Back checked P T TL 1 5 EIC 2 6 OFE 3 7 FM 4 8. Sig: TL/EIC/OFE/FM

Transcription

1 PROJECT GOLDBERG JOB NUMBER: SERIAL No. (RESPONDENT) AREA CODE INTERVIEWER CODE INTERVIEW DATE D D M M Y Y Respondent s name: Address: Main Area: Landmark: Name of supervisor: Interviewer s Name: Accompanied TL 1 EIC 2 OFE 3 FM 4 Sig: TL/EIC/OFE/FM Back checked P T TL 1 5 EIC 2 6 OFE 3 7 FM 4 8 Sig: TL/EIC/OFE/FM Scrutinised TL 1 EIC 2 OFE 3 FM 4 Sig: TL/EIC/OFE/FM Landline Tel No (STD code followed by phone number, begin from left; blanks at end allowed) Mobile No Centre IMRB International 1

2 MQ1a1.What is your primary job i.e. the job where you spend most of your time? SINGLE CODING Farmer 01 Government employee (permanent) 02 Government employee (temporary) 03 Private sector employee (permanent) 04 Private sector employee (temporary) 05 Business owner or self-employed 06 Student 07 Housewife 08 Unemployed 09 Retired 10 Others (Please Specify ) 11 SCRIPTER: DO NOT ASK MQ1A2 & MQ1A3 IF 7/9 CODED IN MQ1A1, GO TO MQ3A MQ1a2.Are you the primary / main earner in your household? SINGLE CODING Yes 01 No 02 MQ1a3. Does your primary job (i.e. the job where you spend most of your time) earn you income? Yes 01 No 02 SCRIPTER: ASK MQ1A4 ONWARDS IF 1 CODED IN MQ1A3, ELSE GO TO MQ3A MQ1a4.Please tell me how often do you receive income from your primary job? SINGLE CODING Daily 1 Twice a week 2 Once a week 3 Once in two weeks 4 Monthly 5 Every 1 3 months 6 Every 3 6 months 7 More than 6 months 8 MQ1c. Please tell me in what form do you receive this primary source of income? MULTIPLE CODING POSSIBLE Cash 1 Direct bank transfer 2 Transfer into a microfinance account 3 Transfer into a mobile money account 4 Cheque 5 Others (Please Specify ) 6 SCRIPTER: SCRIPTER: DO NOT IF 7/9 CODED IN MQ1A1 MQ2a. What are your households secondary or other sources of income? MULTIPLE CODING IMRB International 2

3 Wages or income from spouse, parents, or other relatives who you live with 1 Remittances from spouse, parents, or other relatives or friends 2 Government scholarships 3 Government pensions 4 NREGA 5 Any other government benefits 6 Savings 7 Interest on Savings 8 Rent from landholding 9 Interest from stocks 10 Occasional work / labor 11 Selling products / services 12 Occasional selling of land / belongings 13 Others (Please Specify ) 14 I do not have another source of income 98 SCRIPTER: IF 98 CODED IN MQ2A, GO TO MQ4D IF ELIGIBLE AS PER ITS CRITERIA OR ELSE GO TO MQ5A SCRIPTER: ASK MQ2A1 ONLY IF THERE ARE TWO OR MORE OPTIONS CODED IN MQ2A. IN CASE ONY ONE RESPONSE IS CODED IN MQ2A, FORCE CODE INTO MQ2A1 AS WELL MQ2a1.What is your household s largest source of secondary income? SINGLE CODING Wages or income from spouse, parents, or other relatives who you live with 1 Remittances from spouse, parents, or other relatives or friends 2 Government scholarships 3 Government pensions 4 NREGA 5 Any other government benefits 6 Savings 7 Interest on Savings 8 Rent from landholding 9 Interest from stocks 10 Occasional work / labor 11 Selling products / services 12 Occasional selling of land / belongings 13 Others (Please Specify ) 14 SCRIPTER: SKIP TO MQ4D IF 98 CODED IN MQ2A, ELSE CONTINUE MQ2b. Please tell me how often do you receive this largest secondary or other source of income? SINGLE CODING Daily 1 Twice a week 2 Once a week 3 Once in two weeks 4 Monthly 5 IMRB International 3

4 Every 1 3 months 6 Every 3 6 months 7 More than 6 months 8 MQ2C. In what form do you receive this largest secondary source of income? MULTIPLE CODING POSSIBLE Cash 1 Direct bank transfer 2 Transfer into a microfinance account 3 Transfer into a mobile money account 4 Cheque 5 Others (Please Specify ) 6 SCRIPTER: ASK MQ3A ONWARDS ONLY IF 2 CODED IN MQ1A3, ELSE GO TO MQ4D IF ELIGIBLE OR ELSE GO TO MQ5A SCRIPTER: ALSO ASK TO THOSE CODED 7/9 in MQ1A1 MQ3a. You said you don t have a job which brings you income. What is your main source of money for daily expenses? SINGLE CODING ONLY Wages or income from spouse, parents, or other relatives who you live with 1 Remittances from spouse, parents, or other relatives or friends 2 Government scholarship 3 Government pensions 4 NREGA 5 Any other government benefits 6 Savings 7 Interest on Savings 8 Rent from landholding 9 Interest from stocks 10 Occasional work / labor 11 Selling products / services 12 Occasional selling of land / belongings 13 Others (Please Specify ) 14 MQ3b. And how often do you receive this income? SINGLE CODING ONLY Daily 1 Twice a week 2 Once a week 3 Once in two weeks 4 Monthly 5 IMRB International 4

5 Every 1 3 months 6 Every 3 6 months 7 More than 6 months 8 MQ3c. Please tell me in what form do you personally receive this income? MULTIPLE CODING POSSIBLE Cash 1 Direct Bank Transfer 2 Transfer into a microfinance account 3 Transfer into a mobile money account 4 Cheque 5 Others (Please Specify ) 6 SCRIPTER: ASK MQ3A ONWARDS ONLY IF 2 CODED IN MQ1A3, ELSE GO TO MQ4D IF ELIGIBLE OR ELSE GO TO MQ5A SCRIPTER: ALSO ASK TO THOSE CODED 7/9 IN MQ1A1 MQ4a. You said you don t have a job which brings you income. What are your household s secondary sources of money for daily expenses? MULTIPLE CODING POSSIBLE Wages or income from spouse, parents, or other relatives who you live with 1 Remittances from spouse, parents, or other relatives or friends 2 Government scholarship 3 Government pensions 4 NREGA 5 Any other government benefits 6 Savings 7 Interest on Savings 8 Rent from landholding 9 Interest from stocks 10 Occasional work / labor 11 Selling products / services 12 Occasional selling of land / belongings 13 Others (Please Specify ) 14 I do not have another source of income 98 SCRIPTER: IF 98 CODED IN MQ4A GO TO MQ4D IF ELIGIBLE OR GO TO MQ4H SCRIPTER: ASK MQ4A1 ONLY IF 98 NOT CODED IN MQ4A AND IF THERE ARE TWO OR MORE OPTIONS CODED IN MQ4A. IN CASE ONY ONE RESPONSE CODED IN MQ4A, FORCE CODE FOR MQ4A1 AS WELL MQ4a1.What is the largest source of this secondary income? SINGLE CODING Wages or income from spouse, parents, or other relatives who you live with 1 IMRB International 5

