7 - SA6. Why don’t you save? - Do not believe in saving
• SA6_98 - SA6. Why don’t you save? - Other, specify
• SA7a_1 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_2 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_3 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_4 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_5 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_6 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_7 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_8 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_9 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_10 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_11 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_12 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7a_98 - SA7a. How will you ensure that you have money to meet your needs when you are ol
• SA7b_1 - SA7b. Do you have any of the following types of savings? - Property (a building/
• SA7b_2 - SA7b. Do you have any of the following types of savings? - Land
• SA7b_3 - SA7b. Do you have any of the following types of savings? - Farming/agriculture/l
• SA7b_4 - SA7b. Do you have any of the following types of savings? - Mutual funds
• SA7b_5 - SA7b. Do you have any of the following types of savings? - Government bonds
• SA7b_6 - SA7b. Do you have any of the following types of savings? - Shares/Stocks
• SA7b_7 - SA7b. Do you have any of the following types of savings? - Assets such as jewell
• SA7b_8 - SA7b. Do you have any of the following types of savings? - Fixed deposits
• SA8a_1 - SA8a. Do you have any of the following types of savings? - Do you have a pension
• SA8a_2 - SA8a. Do you have any of the following types of savings? - Do you have a pension
• SA8b_1 - SA8b. Which of the following do you have/receive? - Pension that only you contri
• SA8b_2 - SA8b. Which of the following do you have/receive? - Pension that both you and yo
• SA8b_3 - SA8b. Which of the following do you have/receive? - Pension that only your emplo
• SA8b_96 - SA8b. Which of the following do you have/receive? - Not sure – do not know
• SA8c_1 - SAbc. Through which of the following organizations do you get your pension compl
• SA8c_2 - SAbc. Through which of the following organizations do you get your pension compl
• SA8c_3 - SAbc. Through which of the following organizations do you get your pension compl
• SA8c_4 - SAbc. Through which of the following organizations do you get your pension compl
• SA8c_98 - SAbc. Through which of the following organizations do you get your pension compl
• SA9 - SA9. Are you making regular contributions to ensure that you have money to meet
• SA10a - SA10a. You said you are making regular contribution, how often do you contribute
• SA10b - SA10b. How often would you like to contribute?
• Sab11a_1 - SA111a. Why are you not willing to make regular contributions? - Don’t have a re
• Sab11a_2 - SA111a. Why are you not willing to make regular contributions? - Don’t have a jo
• Sab11a_3 - SA111a. Why are you not willing to make regular contributions? - Do not have eno
• Sab11a_4 - SA111a. Why are you not willing to make regular contributions? - Don’t believe i
• Sab11a_98 - SA111a. Why are you not willing to make regular contributions? - Other, specify
• Sab11a_98_Oth - SA111a. Why are you not willing to make regular contributions? - Other, specify
• SAB110 - SA111a. Why are you not willing to make regular contributions? - Other, specify
• SA11b_1 - SA11b. Based on the negative experience of others
• SA11b_2 - SA11b. Why don’t you believe in it? - I believe my money is safer with me
• SA11b_3 - SA11b. I would like to have access to my money anytime and not just after retire
• SA11b_4 - SA11b. I am not convinced I will get paid adequately after retirement
• SA11b_98 - SA11b. Other, Specify
• LC1_1 - LC1. Borrowed money in the past 12 months
• LC1_2 - LC1. Been paying back money that you borrowed before June 2017
• LC1_3 - LC1. Gotten goods/services in advance and paid for it later/paid for it in insta
• LC1_4 - LC1. Gotten goods that you paid for in installments and that you returned/will r
• LC2a_1 - LC2a. Who did you borrow from – Commercial bank
• LC2a_2 - LC2a. Who did you borrow from – Microfinance bank
