india financial inclusion insights survey … · 2 days ago · 7. data quality control ... and on...

INDIA FINANCIAL INCLUSION

INSIGHTS SURVEY

Technical Report

WAVE FOUR 2016

May 2017

2

Contents

1. Background Information ...................................................................................................................... 3

2. Sample Design ......................................................................................................................................... 3

a. Sampling frame ...................................................................................................................................... 3

b. Sample allocation and selection ........................................................................................................... 4

c. Sampling weights ................................................................................................................................... 6

3. Questionnaire .......................................................................................................................................... 7

4. Recruitment and Field Staff Training .............................................................................................. 7

5. Fieldwork .................................................................................................................................................. 8

6. Substitution .............................................................................................................................................. 8

7. Data Quality Control Measures .......................................................................................................... 8

a. Pre-field quality control ........................................................................................................................ 8

b. In-field quality control .......................................................................................................................... 9

8. Data Processing ...................................................................................................................................... 9

9. Annex: Random Walks ................................................................. Error! Bookmark not defined.

10. Survey Questionnaire ............................................................................................................................ 9

3

1. Background Information

InterMedia conducted a nationally representative survey in India to explore the uptake and usage of

digital financial services (DFS) among the adult population (ages 15 and over). This Financial

Inclusion Insights (FII) survey is the fourth in a series of surveys InterMedia uses to track the role

DFS play in money transfers, payments, and savings among various consumer segments. The survey

will provide actionable insights for a range of stakeholders involved in the DFS sector.

The survey specifically aims to:

Measure adoption and use of DFS among specific target groups (e.g., poor, rural and unbanked);

Evaluate service performance among DFS agents and customers;

Produce consumer insight to support product and service development and delivery;

Identify drivers and barriers to further adoption of DFS, and;

Collect data enabling forward projections and insight that will generate market growth.

2. Sample Design

a. Sampling frame

The target sample size for the 2016 India FII survey was 45,000 adults aged 15 and over residing in

households. All states in India were covered with the exception of Jumma and Kashmir. Moreover,

Assam was treated as a separate state and the other seven North-Eastern states were grouped together.

The sample was designed to produce reliable estimates for the main indicators for the country as a

whole, and for urban and rural areas separately.

The sampling frame was the list of towns and villages in each state and was obtained from the 2011

census file. Each town and village is respectively divided into five town classes and three village classes

according to their population size as follows:

Town Class 1: More than 4 million population

Town Class 2: 1 to 4 million population

Town Class 3: 0.1 to 1 million population

Town Class 4: 0.05 to 0.1 million population

Town Class 5: Less than 0.05 million population

Village Class 1: More than 3000 population

Village Class 2: Between 1000 & 3000 population

Village Class 3: Less than 1000 population

4

b. Sample allocation and selection

The sample size was allocated to states proportionally to their population size, and then further

allocated within the state to urban and rural in proportion to their size except in Bihar and Uttar

Pradesh. In each of these two states, urban areas were oversampled and assigned 67 percent of the

state sample. The sample for the 2016 India FII survey was a stratified multistage sample, with a

stratum corresponding to the urban town class or rural village class of a state. The sample was selected

independently in each stratum. In the first stage, towns and villages were selected as primary sampling

units with probability proportional to population size. In total, 164 towns and 886 villages were

selected in the first stage of sampling. In the second stage, households were selected using the random

walk methodology.

In urban town classes, the latest electoral rolls were used to select starting points. Given five

interviews were to be done per starting point, the total number of starting points in any given town

class was derived based on the total number of interviews allocated to the town class. Starting points

were then selected using the systematic selection procedure. Following the selection of a starting point,

households were selected using a fixed interval of 5 in Town Classes 1 to 4, and an interval of 3 in

Town Class 5.

In rural areas, a location map showing the hamlets in the village was prepared with assistance from

local authorities. The population size of each hamlet was also estimated during that process. The

sample size allocated to the village was then distributed to hamlets in the village according to their

population size. The most popular landmark in each hamlet was selected as the starting point. The

household selection interval was set 3 except in villages with less than 100 households, where every

other household was sampled.

In the third and final stage, one adult household member was randomly selected in each sampled

household using the Kish grid and was administered the survey questionnaire.

5

Table 1. Sample allocation by state

Zone States

Population Planned Sample Size

Achieved Sample Size (Age 15+)

North

Delhi 12,205,920 500 510

Haryana 17,789,974 795 828

Himachal Pradesh 5,079,054 305 309

Punjab 21,405,458 1,175 1,176

Uttar Pradesh 126,882,013 7,330 7,442

Uttarakhand 6,879,636 405 406

North Total 190,242,055 10,510 10,671

East

Assam 20,937,853 1,220 1,161

Bihar 61,974,762 3,645 3,704

Jharkhand 20,980,282 1,175 1,181

North East Cluster 9,603,570 490 492

Odisha 29,778,625 1,690 1,721

West Bengal 66,426,189 3,440 3,445

East Total 209,701,281 11,660 11,704

West

Chhattisgarh 17,338,247 1,030 1,012

Goa 1,373,815 130 130

Gujarat 42,943,141 2,140 2,177

Maharashtra 82,049,422 4,290 4,351

Madhya Pradesh 48,241,705 2,650 2,686

Rajasthan 44,553,409 2,540 2,618

West Total 236,499,739 12,780 12,974

South

Andhra Pradesh 62,018,554 3,560 3,550

Karnataka 45,024,572 2,295 2,376

Kerala 25,540,601 1,345 1,350

Tamil Nadu 56,021,182 2,870 2,915

South Total 188,604,909 10,070 10,191

Total 825,047,984 45,020 45,540

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Table 2. Sample allocation by urban-rural

Town and Village Class Planned Sample

Size Achieved

Sample Size

Urban

Town class 1 2,000 2,030

Town class 2 2,250 2,257

Town class 3 4,410 4,522

Town class 4V 1,540 1,588

Town class 5 3,550 3,572

Urban Total 13,750 13,969

Rural

Village class 1 13,275 13,432



Rural Total 31,270 31,571

Total 45,020 45,540

c. Sampling weights

The sample for the 2016 FII India survey is not self-weighting; therefore, sampling weights were

calculated. Weights were based on population data by age, urban-rural residence, and gender. The

weights were normalized at the national level so the weighted number of cases equals the total sample

size. The normalized sampling weights were attached to the data file and used during analysis.

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3. Questionnaire

The survey questionnaire was developed in consultation with the Financial Services for the Poor program at the Bill & Melinda Gates Foundation. It draws on the questionnaire used in previous

FII surveys. The modules and topics in each module are shown in table 3.

Table 3. Questionnaire content by module

Demographics Mobile technology

Financial institutions/ banks

Mobile money

Nonbank financial institution

Financial literacy

Financial behaviors Literacy Gender

General characteristics Access Access Awareness Awareness

Budget planning

Borrowing/credit

Livelihood Ownership Ownership Access Access Numeracy Savings

Migration SIM cards Digital inclusion Ownership Ownership Literacy Insurance

Poverty measures

Mobile phone use

Bank account use

Use and nonuse

Distance and reach Investment

Over the counter use

Savings and loan groups

Experience with agent

Other products

The questionnaire was translated into Hindi, Telugu, Tamil, Oriya, Manipuri, Malayalam, Mahrati,

Kannada, Gujarati, Bengali and Assamese, and then pretested. After the questionnaire was pretested,

debriefing sessions were held with the pretest field staff and the questionnaire was modified based on

the observations from the pretest. The finalized questionnaire was used to develop a script for data

collection on tablets. The script was thoroughly tested and validated before it was used in the field.

4. Recruitment and Field Staff Training

Recruitment of the field staff was based on education level (at least standard 10th level), experience in previous FII surveys, and language skills. For purposes of ensuring gender balance and sensitivity, both male and female interviewers were recruited.

Training was conducted in two stages. A centralized training of 16 field controllers (FCs) was

conducted in New Delhi on 9-10 August 2016. This was followed by local training sessions of

interviewer teams conducted by the 16 trained FCs on 3-23 September 2016.

Training had two main components: classroom sessions and field practice (also called pilot). The

classroom sessions followed the training manual developed by InterMedia. These sessions covered

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the survey objectives, sampling methodology, fieldwork procedures, data quality control, guidelines

on questionnaire administration and a detailed study of the questionnaire. Following the review of

the questionnaire on paper, the training covered the use of tablets for data collection including the

general operation of the devices, and the administration of the scripted questionnaire. Classroom

sessions also included role plays where one interviewer acted as a respondent and another asked

questions while the rest of the teams observed. The teams also conducted mock interviews in small

groups.

5. Fieldwork

Fieldwork was launched immediately at the end of training and ran from 8 September 2016 to 2

January 2017. Data collection was carried out by 148 teams with each team consisting of three

interviewers and one supervisor. Each interviewer completed two to three interviews per day.

The following five consent forms were obtained during fieldwork:

Consent form for the first contact person in the household;

Consent form for the respondent selected in the household for the interview;

Parent/guardian consent form for all selected respondents between the ages of 15 and 17;

Consent form allowing the use of photography for all selected respondents; and

Informed consent form for the selected respondent to participate in a separate follow-up

study.

6. Substitution

During fieldwork, 37 originally sampled towns/villages were replaced for the following reasons:

migration of households from the villages for security reasons; hostility of the community; lack of

security; floods; local municipal elections; demonetization; and refusals to participate in the survey.

Selected households were generally responsive and willing to participate in the survey. However, a few

households were replaced after three call backs.

7. Data Quality Control Measures

A range of quality control measures was employed before, during and after data collection.

a. Pre-field quality control

Before fieldwork started, emphasis was put on recruiting and training the best interviewers and

supervisors, and on designing the relevant and right survey tools (interviewer and supervisor manual,

and field control forms). In addition to field supervisors, InterMedia recruited an independent local

9

quality control (QC) team who reported directly to InterMedia. This QC team attended the same

training offered to interviewers and supervisors, and traveled across the country to conduct frequent

and unannounced random checks of field interviewers and supervisors. This team also played the

same roles as field supervisors, and, therefore, provided an additional layer of fieldwork monitoring.

b. In-field quality control

The fieldwork quality control procedures included the following activities:

Direct observation: Eight percent of all interviews were directly observed by supervisors or

the QC team in full or at least partially. The purpose of observation was to evaluate and

improve interviewer performance and to look for errors and misconceptions that could not

be detected through reviews of completed interviews.

Spot-checks: Twenty-one percent of all interviews were subject to an in-person random spot-

check by a supervisor or QC team member.

Call backs (return visits): High nonresponse rates bias survey results. To minimize

nonresponse rates at both household and individual levels, the field procedure included three

return visits to maximize the participation of selected eligible respondents. Therefore, a total

number of four visits were planned for each selected respondent.

Field control forms: The interviewers’ work was monitored and evaluated by keeping an

accurate record of assignments and the status of interviews. Both interviewers and supervisors

had field control forms to maintain.

Regular interim data review: With the use of digital data collection, InterMedia frequently

received and reviewed interim data from the field. As a result, the quality of the data being

collected was closely monitored and InterMedia provided real-time feedback to the field teams

while they were still on the ground. These regular reviews helped minimize data errors and

thus improved data quality.

8. Data Processing

Daily data monitoring was done to check the quality of the data, and to confirm receipt of completed interviews on the cloud servers, and field updates from the supervisors. The data was checked for accuracy and outliers. Inconsistencies found in the data were communicated to the field teams and resolved through call backs with respondents. Interim datasets were regularly received from the field for review. The structure of the dataset was aligned with the codebook prepared by InterMedia. A cleaned, fully labelled final SPSS dataset was produced.

9. Survey Questionnaire

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PROJECT: BHARAT EK KHOJ 4

Questionnaire

GPS

LOCATI

ON

LATTITU

DE

NORT

H

.

GPS

LONGITU

DE EAST

.

DEGREES

Range for NORTH – 15 to 22

Range for EAST – 72 to 81

MINUTES DECIMAL

STARTING ADDRESS

NUMBER

TOWNS/VILLAGES

Serial no. (Respondent ID) 3 4

ZONE

North East West South

STATE MAHARASHTRA 3 4

1 2 3 4

TOWN

CLASS

TOWN CLASS 1 1 TOWN CLASS

4 4

VILLAGE

CLASS

VILLAGE CLASS 1 6

TOWN CLASS 2 2 TOWN CLASS

5 5

VILLAGE CLASS 2 7

TOWN CLASS 3 3 VILLAGE CLASS 3 8

11

TOWN

SELECTION

ORIGINAL 1

REPLACEMENT 1 2

REPLACEMENT 2 3

REPLACEMENT 3 4

DATE TIME

D D M M H H M M

1ST

CONTACT

CALL BACK

STATUS

1ST CALL

BACK

2nd CALL

BCK

3RD CALL

BACK

RESPONDENT

NAME :

ADDRESS :

TOWN/Village :

Tehsil/BLOCK :

District :

PIN CODE :

Respondent Mobile

No :

Date of Interview : 2 0 1 5

ACCOMPANIED BACK CHECKED SCRUTINIZED

P

T

12

TL 1

TL 1 5

TL 1

Client Spot

Check

EIC 2 EIC 2 6 EIC 2 Yes 1

OFE 3 OFE 3 7 OFE 3 No 2

FM 4 FM 4 8 FM 4

ACQA 5 ACQA 9 10 ACQA 5

Signature: TL/EIC/OFE/FM Signature:

TL/EIC/OFE/FM

Signature:

TL/EIC/OFE/FM

Name &

Signature

Section AB Interview Information: Interviewer: Complete section

Interviewer Name

I3. Interviewer Code

I3a. Interviewer Gender Male 1 Female 2

Supervisor Name

I4.Supervisor Code

I6. Date of Interview

2 0 1 5

D D M M Y Y Y Y

I5. Day of interview

Monday 1

Tuesday 2

Wednesday 3

Thursday 4

Friday 5

Saturday 6

Sunday 7

13

I7.Interview Start Time (24

Hr Clock)

I8.Interview End Time (24

Hr Clock)

I9. Interview Length

(Minutes)

H H M M H H M M M M M

INTRODUCTIONGood______ or Namaste! I am_____ (MENTION YOUR NAME) from IMRB International, a

leading market research organization. Before starting this interview, I wish to confirm that this interview complies with

the Market Research Society of India (MRSI) and International code of ethics for market research. Please be assured that

all information given by you will be kept strictly confidential and not revealed to our client with your name/contact details

without your prior permission. The response collected will be added together with the responses of others before

presenting the findings. Under no circumstance will this information be used for sales or any commercial

purpose. Do you have any queries before I start the interview? For further clarification, you may also contact my senior

at IMRB International at any point during this interview.

We are conducting a research study for a client in private sector. We will be conducting the research to understand your

usage of mobile phones and financial habits. This will include information on mobile services and brands used as well

as your saving and monetary transactions. This information will help the service providers to improve on the services

they offer.