6 Remittances from spouse, parents, or other relatives or friends 2 Government scholarships 3 Government pensions 4 NREGA 5 Any other government benefits 6 Savings 7 Interest on Savings 8 Rent from landholding 9 Interest from stocks 10 Occasional work / labor 11 Selling products / services 12 Occasional selling of land / belongings 13 Others (Please Specify ) 14 SCRIPTER: ASK MQ4B & MQ4C IF 98 NOT CODED IN MQ4A, ELSE GO TO MQ4D IF ELIGIBLE OR ELSE GO TO MQ5A MQ4b. And how often do you receive this secondary source of income? SINGLE CODING ONLY Daily 1 Twice a week 2 Once a week 3 Once in two weeks 4 Monthly 5 Every 1 3 months 6 Every 3 6 months 7 More than 6 months 8 MQ4c. Please tell me in what form do you personally receive this secondary source of income? MULTIPLE CODING POSSIBLE Cash 1 Direct Bank Transfer 2 Transfer into a microfinance account 3 Transfer into a mobile money account 4 Cheque 5 Others (Please Specify ) 6 SCRIPTER: ASK MQ4D IF 1 CODED IN MQ1C OR MQ2C OR MQ3C OR MQ4C MQ4d. You said you / your HH receives income in cash. Please tell me what does your household do with any cash received that does not have to be spent? MULTIPLE CODING POSSIBLE There is none 01 Keep it at home 02 Deposit it in a bank 03 Deposit it with village level savings 04 Deposit it with a chit fund 05 IMRB International 6

7 Deposit it with a mobile money service 06 Deposit it with a microfinance institution 07 Deposit it with a cooperative bank account 08 Deposit it with savings collectors 09 Deposit it with a post-office account 10 Use it on physical assets such as cattle/gold 11 Send it to someone 12 Others (Please Specify ) 13 SCRIPTER: ASK MQ4E MQ4G1 IF ONLY 1/2 NOT CODED IN MQ4D. IN CASE 2 IS CODED ALONG WITH SOME OTHER OPTION, THEN ASK MQ4E MQ4e. Please tell me how often do you deposit your income in this manner? SINGLE CODING Daily 1 Twice a week 2 Once a week 3 Once in two weeks 4 Monthly 5 Every 1 3 months 6 Every 3 6 months 7 More than 6 months 8 MQ4f. How much money do you generally deposit each time? We are just looking for an approximate number SINGLE CODING Between Rs Between Rs Between Rs Between Rs Between Rs More than Rs MQ4g. You may have had to incur some costs for depositing cash due to transportation or some other expenses How much money do you spend on such other expenses (every time it has to be deposited)? SINGLE CODING Nothing 1 Less than Rs Between Rs Between Rs Between Rs Between Rs More than Rs MQ4g1. How much time do you spend depositing this money (every time it has to be deposited)? SINGLE CODING Less than 15 mins 1 IMRB International 7

8 Between mins 2 Between 30 mins to an hour 3 Between an hour to 2 hours 4 Between 2 hours to 4 hours 5 More than 4 hours 6 SCRIPTER: ASK MQ4H IF 1/2/3/4/5/6 CODED IN MQ1C OR MQ2C OR MQ3C OR MQ4C MQ4h. Please tell me how often do you withdraw your money from your deposit account? SINGLE CODING Daily 1 Twice a week 2 Once a week 3 Once in two weeks 4 Monthly 5 Every 1 3 months 6 Every 3 6 months 7 More than 6 months 8 Never 9 SCRIPTER: IF 9 CODED IN MQ4H, DO NOT ASK MQ4I MQ4K MQ4i. From where do you withdraw this money? SINGLE CODING Over the counter in a branch of the institution 1 ATM 2 A door to door agent, banking correspondent, or representative of the organisation 3 Over the counter at a retail store, such as EKO counter 4 Others (Please Specify ) 5 MQ4j. How much money do you generally withdraw each time? We are just looking for an approximate number SINGLE CODING Between Rs Between Rs Between Rs Between Rs Between Rs More than Rs MQ4j1. How much time do you spend withdrawing this money (every time it has to be withdrawn)? SINGLE CODING Less than 15 mins 1 Between mins 2 Between 30 mins to an hour 3 Between an hour to 2 hours 4 Between 2 hours to 4 hours 5 More than 4 hours 6 MQ4k. You may have had to incur some costs for withdrawing cash due to transportation or some other expenses How much money do you spend on such other expenses (every time it has to be withdrawn)? SINGLE CODING IMRB International 8

9 Nothing 1 Less than Rs Between Rs Between Rs Between Rs Between Rs More than Rs SCRIPTER: ASK ALL MQ5a. Please tell me do you receive (SCRIPTER: ASK SEPERATELY FOR EACH OPTION)? : Yes No Government Scholarships 1 2 Government Pension 1 2 NREGA Payments 1 2 Any other government benefits (such as Cooking Gas subsidy, etc.) 1 2 SCRIPTER: ASK MQ5B & MQ5B1 ONLY IF 1 CODED FOR GOVERNMENT SCHOLARSHIPS MQ5b. In what form do you receive Government Scholarships? SINGLE CODING Cash 1 Bank Transfer 2 Cheque 3 Mobile Wallet 4 Others (Please Specify ) 5 MQ5b1.In what form would you prefer to receive Government Scholarships? SINGLE CODING INTERVIEWER TO READ OUT THE OPTIONS Cash 1 Bank Transfer 2 Cheque 3 Mobile Wallet 4 Others (Please Specify ) 5 SCRIPTER: ASK MQ5C & MQ5C1 ONLY IF 1 CODED FOR GOVERNMENT PENSION MQ5C. In what form do you receive Government Pension? SINGLE CODING INTERVIEWER TO READ OUT THE OPTIONS Cash 1 Bank Transfer 2 Cheque 3 Mobile Wallet 4 Others (Please Specify ) 5 IMRB International 9