• LC2a_3 - LC2a. Who did you borrow from – Non-interest loan
• LC2a_4 - LC2a. Who did you borrow from – Mortgage bank like FMBN
• LC2a_5 - LC2a. Who did you borrow from - Government
• LC2a_6 - LC2a. Who did you borrow from - Mobile money operator
• LC2a_7 - LC2a. Who did you borrow from - Employer
• LC2a_8 - LC2a. Who did you borrow from - Microfinance institution
• LC2a_9 - LC2a. Who did you borrow from - Co-operative
• LC2a_10 - LC2a. Who did you borrow from - Savings group that you save with or borrow from
• LC2a_11 - LC2a. Who did you borrow from - Village/community association
• LC2a_12 - LC2a. Who did you borrow from - Savings/thrift collector
• LC2a_13 - LC2a. Who did yoyu borrow from - Moneylender
• LC2a_14 - LC2a. Who did you borrow from - Family/friend/household member
• LC2a_98 - LC2a. Who did you borrow from - Other, specify
• LC2b - LC2b. Who did you borrow the most money from?
• LC2c - LC2c. What is the main reason why you borrowed from … (refer to response in LC2b
• LC2d - LC2d. What did you mainly borrow this money for … (refer to response in LC2b)?
• LC2e - LC2e. How much did you borrow … (refer to response in LC2b)?
• LC3 - LC3. Thinking about the money you had to pay back in the past 12 months, have yo
• LC4 - LC4. What is the main reason why you did not borrow money?
• LC5a - LC5. In the last 12 months, have you borrowed airtime from your network mobile p
• LC5b - LC5. How often do/did you borrow airtime? Would you say it is/was …..?
• LC5c - LC5. The last time you borrowed airtime, how much did you borrow?
• RM1a_1 - RM1a. Expensive events in P12M - Member of household lost job/income
• RM1a_2 - RM1a. Expensive events in P12M - Serious illness of a household member
• RM1a_3 - RM1a. Expensive events in P12M - Death of a relative/household member
• RM1a_4 - RM1a. Expensive events in P12M - Had to assist family/friends with gifts/money
• RM1a_5 - RM1a. Expensive events in P12M - Theft of household property
• RM1a_6 - RM1a. Expensive events in P12M - Theft of business stock/goods
• RM1a_7 - RM1a. Expensive events in P12M - Theft of agricultural crop/livestock
• RM1a_8 - RM1a. Expensive events in P12M - Loss of household goods due to fire/flood/storm
• RM1a_9 - RM1a. Expensive events in P12M - Agricultural crop/livestock destroyed by fire/
• RM1a_10 - RM1a. Expensive events in P12M - Failure of business
• RM1a_11 - RM1a. Expensive events in P12M - Separation/divorce
• RM1a_12 - RM1a. Expensive events in P12M - Disability due to accident/illness
• RM1a_13 - RM1a. Expensive events in P12M - Maintenance of farming/business equipment/tools
• RM1a_14 - RM1a. Expensive events in P12M - Recession/bad economy
• RM1a_15 - RM1a. Expensive events in P12M - Price increases
• RM1a_98 - RM1a. Expensive events in P12M - Other, specify
• RM1a_16 - RM1a. Expensive events in P12M - Have not experienced such events
• RM1b - RM1b. Which one of those you mentioned had the greatest impact on your household
• RM1c_1 - RM1c. Financial Coping Method - Sold assets to get money
• RM1c_2 - RM1c. Financial Coping Method - Sold livestock to get money
• RM1c_3 - RM1c. Financial Coping Method - Cut down on expenses
• RM1c_4 - RM1c. Financial Coping Method - Waited/asked for donations
• RM1c_5 - RM1c. Financial Coping Method - Borrowed money from friend/family
• RM1c_6 - RM1c. Financial Coping Method - Borrowed money from employer
• RM1c_7 - RM1c. Financial Coping Method - Borrowed money from bank
• RM1c_8 - RM1c. Financial Coping Method - Borrowed money from other sources
• RM1c_9 - RM1c. Financial Coping Method - Used own savings
• RM1c_10 - RM1c. Financial Coping Method - Used insurance policy
• RM1c_11 - RM1c. Financial Coping Method - Did nothing
• RM1c_12 - RM1c. Financial Coping Method - Comparing prices to get best deal
• RM1c_13 - RM1c. Financial Coping Method - Brand switching
• RM1c_14 - RM1c. Financial Coping Method - Cancelled other policies
• RM1c_98 - RM1c. Financial Coping Method - Other (specify)
• RM1c_96 - RM1c. Financial Coping Method - Don’t know
• RM2a - RM2a. Micro-insurance - Have you ever heard of micro-insurance?
• RM2b - RM2a. Micro-insurance - Do you have micro-insurance?
• RM2c_1 - RM2c. Micro-insurance products usage - Agriculture – crops