Definition of household (INTERVIEWER, IF TWO OF THE THREE CHARACTERISTICS ARE TRUE

CONSIDER IT A

HOUSEHOLD): All those who (1) share the same kitchen, (2) share the same roof or (3) have a common

decision maker

Definition of adult: All those aged 15 and above

Yes CONTINUE

No CLOSE & THANK – Record as Refused in Contact Sheet and follow substitution

process [say where this will be available, e.g. in Section X of the Interviewer Guide]

First, I need to decide who to interview from this household. Can you give me the names and ages of all members aged

15 and above who live in this household? Please tell me one by one and start from the oldest.

Now please let me know if any of the household members is

Too old that he/she cannot speak - Code as No in Eligible for Interview

Is mentally/physically disabled - Code as No in Eligible for Interview

14

KISH GRID FOR LISTING ALL HOUSEHOLD MEMBERS

Thanks!

Names of members in the household Age of the

members of

the household

Eligible for

interview (Yes or

No)

Notes

INTERVIEWER: PUT AN

EXPLANATION WHY A

PERSON IS NOT

ELIGIBLE FOR AN

INTERVIEW

1 Yes No

2 Yes No

3 Yes No

4 Yes No

5 Yes No

6 Yes No

7 Yes No

8 Yes No

9 Yes No

10 Yes No

15

USING THE KISH GRID

1. List all household members who have been coded YES for “Eligible for Interview” 2. Take the last figure of the questionnaire number and find the same number in the top line of the Kish Grid below 3. Look down that column and read off the number opposite the total number of adults in the household. That

number is the key to the member of the household who should be interviewed. 4. Refer back to the list of male / female family members and ask to speak to the person whose number is the same

as the one you have taken out of the Kish Grid.

Last digit on questionnaire number

Names of members in

the household

Age (in

years)

New

Serial

number

1 2 3 4 5 6 7 8 9 0

1 1 1 1 1 1 1 1 1 1

2 1 2 1 2 1 2 1 2 1

1 2 3 1 2 3 1 2 3 1

1 2 3 4 1 2 3 4 1 2

4 5 1 2 3 4 5 1 2 3

4 5 6 1 2 3 4 5 6 1

3 4 5 6 7 1 2 3 4 5

3 4 5 6 7 8 1 2 3 4

2 3 4 5 6 7 8 9 1 2

1 2 3 4 5 6 7 8 9 10

16

INTERVIEWER: [AFTER THE RESPONDENT HAS BEEN SELECTED, ASK IF THEY ARE IN THE

HOUSEHOLD, IF THE PERSON SELECTED IS WITHIN THE HOUSEHOLD, ASK TO SPEAK TO

THEM] OTHERWISE REFER TO THE SUBSTITUTION PROCESS INTHE INTERVIEWER GUIDE

RECORD NAME OF SELECTED RESPONDENT BELOW:

NAME:

INTERVIEWER: IF SELECTED RESPONDENT IS ABOVE 15YRS BUT BELOW 18YRS OF AGE, GET

PERMISSION FROM THE PARENT/ GUARDIAN BEFORE BEGINNING THE INTERVIEW. USE

THE CONSENT FORM BELOW.

IF RESPONDENT IS 18 YEARS OR ABOVE, THEN GO TO SECTION 1: DEMOGRAPHICS

Parent/guardian Consent Form (for those aged 15 or over but under 18)

IMRB 24th June, 2015 Dear Sir/ Madam,

RE: DFS TRACKER | Survey on mobile phones and other services that people use Thank you for agreeing to have your daughter/ son take part in this survey on mobile phones and other services that people use/ Please note that your daughter/ son is NOT allowed to take part in the survey if we do not have your consent in the form of a signature below. Please do sign belowV

I have read and understood the entire document (which has further been explained to me) and have agreed to have my daughter/ son participate in the research conducted by IMRB.

Refused Consent

1 Thank & Close

Granted Consent

2 Complete Signature Section Below

Name................................................................................... Relation to Minor................................................................. Signature.............................................................................. Date......................................................................................

17

SECTION I: DEMOGRAPHICS

Subsection 1.1: General Demographic Characteristics

Age

ASK ALL

DG1. What year were you born?”(99 for DK/Refused). RECORD VERBATIM IN SPACE BELOW

Y Y Y Y

Gender

RECORD FOR ALL

DG2.Is the respondent a male or a female? SINGLE CODING ONLY

DO NOT ASK. RECORD AS YOU OBSERVE. SINGLE ANSWER DG2

Male 1

Female 2

Marital status

ASK ALL

DG3. What is your marital status? SINGLE CODING ONLY. DO NOT AID WITH LIST. CODE AS PER RESPONDENT’S

RESPONSE

DO NOT READ. PROBE. SINGLE ANSWER. DG3

Singe/ Not married 1

Polygamously married (i.e., has multiple spouses) 2

Monogamously married 3

Divorced 4

Separated 5

Widow/widower 6

Living together with my partner but not married 7

18

Living together/cohabitating 8

Other (Specify) _______________________________ 96

DK/Refused 99

DG3A. What is your religion?

DO NOT READ. CODE TO FIT. SINGLE ANSWER

Christianity 1

Islam 2

Sikhism 3

Hinduism 4

Buddhism 5

No religion 6

Others ( SPECIFY )

_________________________________________________

96

DK 99

Level of education

ASK ALL

DG4. What is your highest level of education? SINGLE CODING ONLY

DO NOT READ. PROBE.SINGLE ANSWER. DG4

Illiterate- no formal education 01

Literate without formal education ( knows how to read and write but has not formally studied in a school)

02

Below Primary Schooling (Schooling till standard 4th) 03

Primary (Schooling till standard 5th) 04

Middle (Schooling till standard 6th-8th) 05

Matriculation/Secondary (schooling till standard 10th ) 06

19

If you have any queries at all regarding this research, please contact:

Project Coordinator OR Project Manager

Or call the IMRB office Delhi (Tel 011-42697800).

Thank you very much for your help and support.

Yours sincerely Project Manager

Documented/undocumented status

ASK ALL

SHOWSCREEN

DG5. Do you have any of the following types of official identification? SINGLE CODING PER OPTION

READ OUT. Yes No

Aadhaar card/UID 1 2

PAN card 1 2

Passport 1 2

Higher secondary (schooling till standard 12th )/ Intermediate/Pre University/ Senior Secondary

07

Non technical diploma or certificate not equal to degree 08

Technical diploma or certificate not equal to degree 09

Graduate 10

Post Graduate and above 11

Other (Please Specify) _________________________ 96

DK/Refused 99

20

Driver’s license 1 2

School-issued ID / College-issued ID 1 2

Voters card 1 2

Ration card (could be known as Blue card) 1 2

Employee ID (for government/civil servants) 1 2

Military ID 1 2

Bank passbook 1 2

Post office account passbook 1 2

Other (Please Specify) _________________ 96 96

ASK ALL

DG6. How are you related to the household head? SINGLE CODING ONLY

By Head I mean the one who takes all the main decisions in the household

DO NOT READ OUT.

Myself 1

Spouse 2

Son/Daughter 3

Father/Mother 4

Sister/Brother 5

Grandchild 6

Other relative 7

21

Other non-relative 9

Don’t know 99

ASK ALL

DG8. How many members do you have in the household? (99 for DK/Refused) a.) adults (18 years and above) b.) boys (Below18 years) c.) girls (Below18 years)

ASK FOR EACH SUBGROUP IN DG8 WHICH HAS A NUMBER. DG9. How many adults/boys/girls contribute to the household income/earn an income/are working? (99 for DK/Refused) DG10.How many boys and girls have attained the school going age (4 years and above) are in the household?

ASK IF DG10b/DG10c >0. OTHERS SKIP TO DL0

DG11.How many children (boys and girls) are enrolled in a school?

DG8 DG9 DG10 DG11

a.) Number of adults

b.) Number of children (boys)

c.) Number of children (girls)

ASK ONLY IF DG11b>0. OTHERS SKIP TO DG13

SHOWSCREEN

DG12b. What type of school do the children go to? MULTIPLE CODING ONLY

READ OUT. MULTIPLE CODE DG11

Free school – Where you do not need to pay a fee

1

Pay a fee for the school

2

ASK ONLY IF DG11c >0. OTHERS SKIP TO DG13

SHOWSCREEN

DG12c. What type of school do the children go to? MULTIPLE CODING ONLY

READ OUT. MULTIPLE CODE DG11

Free school – Where you do not need to pay a fee

1

22

Pay a fee for the school

2

ASK ONLY IF DG12b=2 OR DG12c=2 .OTHERS SKIP TO DL0

SHOWSCREEN

DG 13. Have you ever experienced the following problems when trying to pay school fees? MULTIPLE CODING ONLY

READ OUT. ACCEPT MULTIPLE ANSWER. DG 12

Lack of funds, could not pay at all 1

Lack of funds, could only pay a portion 2

Bank issues (high fees or long lines) 3

Had to deliver cash but failed because of long distance to school 4

Don’t know the full amount 5

Other ( Please Specify) ____________________________________ 96

Never faced any problem 7

ASK IF DG11 IS LESS THAN DG10 FOR EITHER GIRLS OR BOYS. OTHERS SKIP TO DL0

DG 14 What is the main reason not all school-age children are enrolled in school? SINGLE CODING ONLY

DO NOT READ. CODE TO FIT. SINGLE ANSWER DG 13

We don’t have enough money to pay school fees 1

A child could not pass to the next grade level 2

A child lost interest, does not want to attend 3

A child is sick, physically or mentally disabled 4

A child had to come home to help with household chores, taking care of younger siblings 5

A child needed to help with the household’s farm 6

A child had to go to work and help household to earn income 7

Others ( Please specify) ____________________________________ 96

No particular reason 9

Subsection 1.2: Livelihood

23

Employment status, source of income, occupation

ASK ALL

DL0.Who is the main income earner in your household? SINGLE CODING ONLY

READ OUT. SINGLE ANSWER

Myself

1

Somebody else

2

INSTRUCTION TO THE INTERVIEWER

ASK DL1- DL10 AT THE RESPONDENT LEVEL

SHOWSCREEN

DL1. In the past 12 months, were you mainly…SINGLE CODING ONLY

READ OUT. SINGLE ANSWER. DL1 ACTION

Working full-time for a regular salary 1

ASK DL2

Working part-time for a regular salary 2

Working occasionally, irregular pay 3

Per season (e.g., only during the harvest season) 4

Self-employed, working for yourself 5

Not working but looking for a job 6

SKIP DL2 AND DL

3.

ASK DL4

Housewife or stay-at-home husband, doing household chores 7

Full-time student 8

Not working because of retirement 9

Not working because of sickness, disability, etc. 10

Other (Specify)____________________________ 96

DK/Refused 99

24

ASK ONLY IF ANSWERS 1-5 IN DL1. OTHERS SKIP TO DL4

SHOWSCREEN

DL2. What is your primary job (i.e., the job where you spend most of your time)? (PROBE. CHOOSE CODE FROM THE LIST

BELOW) SINGLE CODING ONLY

Farmer 01

Tailor

12

Business owner (specify)

__________ 23

Farm worker

02

Secretary

13

Salonist

24

Public or health service worker (non-professional)

03

Manager 14

Money lender

25

Professional, i.e., doctor, teacher, nurse (specify)

04

Watchman//security/caretaker

15

Landlord/Landlady

26

Clerk

05

Messenger/courier

16

Miner (gold, sand, coal, oil, etc.)

27

Carpenter/mason

06

Policeman/police force

17

Military

28

Mechanic

07

Conductor

18

Occasional worker with no occupation

29

Electrician

08

Factory employee

19

Manual labor

30

Cleaner/house help

09

Shop owner

20

Other (specify in row)

96

Waiter/cook

10

Salesperson in a store 21

Refused/ prefer not to say 99

Driver, including personal driver, taxi,

bus, rickshaw puller and autorickshaw

11

Street vendor/hawker

22

25

ASK ONLY IF ANSWERS 1-5 IN DL1. OTHERS SKIP TO DL4.

DL3. Do you have secondary job/jobs? SINGLE CODING ONLY


Yes 1

No 2

ASK ALL DL4. Please tell me in which of the following ways you got money in the past 12 months? MULTIPLE CODING ONLY DL5. ASK ONLY FOR THE OPTIONS SELECTED IN DL4. OTHERS SKIP TO DL6. You have said that these are the ways you got money in the past 12 months. Which of these brought you the most money? SINGLE CODING ONLY

READ OUT. ACCEPT MULTIPLE ANSWERS DL4 DL5 SINGLE ANSWER

Yes

No

1.Government student scholarship (either directly or through schools)

1 2 1

2.Government pension 1 2 2

3.Other government benefits, such as NREGA, MGNREGA, MahamayaYojana, etc

1 2 3

4.Pension that you receive from ex-employer or scheme

1 2 4

5.Money from family/friends / spouse for regular support or emergencies

1 2 5

6.Grow a crop and sell it

1 2 6

7.Rear livestock/poultry/fish/bees and sell it or sell by-products of it

1 2 7

8.Buy/get agricultural products from farmers and process it/change it to another form (e.g., maize to flour)

1 2 8

9.Buy/get agricultural products from farmers/processors and sell it

1 2 23

10.Sell something to farmers for the purpose of farming (e.g., seeds, fertilizers, equipment)

1 2 9

11.Sell something to processors of farming products for the purpose of processing (packaging, machinery, chemicals)

1 2 10

12.Make/manufacture something that is used for farming purposes or processing of farming products

1 2 11

13.Provide a service to farmers or processors of farming products (e.g., renting ploughs, tractors, other equipment)

1 2 12

14.Rent land to farmers for farming purposes

1 2 13

15.Fish farming /Fishing – aquaculture, fishermen

1 2 14

16.Employed on other people’s farm 1 2 15

26

17.Employed to do other people’s domestic chores

1 2 16

18.Employed by the government

1 2 17

19.Employed in private sector – office/business/factory

1 2 18

20.Running your own business

1 2 19

21.Subletting of house/rooms

1 2 20

22.Earning money from investments (e.g., shares, stocks)

1 2 21

23.Aid agency/NGO/government assistance in form of food or grants

1 2 22

24.Other,(Please specify) ______________________________________ 1 2 96

25.DK/Refused 9 9 99

ASK ALL DL6. Does anyone in the household own a farm/farmland? SINGLE CODING ONLY

By Household I mean, (INTERVIEWER, IF TWO OF THE THREE CHARACTERISTICS ARE TRUE CONSIDER IT A

HOUSEHOLD

All those who (1) share the same kitchen, (2) share the same roof or (3) have a common decision maker


Yes 1

No 2

ASK IF DL6=1, OTHERS GO TO DL11 DL7. Do you work on the farm yourself? SINGLE CODING ONLY


Yes 1

No 2

ASK IF DL6=1, OTHERS GO TO DL11◦ DL8. How much of your land is under cultivation________acres (999 for DK/Refused)

Acres

Subsection 1.3: Migration

Residency contract and migration patterns

ASK ALL

DL11. In the past 12 months, how many times did you move from one home to another? RECORD VERBATIM IN THE GRID

BELOW. (CODE 99 FOR DK/REFUSED)

27

IF DL11=0 SKIP TO DL14. OTHERS ASK DL12 (EVEN IF CODED 99)

DL12. What was the main reason you moved? SINGLE CODING ONLY.