10 MQ5C1.In what form would you prefer to receive Government Pension? SINGLE CODING INTERVIEWER TO READ OUT THE OPTIONS Cash 1 Bank Transfer 2 Cheque 3 Mobile Wallet 4 Others (Please Specify ) 5 SCRIPTER: ASK MQ5D ONLY IF 1 CODED FOR NREGA PAYMENTS MQ5d. In what form do you receive NREGA Payments? SINGLE CODING INTERVIEWER TO READ OUT THE OPTIONS Cash 1 Bank Transfer 2 Cheque 3 Mobile Wallet 4 Others (Please Specify ) 5 MQ5D1.In what form would you prefer to receive NREGA payments? SINGLE CODING INTERVIEWER TO READ OUT THE OPTIONS Cash 1 Bank Transfer 2 Cheque 3 Mobile Wallet 4 Others (Please Specify ) 5 SCRIPTER: ASK MQ5E & MQ5E1 ONLY IF 1 CODED FOR OTHER GOVERNMENT BENEFITS MQ5e. In what form do you receive other Government benefits? SINGLE CODING INTERVIEWER TO READ OUT THE OPTIONS Cash 1 Bank Transfer 2 Cheque 3 Mobile Wallet 4 Others (Please Specify ) 5 MQ5e1.In what form would you prefer to receive other Government benefits? SINGLE CODING INTERVIEWER TO READ OUT THE OPTIONS Cash 1 Bank Transfer 2 Cheque 3 Mobile Wallet 4 Others (Please Specify ) 5 IMRB International 10

11 MQ6c. Could you please tell me who takes the final decision on regular expenditures such as purchase of groceries, milk, vegetables, etc.? SINGLE CODING I make the decision with someone else 1 I am the primary decision maker 2 Another male in the household, who is the primary earner 3 Another female in the household, who is the primary earner 4 Another male in the household, who is not the primary earner 5 Another female in the household, who is not the primary earner 6 MQ6d. Could you please tell me who takes the final decision on large expenditure items? SINGLE CODING I make the decision with someone else 1 I am the primary decision maker 2 Another male in the household, who is the primary earner 3 Another female in the household, who is the primary earner 4 Another male in the household, who is not the primary earner 5 Another female in the household, who is not the primary earner 6 MQ6e. How many payments do you make in a day? SINGLE CODING Between Between Between Between Between More than 15 6 Now, we would like to ask you a few questions about your banking habits MQ7c1. Did someone in your household get a bank account in the last one year? Yes 1 No 2 Q7c2. Was this bank account obtained under the Pradhan Mantri Jan Dhan Yojana scheme? Yes 1 No 2 Don t Know 3 SCRIPTER: POST CODE RESPONSE FROM RQ13 MQ7a. Please tell me do you personally own a bank account? Yes 1 No 2 IMRB International 11

12 SCRIPTER: ASK MQ7B - MQ7D1 ONLY IF 1 CODED IN MQ7A, ELSE GO TO MQ8A MQ7B. Was this account opened in the last one year? Yes 1 No 2 SCRIPTER: ASK MQ7C ONLY IF 1 CODED IN MQ7B, ELSE GO TO MQ8C MQ7c. Did you get this bank account under the Pradhan Mantri Jan Dhan Yojana scheme? Yes 1 No 2 Don t Know 3 SCRIPTER: ASK MQ8A TO THOSE CODED 2 IN MQ7A MQ8a. Please tell me do you use a bank account which belongs to someone else? SINGLE CODING Yes 1 No 2 SCRIPTER: ASK MQ8B ONWARDS TO THOSE CODED 1 IN MQ8A, ELSE GO TO MQ8K MQ8b. Whose bank account do you use most often? SINGLE CODING Family member in the household 1 Family member in a different household 2 Other relative 3 Workmate or business partner 4 Neighbor 5 Others (Please Specify ) 6 SCRIPTER: ASK MQ8B1 ONLY IF 1 CODED IN MQ8A MQ8b1 Was this account opened in the last one year? Yes 1 No 2 MQ7g. Did this person get this bank account under the Pradhan Mantri Jan Dhan Yojana scheme? Yes 1 No 2 Don t Know 3 SCRIPTER: ASK IF 1 CODED IN MQ7A OR 1 CODED IN MQ8A IMRB International 12

13 MQ8c. When was the last time you used a bank account for any financial activity (includes sending, receiving, saving, and storing money or making payments of any kind)? SINGLE CODING Yesterday 1 In the past week 2 In the past month 3 In the past three months 4 In the past six months 5 In the past year 6 More than a year ago 7 Never used my bank account for any financial activity 8 SCRIPTER: ASK MQ8D TO THOSE CODED 5/6/7/8 IN MQ8C MQ8d. Why have you not used your account in the last three months? MUTIPLE CODING I do not know how to use it 01 There are no banks close to where I live 02 I don t make transactions 03 Using a bank account is too difficult 04 Fees for using a bank account are too high 05 I do not understand the purpose of owning a bank account, I do not know what I can use it for 06 Banks do not offer the services I need 07 Bank staff/agents are unfriendly; they make me feel unwelcomed 08 I can t afford the minimum balance 09 Bank hours are not convenient for me 10 I would prefer to have my money close to me 11 I don t have time to go to the bank 12 My relatives do not approve of me having a bank account 13 I will not be able to go to a bank on my own 14 It is not approved my by religion 15 I would prefer to transact in cash 16 Others (Please Specify ) 17 SCRIPTER: ADMINSTER MQ8F & MQ8G IF 1/2/3/4 CODED IN MQ8C MQ8f. In the last three months, how many times have you accessed your bank account through (SCRIPTER: INSERT YES OPTIONS FROM MQ8E)? Over the counter in a branch of the bank ATM Bank s website Mobile application A door to door agent, banking correspondent, or another person who is associated with the bank Over the counter at a retail store, such as EKO counter SCRIPTER: ASK MQ8G IF 1/2/3/4 CODED IN MQ8C MQ8g. In the past three months, have you used the bank account for (SCRIPTER: INSERT OPTIONS ONE BY ONE)? IMRB International 13