• RM2c_2 - RM2c. Micro-insurance products usage - Agriculture – livestock
• RM2c_3 - RM2c. Micro-insurance products usage - Life
• RM2c_4 - RM2c. Micro-insurance products usage - Health
• RM2c_5 - RM2c. Micro-insurance products usage - Accident
• RM2c_6 - RM2c. Micro-insurance products usage - Disability
• RM2c_7 - RM2c. Micro-insurance products usage - Business/goods/stock
• RM2c_98 - RM2c. Micro-insurance products usage - Other, specify
• RM2d_1 - RM2d. How did you get micro-insurance? - Someone else in your household/family
• RM2d_2 - RM2d. How did you get micro-insurance? - Insurance company
• RM2d_3 - RM2d. How did you get micro-insurance? - Bank
• RM2d_4 - RM2d. How did you get micro-insurance? - Agent
• RM2d_5 - RM2d. How did you get micro-insurance? - Broker
• RM2d_6 - RM2d. How did you get micro-insurance? - Through your phone
• RM2d_7 - RM2d. How did you get micro-insurance? - Internet
• RM2d_8 - RM2d. How did you get micro-insurance? - Employer
• RM2d_98 - RM2d. How did you get micro-insurance? - Other, specify
• RM2d_96 - RM2d. How did you get micro-insurance? - Don’t know/cannot remember
• RM3 - RM3. Would you be interested in micro insurance?
• RM4_1 - RM4. What type of micro insurance would you consider? - Agriculture – crops
• RM4_2 - RM4. What type of micro insurance would you consider? - Agriculture – livestock
• RM4_3 - RM4. What type of micro insurance would you consider? - Agriculture – fisheries
• RM4_4 - RM4. What type of micro insurance would you consider? - Life
• RM4_5 - RM4. What type of micro insurance would you consider? - Credit/loans
• RM4_6 - RM4. What type of micro insurance would you consider? - Health
• RM4_7 - RM4. What type of micro insurance would you consider? - Household
• RM4_8 - RM4. What type of micro insurance would you consider? - Accident
• RM4_9 - RM4. What type of micro insurance would you consider? - Disability
• RM4_10 - RM4. What type of micro insurance would you consider? - Business/goods/stock
• RM4_98 - RM4. What type of micro insurance would you consider? - Other, specify
• RM5 - RM5. Are you covered by any insurance other than micro insurance?
• RM6_1 - RM6. Type of insurance do you currently have - Car/Vehicle/Motorbikes
• RM6_2 - RM6. Type of insurance do you currently have - Household contents insurance
• RM6_3 - RM6. Type of insurance do you currently have - Building
• RM6_4 - RM6. Type of insurance do you currently have - Group accident provided by employ
• RM6_5 - RM6. Type of insurance do you currently have - Health/Medical/Critical illness
• RM6_6 - RM6. Type of insurance do you currently have - Travel
• RM6_7 - RM6. Type of insurance do you currently have - Credit life/Loan protection
• RM6_8 - RM6. Type of insurance do you currently have - Life assurance
• RM6_9 - RM6. Type of insurance do you currently have - Group Life Assurance Scheme throu
• RM6_10 - RM6. Type of insurance do you currently have - Personal accident disability insu
• RM6_11 - RM6. Type of insurance do you currently have - Endowment/Investment saving plan
• RM6_12 - RM6. Type of insurance do you currently have - Education plan for children
• RM6_13 - RM6. Type of insurance do you currently have - Mortgage protection
• RM6_14 - RM6. Type of insurance do you currently have - Annuities
• RM6_15 - RM6. Type of insurance do you currently have - Livestock
• RM6_98 - RM6. Type of insurance do you currently have - Other, specify
• RM7_1 - RM7. How did you get insurance? - Someone in your household/family
• RM7_2 - RM7. How did you get insurance? - Insurance company
• RM7_3 - RM7. How did you get insurance? - Bank
• RM7_4 - RM7. How did you get insurance? - Agent
• RM7_5 - RM7. How did you get insurance? - Broker
• RM7_6 - RM7. How did you get insurance? - Through your phone
• RM7_7 - RM7. How did you get insurance? - Internet
• RM7_8 - RM7. How did you get insurance? - Employer
• RM7_98 - RM7. How did you get insurance? - Other, specify
• RM7_96 - RM7. How did you get insurance? - Don’t know/cannot remember
• RM8a - RM8a. How many insurance policies you have?
• RM8b - RM8b. How many micro-insurance policies you have?
• RM9_1 - RM9. Why do you not have insurance? - I do not believe in insurance