DO NOT READ. CODE TO FIT. SINGLE ANSWER DL12

Natural disaster (hurricane, earthquake or flood) destroyed my home 1

I could not afford rent, moved to a cheaper place 2

I started making more money and moved to a better place 3

Relocated for work 4

Relocated to take care of parents/children 5

Got bankrupt and bank/moneylender took my house 6

Violence in my community 7

Evicted, land reclaimed by government or owner (for settlement housing). 8

Bought my own house and moved in it 9

Other (Please Specify) __________________________________________ 96

No specific reason 11

ASK IF DL12=4, OTHERS GO TO DL14.

DL13. You said you relocated for work. Was that a move for a permanent job or did you relocate for a seasonal/temporary job? SINGLE

CODING ONLY.

READ OUT. SINGLE ANSWER.

Permanent move 1

Seasonal/temporary job 2

DK/Refused 99

28

Subsection 1.4: Poverty measures

THERE MUST BE NO ANSWERS RECORDED IN THIS SECTION THAT ARE DIFFERENT FROM THE GIVEN

ASWER OPTIONS FOR EACH QUESTION.

THERE MUST BE NO ANSWERS RECORDED IN THIS SECTION THAT ARE DIFFERENT FROM THE GIVEN ANSWER

OPTIONS FOR EACH SPECIFIC QUESTION AND ANSWER OPTIONS SHOULD NOT BE RE-ORDERED.

DL14. How many members does your household have? ___________ members

INTERVIEWER, WRITE DOWN THE NUMBER

___

DL15. What is the highest grade that the female head/spouse completed?



Primary or below, or not literate 1

Middle 2

Secondary or higher 3

No female head/spouse 4

DL16. Does the household possess a refrigerator?


No 1

Yes 2

DL17. Does the household possess a stove/gas burner?


No 1

Yes 2

DL18. Does the household possess a pressure cooker/pressure pan?


No 1

Yes 2

29

DL19. Does the household possess a television?


No 1

Yes 2

DL20. Does the household possess an electric fan?


No 1

Yes 2

DL21. Does the household possess an almirah/dressing table?


No 1

Yes 2

DL22. Does the household possess a chair, stool, bench, or table?

DL23. Does the household

possess a motorcycle, scooter, motor car, or jeep?


No 1

Yes 2


No 1

Yes 2

Income

ASK ALL SHOWSCREEN DL24. Please look at this card and tell me which answer best reflects your family's financial situation. SINGLE CODING ONLY

SINGLE ANSWER

We can afford to buy whatever we want 5

30

We can afford to buy certain expensive goods such as a TV set or a refrigerator

4

We have enough money for food and clothes and can save a bit, but not enough to buy expensive goods such as a TV set or a refrigerator

3

We have enough money for food, but buying clothes is difficult

2

We don't have enough money for food 1

None 9

DK/Refused 99

ASK ALL SHOWSCREEN DL25. In the last 6 months, has your household ever faced the following due to shortage of funds? SINGLE CODING PER OPTION

READ OUT. ONE ANSWER PER ROW DL25

YES NO

Gone without enough food to eat 1 2

Gone without fuel to cook food 1 2

Needed a doctor but delayed or did not go 1 2

Needed a veterinarian or vet medicine but managed without it

1 2

Needed fertilizer for the farm but went without because of a shortage of funds

1 2

Needed stock for my business but couldn’t buy stock because of a shortage of funds; had to close down temporarily or completely

1 2

Had a child sent home from school because of unpaid school fees

1 2

Had to miss an important family event (funeral, wedding, etc.) because couldn’t pay for transportation

1 2

ASK ALL SHOWSCREEN DL26. Which of the following has happened in your household in the last 2 years? MULTIPLE CODING POSSIBLE ASK FOR THE EVENTS MARKED IN DL26. IF NO EVENTS MARKED IN DL 26, SKIP TO G2P1 DL27. Which of these events made the biggest impact on your household income in the last two years?

READ OUT. DL26

SHOWSCREEN DL27

SHOWSCREEN SINGLE ANSWER

Flood, fire or other natural disaster destroys house/property/business

1 1

Theft, burglary or other man-caused loss of house/property/family land/business

2 2

Bad weather or pests destroy all or part of crops or your livestock dies due to a disease

3 3

Job Loss/ Reduced income of the main wage-earner

4 4

Death of main income-earner

5 5

31

Increase of costs of agricultural inputs, other additional expenses related to your farm/business

6 6

Decrease in price of crop or livestock other goods you are selling

7 7

Loss of cash, including savings

8 8

Major medical emergency, including birth in the family

9 9

Divorse, family separation

10 10

None 12 12

DK/ Refused 99 99

ASK FOR THE ANSWER PROVIDED IN DL27.OTHERS SKIP TO G2P1 DL28.What was the main thing done to make ends meet when (HIGHEST RANKED RISK FROM DL27) happened to you or your household? SINGLE CODING ONLY


Used up your savings 1

Borrowed money from Bank /Microfinance institution / Mobile money provider or mobile money product / any private money lending company

2

Borrowed money from Savings and/or lending group

[Refers to any collection of people who save money together and involve giving credit as well. Urban or

rural. Registered or unregistered. Can be attached to a formal bank and called self-help groups (SHGs).

Could be called BC, committees, Bachat Gat,chit funds, Please probe here]

(SHGs)

3

Borrowed money from moneylender 4

Got help from religious institutions 5

Found a better job/additional jobs 6

Sold your assets eg vehicles, business, household goods, livestock,land,jwellery

7

Cut back on expenses eg school fees, food 8

Withdraw female child/children from school 9

Withdraw male child/children from school 10

Ask for help from friends, family, wellwishers 11

Received assistance/aid from a government or a non-governmentorganisation 12

There was no need to do anything, it did not affect our finances too much 13

Other (Please specify) __________________________________________________ 96

Don’t know (DO NOT READ OUT) 99

Refused to answer 16

Subsection 1.5 :GOVERNMENT BENEFITS AND WELFARE PROGRAMS

Ask G2P1 if 1/2/3 coded in DL4. ELSE GO TO MT1

G2P1.You mentioned that you are receiving payments from the government that are not salary payments. Do you receive any

of the following payments? SINGLE CODING PER OPTION

32

ASK G2P2-G2P5 FOR ALL OPTIONS CODED YES=1 IN G2P1

G2P2- How was the payment delivered? SINGLE CODING ONLY

LEGEND

DO NOT CODE

HERE

Direct deposit to a bank account from

government or Direct Benefits transfer (DBT)

01 Digital card(A rechargeable card that is not

attached to a bank or MFI account) These are

issued to a person by an organization

(Government or non-Government) as a

substitute for cash for any payment due

08

Personal pick-up by self (in cash) 02 Western Union/ Money Gram 09

Courier delivery 03 Door-to-door agents 10

Post office transfer

04 Collected by someone else on your behalf (a

friend or a relative)

11

Own mobile money account 05 Deposit into Microfinance account 12

Agent’s mobile money account 06 Other, specify 96

Other person’s mobile money account 07

G2P3.Last time you received this payment, how many days delay was it from the expected date? RECORD VERBATIM IN DAYS. RECORD

VERBATIM IN DAYS. RECORD WITH LEADING ZEROES

G2P4- Was the payment received in full, i.e., the full amount minus any applicable transaction fees?SINGLE CODING PER OPTION

G2P5- Did you have to pay a bribe or other informal commission to access your payment? SINGLE CODING PER OPTION

G2P2-G2P5 For all payments received in G2P1, ask G2P2, G2P3, G2P4, G2P5.

G2P1

SINGLE

CODING PER

OPTION

READ OUT.

SHOWSCREE

N

SHOWSCREE

N

G2P2.

G2P3.

G2P4.

TRANSACTION

FEE

SINGLE

CODING PER

OPTION

G2P5

BRIBE OR

INFORMAL

COMMISSION

SINGLE

CODING PER

OPTION

Yes No PAYMENT

METHOD

DAYS

TAKEN

Yes No Yes No

Antyodaya Anna Yojana (AAY)

1 2 1 2 1 2

33

Fertilizer Subsidies

1 2 1 2 1 2

Dhanlakshmi scheme / Abaad Scheme

1 2 1 2 1 2

Indira AwaasYojna (IAY)

1 2 1 2 1 2

Indira Gandhi MatritvaSahyogYojana (IGMSY)

1 2 1 2 1 2

JananiSurakshaYojana (JSY)

1 2 1 2 1 2

LPG / Cooking Gas subsidies

1 2 1 2 1 2

MNREGA (Mahatma Gandhi National Rural

Employment Guarantee

Act)/NREGA/employment gurantee scheme

1 2 1 2 1 2

Pension, old age

1 2 1 2 1 2

Pension, disability

1 2 1 2 1 2

Pension, widow

1 2 1 2 1 2

Pension, unemployment

1 2 1 2 1 2

Scholarship programs for students (for students in

SC, ST and OBC categories)

1 2 1 2 1 2

Skill development, coaching, vocational training

stipends

1 2 1 2 1 2

Laadli scheme 1 2 1 2 1 2

34

MahamayaYojana 1 2 1 2 1 2

Other (Specify) -------------------------------------- 1 2 1 2 1 2

DK/Refused 99

SECTION II: ACCESS AND USE OF MOBILE TECHNOLOGY

Subsection 2.1: Mobile phones, access and ownership

ASK ALL

MT1. How many people in your household own a mobile phone? _____________ people (CODE 99 FOR DK/REFUSED)

ASK IF 99 NOT CODED IN MT1

MT1A. Who decides on who should have a phone in your household?

DO NOT READ. CODE TO FIT. SINGLE ANSWER.

Myself 1

My spouse 2

My parents/guardian 3

My child (children) 4

Brother 5

Sister 8

DK 99

ASK ALL

MT2.Do you personally own a mobile phone? By personally I mean that you use it the most and control how to use this phone? SINGLE

CODING ONLY

SINGLE ANSWER MT2

Yes 1

35

No 2

ASK IF MT2=YES. OTHERS SKIP TO MT7

MT3. How many of the following types of phones do you personally have (INTERVIEWER REQUEST TO SEE THE PHONES)?

READ OUT. WRITE DOWN THE NUMBER

Basic phone – Only allows calling, messaging, saving numbers/contact etc.

Feature phone – Has Camera, Radio etc.

Smartphone – Has email, application etc.

ASK IF MT2= YES. OTHERS SKIP TO MT7

SHOWSCREEN

MT4. Which if the following statements apply to the mobile phone you have? SINGLE CODING ONLY

READ OUT. SINGLE ANSWER PER ROW 1=Yes 2=No

My phone has Multiple SIM slots 1 2

My phone has a QWERTY keypad (i.eSingle alphabet on a single key) 1 2

I can access the internet on my phone/s 1 2

I can send and receive email on my phone/s 1 2

My phones has a touch screen 1 2

I can download and install applications on my phones 1 2

ASK IF MT2=1. OTHERS SKIP TO MT7.

MT5. What was the main reason you obtained a mobile phone?


To connect with other people whenever I want 1

36

To use social networks (Facebook, WhatsApp, Viber, Twitter, etc.) 2

To use mobile money services 3

Everyone else I know has one 4

Took advantage of a promotion 5

Others (SPECIFY)

____________________________________________________________

96

DK 99


MT6 .How did you obtain your phone ? SINGLE CODING ONLY


I bought it myself 1

My spouse bought it for me / gave it to me 2

My parents bought it for me /gave it to me 3

My child (children) bought it for me / gave it to me 4

Other relative bought it for me / gave it to me 5

I found it 6

I don’t remember 7

Other (Specify) 96

DK/Refused 99


MT6A. How frequently do you charge your phone’s battery??


Daily 1

Weekly 2

Every other week 3

Monthly 4

37

Others ( SPECIFY)

________________________________________________________________________

___

96

DK 99


MT6B. Where do you charge your phone’s battery most frequently?


MT6C. On average, how much does it cost you each time to charge your phone’s battery? (CODE 99 FOR DK/REFUSED)

Rupees

ASK ONLY IF MT2=NO. OTHERS SKIP TO MT10

MT7. You said you don’t have a personal mobile phone. Do you use a mobile phone that belongs to someone else either by borrowing or

paying for its use? SINGLE CODING ONLY

SINGLE ANSWER

Yes 1 Progress to MT7A

No 2 GO TO MT9


Home 1

Neighbor’s house 2

Mobile money agency 3

At work 4

A retail shop 5

In the car 6

Others ( SPECIFY)

________________________________________________________________________

____________

96

DK 99

38

ASK ONLY IF MT2=NO & MT7 = YES. OTHERS SKIP TO 8

MT7A. Who do you mostly borrow a mobile phone from?


My spouse 1

My parents 2

My child (children) 3

Brother 4

Sister 5

Agent/shop 6

Neighbor/friend 7

Others ( SPECIFY)

___________________________________________________________________

______________________

96

DK 99


MT8. Do you pay to use someone else’s phone or do you borrow at no cost? SINGLE CODING ONLY


I pay 1

I borrow at no cost 2

ASK ONLY IF MT2=2 AND MT 7=2.OTHERS SKIP TO MT 10

MT9. What is the main reason you do not have a mobile phone and do not use somebody else’s mobile phone?? SINGLE CODING

ONLY


No one in our house owns a phone 1

I don’t have anyone to call 2

I am not allowed to use a phone by my spouse, parents or other family members 3

39

Had phone, but it was lost, stolen, or broken 4

Had phone, but sold it for cash 5

Using a phone is against my culture/religion 6

I don’t have money to buy phone 7

I don’t have money to pay for Recharge / bill / top up 8

There is no network where I live/work 9

I don’t have a need to use a phone/Don’t want a phone 10

Don’t have ID to register SIM card 11

No electricity for charging the mobile phone in this area 12

Don’t know how to use one 13

I worry about what people in my community would think 14

No specific reason 15

Other (Please Specify) _____________________________ 96

Subsection 2.2: SIM cards

ASK ALL

MT10. Do you personally have an active/working SIM card? That is, registered in your name SINGLE CODING ONLY

ASK IF MT10=1. OTHERS SKIP TO MT15

MT11. How many months ago did you last buy/acquire a new sim card?It could be an additional / replacement SIM?

(01 – Changed less than a month ago, 98- Never changed SIM card /your mobile number, 99 for DK/Refused)

Months

SINGLE ANSWER

Yes 1 GO TO MT11

No/Not sure 2 SKIP TO MT15

40

CODE RESPONSES FOR MT12 TO MT14a IN THE GRID BELOW Q MT14B


MT12.How many SIM cards do you have with each of the following providers?

ASK FOR EACH PROVIDER SELECTED IN MT12. IF NO PROVIDERS SELECTED SKIP TO MT15.