14 Yes NO Withdraw money 1 2 Deposit money 1 2 Pay school bills 1 2 Buy mobile top-up / recharge / Pay mobile bill 1 2 Pay medical bills 1 2 Pay utility bills such as electricity, gas, landline, etc. 1 2 Send Money to a friend / relative 1 2 Receive government benefits 1 2 Pay for large acquisitions, including cattle, land, residence 1 2 Pay government tax or fine 1 2 Pay for goods at a grocery store 1 2 Pay for goods at a clothing shop or any other store 1 2 Pay for goods online 1 2 SCRIPTER: ASK MQ8H FOR ALL OPTIONS CODED IN MQ8G MQ8h. In the past three months, how many times have you used your bank account for (SCRIPTER: INSERT OPTIONS FROM MQ8G)? or more Withdraw money Deposit money Pay school bills Buy mobile top-up / recharge / Pay mobile bill Pay medical bills Pay utility bills such as electricity, gas, landline, etc. Send Money to a friend / relative Receive government benefits Receive wages for primary jobs Pay for large acquisitions, including cattle, land, residence Pay government tax or fine Pay for goods at a grocery store Pay for goods at a clothing shop or any other store Pay for goods online SCRIPTER: ASK MQ8I & MQ8J IF PAY FOR GOODS ONLINE CODED IN MQ8G MQ8i. What did you purchase online? Clothes 1 Footwear 2 Consumer durables 3 Accessories 4 Others (Please Specify ) 5 MQ8j. Where did you access the means to purchase this online? Using my mobile phone 1 Using someone else s mobile phone 2 Using my laptop/computer 3 IMRB International 14

15 Using someone else s laptop 4 At a cybercafé 5 Others (Please Specify ) 6 SCRIPTER: ASK MQ8K IF 2 CODED IN MQ8A MQ8k. Why do you not have your own bank account? MULTIPLE CODING I do not know what it is 01 I do not know how to get one 02 I do not have a state issued/national ID or other required documents 03 There are no banks close to where I live 04 I do not need one, I don t make transactions 05 Registration paperwork is too complicated 06 Registration fee is too high 07 Using a bank account is too difficult 08 Fees for using a bank account are too high 09 I do not have money to make any transactions with such account 10 I do not understand the purpose of owning a bank account, I do not know what I can use it for 11 Banks do not offer the services I need 12 Bank staff/agents are unfriendly; they make me feel unwelcomed 13 I can t afford the minimum balance 14 Bank hours are not convenient for me / I don t have time to go to the bank 15 I never thought about using a bank 16 I do not trust banks/that my money is safe in a bank 17 I would prefer to have my money close to me 18 My relatives do not approve of me having a bank account 19 I will not be able to go to a bank on my own 20 It is not approved my by religion 21 I would prefer to transact in cash 22 Others (Please Specify ) 23 SCRIPTER: ASK ALL MQ9a. Please tell me have you taken a loan in the last one year? SINGLE CODING Yes 1 No 2 SCRIPTER: MQ9B MQ9 TO BE ADMINISTERED ONLY IF 1 CODED IN MQ9A, ELSE GO TO MQ9H MQ9b. From where did you take this loan? MULTIPLE CODING From family / relatives 01 From friends 02 From a bank 03 From a Microfinance Institution 04 From a village Level savings Group 05 From someone in the workplace 06 Through a post office account 07 Through a savings collectors 08 IMRB International 15

16 Though Chits and chit fund groups 09 From a private moneylender 10 From my employer 11 From a store / shop 12 Others (Please Specify ) 13 MQ9c. Of the many loans you might have taken, could you please tell me what is the largest amount for which you have taken a loan? SINGLE CODING Rs Rs Rs Rs Rs Rs Rs Over 1 Lakh 8 SCRIPTER: DO NOT ALLOW FOR NUMBER BELOW 100 MQ9d. Please tell me for every Rs.100 that you borrow, what is the amount that you have to repay? (In Rupees) MQ9e. SCRIPTER: CHANGE NUMERIC VALUE TO 1 TO 999 In how many months do you need to pay back the whole sum? MQ9f. Could you please tell me what do you think is the interest rate that you have to repay? (In percentage) SINGLE CODING I do not pay any interest 1 Less than 5% % % % % % % % 9 Don t know 10 MQ9g. Did you have to give some security/deposit like land or gold for this loan? SINGLE CODING Yes 01 No 02 MQ9h. How strongly do you agree with the statement My current needs for credit are not adequately met? SINGLE CODING Strongly disagree 1 Disagree somewhat 2 Neither agree nor disagree 3 Agree somewhat 4 IMRB International 16

17 Agree fully 5 SCRIPTER: ASK MQ9I IF 3/4/5 CODED IN MQ9H MQ9i. Why have you not been able to fulfil this need? MULTIPLE CODING POSSIBLE I do not know where I can get credit from 01 I do not have the required collateral (e.g. land, cash) 02 I don t have the required documents to take credit 03 My relatives do not approve of me taking credit 04 It is against my religion 05 There are no banks or other formal financial institutions nearby 06 There are no money-lenders or other informal credit sources available to me 07 Bank / credit institution hours are not convenient for me 08 I don t have the time to go to the bank or credit institution 09 I have exhausted all sources of credit 10 The terms of the loan were not favourable 11 Interest rates are too high 12 I did not want to pledge the required collateral (e.g. land, cash) 13 I don t want to be in debt 14 Paperwork is too complicated 15 I find the loan terms difficult to understand 16 I don t like the experience of interacting with banks 17 I don t like the experience of interacting with other formal financial institutions 18 I do not trust banks and other formal financial institutions 19 I do not trust informal savings institutions 20 I don t like the experience of interacting with local money-lenders and other informal financial institutions 21 I don t like asking my friends and family for money 22 Others (Please Specify ) 23 MQ10a. In the last three months, have you saved money for any purpose? SINGLE CODING Yes 01 No 02 SCRIPTER: MQ10B TO BE ADMINISTERED ONLY IF 1 CODED IN MQ10A, ELSE GO TO MQ1OC MQ10b. Please tell me where did you do this saving? MULTIPLE CODING At home 01 Through family / relatives 02 Through friends 03 Through a bank 04 Through a Microfinance Institution 05 Through a village Level savings Group 06 Through someone in the workplace 07 Through a post office account 08 Through a savings collectors 09 Though Chits and chit fund groups 10 IMRB International 17

18 From a private moneylender 11 From my employer 12 Through a store / shop 13 Through LIC 14 Through National Savings Certificate 15 Others (Please Specify ) 16 MQ10c. How strongly do you agree with the statement I would like additional ways to contribute to my savings? SINGLE CODING Strongly disagree 1 Disagree somewhat 2 Neither agree nor disagree 3 Agree somewhat 4 Agree fully 5 SCRIPTER: ASK MQ10D ONLY IF 3/4/5 CODED IN MQ10C MQ10d. Why haven t you been able to fulfil your need to save? MULTIPLE CODING POSSIBLE I can t afford the minimum balance 01 I don t know of any formal or informal savings institutions 02 I don t have the required documents 03 I never thought about it 04 My relatives do not approve of me saving money 05 It is against my religion 06 There are no banks or other formal financial institutions nearby 07 There are no informal savings mechanisms available to me 08 Bank hours are not convenient for me 09 I don t have time to go to the saving institution 10 I don t save enough to make it worth it 11 I don t like the terms of the saving options available 12 I would prefer to have my money close to me 13 Using a savings account is too difficult 14 Fees for using a savings account are too high 15 Registration paperwork is too complicated 16 Registration fee is too high 17 I don t like the experience of interacting with banks 18 I don t like the experience of interacting with other formal financial institutions 19 I don t like the experience of interacting with local money-lenders and other informal financial institutions 20 I do not trust banks and other formal financial institutions/that my money is safe in a bank 21 I do not trust informal savings institutions 22 Others (Please Specify ) 23 MQ12d.Please tell me if you are aware that you can own a debit or ATM card which can be used for withdrawing cash from an ATM and purchase goods and services? IMRB International 18