• RM9_2 - RM9. Why do you not have insurance? - I do not know the benefits of having one
• RM9_3 - RM9. Why do you not have insurance? - I do not know where to go and get one from
• RM9_4 - RM9. Why do you not have insurance? - They are cheats, they do not settle claims
• RM9_5 - RM9. Why do you not have insurance? - Cannot afford to pay for insurance
• RM9_6 - RM9. Why do you not have insurance? - Religious reasons/God will take care of it
• RM9_7 - RM9. Why do you not have insurance? - Haven’t thought about it yet
• RM9_8 - RM9. Why do you not have insurance? - I have nothing to insure
• RM9_96 - RM9. Why do you not have insurance? - No reason
• RM9_98 - RM9. Why do you not have insurance? - Other, specify
• INF1_1_1 - INF1.1. Services offered by Co-operative - Saving
• INF1_1_2 - INF1.1. Services offered by Co-operative - Credit (loans)
• INF1_1_3 - INF1.1. Services offered by Co-operative - Investment
• INF1_1_4 - INF1.1. Services offered by Co-operative - Buy stocks/shares
• INF1_1_5 - INF1.1. Services offered by Co-operative - Social fund
• INF1_1_98 - INF1.1. Services offered by Co-operative - Other, specify
• INF1_1_96 - INF1.1. Services offered by Co-operative - Don’t know/can’t remember
• INF2_1_1 - INF2.1. Which of these services offered by Co-operative do you use - Saving
• INF2_1_2 - INF2.1. Which of these services offered by Co-operative do you use - Credit (loa
• INF2_1_3 - INF2.1. Which of these services offered by Co-operative do you use - Investment
• INF2_1_4 - INF2.1. Which of these services offered by Co-operative do you use - Buy stocks/
• INF2_1_5 - INF2.1. Which of these services offered by Co-operative do you use - Social fund
• INF2_1_98 - INF2.1. Which of these services offered by Co-operative do you use - Other, spec
• INF2_1_96 - INF2.1. Which of these services offered by Co-operative do you use - Don’t know/
• INF3a_1 - INF3a.1. Co-operative - How often do you make savings or contributions?
• INF3b_1 - INF3b.1. Co-operative - When did you last contribute/save with this provider?
• INF3c_1 - INF3c.1. Co-operative - How much did you contribute the last time you contribute
• INF3d_1 - INF3d.1. Co-operative - What is the main reason why you save with this provider?
• INF4a_1 - INF4a.1. Co-operative - How often do you borrow from this provider?
• INF4b_1 - INF4b.1. Co-operative - When did you last borrow from this provider?
• INF4c_1 - INF4c.1. Co-operative - How much did you borrow the last time you borrowed from
• INF4d_1 - INF4d.1. Co-operative - What is the main reason why you borrow from this provide
• INF5_1 - INF5.1. Co-operative - How often does this provider pay out profits/dividends/sa
• INF1_2_1 - INF1.2. Services offered by Savings group - Saving
• INF1_2_2 - INF1.2. Services offered by Savings group - Credit (loans)
• INF1_2_3 - INF1.2. Services offered by Savings group - Investment
• INF1_2_4 - INF1.2. Services offered by Savings group - Buy stocks/shares
• INF1_2_5 - INF1.2. Services offered by Savings group - Social fund
• INF1_2_98 - INF1.2. Services offered by Savings group - Other, specify
• INF1_2_96 - INF1.2. Services offered by Savings group - Don’t know/can’t remember
• INF2_2_1 - INF2.2. Which of these services offered by Savings group do you use - Saving
• INF2_2_2 - INF2.2. Which of these services offered by Savings group do you use - Credit (lo
• INF2_2_3 - INF2.2. Which of these services by Savings group do you use - Investment
• INF2_2_4 - INF2.2. Which of these services by Savings group do you use - Buy stocks/shares
• INF2_2_5 - INF2.2. Which of these services offered by Savings group do you use - Social fun
• INF2_2_98 - INF2.2. Which of these services offered by Savings group do you use - Other, spe
• INF2_2_96 - INF2.2. Which of these services offered by Savings group do you use - Don’t know
• INF3a_2 - INF3a.2. Savings group - How often do you make savings or contributions?
• INF3b_2 - INF3b.2. Savings group - When did you last contribute/save with this provider?
• INF3c_2 - INF3c.2. Savings group - How much did you contribute the last time you contribut
• INF3d_2 - INF3d.2. Savings group - What is the main reason why you save with this provider
• INF4a_2 - INF4a.2. Savings group - How often do you borrow from this provider?