MT13. Why did you get a SIM card with this provider? SINGLE CODING ONLY


MT14. For which activity do you use this provider the most? SINGLE CODING ONLY


MT 14A.What is your overall opinion of this phone service provider?? SINGLE CODING ONLY

.

ASK FOR PROVIDER SELECTED IN MT 14A.

IF REPORT USING MORE THAN ONE PROVIDER IN MT12. IF ONLY ONE PROVIDER IN MT12 SKIP TO M14C. IF NO PROVIDERS

SELECTED SKIP TO MT17.

MT14B. Which provider do you use most often?

SINGLE ANSWER

Read out.

Write the

number

MT12 MT13

DO NOT READ. CODE TO FIT.

1=Everyone I know has this provider

2=I wanted to use this provider’s mobile

money service

3=I signed up during a promotional

campaign

4=This provider is cheaper than other

providers

5=I already had one SIM with this provider,

got another one for convenience

MT14

DO NOT READ.

CODE TO FIT.

1=Both incoming and

outgoing calls

2=Incoming calls only

3=Outgoing calls only

4=SMS

5=Internet/data

6=Mobile money

MT14A

READ

OUT

SINGLE

ANSWER

1.Very

favorable

2.

Somewhat

favorable

3.

Somewhat

MT14B

SINGLE ANSWER

41

6=Coverage is good in my area

7=The only option in my area

96=Other

99=DK

96=Other

99=DK

unfavorabl

e

4. Very

unfavorabl

e

Aircel 1

Airtel 2

BSNL

Tata

Docomo

Tata

Indicom

Dolphin

/Trump

(MTNL) /

Garuda

Trump(MT

NL)

Idea

Loop

Mobile

Reliance

Spice

Telecom

Vodafone

MTS

Uninor

Videocon

Other

(specify)

_________

42

ASK FOR PROVIDER SELECTED IN MT 14A ASK FOR PROVIDER SELECTED IN MT14B OR SINGLE PROVIDER REPORTED IN

MT12. IF NO PROVIDERS SELECTED SKIP TO MT17

MT14C.Is your opinion of your mobile phone provider on _________________ ( READ OUT EACH ASPECT).

Is it ________________ AFTER EACH ASPECT READ OUT OPTIONS

READ OUT. SINGLE

ANSWER PER ROW

1= Very favorable

2= Somewhat favorable

3= Somewhat unfavorable

4= Very unfavorable

Value for money GO TO MT17

Customer service

Affordability

Reliability

ASK ONLY IF MT10=2. OTHERS SKIP TO MT17.

MT15. You said you don’t personally have a SIM card. Do you use a SIM card that belongs to somebody else? SINGLE CODING

ONLY


MT16.Whose SIM card you ever used? MUTLIPLE CODING ONLY

_________

___

Don’t know

SINGLE ANSWER

Yes 1 GO TO MT16

No 2 SKIP TO MT17

43

READ OUT. ACCEPT MULTIPLE ANSWERS Yes

No

A member of this household 1 2

A mobile money agent 1 2

A friend or family member outside the household 1 2

A neighbor 1 2

Other (Specify) _______________________________________ 1 2

DK/Refused 1 2

Subsection 2.3 : Mobile phone use

ASK IF MT2=1 or MT7=1. OTHERS SKIP TO MT18A.

SHOWSCREEN

MT17. Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?SINGLE CODING PER ROW

READ OUT

MT17 SINGLE ANSWER FOR EACH ROW 1=Yesterday 2=In the past 7 days

3=In the past 30 days


5=More than 90 days ago

6=Never –

Made calls

Received calls

Sent/received SMS/text messages

Sent/received photo messages (MMS) (Not using whatsapp or other social networks)

Used/browsed the internet

Downloaded music, video or games

Made a financial transaction such as send/receive money, pay debt, or banking transaction

Used “Call Tunes” or other audio/video on-demand-from operator services

Used Facebook, Whatsapp, Twitter, Instagram or another social networking site

44

Downloaded/used any other mobile application

Took a color picture/ photo

Used touch-screen

Navigation/ Maps

ASK IF MT2=1 or MT7=1. OTHERS SKIP TO MT18A .

SHOWSCREEN

MT18. Who do you turn to for advice or help with a mobile phone? MULTIPLE CODING ONLY

READ OUT. ACCEPT MULTIPLE ANSWERS 1=Yes 2=No

I do not ask anyone, do not need help

1 2

Male Relative 1 2

Female Relative 1 2

1 2

1 2

1 2

Male friend 1 2

Female friend 1 2

Mobile Money Agent 1 2

Recharge shop /Mobile Company outlet 1 2

Other (Please Specify) ____________________ 1 2

Ask if MT7=2. OTHERWISE GO TO FF1.

MT18A If you had access to a phone, do you believe you could perform the following activities without help from other people?

READ OUT. SINGLE ANSWER FOR EACH ROW 1=Yes

2=No

Make calls/receive calls

Navigate the menu on the phone

Send/receive text messages

Use/browse the internet

45

SECTION III FINANCIAL INSTRUMENTS/BANKS

Subsection3.1 : Access and ownership

SECTION IV : Digital Financial Services/Mobile Money

Subsection 4.1: Awareness, access, ownership

Mobile money awareness, sources of information

ASK ALL

MM1. Have you ever heard of something called Mobile Money?SINGLE CODING ONLY

SINGLE ANSWER.

Yes 1

No 2

ASK ALL

MM2. Please tell me the names of any mobile money service providers that you are aware of?

MULTIPLE CODING POSSIBLE

ASK ONLY ABOUT SERVICES NOT CODED IN MM2. .

SHOWSCREEN

MM3. Have you ever heard about the following mobile money services? SINGLE CODING PER OPTION

46

MM2

SPONTANEOUS

RECALL

MM3

PROMPTED

RECALL

ASK ONLY ABOUT

SERVICES NOT

MENTIONED IN

MM2

1=Yes

2=No

MM2

SPONTANEOUS

RECALL

MM3

PROMPTED

RECALL

Yes No

Aircel Money 1 1 2

Airtel Money 2 1 2

Alpha Money 3 1 2

Beam Money 4 1 2

EkoCounter 5 1 2

Idea Mycash 6 1 2

Loop wallet (M-Pay) 7 1 2

Money on Mobile 8 1 2

MRupee 9 1 2

Oxicash 10 1 2

State Bank Mobicash 11 1 2

Suvidhaa money 12 1 2

Vodafone M-Pesa 13 1 2

Union Bank Money 14 1 2

Other (specify) 15 1 2

47

Other (specify)

16 1 2

None 17 1 2

ASK IF AT LEAST ONE PROVIDER MARKED IN MM2 OR MM3. OTHERS SKIP TO MMP1

MM4. Have you ever used this mobile money service for any financial activity using account registered in your name or using someone else

account or using an Agents account)?

ASK FOR EACH MOBILE MONEY PROVIDER MARKED IN MM4. IF NO PROVIDERS MARKED SKIP TO MM6.

SHOWSCREEN

MM5. Apart from today, when was the last time you conducted any financial activity with this mobile money service?

MM5A. When/what time do you typically conduct any financial activity using mobile money service?

ASK IF AT LEAST ONE PROVIDER MARKED IN MM2 OR MM3. OTHERS SKIP TO MMP1

MM6. Do you have a registered account (account registered in your name) with this mobile money service?

ASK IF MM4=1 and MM6=1 FOR THE SAME PROVIDER. OTHERS SKIP TO MM8

MM7.Did you register for this mobile money account before or after you started using this mobile money service?

ASK FOR ALL SERVICES MARKED IN MM6. OTHERS SKIP TO MM9

SHOWSCREEN

48

MM8. Apart from today, when was the last time you conducted any financial activity using these registered accounts?

MM4

1=Yes

2=No

MM5

READ OUT. SINGLE

ANSWER.

SHOWSCREEN

1=Yesterday 2=In the past 7 days 3=In the past 30 days



MM5A

READ

OUT.

SINGLE

ANSWER.

SHOWSC

REEN

1=Morning 2=Afternoon 3=Evening

4=At night

MM6

1=Yes

2=No

MM7.

1=Before

2=After

99=DK/Refuse

d

MM8

READ OUT.

SINGLE ANSWER.

SHOWSCREEN

1=Yesterday 2=In the past 7 days 3=In the past 30 days


5=More than 90 days

ago

6=Never

Aircel Money

1 2

1 2

Airtel Money

1 2

1 2

Alpha Money

1 2

1 2

Beam Money

1 2

1 2

EkoCounter

1 2

1 2

Idea Mycash

1 2

1 2

Loop wallet (M-Pay)

1 2

1 2

49

Money on Mobile

1 2

1 2

mRupee

1 2

1 2

Oxicash

1 2

1 2

State Bank Mobicash

1 2

1 2

Suvidhaa money

1 2

1 2

Vodafone M-Pesa

1 2

1 2

Union Bank Money

1 2

1 2

Other ( Please specify)

Other (Please specify)

ASK IF AT LEAST ONE PROVIDER MARKED YES IN MM4. OTHERS SKIP TO MM12

MM9. For how long have you been using mobile money services? SINGLE CODING ONLY

READ OUT. SINGLE ASNWER

Less than 1 month 1

More than 1 month to 3 months 2

More than 3 months to 6 months 3

50

More than 6 months to 1 year 4

More than 1 year 5

ASK IF AT LEAST ONE PROVIDER MARKED IN MM4. OTHERS SKIP TO MM12.

MM9A. How important are mobile money service offerings in influencing your choice of mobile phone service provider?

READ OUT SINGLE ANSWER

Very important 1

Somewhat important 2

Neither important nor unimportant 3

Somewhat unimportant 4

Not important at all 5

ASK IF AT LEAST ONE PROVIDER MARKED IN MM4. OTHERS SKIP TO MM12.

MM10A.Have you experienced any of the following challenges when using mobile money?

ASK IF MM10A=YES. OTHERS SKIP TO MM11.

SHOWSCREEN

MM10B.What is the biggest challenge you face when using mobile money?

SINGLE CODING ONLY

READ OUT. MM10A

1=Yes

2=No

MM10 B (Single Answer)

Service system failure / maintainence / server down 1

51

Agent system failure / maintainence / server down 2

Difficulty operating the phone/using menu 3

Unclear transaction charges/fees 4

Agent float/cash availability 5

Contacting customer care 6

Sending to a wrong number 7

Family/friends stealing money 8

Other fraud 9

Other (Specify)

______________________________ 96

DK/Refused 99

Subsection 4.2: Mobile money use and nonuse

ASK FOR EACH MOBILE MONEY PROVIDER MARKED IN MM4. IF NO PROVIDERS MARKED IN MM4, SKIP TO MM12.

SHOWSCREEN

MM11. How do you usually access this mobile money service?

MM11.

READ OUT. SINGLE CODING FOR EACH OF THE BRANDED CODED IN MM4.

1= Over the counter or by using an agent’s account

2=Account of a family member in this household

3=Account of a family member in another household, other relative, friend or a neighbor

4=Account of a workmate or a business partner

5= My own account

52

6=ATM

7=Other (Specify)

Aircel Money

Airtel Money

Alpha Money

Beam Money

EkoCounter

Idea Mycash

Loop wallet (M-Pay)

Money on Mobile

MRupee

Oxicash

State Bank Mobicash

Suvidhaa money

Vodafone M-Pesa

Union Bank Money



ASK ONLY IF “NO” FOR ALL IN MM4. OTHERS SKIP TO MM14.

MM12. What is the main reason you have never used mobile money services?Single coding

Record Response ____________________________________________


I do not know what it is/ I do not understand this

service; 1

I do not know how to open one 2

53

I do not have a state ID or other required documents 3

There is no point-of-service/agent close to where I live 4

I do not need one, I do not make any transactions 5

Registration paperwork is too complicated 6

Registration fee is too high 7

Using such account is difficult 8

Fees for using this service are too high 9

I never have money to make transactions with this

service 10

No one among my friends or family use this service 11

na

I cannot use mobile money services on my phone 12

I do not trust that my money is safe on a mobile money

account 13

My husband, family, in-laws do not approve of me

having a mobile money account 14

It is against my religion 15

I don’t use because all agents are men 16

Mobile money does not provide anything better/any

advantage over the financial services I currently use 17

Other (Please Specify) ______________________ 96

ASK MM13 IF YES IS CODED FOR ATLEAST ONE OPTION IN MM4 AND NO IS CODED FOR ALL OPTIONS IN MM6.

OTHERS GO TO MM14

MM13. What is the main reason you have not signed up for a mobile money account even though you are using the services? SINGLE CODING

ONLY

Record Response ____________________________________________


I do not have a state ID or other required documents 1

There is no point-of-service/agent close to where I live 2

54

I do not need to, I do not make any transactions 3

Using such account is difficult 4

Fees for using such account are too high 5

I never have money to make a transaction with such

account

6

No one among my friends or family has such account 7

I do not understand the purpose of this account, I don’t

know what I can use it for

8

I can have all the services through an agent, I do not need

an account

9

Registration fees are too high 10

I prefer that agents perform transactions for me, they will

fix the problems if anything happens/ Agent can help me

use the service

11

I do not trust my money is safe on an m-money account

/ I prefer to keep money in cash and use m-money only

to send/receive money

12

I have heard of fraud on mobile money 13

I do not see any additional advantages to registration 14

Someone in the family already has an account 15

Other (Please Specify) _____________________ 96

ASK ONLY IF AT LEAST ONE MOBILE MONEY SERVICE IS SELECTED IN MM4. OTHERS SKIP TO MMP1

MM14.What is the main reason you started using mobile money? ____________________________________ SINGLE CODING ONLY


I had to send money to another person 1

I had to receive money from another person 2

Somebody/a person requested I opened an account 3

I had to send money to an organization/government

agency: e.g., had to pay a bill 4

55

I had to receive money from an

organization/government agency: e.g., pension,

unemployment payment or welfare benefits

5

An organization/government agency requested I signed

up for an account 6

An agent or sales person convinced me 7

I saw posters/billboards/radio/TV advertising that

convinced me 8

A person I know, who uses mobile money,

recommended I use mobile money because it is better

than other financial instruments I use

9

I saw other people using it and wanted to try by myself 10

I wanted to start saving money with an m-money

account 11

I wanted a safe place to store my money 12

I got a promotional amount of money to spend if I start

using m-money /I got a discount on mobile phone

recharges/mobile bills

13

Other (Specify) 96

ASK IF AT LEAST ONE SERVICE MARKED IN MM4. OTHERS SKIP TO MMP1

MM15. Have you ever used a mobile money account to do the following…? SINGLE CODING ONLY

ASK FOR EACH ACTIVITY MARKED IN MM15. IF NO ACTIVITIES MARKED IN MM15, SKIP TO MM24

SHOWSCREEN

MM17SINGLE CODING ONLY

When was the last time you used mobile money for this activity

READ OUT MM15. 1=Yes 2=No

MM17.