19 Yes 1 No 2 SCRIPTER: ASK MQ11A ONWARDS ONLY IF 1 CODED IN MQ12D, ELSE GO TO MQ15A SCRIPTER: FORCE CODE RESPONDE FROM RQ14A MQ11a. Please tell me do you personally have a debit or ATM card? SINGLE CODING Yes 1 No 2 SCRIPTER: ASK MQ11B IF 2 CODED IN MQ11A, ELSE GO TO MQ11E SCRIPTER: FORCE CODE RESPONDE FROM RQ14B MQ11b.Do you use someone else s debit or ATM card? Yes 1 No 2 SCRIPTER: MQ11C TO BE ADMINISTERED ONLY IF 1 CODED IN MQ11B. IF 2 CODED GO TO MQ12F MQ11c. Please tell me whose debit or ATM card do you use most often? SINGLE CODING Family member in the household 1 Family member in a different household 2 Other relative 3 Workmate or business partner 4 Neighbor 5 Others (Please Specify ) 6 SCRIPTER: MQ11E ONWARDS TO BE ADMINISTERED ONLY IF 1 CODED IN MQ11A OR 1 CODED IN MQ11B MQ11e. Please tell me were there any charges that you needed to pay for getting your debit card? SINGLE CODING Yes 01 No 02 SCRIPTER: MQ11F TO BE ADMINISTERED ONLY IF 1 CODED IN MQ11E MQ11f. How much money were you charged for your getting your debit card? SINGLE CODING Less than Rs.10 1 Rs Rs Rs More than Rs MQ11g. What was the reason that you started using debit cards? MULTIPLE CODING It was given to me when I opened a bank account 01 An agent or salesperson convinced me 02 IMRB International 19

20 A person I know who uses debit cards recommended it 03 I saw other people using it and wanted to try it myself 04 I saw posters/billboards/radio/tv advertising that convinced me 05 I find it easy to use 06 It is a more modern way of transacting 07 I get rewards/loyalty points/incentives/discounts for using it 08 I did not like keeping change for transactions 09 It was a faster way of completing transactions 10 I did not feel safe carrying cash or keeping it at home 11 I did not like carrying cash around 12 I wanted to keep track of my transactions 13 It was an easier way to withdraw money 14 I can collect interest on the money in my bank account 15 I wanted to purchase something online 16 I wanted to pay a purchase something at a store 17 I wanted to pay utility bills 18 I wanted to pay a government bill or tax 19 Others (Please Specify ) 20 MQ11h. Please tell me when was the last time you conducted any financial activity using an ATM or debit card? SINGLE CODING Yesterday 1 In the past week 2 In the past month 3 In the past 3 months 4 In the past 6 month 5 In the past year 6 More than a year ago 7 Never 8 SCRIPTER: ASK MQ11I ONLY IF 1/2/3/4 CODED IN MQ11H MQ11i. In the past three months, have you used the debit card or ATM card to (SCRIPTER: INSERT OPTIONS ONE BY ONE)? YES NO Withdraw money at an ATM 1 2 Withdraw money through a business correspondent 1 2 Pay school bills 1 2 Buy mobile top-up / recharge / Pay mobile bill 1 2 Pay medical bills 1 2 Pay utility bills such as electricity, gas, landline, etc. 1 2 Pay government tax or fine 1 2 Pay for goods at a grocery store 1 2 Pay for goods at a clothing shop or any other store 1 2 Pay for goods online 1 2 SCRIPTER: ASK MQ11J FOR ALL OPTIONS CODED YES IN MQ11i IMRB International 20

21 MQ11j. In the past three months, how many times have you used a debit card or ATM card for (SCRIPTER: INSERT OPTIONS FROM MQ11i)? or more Withdraw money at an ATM Withdraw money through a business correspondent Pay school bills Buy mobile top-up / recharge / Pay mobile bill Pay medical bills Pay utility bills such as electricity, gas, landline, etc. Pay government tax or fine Pay for goods at a grocery store Pay for goods at a clothing shop or any other store Pay for goods online SCRIPTER: ASK MQ11J1 FOR ALL OPTIONS CODED YES IN MQ11i MQ11j1. What was the amount that you paid using debit card / ATM card for (SCRIPTER: INSERT OPTION CODEDIN MQ13E)? Withdraw money at an ATM Withdraw money through a business correspondent Pay school bills Buy mobile top-up / recharge / Pay mobile bill Pay medical bills Pay utility bills such as electricity, gas, landline, etc. Pay government tax or fine Pay for goods at a grocery store Pay for goods at a clothing shop or any other store Pay for goods online Transaction Size SCRIPTER: ASK MQ11J1 IF ONLY OPTIONS WITHDRAW MONEY at ATM OR WITHDRAW MONEY THROUGH BC ARE CODED IN MQ11I. IN CASE THESE OPTIONS ARE CODED IN COMBINATION WITH OTHER OPTIONS, WE SHOULD MQ11J1 MQ11j1.Why haven t you used your debit card to make any payments? MULTIPLE CODING I do not know how to do so 01 There are no places to use it close to where I live 02 Using an debit/atm card is difficult 03 Charges for using the debit/atm card are too high 04 No one among my friends or family does so 05 Merchants don t accept it 06 It is not secure 07 It is time consuming to use 08 I never thought about using it 09 Others (Please Specify ) 10 SCRIPTER: ASK MQ11K & MQ11L IF 10 CODED IN MQ11I MQ11k. What did you purchase online? Clothes 1 IMRB International 21