• INF4b_2 - INF4b.2. Savings group - When did you last borrow from this provider?
• INF4c_2 - INF4c.2. Savings group - How much did you borrow the last time you borrowed from
• INF4d_2 - INF4d.2. Savings group - What is the main reason why you borrow from this provid
• INF5_2 - INF5.2. Savings group - How often does this provider pay out profits/dividends/s
• INF1_3_1 - IFN1.3. Services offered by Village/community association - Saving
• INF1_3_2 - IFN1.3. Services offered by Village/community association - Credit (loans)
• INF1_3_3 - IFN1.3. Services offered by Village/community association - Investment
• INF1_3_4 - IFN1.3. Services offered by Village/community association - Buy stocks/shares
• INF1_3_5 - IFN1.3. Services offered by Village/community association - Social fund
• INF1_3_98 - IFN1.3. Services offered by Village/community association - Other, specify
• INF1_3_96 - IFN1.3. Services offered by Village/community association - Don’t know/can’t rem
• INF2_3_1 - IFN2.3. Which of these services offered by Village/community association do you
• INF2_3_2 - IFN2.3. Which of these services offered by Village/community association do you
• INF2_3_3 - IFN2.3. Which of these services offered by Village/community association do you
• INF2_3_4 - IFN2.3. Which of these services offered by Village/community association do you
• INF2_3_5 - IFN2.3. Which of these services offered by Village/community association do you
• INF2_3_98 - IFN2.3. Which of these services offered by Village/community association do you
• INF2_3_96 - IFN2.3. Which of these services offered by Village/community association do you
• INF3a_3 - INF3a.3. Village/community association - How often do you make savings or contri
• INF3b_3 - INF3b.3. Village/community association - When did you last contribute/save with
• INF3c_3 - INF3c.3. Village/community association - How much did you contribute the last ti
• INF3d_3 - INF3d.3. Village/community association - What is the main reason why you save wi
• INF4a_3 - INF4a.3. Village/community association - How often do you borrow from this provi
• INF4b_3 - INF4b.3. Village/community association - When did you last borrow from this prov
• INF4c_3 - INF4c.3. Village/community association - How much did you borrow the last time y
• INF4d_3 - INF4d.3. Village/community association - What is the main reason why you borrow
• INF5_3 - INF5.3. Village/community association - How often does this provider pay out pro
• INF1_4_1 - IFN1.4. Services offered by Savings/thrift collector/merchant - Saving
• INF1_4_2 - IFN1.4. Services offered by Savings/thrift collector/merchant - Credit (loans)
• INF1_4_3 - IFN1.4. Services offered by Savings/thrift collector/merchant - Investment
• INF1_4_4 - IFN1.4. Services offered by Savings/thrift collector/merchant - Buy stocks/share
• INF1_4_5 - IFN1.4. Services offered by Savings/thrift collector/merchant - Social fund
• INF1_4_98 - IFN1.4. Services offered by Savings/thrift collector/merchant - Other, specify
• INF1_4_96 - IFN1.4. Services offered by Savings/thrift collector/merchant - Don’t know/can’t
• INF2_4_1 - IFN2.4. Which of these services offered by Savings/thrift collector/merchant do
• INF2_4_2 - IFN2.4. Which of these services offered by Savings/thrift collector/merchant do
• INF2_4_3 - IFN2.4. Which of these services offered by Savings/thrift collector/merchant do
• INF2_4_4 - IFN2.4. Which of these services offered by Savings/thrift collector/merchant do
• INF2_4_5 - IFN2.4. Which of these services offered by Savings/thrift collector/merchant do
• INF2_4_98 - IFN2.4. Which of these services offered by Savings/thrift collector/merchant do
• INF2_4_96 - IFN2.4. Which of these services by Savings/thrift collector/merchant do you use
• INF3a_4 - INF3a.4. Savings/thrift collector/merchant - How often do you make savings or co
• INF3b_4 - INF3b.4. Savings/thrift collector/merchant - When did you last contribute/save w
• INF3c_4 - INF3c.4. Savings/thrift collector/merchant - How much did you contribute the las
• INF3d_4 - INF3d.4. Savings/thrift collector/merchant - What is the main reason why you sav
• INF4a_4 - INF4a.4. Savings/thrift collector/merchant - How often do you borrow from this p