1=Yesterday



56



6=Never

Yes No

1.Deposit money 1 2

2.Withdraw money 1 2

3.Buy mobile phone recharges/ Pay mobile bill 1 2

4.Pay a school fee 1 2

5.Pay a medical bill 1 2

6. Pay a utility bill (i.e., electricity, water, solar, TV/cable) 1 2

7. Pay rent

1 2

8. Pay a government bill, including tax, fine or fee 1 2

9. Send money to family members, friends, workmates or other acquaintances for regular

support/allowances, to help with emergencies, or for other reasons 1 2

10.

Receive money from family members, friends, workmates or other acquaintances for

regular support/allowances, to help with emergencies, or for other reasons

1 2

11.

Receive welfare, pension or other benefit payments from the government 1 2

12. Receive wages for primary or secondary job 1 2

13. Pay for large acquisitions, including land, cattle, residence 1 2

14. Make insurance-related payments or receive claims on insurance 1 2

15. Take a loan or make payments on a loan, give a loan or receive payments on a loan 1 2

16. Save money for a future purchase or payment 1 2

17. Set aside money for pension, paid pension contributions 1 2

18. Set money aside just in case/for an undetermined purpose 1 2

19. 1 2

57

Make an investment, including buy stock or shares

20. Pay for goods or services at a grocery store, clothing shop or any other store/shop 1 2

21. Transfer money between a mobile money account and an account with another financial

institution 1 2

22. Pay money to or receive money from your savings and/or lending group 1 2

23. Account maintenance: Check your account balance, change PIN, receive mini-statement,

etc. 1 2

24. Other 1 2

ASK ONLY IF MM1. 15.15 =1 OTHERS GO TO MM18.

MM17A Do you currently have a loan through your mobile money account?


Yes 1

No 2

ASK ONLY IF MM15.9 =1. OTHERS GO TO MM19.

MM18. You mentioned that you use mobile money to send money to other people. Who do you send money most often?

SINGLE CODING ONLY

ASK ONLY IF MM15.10=1. OTHERS GO TO MM20

MM19. You mentioned that you use mobile money to receive money from other people. From whom do you receive money most often?

READ OUT. MM18

SINGLE

ANSWER

MM19

SINGLE ANSWER

Parents 1 1

Spouse 2 2

Children 3 3

Other family members 4 4

58

Friends 5 5

Other (Specify) 96 96

DK/Refused 99 9

ASK IF MM15.10=1. OTHERS SKIP TO MM 24

SHOWSCREEN

MM20. For the money you receive from other people via mobile money services, how do you handle it most frequently? Do you…?

SINGLE CODING ONLY


Withdraw all in cash 1

Withdraw some now but leave some on mobile money for later use 2

Keep or Save all of it on mobile money for later use 3

Save all in a mobile money account 4

Transfer all or some to a bank account 5

Use it electronically to buy goods, pay bills, send to other people, etc. 6

Other (Please Specify) ______________________________________ 96

DK/Refused 99

ASK ONLY IFMM15.20=1 . OTHERS SKIP TO MM23.

MM21.When you use mobile money for merchant payments, how do you usually make a payment?


Send to the merchant’s account number 1

Send to the merchant’s mobile money account 2

Not sure 3

ASK IF SELECTED ANSWERS 2, 3, 4, OR 5 IN MM 20. OTHERS SKIP TO MM24

MM23. On average, for how many days do you keep money on a mobile money account before you withdraw, transfer or spend it? ________________days (99 for

DK/Refused).

59

__________days

ASK IF ANY PROVIDER SELECTED IN MM4. OTHERS SKIP TO MMP1

MM 24. If you were to look for the latest information on how much it costs to send someone money using mobile money, where would go to look for that information?

READ OUT. ACCEPT MULTIPLE ANSWERS 1=Yes

2=No

Mobile Money Agent 1 2

Prices printed on company pamphlets/brochures/posters 1 2

Family member 1 2

Friend 1 2

Internet 1 2

Call or SMS to the Mobile money service provider 1 2

Provider’s in-person customer care center 1 2

Look in the mobile money app 1 2

Other (Specify) 1 2

ASK IF ANY PROVIDER SELECTED IN MM4. OTHERS SKIP TO MMP1 MM25..To your best knowledge, when was the last time the pricing

for mobile money transfer charges changed?


This month 1

In the past 6 months 2

6-12 months ago 3

More than a year ago 4

Not sure 5

Subsection 4.3: OTC

MM28. ASK IF ANY PROVIDER SELECTED IN MM4. OTHERS SKIP TO MMP1.

When you use mobile money, which of the following do you use most frequently?

READ OUT. SINGLE CODING

Your own phone and your own SIM 1

Your own phone but someone else’s SIM 2

60

Your own SIM but borrow a phone from an agent 3

Your own SIM but borrow a phone from friends or family 4

Borrow both SIM and phone from an agent 5

Borrow both SIM and phone from friends or family 6

Other 96

MM29. ASK IF AT LEAST ONE PROVIDER MARKED IN MM6. IF NO PROVIDERS MARKED IN MM6, SKIP TO MM31.

Do you usually make transactions with your mobile money account yourself or does somebody else make them on your behalf?

SINGLE ANSWER

Make transactions myself 1 SKIP TO MM31

Somebody makes them on my behalf 2 GO TO MM30

I have never used my account for any transaction 3 SKIP TO MM31

ASK IF MM29=2. OTHERS SKIP TO MM31.

MM30. Who is the person who makes transactions on your behalf most frequently?


Male relative 1

Female relative 2

Male friend 3

Female friend 4

Mobile money agent 5

I do them myself 6

Other 96

ASK IF AT LEAST ONE PROVIDER MARKED IN MM4. OTHERS SKIP TO MMP1

MM31. Have you ever done the following activities related to the use of mobile money services by yourself?

ASK FOR ALL THE OPTIONS CODED 1 IN MM31

SHOWSCREEN

61

MM32. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of

mobile money services on your own?

READ OUT.

MM31

1=Yes

2=No

99=DK/Refused

MM32

1=Very Easy

2=Easy

3=Difficult

4=Very difficult

99=DK/Refused

Open an mobile money menu 1 2 99

Find a particular menu option, for example, an option for a money transfer 1 2 99

Initiate a transaction 1 2 99

Complete a transaction 1 2 99

Go back to the main menu after a transaction 1 2 99

Correct a typing error in the amount or phone number for a transaction recipient 1 2 99

Reverse or cancel a transaction 1 2 99

Sending money 1 2 99

Receiving money 1 2 99

Depositing money 1 2 99

Withdrawing money 1 2 99

Buying mobile phone recharges/ Paying mobile bill 1 2 99

Checking balance 1 2 99

Subsection 4.4: Experiences with mobile money agents

ASK ONLY IF AT LEAST ONE PROVIDER=YES IN MM4. OTHERS SKIP TO MMP1

62

MM33. Do you tend to use the same mobile money agent all or most of the time? SINGLE CODING ONLY

SINGLE ANSWER

Yes 1 GO TO MM34

No 2 SKIP TO MM36

AS IF MM33=YES

MM34. What is the main reason you are using this agent regularly? SINGLE CODING ONLY. _______Post CODE IN THE GRID

BELOW.


Out of courtesy 1

The agent is fast 2

I trust this agent 3

Reliability: the agent is always present during work

hours

4

Reliability: the agent always has e-float and/or cash

to help with my transaction

5

Proximity to where I live 6

Proximity to places where I go – school, retail

store, my job, etc.

7

Agent is knowledgeable/helpful 8

Agent is friendly and engaged 9

This agent is my personal friend, family member or

a relative

10

My family members, friends or workmates use this

agent

11

Out of habit 12

Because the agent is a female 13

Because the agent is a male 14

63

Agent was recommended to me 15

The agent’s place is safe/secure 16

Other (Please Specify)______________________ 96

ASK IF MM33=1

MM35. Is your regular agent a male or a female? SINGLE CODING ONLY


Male 1

Female 2

THE NEXT SET OF QUESTIONS IS ABOUT ANY AGENT RESPONDENTS USE, NOT NECESSARILY THEIR REGULAR

AGENT.

READ TO THE RESPONDENT: Now, I want to ask you about your experience with mobile money agents in general. You do not have to

talk about your regular agent if you do not have one.

ASK ONLY IF AT LEAST ONE PROVIDER MARKED IN MM4. OTHERS SKIP TO MMP1

MM36. Which of the following mobile money agents are the closest to where you live? Regardless of what service you use.

DO NOT READ OUT. MULTIPLE CODING ANSWERS

Aircel Money 1

Airtel Money 2

Alpha Money 3

Beam Money 4

EkoCounter 5

Idea Mycash 6

Loop wallet (M-Pay) 7

Money on Mobile 8

MRupee 9

Oxicash 10

State Bank Mobicash 11

Suvidhaa money 12

64

Vodafone M-Pesa 13

Union Bank Money 14

Other (specify)_________________ 96


SHOWSCREEN

MM37.Do you usually go to a mobile money agent at or near the following places? MULTIPLE CODING ONLY

READ OUT. MARK ALL THAT APPLY 1=Yes 2=No

Your home 1 2

Your work 1 2

Where you shop for food 1 2

Near your children’s school/childcare facility 1 2

Near a public transportation hub, for example, a bus stop or station 1 2

Near/ at the shop where you go to charge your mobile phone battery 1 2

Near/at the shop where you buymobile phone recharges/ Pay mobile bill 1 2

Other (Specify) 1 2


MM38. Have you ever experienced any of the following issues with any mobile money agent?

ASK ONLY FOR THE CASES WHERE MM38=1. IF NO ISSUES MARKED “YES” IN MM38 SKIP TO MM41

MM40. Last time you faced this issue (INTERVIWER TO READ OUT ALL OPTIONS CODED YES IN MM38), Was the issue resolved

to your satisfaction?

READ OUT MM38.

1=Yes 2=No2

MM40.

1=Yes 2=No

Agent was absent 1 2 1 2

Agent was rude 1 2 1 2

Agent did not have enough cash or e-float and could not perform the transaction 1 2 1 2

Agent refused to perform transaction for no reason 1 2 1 2

65

Agent did not know how to perform the transaction 1 2 1 2

Agent overcharged for the transaction or asked to pay a deposit 1 2 1 2

Agent did not give all the cash that was owed 1 2 1 2

GSM or mobile network was down 1 2 1 2

Agent system or mobile network was down 1 2 1 2

It was very time consuming/it took me a lot of time to do the transaction 1 2 1 2

You did not get a receipt 1 2 1 2

Agent charged you for depositing money 1 2 1 2

Agent asked for my PIN number 1 2 1 2

Agent was dismissive of women 1 2 1 2

Agent committed fraud 1 2 1 2

Agent’s place was not secure/there were suspicious people at agent’s place 1 2 1 2

Agent shared your personal/account information with other people without my

knowledge/permission 1 2 1 2

Agent refused to do the transaction because you did not have my ID 1 2 1 2

Other (Please Specify) _____________________ 1 2 1 2

ASK ONLY IF AT LEAST ONE MOBILE MONEY SERVICE IS SELECTED IN MM4. OTHERS SKIP MMP1

SHOWSCREEN

MM41.When a mobile money transaction goes wrong, who do you go most frequently to help you resolve the problem?

READ OUT. SINGLE CODING

Resolve it myself 1

Mobile Money agent 2

Mobile Moneyprovider/Customer Service 3

Family member 4

Friend or neighbor 5

Mobile Moneytransactions never go wrong 7

Other (Please Specify) _________________ 96

66

ASK ONLY IF AT LEAST ONE MOBILE MONEY SERVICE IS SELECTED IN MM4. OTHERS GO TO MMP1

SHOWSCREEN

MM42.Tell me if you agree, disagree with the following statements?

READ OUT. SINGLE ANSWER PER ROW

1= StronglyAgree

2= Agree

3=Disagree

4=Strongly Disagree

Mobile money allows you to keep money on your phone 1 2

Mobile money allows you to get a loan 1 2

You can deposit and withdraw in cash using mobile money 1 2

You can send money to someone using mobile money 1 2

You can storesave money on a mobile phone 1 2

You can pay for goods and services through your mobile money 1 2

ASK ALL

SHOW CARD

MMP1. Have you ever personally used this mobile banking product?

ASK ONLY FOR THE OPTIONS MARKED IN MMP1. OTHERS SKIP TO IF11

MMP2. When was the last time you used this mobile money product?

ASK ONLY FOR THE OPTIONS MARKED IN MMP1AND FF1=1 OR FF4=1 OTHERS SKIP TO IF11

MMP3. Do you have a reistered account with this product?

ASK ONLY FOR THE OPTIONS MARKED IN MMP3. OTHERS SKIP TO IFI1.

MMP4When was the last time you used your registered account with this product?

Subsection 4.5 : Other MM products (Where applicable)

67

MMP1

PROMPTED RECALL

1=Yes

2=No

MMP2

1=Yesterday





6=Never

MMP3

SINGLE ANSWER

1=Yes

2=No

99=DK/Refused

MMP4

SINGLE ANSWER

1=Yesterday





6= Never

Paytm 1 2

MobikWik 1 2

PayUmoney 1 2

Freecharge 1 2

Pockets 1 2

ZipCAsh 1 2

Itzcash 1 2

Citrus 1 2

Oxigen 1 2

Beam Money 1 2

Oxicash 1 2

Other (Specify) 1 2

68

SECTION V: NONBANK FINANCIAL INSTITUTIONS

Subsection 5.1: Awareness, access, ownership

INSTRUCTIONS TO INTERVIEWERS

ASK IFI1 FOR 1ST OPTION FIRST

IF IT IS CODED YES, THEN ASK IFI2-IFI4 FOR THAT ROW

THEN GO TO NEXT ROW ASK ALL

IFI1. Have you ever used any of the following?SINGLE CODING PER OPTION

ASK ONLY FOR OPTIONS MARKED “YES” IN IFI1. OTHERS GO TO IFI3

SHOWSCREEN

IFI2. Apart from today when was the last time you used this financial service for any financial activity? SINGLE CODING PER OPTION

ASK ALL

IFI3. Do you have an account/membership in your name with any of the following? SINGLE CODING PER OPTION

ASK ONLY FOR OPTIONS CODED ‘YES’ IN IFI3. OTHERS GO TO IFI5

SHOWSCREEN

IFI4. Apart from today, when was the last time you used the account/membership that is in your name for this service? SINGLE CODING

PER OPTION

69

IFI1

SINGLE

CODING

PER

OPTION

1=Yes (Ask

IFI2)

2=No (Go to

the next row

down)

IFI2.

SINGLE CODING

PER OPTION

1=Yesterday 2=In the past 7 days




6=Stopped using

altogether

IFI3

SINGLE

CODING PER

OPTION

1=Yes (Ask

IFI4)

2=No (Go to

the next row

down)

IFI4.