22 Footwear 2 Consumer durables 3 Accessories 4 Others (Please Specify ) 5 MQ11l. Where did you access the means to purchase this online? Using my mobile phone Using someone else s mobile phone Using my laptop/computer Using someone else s laptop At a cybercafé Others (Please Specify ) 6 MQ12a.On a scale of 0 to 10 with 0 being not likely at all and 10 being very likely, how likely are you to recommend the use of debit or ATM cards to a colleague, family member or friend? Code 0 Not likely at all Very Likely 11 SCRIPTER: ASK MQ12B IF 7/8/9/10 CODED IN MQ12A MQ12b I have with me a few reasons that people like you have mentioned for recommending use of Debit or ATM cards. What are your reasons for recommending use of Debit or ATM cards? MULTIPLE CODING Code It can be used anywhere 01 It is a more modern way of transacting 02 I get rewards/loyalty points/incentives/discounts for using it 03 You don t need to keep change for transactions 04 It was a faster way of completing transactions 05 It is a safer way to carry cash 06 It is easier to carry around 07 It makes it easier to track spending 08 It is low cost 09 It was an easier way to withdraw money 10 I can collect interest on the money in my bank account 11 IMRB International 22

23 It makes it easier to purchase something online 12 It makes it easier to purchase things in store 13 It makes it easier to pay utility bills 14 It makes it easier to pay a government bill or tax 15 It can be used in emergencies 16 Can be used for impulse/unplanned purchases 17 The company/agents provide good service 18 Others (Please Specify ) 19 SCRIPTER: ASK MQ12C IF 0/1/2/3/4/5/6/7/8 CODED IN MQ12A MQ12c. What are the ways in which your experience with debit cards can be improved? MULTIPLE CODING Code Install more ATMs 01 Make more merchants / shops in my neighbourhood to accept card 02 Make it easier to deposit money into my account 03 Make it easier to learn and understand 04 Make it lower cost 05 Make it more secure 06 Make it faster to use 07 Provide more attractive rewards 08 Reduce the number of failed transactions 09 Make it easier to track spending 10 Company/agents could provide better service 11 Reduce cost of registration process 12 Simplify registration process 13 It s too easy to use so I waste money 14 Others (Please Specify ) 15 SCIRPTER: ASK MQ12E MQ12I ONLY IF 2 CODED IN MQ11A AND 2 IN MQ11B MQ12e.I have with me a few reasons that people like you have mentioned for not owning a Debit or ATM card. What is are the key reasons for you to not own a debit card? Code I do not know what it is 01 I do not know how to get one 02 I do not have the required documents 03 There are no places to use it close to where I live 04 I do not have money 05 I do not need one, I do not make any transactions 06 Registration paperwork is too complicated 07 Registration fees are too high 08 Using an debit/atm card is difficult 09 Fees for using the debit/atm card are too high 10 Do not have money to pay for transaction fees with such an account 11 No one among my friends or family has a Debit card /ATM 12 I do not understand the purpose of a Debit card/atm, I do not know what I can 13 use it for The agents are not reliable 14 Banks are not reliable 15 Bank did not provide a card 16 IMRB International 23

24 Merchants don t accept it 17 It is not secure 18 It is time consuming to use 19 I never thought about using it 20 I would prefer to have my money close to me 21 Don t know how to use it / It is difficult to learn 22 Others (Please Specify ) 23 SCIRPTER: ASK MQ12F ONLY IF 2 CODED IN MQ11A & 2 IN MQ11B MQ12f. How much do you agree or disagree with the statement I am interested in getting a debit card Code Strongly disagree 1 Disagree somewhat 2 Neither agree nor disagree 3 Agree somewhat 4 Agree fully 5 SCRIPTER: ASK MQ12G ONLY IF 3/4/5 CODED IN MQ12F MQ12g. What are the reasons that is driving your interest in an ATM/Debit Card? MULTIPLE CODING It was given to me when I opened a bank account 1 It was recommended to me by an agent or salesperson 2 A person I know who uses debit cards recommended it 3 I have seen other people using it and want to try it myself 4 I have seen posters/billboards/radio/tv advertising that convinced me 5 It is a more modern way of transacting 6 I get rewards/loyalty points/incentives/discounts for using it 7 You don t need to keep change for transactions 8 It is a faster way of completing transactions 9 It is a safer way to carry cash 10 It is easier to carry around 11 It makes it easier to track spending 12 It is low cost 13 It can be used in emergencies 14 Can be used for impulse/unplanned purchases 15 It is an easier way to withdraw money 16 I can collect interest on the money in my bank account 17 It makes it easier to purchase something online 18 It makes it easier to purchase things in store 19 It makes it easier to pay utility bills 20 It makes it easier to pay a government bill or tax 21 Others (Please Specify ) 22 Code Code It was given to me when I opened a bank account 1 It was recommended to me by an agent or salesperson 2 A person I know who uses debit cards recommended it 3 I have seen other people using it and want to try it myself 4 I have seen posters/billboards/radio/tv advertising that convinced me 5 IMRB International 24

25 It is a more modern way of transacting 6 I get rewards/loyalty points/incentives/discounts for using it 7 You don t need to keep change for transactions 8 It is a faster way of completing transactions 9 It is a safer way to carry cash 10 It is easier to carry around 11 It makes it easier to track spending 12 It is low cost 13 It can be used in emergencies 14 Can be used for impulse/unplanned purchases 15 It is an easier way to withdraw money 16 I can collect interest on the money in my bank account 17 It makes it easier to purchase something online 18 It makes it easier to purchase things in store 19 It makes it easier to pay utility bills 20 It makes it easier to pay a government bill or tax 21 Others (Please Specify ) 22 SCRIPTER: ASK MQ12H ONLY IF 1/2/3 CODED IN MQ12F MQ12h.What are the reasons adversely affecting your interest in ATM / Debit Cards? MULTIPLE CODING POSSIBLE I do not know what it is 01 I do not know how to get one 02 I do not have the required documents 03 I do not have money 04 I never thought about using it 05 I do not own or have access to a bank account 06 I don t know how to use it / It is difficult to learn 07 I do not know anybody who has one 08 My relatives do not approve of me having a debit card 09 It is against my religion 10 There are not enough ATMs nearby 11 There are no stores nearby where I could use it 12 My bank did not provide me with a card 13 I do not understand the purpose of a Debit card/atm, I do not know what I can use it for 14 Fees for using the debit/atm card are too high 15 I do not need one 16 It is expensive 17 It is not safe 18 It is time consuming to use 19 I would prefer to have my money close to me 20 Transactions often fail 21 I do not trust banks 22 I do not like interacting with banks 23 Registration paperwork is too complicated 24 Registration fees are too high 25 It is difficult to use 26 It s too easy to use so I will waste money 27 IMRB International 25