• INF4b_4 - INF4b.4. Savings/thrift collector/merchant - When did you last borrow from this
• INF4c_4 - INF4c.4. Savings/thrift collector/merchant - How much did you borrow the last ti
• INF4d_4 - INF4d.4. Savings/thrift collector/merchant - What is the main reason why you bor
• INF5_4 - INF5.4. Savings/thrift collector/merchant - How often does this provider pay out
• INF1_5_1 - IFN1.5. Services offered by Moneylender - Saving
• INF1_5_2 - IFN1.5. Services offered by Moneylender - Credit (loans)
• INF1_5_3 - IFN1.5. Services offered by Moneylender - Investment
• INF1_5_4 - IFN1.5. Services offered by Moneylender - Buy stocks/shares
• INF1_5_5 - IFN1.5. Services offered by Moneylender - Social fund
• INF1_5_98 - IFN1.5. Services offered by Moneylender - Other, specify
• INF1_5_96 - IFN1.5. Services offered by Moneylender - Don’t know/can’t remember
• INF2_5_1 - IFN2.5. Which of these services offered by Moneylender do you use - Saving
• INF2_5_2 - IFN2.5. Which of these services offered by Moneylender do you use - Credit (loan
• INF2_5_3 - IFN2.5. Which of these services offered by Moneylender do you use - Investment
• INF2_5_4 - IFN2.5. Which of these services offered by Moneylender do you use - Buy stocks/s
• INF2_5_5 - IFN2.5. Which of these services offered by Moneylender do you use - Social fund
• INF2_5_98 - IFN2.5. Which of these services offered by Moneylender do you use - Other, speci
• INF2_5_96 - IFN2.5. Which of these services offered by Moneylender do you use - Don’t know/c
• INF4a_5 - INF4a.5. Moneylender - How often do you borrow from this provider?
• INF4b_5 - INF4b.5. Moneylender - When did you last borrow from this provider?
• INF4c_5 - INF4c.5. Moneylender - How much did you borrow the last time you borrowed from t
• INF4d_5 - INF4d.5. Moneylender - What is the main reason why you borrow from this provider
• INF1_6_1 - IFN1.6. Services offered by Microfinance institution - Saving
• INF1_6_2 - IFN1.6. Services offered by Microfinance institution - Credit (loans)
• INF1_6_3 - IFN1.6. Services offered by Microfinance institution - Investment
• INF1_6_4 - IFN1.6. Services offered by Microfinance institution - Buy stocks/shares
• INF1_6_5 - IFN1.6. Services offered by Microfinance institution - Social fund
• INF1_6_98 - IFN1.6. Services offered by Microfinance institution - Other, specify
• INF1_6_96 - IFN1.6. Services offered by Microfinance institution - Don’t know/can’t remember
• INF2_6_1 - IFN2.6. Which of these services offered by Microfinance institution do you use -
• INF2_6_2 - IFN2.6. Which of these services offered by Microfinance institution do you use -
• INF2_6_3 - IFN2.6. Which of these services offered by Microfinance institution do you use -
• INF2_6_4 - IFN2.6. Which of these services offered by Microfinance institution do you use -
• INF2_6_5 - IFN2.6. Which of these services offered by Microfinance institution do you use -
• INF2_6_98 - IFN2.6. Which of these services offered by Microfinance institution do you use -
• INF2_6_96 - IFN2.6. Which of these services offered by Microfinance institution do you use -
• INF3a_6 - INF3a.6. Microfinance institution - How often do you make savings or contributio
• INF3b_6 - INF3b.6. Microfinance institution - When did you last contribute/save with this
• INF3c_6 - INF3c.6. Microfinance institution - How much did you contribute the last time yo
• INF3d_6 - INF3d.6. Microfinance institution - What is the main reason why you save with th
• INF4a_6 - INF4a.6. Microfinance institution - How often do you borrow from this provider?
• INF4b_6 - INF4b.6. Microfinance institution - When did you last borrow from this provider?
• INF4c_6 - INF4c.6. Microfinance institution - How much did you borrow the last time you bo
• INF4d_6 - INF4d.6. Microfinance institution - What is the main reason why you borrow from
• INF5_6 - INF5.6. Microfinance institution - How often does this provider pay out profits/
• PC1 - PC1. How do you usually get to your nearest provision shop?
• PC2_1 - PC2. Close to where you live there is a - Bank branch
• PC2_2 - PC2. Close to where you live there is a - Banking agent
• PC2_3 - PC2. Close to where you live there is a - ATM
• PC2_4 - PC2. Close to where you live there is a - Mobile money agent