SINGLE CODING PER

OPTION

1=Yesterday 2=In the past 7 days




6=Stopped using altogether

Yes No Yes No

1 Microfinance institution 1 2 1 2

2 Post office Account 1 2 1 2

3

Savings and/or lending group

[Refers to any collection of people

who save money together and

involve giving credit as well. Formal

or informal. Can be attached to a

bank and called self-help groups

(SHGs). These are known as BC,

committees,BachatGat, chit funds,

Please probe here]

(SHGs)

1 2

1 2

4

A Digital card(A rechargeable card

that is not attached to a bank or MFI

account) These are issued to a

person by an organization

(Government or non-Government)

as a substitute for cash for any

payment due

1 2

1 2

70

5 Private money lender 1 2 1 2

6

A money guard/ someone in

workplace or neighborhood that

collects and keeps savings deposits

on a regular basis

1 2

1 2

7 Life Insurance Corporation of India

(LIC) 1 2

1 2

8 Other government insurance 1 2 1 2

9 Private Insurance company 1 2 1 2

ASK IFI5 IF YES IS CODED FOR OPTIONS 1/2/3- MICROFINANCE INSTITUTION, POST OFFICE ACCOUNT OR

SAVING/LENDING GROUP IN IFI1. ELSE SKIP TO IFI 14I

SHOWSCREEN

IFI5. Which of the following services does your (READ THE FINANCIAL INSTITUTION IN THE COLUMN) offer?SINGLE CODING

PER OPTION

READ OUT. SINGLE ASNWER PER ROW

At least one of the following:

Savings, money transfers,

loans, insurance, investments

Only loans

NONE OF

THESE

Microfinance institution 1 2 3

Post office Account 1 2 3

Savings and/or lending group 1 2 3

ASK IF “YES” FOR MICROFINANCE INSTITUTION USE IN IFI1. OTHERS GO TO IFI7

IFI6.I will read you several statements. Please, tell me which of them apply to the Microfinance Institution account that you use, registered or

not. You do not have to personally use those services – I just want to know if your Microfinance Institution offers them.SINGLE CODING

PER OPTION

ASK IF “YES” FOR POST OFFICE ACCOUNT IN IFI1. OTHERS GO TO IFI8

71

IFI7.Which of the following statements apply to post office account you use, registered or not? You do not have to personally use those services

– I just want to know if your POST OFFICE ACCOUNT offers them. SINGLE CODING PER OPTION

ASK IF “YES” FOR SAVINGS AND/OR LENDING GROUP USE IN IFI1. OTHERS GO TO IFI10

IFI8. Which of the following statements apply to SAVINGS AND/OR LENDING GROUP account you use, registered or not? You do not

have to personally use those services – I just want to know if your SAVINGS AND/OR LENDING GROUP offers them.SINGLE CODING

READ OUT. SINGLE ANSWER PER ROW. IFI6 IFI7 IFI8

Yes

No

DK/

Refused

Yes

No

DK/

Refus

ed

Yes

No

DK/

Refused

You can access your account and make transactions

using either a mobile phone application or

institution’s website

1 2 99 1 2 99 1 2 99

The institution offers a debit/ATM card with this

account

1 2 99 1 2 99 1 2 99

The institution offers a credit card with this account

1 2 99 1 2 99 1 2 99

You can transfer money to/from this account

without using cash (make a direct deposit, automatic

payments or withdrawals, transfers to/from other

banks/mobile money account/SAVINGS GROUP

or account)

1 2 99 1 2 99 1 2 99

ASK IF “YES” FOR MICROFINANCE INSTITUTION USE IN IFI1. OTHERS GO TO IFI11

IFI10.Have you ever used your Microfinance Institution account for the following?SINGLE CODING PER OPTION

ASK IF “YES” FOR POST OFFICE ACCOUNT USE IN IFI1. OTHERS GO TO IFI12

IFI11.Have you ever used your post office account for the following? SINGLE CODING PER OPTION

72

ASK IF “YES” FOR SAVINGS AND/OR LENDING GROUP USE IN IFI1.OTHERS GO TO IFI 14

IFI12.Have you ever used your SAVINGS AND/OR LENDING GROUP for the following? SINGLE CODING PER OPTION

READ OUT. SINGLE ANSWER PER ROW IFI10 IFI11 IFI12

Yes

No

Yes

No

Yes

No

1.Deposit money 1 2 1 2 1 2

2.Withdraw money 1 2 1 2 1 2

3.Buy mobile phone recharges/ Pay mobile bill 1 2 1 2 1 2

4.Pay a school fee 1 2 1 2 1 2

5.Pay a medical bill 1 2 1 2 1 2

6. Pay a utility bill (i.e., electricity, water, solar, TV/cable)

1 2 1 2 1 2

7. Pay rent 1 2 1 2 1 2

8. Pay a government bill, including tax, fine or fee 1 2 1 2 1 2

9. Send money to family members, friends, workmates or other acquaintances for

regular support/allowances, to help with emergencies, or for other reasons 1 2 1 2 1 2

10. Receive money from family members, friends, workmates or other acquaintances

for regular support/allowances, to help with emergencies, or for other reasons 1 2 1 2 1 2

11. Receive welfare, pension or other benefit payments from the government 1 2 1 2 1 2

12. Receive wages for primary or secondary job 1 2 1 2 1 2

13. Pay for large acquisitions, including land, cattle, residence 1 2 1 2 1 2

14. Make insurance-related payments or receive claims on insurance 1 2 1 2 1 2

15. Take a loan or make payments on a loan, give a loan or receive payments on a loan 1 2 1 2 1 2

16. Save money for a future purchase or payment 1 2 1 2 1 2

17. Set aside money for pension, paid pension contributions 1 2 1 2 1 2

18. Set money aside just in case/for an undetermined purpose 1 2 1 2 1 2

73

19. Make an investment, including buy stock or shares 1 2 1 2 1 2

20. Pay for goods or services at a grocery store, clothing shop or any other store/shop 1 2 1 2 1 2

21. Transfer money between your account and an account with another financial

institution 1 2 1 2 1 2

22. Pay money to or receive money from your savings and/or lending group

1 2 1 2 1 2

23. Account maintenance: Check your account balance, change PIN, receive mini-

statement, etc.

,

1 2 1 2 1 2

24.Other

1 2 1 2 1 2

Subsection 5.2: Distance and reach

ASK ALL

SHOWSCREEN

IFI14. How close are the following to where you live?

ASK ALL. SHOWSCREEN

IFI15. If you had to go to the closest (READ A FINANCIAL SERVICE FROM THE LIST) _____________________________

, how much time it would take you. I want to know, if you use your typical mode of transport or walk or ride a bicycle, whatever you usually do –

how long would it take you to get there? It does not matter if you use it or not – I just want to know how far it is from you.

ASK FOR EACH OPTION MARKED IN IFI14. IF NO OPTIONS MARKED SKIP TO IFI18 SHOWSCREEN

IFI16. How do you typically reach to the closest (READ A FINANCIAL SERVICE FROM THE LIST)?

ASK FOR EACH OPTION MARKED IN IFI14. IF NO OPTIONS MARKED SKIP TO IFI18

SHOWSCREEN

IFI17. On a scale from 1 to 5, with 1 being very easy and 5 being very difficult, how easy or difficult it is for you to go to the

closest_______________ ?

74

READ OUT IFI14

1=0.5 km or less

2=More than 0.5

km to 1km

3=More than 1km

to 5km

4=More than 5km

to 10km

5=More than 10km

to 15km

6=More than 15km

99=DK/Refused

IFI15

1=15 minutes or less

2=More than 15 to 30

minutes

3=More than 30

minutes to an hour

4=More than an hour

to 2 hours

5=More than 2 hours

to 4 hours

6=More than 4 hours

99=DK/Refused

IFI16

1=Walk

2=Use a taxi ,auto or cycle

rikshaw

3=Use a bus

4=Have to take a train

5=Agent would come to

me

6=Ride a bicycle

7=Ride my own car or

motorbike

8=Get a car/motorbike

ride for free with a

friend/relative/neighbor

9=Other (Specify)

99=DK/Refused

IFI17

1=Very easy

2=Somewhat easy

3=Neither difficult

nor easy

4=Somewhat

difficult

5=Very difficult

99=DK/Refused

Over the counter in a branch of a

bank

Bank ATM

Bank deposit or withdrawal Over

the counter at a retail store

A mobile money agent

A retail store/kiosk with over-the-

counter Mobile Money services

Microfinance Institution


[Refers to any collection of people

who save money together and

involve giving credit as well. Urban

or rural. Registered or

unregistered. Can be attached to a

formal bank and called self-help

groups (SHGs). Could be called

75

BC, committees, Bachat Gat, chit

funds, Please probe here]

(SHGs)

Subsection 5.3: Savings and loans groups

IFI18. How many informal societies or group saving schemes do you use or personally belong to? ___________ groups (99 for DK/Refused).

ASK IF IFI18>0. OTHERS SKIP TO IFI24

IFI20.Do you receive the following services through any of the informal societies or group saving schemes that you use or personally belong to?

READ OUT. ACCEPT MULTIPLE ANSWERS.

Welfare/clan group – we help each other out for things like funerals 1

We receive loan/credit 2

We collect money and give to each member a lump sum (pot) or gift in turn 3

We save and lend money to members and/or non-members to be repaid with interest 4

We periodically distribute all monies held by the group to its members 5

We save together and put the money in an account 6

We make other kinds of investments as a group eg. property, business 7

We invest in the stock market as a group 8

None of these 9


IFI21.What is the most important reasonyou use informal societies and/or group saving schemes? SINGLE CODING


To have a lump sum to use when it Is your turn 1

To keep money safe 2

76

To have access to loans and credit 3

To help when there is a death in the family or any other emergency 4

It is compulsory in your clan/village 5

To socialize / meet your friends 6

To exchange ideas about business 7

To invest in bigger things by pulling money / resources together 8

The group buys you household goods or farm good when its your turn 9

To increase income by lending 10

Because you could not get money or help anywhere else 11

You can get money easily when you need it 12

Get motivated/get disciplinedto save from saving with others 13

Can’t save at home – money gets used on other things 14

Because it encourages you to work harder 15

Other (Please Specify) ______________________ 96

ASK IF IFI18>0. OTHERS SKIP TO IFI24SHOWSCREEN

IFI22.Have any of the informal society / group you use or belong to have experienced any of the foillowing?

READ OUT. ACCEPT MULTIPLE ANSWERS

Lost money through theft or fraud by someone outside the group 1

Lost money through theft or fraud by a committee member 2

Lost money through bad investment of funds 3

Lost money through default by members 4

Loss of membership through death or membership cancellation 5

Disagreement within the group 6

Poor leadership 7

Money / cash not available immediately 8

None 9

77


IFI23. Are any of your savings and loans groups linked to a mobile money group wallet or do they have a bank account?

READ OUT. 1=Yes 2=No

Linked to a bank/have an account with a bank 1 2

Linked to a mobile money group wallet/have a mobile money wallet 1 2

ASK IF IFI18=0. OTHERS SKIP TO FL1.

IFI24.What is the main reason you do not belong to any informal societies or group saving schemes?


I have an account in a bank or other formal institution 1

I don’t have any money left for savings 2

People may steal money 10

I don’t know about them 3

I don’t need any service from them 4

I don’t trust them 5

Groups require too much time in meetings 6

Had previous bad experience 7

I have just dissolved one and I am still debating if I should join another one 8

I have not found a group that suits my needs 9

Others (Please Specify) _______________________________ 96

78

SECTION VI: FINANCIAL LITERACY

Subsection 6.1: Budget planning

ASK ALL.

FL1. How often do you make a plan for how to manageyour money, whether it is earned through a job, received from the government or from

other people?

ASK IF ANSWERS 1-3 IN FL1. OTHERS SKIP TO FL4.

FL2. When you make a plan, how often do you keep it?

READ OUT. SINGLE ANSWER FL1 FL2

Always or most of the time 1 1

Sometimes 2 2

Rarely 3 3

Never 4 4

ASK IF ANSWERS 1-3 IN FL1. OTHERS SKIP TO FL4.

FL3. When you plan your expenses, for what period you usually plan?

READ OUT SINGLE ANSWER

1 day 1

1 week 2

1 month 3

3 months 4

6 months 5

1 year 6

5 years 7

Do not plan household expenses 8

Other (Specify) 96

ASK ALL

79

FL4. What or who do you depend the most for a financial advice?


Myself only 1

Spouse 2

Bank 3

Insurance company 4

MFI 5

Informal Savings/Lending groups 6

Religious institutes 7

Friends, family, neighbors 8

Radio 9

TV 10

Newspapers, other printed media 11

Big adverts, billboards 12

Leaflet from a financial institution 13

NGO workshop/seminar 14

Local government 15

Internet 16

Supernatural being 17

Other (Specify) 96

DK/Refused 99

ASK ALL

FL6. I will read several statements. Tell me, does the following apply to you?

READ OUT. SINGLE ANSWER PER ROW 1=Yes 2=No

I spend less money than I make each month 1 2

I have an emergency fund to cover for unplanned expenses 1 2

80

I pay my bills on time 1 2

My savings are larger than my debts 1 2

ASK ALL

FL7. Does your family have a plan to manage unexpected expenses, which might result from the following?

READ OUT. SINGLE ANSWER 1=Yes

2=No

99=DK/Refused

Loss of a house due to fire, flood or another natural disaster 1 2 99

Major medical emergency, including illness, injury and childbirth 1 2 99

Bankruptcy/loss of a job or a business 1 2 99

Loss of harvest or livestock due to weather conditions or a disease 1 2 99

Loss of property due to theft or burglary 1 2 99

Death in the family, including death of the main income earner 1 2 99

ASK ALL

SHOWSCREEN

FL8.How much do you agree with the following statements (Strongly Agree, Agree, Neither agree nor Disagree, Disagree, Strongly Disagree)

READ OUT. SINGLE ANSWER PER ROW.

1=Strongly agree

2=Agree

3=Neither agree nor disagree

4=Disagree

5=Strongly disagree

I am highly satisfied with my present financial condition

I have too much debt right now

Friends and family rely heavily on me to help with their finances

I am comfortable having some debt if it allows me to accomplish my goals

81

I have the skills and knowledge to manage my finances well

When you have some money it’s better to use or invest it right away. Just keeping it sitting

there is wasteful.

I buy from several different shopkeepers so that they know me and will give me credit when I

need it

ASK ALL FL9. Imagine that in a month after paying for food, cooking fuel, school fees, rent, and airtime for the month, you found yourself with some extra money. Please, select three options from the list that you are most likely to spend on? SINGLE CODING PER COLUMN Please, select three options from the list: the first largest expense, then the second largest expense and the third largest expense

READ OUT.