26 Others (Please Specify ) 28 SCRIPTER: ASK MQ12I IF 3/4/5 CODED IN MQ12F MQ12i. Please have a look at these options and rank the top three things you would use ATM & Debit card services for, if they were available to you? TAKE TOP 3 RANKS RANK Withdraw money at an ATM Pay school bills Buy mobile top-up / recharge / Pay mobile bill Pay medical bills Pay utility bills such as electricity, gas, landline, etc. Pay government tax or fine Pay for entertainment Pay for goods at a grocery store Pay for goods at a clothing shop or any other store Pay for goods online MQ15a.Do you know that you can transfer money using mobile money / wallets such as Eko, Airtel Money, M-PESA, State Bank Mobicash, Oxigen, or mrupee or mobile wallets? Yes 1 No 2 SCRIPTER: ASK MQ13A ONWARDS IF 1 CODED IN MQ15A, ELSE GO TO MQ18A MQ13a.Please tell me have you ever used a mobile phone to pay bills or to send or receive money using a service such as Eko, Airtel Money, Aircel money, Citi mobile, M-PESA, State Bank Mobicash, Oxigen, or mrupee? SINGLE CODING Yes 1 No 2 SCRIPTER: ASK MQ13B ONWARDS ONLY IF 1 CODED IN MQ13A, ELSE GO TO MQ15C SCRIPTER: CURRENTLY IF I HAVE SELECTED YES OR NO IN OTHERS BY MISTAKE, I AM NOT ABLE TO REMOVE IT. DO NOT MAKE OTHERS MANDATORY AND ALLOW TO DE-SELECT IF WRONGLY SELECTED MQ13b.Please tell me which mobile payment service have you used in the past? YES NO Aircel Money Airtel Money Beam Money Citi Mobile Eko Fino Idea MyCash M-Pesa Oxigen Union bank money Alpha money Others (Please Specify ) IMRB International 26

27 MQ13c. Please tell me when was the last time you used mobile payment systems for any financial activity? Yesterday 1 In the past week 2 In the past month 3 In the past 3 months 4 In the past 6 month 5 In the past year 6 More than a year ago 7 Never 8 MQ13d.Which of these channels have you ever used to top up your mobile money / wallet account? Mobile 1 Retailer 2 Online 3 Others (Please Specify ) 4 SCRIPTER: ASK ONLY IF 1/2/3/4 IN MQ13C MQ13e.Please tell me which of the following have you ever done (SCRIPTER: INSERT OPTIONS ONE BY ONE) using any mobile money / wallets services in the past three months? Yes No Deposit money 1 2 Withdraw money 1 2 Pay school bills 1 2 Buy mobile top-up / recharge / Pay mobile bills 1 2 Pay medical bills 1 2 Pay utility bills such as electricity, gas, landline, etc. 1 2 Pay government tax or fine 1 2 Send money to a friend / relative 1 2 Receive money from a friend / relative 1 2 Receive government benefits 1 2 Receive wages for primary jobs 1 2 Pay for large acquisitions, including cattle, land, residence 1 2 Pay for goods at a grocery store 1 2 Pay for goods at a clothing shop or any store 1 2 Pay for goods online 1 2 SCRIPTER: ASK MQ13F FOR ALL OPTIONS CODED YES IN MQ13E MQ13f. In the last three months, how many times have you used mobile money / wallet services to (SCRIPTER: INSERT OPTION CODED IN MQ13E) Frequency Deposit money Withdraw money Pay school bills Buy mobile top-up / recharge / Pay mobile bills Pay medical bills Pay utility bills such as electricity, gas, landline, etc. Pay government tax or fine IMRB International 27

28 Send money to a friend / relative Receive money from a friend / relative Receive government benefits Receive wages for primary jobs Pay for large acquisitions, including cattle, land, residence Pay for goods at a grocery store Pay for goods at a clothing shop or any store Pay for goods online SCRIPTER: ASK MQ13G FOR ALL OPTIONS CODED YES IN MQ13E MQ13g. What was the amount that you paid using mobile money / wallet services to (SCRIPTER: INSERT OPTION CODEDIN MQ13E)? Transaction Size Deposit money Withdraw money Pay school bills Buy mobile top-up / recharge / Pay mobile bills Pay medical bills Pay utility bills such as electricity, gas, landline, etc. Pay government tax or fine Send money to a friend / relative Receive money from a friend / relative Receive government benefits Receive wages for primary jobs Pay for large acquisitions, including cattle, land, residence Pay for goods at a grocery store Pay for goods at a clothing shop or any store Pay for goods online SCRIPTER: ASK MQ13H & MQ13I IF PAY FOR GOODS ONLINE CODED IN MQ13E MQ13h. What did you purchase online? Clothes 1 Footwear 2 Consumer durables 3 Accessories 4 Others (Please Specify ) 5 MQ13i. Where did you access the means to purchase this online? Using my mobile phone 1 Using someone else s mobile phone 2 Using my laptop/computer 3 Using someone else s laptop 4 At a cybercafé 5 Others (Please Specify ) 6 MQ14a.Why did you start using mobile money / wallets? MULTIPLE CODING POSSIBLE IMRB International 28

29 An agent or salesperson convinced me 01 I saw posters/billboards/radio/tv advertising that convinced me 02 A person I know who uses mobile money recommended it 03 I saw other people using it and wanted to try it myself 04 It was opened for me by a friend/relative 05 I find it easy to use 06 I got a discount on airtime 07 I wanted a safe place to store my money 08 I got a promotional amount of money to spend if I start using m-money 09 It can be used in emergencies 10 It can be used for impulse/unplanned purchases 11 I did not like finding change for transactions 12 It was a faster way of completing transactions 13 I did not feel safe carrying cash or keeping it at home 14 I did not like carrying cash around 15 I wanted to keep track of my transactions 16 I had to send money to another person 17 I had to receive money from another person 18 I had to send money to an organization/government agency (pension/unemployment payment) 19 I had to receive money from an organization/government agency (pension/unemployment payment) 20 I wanted to use it for mobile top-ups 21 I wanted to purchase something online 22 I wanted to pay utility bills 23 I wanted to start saving money with an m-wallet 25 It is a more modern way of transacting 26 Others (Please Specify ) 27 MQ14b.How much did you pay to register for mobile money / wallet services? SINGLE CODING Nothing 01 Rs Rs Rs Rs Rs Rs Rs Rs More than Rs MQ14c. What are the approximate costs that you pay as fees for using mobile money / wallet services per month? SINGLE CODING Nothing 01 Rs Rs Rs IMRB International 29

30 Rs Rs Rs Rs Rs More than Rs MQ14d.On a scale of 0 to 10 with 0 being not likely at all and 10 being very likely, how likely are you to recommend this service to a friend, relative or colleague? SINGLE CODING Code 0 Not likely at all Very Likely 11 SCRIPTER: MQ14E & MQ14F TO BE ADMINISTERED ONLY IF 7/8/9/10 CODED IN MQ14D MQ14e.I have with me a few reasons that people like you have mentioned for recommending mobile payment services. What is are your key reasons for recommending this service? MULTIPLE CODING POSSIBLE It can be used anywhere 1 I got a discount on airtime 2 It is a safe place to store my money 3 I got a promotional amount of money to spend if I start using m-money 4 It is a more modern way of transacting 5 You don t need to keep change for transactions 6 It was a faster way of completing transactions 7 It is a safer way to carry cash 8 It is easier to carry around than cash 9 It makes it easier to track spending 10 It is low cost 11 I had to send money to another person 12 I had to receive money from another person 13 I had to send money to an organization/government agency (pension/unemployment payment) 14 I had to receive money from an organization/government agency (pension/unemployment payment) 15 It makes it easier to purchase something online 16 It makes it easier to purchase things in store 17 It makes it easier to pay utility bills 18 It makes it easier to pay a government bill or tax 19 I makes it easier to do mobile top-ups 20 IMRB International 30

31 It can be used in emergencies 21 It can be used for impulse/unplanned purchases 22 The company/agents provide good service 23 The mobile application is easy to use 24 The online application is easy to use 25 Others (Please Specify ) 26 SCRIPTER: MQ14F TO BE ADMINISTERED ONLY IF 0/1/2/3/4/5/6/7/8 CODED IN MQ14D MQ14f. What are the ways in which your experience with your mobile payment services could be improved? Code Make more merchants / shops in my neighbourhood to accept mobile money 01 Provide more agents / cash-in locations near me 02 Make it easier to learn and understand 03 Make it lower cost 04 Make it more secure 05 Make it faster to use 06 Provide more attractive rewards 07 Reduce the number of failed transactions 08 Make it easier to track spending 09 Allow my money to earn interest 10 Improve the usability of mobile application 11 Improve the usability of online application 12 Improve service provided by company / agents 13 Reduce cost of registration process 14 Simplify registration process 15 Remove limits on monthly spend with mobile money 16 It s too easy to use so I waste money 17 Others (Please Specify ) 14 SCRIPTER: ASK MQ15C MQ15F IF 1 CODED IN MQ15A AND 2 CODED IN MQ13A MQ15c. How much do you agree or disagree with the statement I am interested in being able to pay for goods and services using mobile money / wallets Strongly disagree 1 Disagree somewhat 2 Neither agree nor disagree 3 Agree somewhat 4 Agree fully 5 SCRIPTER: ASK MQ15D ONLY IF 3/4/5 CODED IN MQ15C MQ15d.What are the reasons driving your interest in making payments through mobile money / wallets? MULTIPLE CODING POSSIBLE It was given to me when I opened a bank account 1 It was recommended to me by an agent or salesperson 2 A person I know who uses mobile money recommended it 3 I have seen other people using it and want to try it myself 4 I have seen posters/billboards/radio/tv advertising that convinced me 5 I got a discount on airtime 6 IMRB International 31 Code

32 It is a safe place to store my money 7 I got a promotional amount of money to spend if I start using m-money 8 It can be used in emergencies 9 It can be used for impulse/unplanned purchases 10 It is a more modern way of transacting 11 You don t need to keep change for transactions 12 It was a faster way of completing transactions 13 It is a safer way to carry cash 14 It is easier to carry around than cash 15 It makes it easier to track spending 16 It is low cost 17 I had to send money to another person 18 I had to receive money from another person 19 I had to send money to an organization/government agency (pension/unemployment payment) 20 I had to receive money from an organization/government agency (pension/unemployment payment) 21 It makes it easier to purchase something online 22 It makes it easier to purchase things in store 23 It makes it easier to pay utility bills 24 It makes it easier to pay a government bill or tax 25 Makes it easier to do mobile top-ups 26 The mobile application is easy to use 27 The online application is easy to use 28 Others (Please Specify ) 29 SCRIPTER: ASK MQ15E ONLY IF 1/2/3 CODED IN MQ15C MULTIPLE CODING MQ15e.What are the reasons that is adversely affecting your interest in making payments through mobile money / wallets? 1ST REASON I do not know what it is 01 I do not have a mobile phone 02 I do not have a smart phone 03 I do not know how to get the service 04 I do not have the required documents 05 I do not have money 06 I never thought about using it 07 Don t know how to use it / It is difficult to learn 08 I do not know anybody who uses mobile money 09 My relatives do not approve of me having a mobile money/wallet account 10 It is against my religion 11 There is no agent close to where I live 12 There are no stores nearby where I could use it 13 Fees for using this service are too high 14 I do not understand the purpose of mobile money, I do not know what I can use it for 15 Using such an account is difficult 16 I do not trust that my money is safe on a mobile money account 17 It is expensive 18 It is time consuming to use 19 I would prefer to have my money close to me 20 IMRB International 32

33 I do not need it 21 You don t earn money on interest 22 I do not trust the agents / the agents are not reliable 23 I do not use it because all agents are men 24 Registration paperwork is too complicated 25 Registration fee is too high 26 Transactions often fail 27 It s too easy to use so I will waste money 28 Others (please Specify ) 29 SCRIPTER: ASK MQ15F ONLY IF 3/4/5 CODED IN MQ15C MQ15f. Please rank the top three things you would use mobile money / wallets for? Deposit money Withdraw money Pay school bills Buy mobile top-up / recharge / Pay mobile bills Pay medical bills Pay utility bills such as electricity, gas, landline, etc. Pay government tax or fine Send money to a friend / relative Receive money from a friend / relative Receive government benefits Receive wages for primary jobs Pay for goods at a grocery store Pay for goods at a clothing shop or any store Pay for goods online RANKS SCRIPTER: IF CODED 2 IN MQ7A AND 2 CODED IN MQ8A, THEN DO NOT ASK SECTION 5 AT ALL, MOVE TO SECTION 6ON 5: USE BANK TRANSFERS MQ18a.Do you know that you can transfer money and make payments from your bank account using your phone or online? Yes 1 No 2 SCRIPTER: ASK MQ16A IF 1 CODED IN MQ18A, ELSE GO TO MQ12A1 MQ16a.Please tell me have you ever transferred money from your bank account using a mobile phone or online? SINGLE CODING Yes 1 No 2 SCRIPTER: ASK MQ16B ONWARDS IF 1 CODED IN MQ16A, ELSE GO TO MQ18B SCRIPTER: CURRENTLY IF I HAVE SELECTED YES OR NO IN OTHERS BY MISTAKE, I AM NOT ABLE TO REMOVE IT. DO NOT MAKE OTHERS MANDATORY AND ALLOW TO DE-SELECT IF WRONGLY SELECTED MQ16b.Please tell me which of the following bank transfer mechanisms have you ever used? YES NO IMRB International 33