• PC2_5 - PC2. Close to where you live there is a - Microfinance bank
• PC2_6 - PC2. Close to where you live there is a - Non-interest service provider
• PC2_7 - PC2. Close to where you live there is a - Primary mortgage bank
• PC2_8 - PC2. Close to where you live there is a - Petrol Station
• PC2_9 - PC2. Close to where you live there is a - Pharmacy
• PC2_10 - PC2. Close to where you live there is a - Restaurant
• PC2_11 - PC2. Close to where you live there is a - Post Office
• PC2_12 - PC2. Close to where you live there is a - Mobile phone kiosk
• PC3_1 - PC3. How long does it take to get to the nearest - Bank branch
• PC3_2 - PC3. How long does it take to get to the nearest - Banking agent
• PC3_3 - PC3. How long does it take to get to the nearest - ATM
• PC3_4 - PC3. How long does it take to get to the nearest - Mobile money agent
• PC3_5 - PC3. How long does it take to get to the nearest - Microfinance bank
• PC3_6 - PC3. How long does it take to get to the nearest - Non-interest service provider
• PC3_7 - PC3. How long does it take to get to the nearest - Primary mortgage bank
• PC3_8 - PC3. How long does it take to get to the nearest - Petrol Station
• PC3_9 - PC3. How long does it take to get to the nearest - Pharmacy
• PC3_10 - PC3. How long does it take to get to the nearest - Restaurant
• PC3_11 - PC3. How long does it take to get to the nearest - Post Office
• PC3_12 - PC3. How long does it take to get to the nearest - Mobile phone kiosk
• IE1a - IE1a. M6a. Total Personal Monthly Income actual
• IE1b - IE1b. Personal Monthly Income (income bracket)
• IE2_1 - IE2. Monthly average spend on - Food/grocery
• IE2_2 - IE2. Monthly average spend on - Airtime/data bundles
• IE2_3 - IE2. Monthly average spend on - Education/school fees
• IE2_4 - IE2. Monthly average spend on - Utility bills
• IE2_5 - IE2. Monthly average spend on - Fuel (car, motor-bike or generator)
• IE2_6 - IE2. Monthly average spend on - Transport
• IE2_7 - IE2. Monthly average spend on - Medical expenses
• IE2_8 - IE2. Monthly average spend on - Rent
• IE2_9 - IE2. Monthly average spend on - Social activities/entertainment
• LD_Q9 - Total number of Household in the EA
• LD_Q11 - Sum of all males in the EA
• LD_Q12 - Sum of all females in the EA
• LD_Q13 - Sum of total household size
• LD_Q14 - Sum of all males aged 18 years and above
• LD_Q15 - Sum of all females aged 18 years and above
• LD_Q16 - Sum of all people aged 18 years and above
• Q6000_ - Banked
• Q6001_ - Other formal (non-bank)
• Q6002_ - Informal mechanism
• Q6003_ - Access Stand
• Q6004_ - Overlaps
• Q6007_ - Credit - Inform loan
• Q6008_ - Credit - Borrow from family/friends
• Q6009_ - Credit strand
• Q6010_ - Remittances - Bank
• Q6011_ - Remittances - other formal (non-bank)
• Q6012_ - Remittances - Informal
• Q6013_ - Remittances - Through family/friends
• Q6014_ - Remittances strand
• Q6015_ - Savings - Bank
• Q6016_ - Savings - Other formal non-bank
• Q6017_ - Savings - Informal
• Q6018_ - Savings - At home
• Q6019_ - Savings Strand
• Q6020_ - Pension (Imputed)
• Q6022_ - Mobile money
• Q6023_ - Insurance
• Q6021_ - Microfinance bank
• Q6005_ - Credit - Bank
• Q6006_ - Credit - Other formal
• Q6024_ - Banking status
• inc - Income Distribution
• PPI1 - PPI1 household size score
• PPI2 - PPI2 Number living rooms occupied
• PPI3 - PPI3 Roof main material score
• PPI4 - PPI4 Toilet facility type score
• PPI5 - PPI5 Cooker ownership score
• PPI6 - PPI6 Number of mattresses score
• PPI7 - PPI7 TV set ownership score
• PPI8 - PPI8 Number of mobile phones score
• PPI9 - PPI9 Vehicle ownership score
• PPI10 - PPI10 Key agricultural input ownership score
• ppi_score
• ppi_prob
• ppi_cutoff - Eco-status
• banked
• Other_formal
• informal
• excluded
• serial
• zone
• lga
• state
• eaname
• ld_state
• ld_eaname
• ld_sector
• hh_listed
• hh_sampled
• statecode
• pop18
• ea_covered
• totalhh -  Total HH
• population - Population
• age18above_pop
• eligible_ea
• urban_ea
• rural_ea
• eligible_hh
• urban_hh
• rural_hh
• hh_wt
• ea_wt
• weight
• totalhh_adj
• hhweight
• estpop
• popweight - 2023 Adult population Weight
• wealthscore
• quintile - 5 quantiles of wealthscore
• Formallyincluded
• Financiallyincluded