First Largest

expense

SINGLE

RESPONSE

Second largest

expense

SINGLE

RESPONSE

Third largest

expense

SINGLE

RESPONSE

Saving money 1 1 1

Investing in your existing business 2 2 2

Repay of any existing debts 3 3 3

Sending money to other people, including sending regular support

money, emergency support, gifts, etc. 4 4 4

Spend on farm – leasing more land, buying fertilizer or pesticides,

buying seeds 5 5 5

Buy the family some clothes/something nice for the home 6 6 6

Buy better food

7 7 7

Buy more of your usual foods 8 8 8

Investing in assets like shares, real estate, jwellery 9 9 9

Entertainment: movies, restaurants, sport shows, theater plays,

restaurants, clubbing, partying 10 10 10

I don’t want to spend on anything else 11 11 11

Other (Specify) 96 96 96

82

ASK ALL

FL10 ASK ALL.What’s the most important financial goal for you right now? SINGLE CODING


Paying school fees 1

Building or upgrading the home/property 2

Buying a piece of land 3

Acquiring furniture and household utensils 4

Paying off a debt 5

Growing your business or a family member’s business

6

Investing in the farm 7

Taking care of relatives 8

Preparing for the expenses of a new child

9

Acquiring some kind of personal asset: motorbike, phone, TV, laptop, car, etc.

10

Make more money 11

Other ( Please Specify) ___________________ 96

DK/Refused

99

ASK ALL

SHOWSCREEN

FL11.How likely is it that you could get together sufficient funds from your friends and family for a medical emergency

if it was too much for you to manage alone? SINGLE CODING


Very likely 1

Somewhat likely 2

Somewhat unlikely 3

83

Very unlikely 4

DK/Refused 5

Subsection 6.2: Numeracy

Now, I would like you to answer several questions that require some calculations. Please, do not be concerned – this is not a test. We just want to

see if you understand some of the issues related to budgeting your income and making choices related to money.

ASK ALL

FL12 Imagine you have 100 Rupees. Somebody gave you 20 Rupees. How much total money will you have?

DO NOT READ. SINGLE ANSWER.

120Rupees 1

Any other answer 2

DK/Refused 3

ASK ALL

FL13. Imagine you have 100 Rupees and you have to divide it among 5 people. How much money will each person receive if you divide it

equally?


20 Rupees 1

Any other answer 2

DK/Refused 3

FL 14. Suppose you have some money. Is it safer to put your money into one business or investment, or to put your money into multiple

businesses or investments?


One business or investment 1

Multiple businesses or investments 2

DK 99

84

FL 15. Suppose over the next 10 years the prices of the things you buy double. If your income also doubles, will you be able to buy less than you

can buy today, the same as you can buy today, or more than you can buy today?


Less 1

The same 2

More 3

DK 99

FL 16. Suppose you need to borrow 100 Rupees. Which is the lower amount to pay back: 105 Rupees or 100 Rupees plus 3 percent?


105 Rupees 1

100 Rupees plus 3 percent 2

DK 99

FL 17. Suppose you put money in the bank for two years and the bank agrees to add 15 percent per year to your account. Will the bank add more

money to your account the second year than it did the first year, or will it add the same amount of money both years?


More 1

The same 2

DK 99

ASK ALL

FL18. Imagine you have 100 Rupees in your savings account. Your account is earning 2% interest every year. How much money will you have on

your account in 5 years if you do not withdraw anything during that period?


More than 100 Rupees 1

Any other answer 2

DK/Refused 99

85

Subsection 7.2: Borrowing

FB1. Do you agree or disagree with the following statements?

READ OUT. MULTIPLE

ANSWERS.

1. Agree

2. Disagree

1. Credit is the ability to

borrow money and pay it

back later

1

2


obtain goods or services

now and pay for them in

the future

1

2


borrow money to be paid

back later at the price of

the interest rate

1

2

FB 2. If it was available to you now, which would you prefer to have more?


The ability to borrow money for capital or an investment 1

The ability to borrow money in case of an emergency 2

The ability to purchase goods or services and pay for them

later

3

FB 3. Have you needed credit in the past year but could not access it?

SINGLE ANSWER

Yes there have been occasions where I have not been able

to access credit

1

No there have not been any occasions where I could not

access credit

2

ASK IF ANSWER TO FB3=1.

86

FB 4What prevented you from accessing credit?

DO NOT READ OUT. MULTIPLE ANSWERS.

I did not have the required documents 1

Already owed money on a loan 2

Did not qualify for credit 3

Did not know where to go to get credit 4

Other_________________________ 96

ASK ALL

FB13. How many times in the past 12 months have you borrowed money from outside your household?

________________times (99 for DK/Refused).

ASK IF FB13>0. OTHERS SKIP TO FB16

FB14.How many times in the past 12 months did you borrow money to pay for education- school/college fees (for

yourself or someone else in the Household)?________________times (99 for DK/Refused).

ASK IF FB13>0. OTHERS SKIP TO FB16

FB15. How many times in the past 12 months did you borrow money because of an

emergency?________________times (99 for DK/Refused).

ASK ALL

FB16. Have you ever borrowed money/have loans from the following organizations or individuals?

ASK FOR ALL INSTITUTIONS SELECTED IN FB16. IF NO INSTITUTIONS MARKED IN FB16 SKIP

TO FB18

FB16A Do you currently have a loan with this organization?

87

ASK FOR ALL INSTITUTIONS SELECTED IN FB16. IF NO INSTITUTIONS MARKED IN FB16 SKIP

TO FB18.

FB17. Do you know what interest rate or fee you pay on your loans from…?

READ OUT

FB16

1=Yes

2=No

FB16a FB17

1=Yes

2=No

Through a bank 1 2 1 2 1 2

Through a Microfinance account 1 2 1 2 1 2

Through a post office account 1 2 1 2 1 2

Through a mobile money account 1 2 1 2 1 2

Other formal financial institution (Specify)

________________________

Formal financial institution: Institutions which are registered with a legal authority and deal with financial transactions such as deposits, loans or investment

1 2 1 2 1 2


[Refers to any collection of people who save money together and

involve giving credit as well. Urban or rural. Registered or unregistered.

Can be attached to a formal bank and called self-help groups (SHGs).

Could be called BC, committees, Bachat Gat, chit funds, Please probe

here]

(SHGs)

1 2 1 2 1 2

Private moneylender or other informal service 1 2 1 2 1 2

Through my community- i.e., friends, neighbors or relatives 1 2 1 2 1 2

Other, specify ___________________________________ 1 2 1 2 1 2

ASK ALL

SHOWSCREEN

FB18. Which of the following statements best describes how you usually repay your loans?


I repay in full before the deadline 1

88

I repay on the agreed day – neither before the deadline nor after the deadline 2

I ask for an extension for repayment 3

I occasionally fail to repay by the deadline and forget to ask for an extension 4

I do not borrow money/don’t have loans 5

ASK ALL

SHOWSCREEN

FB19. Which of the following best describes how you spent the money you borrowed last time?


Routine purchases such as groceries and transportation 1

Medical payments, hospital charges 2

Educational expenses, school fees 3

Bills: utility bills, mobile phone and airtime, rent, taxes, etc. 4

Mobile phone airtime 5

Emergency expenses (Specify) 6

Investment in business, farm, e.g., buying livestock, land, seeds, equipment and machinery, etc. 7

Make a large purchase, such as TV, car or bicycle, house, etc. 8

To boost my business 9

I do not borrow money/don’t have loans 10

Other (Specify) 96

FB 19A. Do you currently have any of the following products for your household?

FB 19B. ASK ONLY IF THE ANSWER TO FB19A =2.

Do you want to have any of the following products for your household?

READ OUT. FB.19A

Currently have

FB 19B

Want

SINGLE ANSWER PER ROW. 1=Yes 1=Yes

89

2=No 2=No

99=Don’t

know

A loan that came with a new financial account

A loan accessed through an existing financial account

A mobile money account that came with a smartphone

A credit plan through a financial institution to pay school fees

A goal savings plan or contractual savings plan with a financial

institution for school fees

Other _______________________

ASK ONLY IF DOES NOT BORROW FROM A BANK (FB16.1=2). OTHERS SKIP TO FB21

FB20. What is the main reason you do not borrow from a bank? SINGLE CODING

ASK ONLY IF 1 CODED FOR AT LEAST ONE OPTION IN MM2 OR MM3 (AWARE OF MOBILE

MONEY) and FB16.4=2

. OTHERS SKIP TO FB22

FB21. What is the main reason you do not borrow from a mobile money provider? SINGLE CODING

DO NOT READ. CODE TO FIT. SINGLE ANSWER FB20 FB21

I can borrow money through other means 1 1

I have enough money, I don’t need to borrow at all 2 2

I do not know how to open an account 3 3

I do not have a state ID or other required documents 4 4

There is no BANK/MOBILE MONEY PROVIDER institution close to where I live 5 5

Paperwork is too complicated 6 6

Registration fee is too high 7 7

I have difficulty understanding how to use such accounts, including account menus, filling

deposit/withdrawal slips, checking my balance, etc.

8 8

90

Fees for using this service are too high 9 9

No one among my friends of family saves/borrows money 10 10

I do not trust formal financial institutions 11 11

I prefer to rely on my friends and family for financial services rather than formal institutions 12 12

The amount of money I need to borrow is too small to use such a service 13 13

Formal financial institutions are not flexible enough 14 14

Interest rate is too high 15 15

Subsection 7.3: Savings

ASK ALL.

FB22. Do you save with any of the following?

ASK FOR ALL OPTIONS SELECTED IN FB22. IF NO OPTIONS SELECTED IN FB22 SKIP TO FB27

FB23. Do you know what interest rate you earn on your savings from…?

READ OUT. FB22

1=Yes

2=No

FB23

1=Yes

2=No

1 Through a bank 1 2 1 2

2 Through a Microfinance institution 1 2 1 2

3 Through a post office account 1 2 1 2

4 Insurance 1 2 1 2

5 Through a mobile money account 1 2 1 2

6 Digital card (A rechargeable card that is not attached to a bank or MFI account) These are issued to a

person by an organization (Government or non-Government) as a substitute for cash for any payment

due.

1 2 1 2

7 Other formal financial institutions (Specify) __________________________- 1 2 1 2

8 Cash at home 1 2

91

9 Savings and/or lending group

[Refers to any collection of people who save money together and involve giving credit as well.

Urban or rural. Registered or unregistered. Can be attached to a formal bank and called self-help

groups (SHGs). Could be called BC, committees, Bachat Gat,chit funds, Please probe here]

(SHGs)

1 2 1 2

10 With my community- i.e., friends, neighbors or relatives 1 2 1 2

11 A moneyguard/Someone in the workplace or neighborhood that collects and keeps savings

deposits on a regular basis 1 2 1 2

12 Gold 1 2

13 Other (Specify) ____________________________ 1 2 1 2

ASK ONLY IF DOES NOT SAVE AT A BANK (FB22.1=2). OTHERS SKIP TOFB25

FB24.. What is the main reason you do not save at a bank?

ASK ONLY IF 1 CODED FOR AT LEAST ONE OPTION IN MM2 OR MM3 (AWARE OF MOBILE

MONEY)

ASK ONLY IF DOES NOT SAVE WITHMOBILE MONEY (FB22.5=2).). OTHERS SKIP TO FB 26

FB25.. What is the main reason you do not save with mobile money?

DO NOT READ OUT. SINGLE ANSWER FB24 FB25

I can save through other means 1 1

I do not know how to open an account 2 2

I do not have a state ID or other required documents 3 3

There is no BANK/MOBILE MONEY PROVIDER institution close to where I live 4 4

Paperwork is too complicated 5 5

Registration fee is too high 6 6

I have difficulty understanding how to use such accounts, including account menus, filling

deposit/withdrawal slips, checking my balance, etc. 7 7

92

Fees for using this service are too high 8 8

No one among my friends of family saves money 9 9

I’m afraid it will be stolen 10 10

I do not trust formal financial institutions 11 11

I prefer to rely on my friends and family for financial services rather than formal institutions 12 12

The amount of money I am saving is too small to use such a service 13 13

Formal financial institutions are not flexible enough 14 14

I do not have enough money to save 15 15

Other (Specify) 96 96

ASK IF AT LEAST ONE OPTION SELECTED IN FB22. OTHERS SKIP TO FB27

FB26. . Do you save for any of the following purposes?

READ OUT. Multiple Responses

Start/expand your own business 1

Education for yourself 2

Get ready for retirement 3

Buy expensive and prestigious things such as an expensive car, jewelry, designer clothes, high-end

electronics, 4

Buy or build a house 5

Protect your family from poverty and crime 6

Protect your belongings 7

Just make ends meet on a daily basis 8

Give back to your community by giving out money, creating a charitable organization (including

orphanage, senior home, free school, etc.), or creating jobs 9

Build children’s fund for education 10

Build children’s fund for wedding (the ceremony and/or dowry) 11

Other (Please Specify) ____________________________ 21

93

DK/Refused 99

Subsection 7.4: Insurance

ASK ALL

FB27. Do you have the following insurance?

ASK FOR EACH OPTION SELECTED IN FB27. IF NOTHING SELECTED IN FB27 SKIP TO FB29

SHOWSCREEN

FB28

.Where did you buy this insurance from?

FB27 FB28

READ OUT.SINGLE ANSWER

PER ROW

Yes

No

Life Insurance

Corporation

of India (LIC)

Other government

insurance like National

Insurance company

(NIC),Agriculture

Insurance Company,

Oriental Insurance,

United India Insurance

Private Insurance

company , ICICI

Lombard, Bajaj

Allianz, Reliance

General Insurance,

Tata AIG Insurancce

Other

(Specify)

Medical 1 2 1 2 3 4

Life 1 2 1 2 3 4

Vehicle 1 2 1 2 3 4

Agriculture 1 2 1 2 3 4

House/property 1 2 1 2 3 4

Unemployment/income

protection 1 2 1 2 3 4

Retirement/pension/old age 1 2 1 2 3 4

Cattle/Livestock Insurance 1 2 1 2 3 4

Spousal or family insurance

coverage 1 2 1 2 3 4

94

Other (Specify)

_________________ 1 2 1 2 3 4

Subsection 7.5: Investment

ASK ALL

FB29.. Do you invest in any of the following?

READ OUT. SINGLE ANSWER PER ROW 1=Yes

2=No

Your own business 1 2

Other people’s business (your neighbors, friends, relatives) 1 2

Assets, such as real estate, land, precious metals, gemstones, art, etc. 1 2

Buy shares of foreign enterprises (e.g., Coca Cola, Toyota, etc) 1 2

Buy shares of local/domestic enterprises (e.g., oil and gas companies) 1 2

Buy government bonds 1 2

Other (Specify) 1 2

LANGUAGE LITERACY

ASK ALL

LN1.Can you read this text for me, please? ASK THE RESPONDENT TO READ THE CONSENT FORM

ABOUT TAKING PHOTOS ON AND CONFIRM THAT THEY UNDERSTAND IT.SINGLE CODING

FOR READING AND SINGLE CODING FOR UNDERSTANDING

95

Reading

Respondent read the photography consent form fluently and without any help from the interviewer 1

Respondent read the photography consent form well but had a little help from the interviewer 2

Respondent struggled to read the photography consent form and had a lot of help from the interviewer 3

Respondent unable to read the photography consent form and requested the interviewer read it to them 4

Understanding

The respondent fully understood the photography consent form without any help from the interviewer (confirm by asking) 1

Respondent understood the photography consent form well but asked for a little help from the interviewer 2

Respondent struggled to understand the photography consent form and asked for a lot of help from the interviewer 3

Respondent unable to understand the photography consent form and interviewer explained in full using simpler language 4

ASK ALL

SHOWSCREEN LN2

LN2. On a scale from 1 (cannot do at all) to 5 (excellent), please evaluate how do you perform in the following

areas:.ASK FOR EACH ROW ONE BY ONE. SINGLE CODING PER ROW

Excellent Good Somewhat

bad

Very bad Cannot do this at all

Reading in English 5 4 3 2 1

Writing in English 5 4 3 2 1

Reading in an Indian language that you understand

the best, besides English

_______________ (Please specify the language)

5 4 3 2 1

Writingg in an Indian language that you understand

the best, besides English

_______________ (Please specify the language)

5 4 3 2 1

96

SECTION IX: GENDER

ASK IF DL1=1-5 OR DL4=1-23,96.

GN1. Who usually decides how the money you earn will be used? Yourself, your spouse, jointly, or someone else?

SINGLE ANSWER

Self 1

Spouse 2

Joint decision 3

Parents/guardians 4

Other 96

DK 99

ASK ALL

GN2. Who in your household decides what purchases are made to meet daily household needs like food, clothing, and

cleaning supplies? Yourself, your spouse, jointly, or someone else?

SINGLE ANSWER

Self 1

Spouse 2

Joint decision 3

Parents/guardians 4

Other 96

DK 99

97

ASK ALL

GN3. Who controls assets (i.e., savings, land, and livestock) in your household? Yourself, your spouse, jointly, or

someone else?

SINGLE ANSWER

Self 1

Spouse 2

Joint decision 3

Parents/guardians 4

Other 96

DK 99

ASK ALL

GN4. Who decides what kind of financial services (e.g. using a savings account) your household uses? Yourself, your

spouse, jointly, or someone else?

SINGLE ANSWER

Self 1

Spouse 2

Joint decision 3

Parents/guardians 4

Other 96

DK 99

ASK ALL

GN5. Who decides what kind of financial services (e.g using a savings account) you can personally use? Yourself, your

spouse, jointly, or someone else?

SINGLE ANSWER

Self 1

Spouse 2

Joint decision 3

98

Parents/guardians 4

Other 96

DK 99

ASK IF DG2=2.

GQ1.Please tell me if the follow statement is true for you:

Do you have money that you can decide how to spend or save as you want without input from anyone else?

SINGLE ANSWER

Yes 1

No 2

ASK IF DG2=2 AND GQ1=1.

GQ2.Please tell me if the following statement is true for you:

Are there ways you use your own money private and not shared with anyone else in your family?

SINGLE ANSWER

Yes 1

No 2

DK/Refuse 99

ASK IF GQ2 =1.

GQ2a. Is the concern with a male member, female member, or both?

SINGLE ANSWER

Male 1

Female 2

Both 3

ASK DG2=2 AND GQ1=1.

.Do you strongly agree, somewhat agree or somewhat disagree or strongly disagree with the following statement:

99

I am worried about other family members interfering with how I use my own money.

SINGLE ANSWER

Strongly agree 1

Somewhat agree 2

Somewhat disagree 3

Strongly disagree 4

DK/Refuse 99

ASK IF GQ3 = 1.

GQ3a.Is the concern with a male member, female member or both?

SINGLE ANSWER

Male 1

Female 2

Both 3

ASK IF DG2=2.

GQ4. Overall, how do you feel that decisions about how money is spent, saved and managed in your household are

made?

SINGLE ANSWER

Very responsibly 1

Somewhat responsibly 2

Somewhat irresponsibly 3

Very irresponsibly 4

DK/Refuse 99

ASK IF DG2=2 AND MM1=1.

GQ5. I am going to name several tasks related to a mobile money account. For each, please tell me if you feel that your

financial activities are kept private between you and the mobile money agent at the time of the task.

100


GQ6 I am going to name several tasks related to a mobile money account. For each, please tell me if you are the one

who is making decisions related to that task, without being told what to do by someone else

GQ5

READ OUT. SINGLE

ANSWER.

1=Yes, are private

2=No, are not private

99=Do not know

4=Refused to answer

GQ6


1=Yes, I am making the decisions

2=No, I am not making the decisions

99=Do not know

4=Refused to answer

Adding cash to your account with an

agent

Going to an agent to open an account

Talking to an agent about your

finances

Withdrawing cash from your account

with an agent


GQ7. I am going to name several tasks related to a mobile money account. For each, please tell me if you feel that your

financial activities are kept private at the time of the transaction.

ASK IF DG2=2 AND MM1=1

GQ8. I am going to name several tasks relating to a mobile money account. For each, please tell me if you are the one

who is making decisions related to that transaction, without being told what to do by someone else

GQ7

READ OUT. SINGLE

ANSWER.

1=Yes, are private

GQ8



101


99=Do not know

4=Refused to answer


99=Do not know

4=Refused to answer

Using a phone to transfer money

Using a phone to make a purchase

Using a phone to pay a bill


GQ9. How concerned are you about a mobile money provider keeping your financial information private?

SINGLE ANSWER

Yes, very concerned 1

Yes, somewhat concerned 2

No, not that concerned 3

No, not concerned at all 4


GQ10. In your opinion, which is better for ensuring your spending decisions are kept private at the time of the

transaction: cash or mobile money?

SINGLE ANSWER. DO NOT READ.

Cash is better 1

A mobile money service is better 2

Both are equal 3

Don’t know 99

ASK IF DG2=2 AND MM1=1

GQ11.In your opinion, which of these guarantee that only you decide how your money is spent: cash or mobile money?

102


Cash is better 1


Both are equal 3

Don’t know 99


GQ12. In your opinion, which of these guarantee that no one else can access your money: cash or mobile money?


Cash is better 1


Both are equal 3

Don’t know 99

ASK IF DG 2 =2 AND (FF1 =1 OR FF4=1)

GQ13.. I am going to name several tasks related to a bank account. For each, please tell me if you feel that your financial

activities are kept private at the time of the transaction.


GQ14.I am going to name several tasks relating to a bank account. For each, please tell me if you are the one who is

making decisions related to that transaction, without being told what to do by someone else.

GQ13

READ OUT. SINGLE

ANSWER.

1=Yes, are private


99=Do not know

4=Refused to answer

GQ14




99=Do not know

4=Refused to answer

Adding cash to your account with an

ATM

103

Going to a bank branch/bank agent

to open an account

Talking to a bank branch/bank agent

about your finances

Withdrawing cash from your account

with an ATM


GQ15.I am going to name several tasks related to a bank account. For each, please tell me if you feel that your financial

activities are kept private at the time of the transaction.


GQ16. I am going to name several tasks relating to a bank account. For each, please tell me if you are the one who is

making decisions related to that transaction, without being told what to do by someone else.

GQ15

READ OUT. SINGLE

ANSWER.

1=Yes, are private


99=Do not know

4=Refused to answer

GQ16




99=Do not know

4=Refused to answer

Using a phone to transfer money

Using a phone to make a purchase

Using a phone to pay a bill


GQ17. How concerned are you about a bank keeping your financial information private?

SINGLE ANSWER

Yes, very concerned 1

Yes, somewhat concerned 2

104

No, not that concerned 3

No, not concerned at all 4


GQ18.. In your opinion, which is better for ensuring your spending decisions are kept private at the time of the

transaction: cash or bank accounts?


Cash is better 1

A bank is better 2

Both are equal 3

Don’t know 99


GQ19. In your opinion, which of these guarantee that only you decide how your money is spent: cash or bank accounts?


Cash is better 1

A bank is better 2

Both are equal 3

Don’t know 99


GQ20. In your opinion, which of these guarantee that no one else can access your money: cash or bank accounts?


Cash is better 1

A bank is better 2

Both are equal 3

Don’t know 99

105

SECTION IX: CLOSING

INT: (ADMINISTER THE INFORMED CONSENT FORM BELOW TO ALL RESPONDENTS WHO

OWN A MOBILE PHONE (CODED ‘YES’ IN MT2).

Informed Consent Form to Participate in a Separate Follow-up Study

FINANCIAL HABITS RESEARCH PROGRAM INFORMED CONSENT FORM

Company:IMRB&Intermedia IMRB in India and Intermedia would like to invite you to participate in a follow up study which explores the use of digital financial services (DFS) in India to introduce service improvements. For this study, we will track and analyze mobile-money account transactions and voice and airtime use associated with your personal SIM card. IMRB and InterMedia will not disclose any personal information gathered through this study without first asking for your permission. Everything we learn from you will be treated with the strictest confidence. To protect your privacy, we will remove all personal identifying information and information for senders and recipients of mobile money or recipients of voice calls and SMS/text messages from the survey. In case of any breach of confidentiality, you will be informed immediately. Your participation in this follow-up study is entirely voluntary and you can stop participating at any point even if you agree to the study and then change your mind. But your participation will directly contribute to the work on enhancing financial services (for example, services offered by banks or mobile money providers) so that households like yours can take advantage of the improvements. Before you decide to accept this invitation to take part in this study, you may ask the interviewer any questions about the study. If you are not satisfied with the answers, feel free to contact Project Manager in India at at 011-42697800. Before you sign this form, please ask any questions on any aspect of this study that is unclear to you. You may take as

much time as necessary to think it over

Refused Consent

1

Thank & Go to Photograph consent form

Granted Consent

2

Complete Signature Section Below

Name of Respondent (WRITE IN CAPTIAL LETTERS)

Signature

Date

Name of Person Obtaining Consent

Signature

Date

106

Photography Consent Form and Literacy Assessment Text

PHOTOGRAPHY CONSENT FORM – Please read carefully

We would like to take some photographs of you and your household. We will include some of the photographs in our

reports. We might also publish some of them online on our website.

If you agree to being photographed and to your photograph being published, please sign below

Refused Consent

1

Thank & Close

Granted Consent

2

Complete Signature Section Below

I, ___________________________ consent to being photographed for the Financial Inclusion Insights study. I further

authorize that the photographs may be published for any purpose and in any form.

Name of Respondent (WRITE IN CAPTIAL LETTERS)

Signature

Date

Name of Person Obtaining Consent

(Interviewer)

Signature

Date

RESPONDENT CONTACTS

1. Can you give me all the mobile phone numbers you use regularly to make or to receive calls and SMS/text messages?

ASK 2 AND 3 FOR ALL PHONE NUMBERS GIVEN IN 1. SHOWSCREEN 2.

2. Think about all the calls and messages that are made from this phone number.How many of those calls and messages are made by you and how many by others? SINGLE CODING PER PHONE NUMBER. SHOWSCREEN 3

3. Think about all the calls and messages that come to this phone number. How many of those calls and messages are for you and how many are for others? SINGLE CODING PER PHONE NUMBER.

1. List all phone numbers 2. Ask for each phone number 3.Ask for each phone number

107

SINGLE ANSWER

SINGLE ANSWER

1=I make all or almost all, the calls and messages from this phone number 2=I make more than half of the calls and messages from this phone number 3=I make less than half of the calls and messages from this phone number 4=Other people make almost all the calls or messages from this phone number

1=All or almost all, the calls and messages to this phone number are for me 2=More than half of the calls and messages to this phone number are for me 3=Less than half of the calls and messages to this phone number are for me 4=Calls and messages to this phone number are almost always for other people

ASK 4. ONLY IF OPTIONS 2-4 ARE CODED FOR ANY PHONE NUMBER IN QUESTION 2 OR 3 4. Who beside yourself, make or receive calls or messages on this phone number. SINGLE CODING PER ROW

READ OUT. MARK ALL THAT APPLY Yes No

Family member(s) in my household 1 2

Family member(s)/ in a different household 1 2

Other relative(s) (Specify)____________________________ 1 2

Workmate(s) or a business partner(s) 1 2

Neighbor(s), not a relative 1 2

Mobile Operator’s agent/employee 1 2

Friend(s) 1 2

People who pay me to make or receive calls and messages 1 2

Other (Specify) ______________________ 1 2

None 1

THANK AND CLOSE THE INTERVIEW

FORM 5- INTERVIEW ACCOMPANIMENT FORM

108

Name of Person Accompanying:

______________________________________________

DESIGNATION:

______________________________________________

PLEASE NOTE:

One form should be completed for each interview observed – whether completed or not

Fill out the form as soon as possible after the interview. Do not fill out the form during the interview.

Supervisor Information

Supervisor name/code

Interview Details

Respondent ID

Date

Town/Village Name

Town/Village Code

Duration of Interview (In Mins) MINUTES

Interviewer Name

Interviewer

Co

Were correct procedures followed for

selecting the respondent?

Yes 1

No (mention Reason)____________________ 2

Interviewer’s introduction Mentioned organization? YES NO

Mentioned own name? YES NO

Showed identification? YES NO

109

Described purpose of survey? YES NO

Explained that respondent was chosen at random

YES NO

Explained that respondent anonymity will be kept

confidential YES NO

Did respondent agree to participate? YES NO

If respondent refused interview, at what point did s/he refuse

Did the interviewer read the questions verbatim? YES NO

Did the interviewer tick the response correctly YES NO

Did the interviewer speak slowly and distinctly? YES NO

Did the interviewer follow proper question routing? YES NO

Did the interviewer use neutral tone? YES NO

Did the interviewer probe appropriately? YES NO

Did any problems with SHOWSCREENs occur? YES NO

Did the interviewer seem in control of the interview situation? YES NO

Did other people interfere with interview in any way? YES NO

Which specific question or parts of the questionnaire, if any, were difficult for the respondent to

answer?

Please comment on any significant problems observed during the introductory phase of interview or the interview

situation in general.

__________________________________________________________________________________

Signature of person accompanying

___________________________________

Name of Person doing back check:

1.1.1 FORM 4- BACK CHECK SHEET (to be filled post completion of interview)

110

______________________________________________

DESIGNATION:

______________________________________________

LOCATION DETAILS

INTERVIEWER DETAILS

Town/Village

Name

DATE

DETAILS

DD

MM

INTERVIEWER

NAME

TOWN/VILLAGE

CODE

Start Date

(DDMM)

INTERVIEWER

CODE

End Date

(DDMM)

Respondent ID

Date of Back Check (DDMMYY)

2 0 1 5

Back Check conducted

Telephonic

Physically (in field)

S.NO. PARTICULARS INFORMATION RECORDED

ON THE QUESTIONNAIRE

INFORMATION OBTAINED

DURING BACK-CHECK

1) Name of the respondent?

2) Date of the interview?

3) Questionnaire serial number

4) Respondent’s age?

5) Respondent’s gender?

111

6) Respondent’s highest level of education?

7) Respondent’s primary job?

8) What is the household Type?

9) Does the respondent personally own a mobile phone?

10) Does the respondent personally own a bank account?

11) Does the respondent have a registered mobile money account with one or more provider?

Any notes or comments?

__________________________________________________________________________________________________

Signature of the person who completed the back-check

______________________________________________

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