f10844636 Location:

Summary Statistics: Mean 462996.4257371687; Max. 528106.0; StDev 33030.20165618276; Valid 27470.0; Min. 392090.0

Variable Format: numeric

Notes: UNF:6:KuHWfRs6dRMpDjpyqW+HbQ==

f10844636 Location:

Summary Statistics: Valid 27470.0; Max. 22854.306640625; Min. 103.26399993896484; StDev 1763.6617680969596; Mean 1445.3274115890636;

Variable Format: numeric

Notes: UNF:6:4Cqi1CC8k7sAqaHZaDirGw==

f10844636 Location:

Summary Statistics: StDev 4439.850833553633; Min. 258.15997314453125; Max. 56935.29296875; Mean 3627.719732182457; Valid 27470.0

Variable Format: numeric

Notes: UNF:6:CEAwJtD8KW+ZrVDl324ncA==

f10844636 Location:

Summary Statistics: Mean 3627.458956280871; Valid 27470.0; StDev 6214.9941391119655; Min. 87.33116912841797; Max. 87861.0703125;

Variable Format: numeric

Notes: UNF:6:9GUnRndlXVStyNde7pzysQ==

f10844636 Location:

Variable Format: character

Notes: UNF:6:ONJnzFyFvnhKL+/za6w0ZA==

f10844636 Location:

Variable Format: character

Notes: UNF:6:m6GDeBPCP47OROqrE89+Qw==

f10844636 Location: