Sierra Leone Middle Class Traits Survey

1.

What Is Your Surname? (Optional - You can choose to remain anonymous)

2.

What Is Your First Name (Optional - you can choose not to disclose)

3.

What Is Your Nationality? (Enter all that apply) *

4.

What Is Your District of Origin? *

5.

What Is Your Year of Birth? *

/ / (dd/mm/yyyy)

6.

In which district do you live most of the time? *

7.

Are you currently working? *

8.

In what year did you first start working? *

9.

What is your highest academic qualification?

10.

Are your parent alive? *

11.

How many siblings do you have? (Write in numerals, eg 1,2,6,7) *

12.

What is your average monthly income? *

13.

Have you ever travelled outside your country of nationality? *

Yes
No

14.

How many trips do you make out of your country of residence per year? *

15.

How many trips have you made abroad in the last 5 years? (Enter number of trips, in numerals)

16.

Do you have any children? *

Yes
No

17.

How many children do you have?

18.

On average how much are you spending per child on school fees per child? (In Leones) *

19.

Do you have any children schooling abroad? *

Yes
No

20.

In which sector are you employed? *

Private Sector
Public Sector
NGO
Other, please specify Other, please specify

21.

If you work in the private sector, are you... *

Self employed
Employed by other
Other, please specify Other, please specify

22.

What is the nature of your accomodation? *

Owned
Leased/Rented
Other, please specify Other, please specify

23.

What is your residence type? *

Urban area
Rural area
Other, please specify Other, please specify

24.

Are you planning to move house soon?

Yes, to my own newly completed accomodation
Yes, to another rented apartment
No

25.

What is the size of your household(Please enter a number. Please exclude those away at school, who do not live at home) *

26.

How many cars do you have in your household? (Enter a number)

27.

How old is your newest car?

Less than 5 years old from manufacture
More than 5 years old from manufacture but less than 10 years
More than 10 years old from manufacture
Other, please specify Other, please specify

28.

Would you describe yourself as having a savings culture? *

Yes
No

29.

Do you know what the savings deposit interest rate is? *

Yes
No

30.

Do you expect to borrow money from a bank in future? *

Yes
No

31.

If you had the funds, which would you do as a priority? *

Invest in land/property
Invest in shares and bonds
Go abroad
Other, please specify Other, please specify

32.

What are your primary sources of information? *

TV
Radio
Internet
Newspapers
Grapevine
Other, please specify Other, please specify

33.

Do you have an existing mortgage? *

Yes
No

34.

Do you expect to apply for a mortgage soon?

Yes
No

35.

Do you have a credit card? *

Yes
No

36.

Do you expect to apply for a credit card soon

Yes
No

37.

What is your gender *

Male
Female
Other, please specify Other, please specify

38.

Do you have internet access? *

Yes
No

39.

Do you shop online? *

Yes
No

40.

How often do you shop online? *

At least once a month
More than once but less than 4 times a month
Less than once a month
Other, please specify Other, please specify

41.

Where do you normally shop? *

Open-air markets
Convenience Stores
Supermarkets
Other, please specify Other, please specify

42.

How often do you dine out? *

At least once a week
At least once a month
About twice a year
Other, please specify Other, please specify

43.

Have you ever travelled abroad? *

Yes
No

44.

How many members of your household have an international passport? *

At least 1 person
All members of the household
Most but not all members of the household

45.

Where do you most often travel to? *

UK
US
West Africa
Other Africa
Asia/Middle East
Russia
Other, please specify Other, please specify

46.

What are your two most key concerns over the next year? *

Electricity
Unemployment
Crime
Corruption
Other, please specify Other, please specify

47.

Are you optimistic about the future of Sierra Leone? *

Yes
No
I don't know

48.

If you are optimistic, tell us why? *

Economic Statistics
Sierra Leone’s Youth Opportunities
God will make It Better
Other, please specify Other, please specify

49.

Would you describe yourself as religious or spiritual? *

Yes
No

50.

Do you own a fridge? (If yes, skip to q. 53) *

Yes
No

51.

If no, can you afford to buy a fridge, if you chose to?

Yes
No

52.

If you were offered a loan to buy a fridge, would you take it?

Yes
No

53.

Do you own a fridge freezer? (If yes, skip to q. 56) *

Yes
No

54.

If no, can you afford to buy a fridge freezer, if you chose to?

Yes
No

55.

If you were offered a loan to buy a fridge freezer, would you take it?

Yes
No

56.

Do you own a washing machine? (If yes skip to q. 59) *

Yes
No

57.

If no, can you afford to buy one if you chose to?

Yes
No

58.

If you were offered a loan to buy a washing machine, would you take it?

Yes
No

59.

Do you plan to buy a washing machine in the next 12 months? *

Yes
No

60.

Do you plan to buy a washing machine in the next 5 years? *

Yes
No

61.

Do you have a microwave oven? (If yes skip to q. 64) *

Yes
No

62.

If no, can you afford to buy a microwave oven, if you chose to?

Yes
No

63.

If you were offered a loan to buy a microwave oven, would you take it?

Yes
No

64.

Do you have an automatic dishwasher? *

Yes
No

65.

If no, do you plan to buy one in the next 12 months? *

Yes
No

66.

Do you plan to buy an automatic dishwasher in the next 5 years? *

Yes
No

67.

Do you participate in physical leisure activities eg swimming or karate? *

Yes
No

68.

Do you regularly go to the movies or theatres? *

Yes
No

69.

Do you ever travel abroad for leisure? *

Yes
No

70.

Where do you do the bulk of your shopping? *

Shopping Malls
Open Air Markets
Supermarkets
Corner Shops
In Traffic
Other, please specify Other, please specify

71.

Do you own your own home? (if yes, skip to q. 73) *

Yes
No

72.

If no, do you aspire to own your own home?

Yes
No

73.

Do you often entertain at home? *

Yes
No

74.

Would you be interested in taking a mortgage loan, if it were available? *

Yes
No

75.

How many mobile phones do you use? *

0
1
2
3
More than 3

76.

In general, do you spend more on lunch than on airtime on average (voice and data) *

Yes
No

77.

Do you use the internet for leisure? *

Yes
No

78.

If you had a lump sum to spend, what would you rather spend it on? *

Land/Property
Education
A Car
Electronics
A vacation
Other, please specify Other, please specify

79.

Would you prefer to get an overseas higher education or a local one? *

Overseas
Local

80.

Which banks do you respect most? (Choose 2) *

Access Bank
Ecobank
FBN Sierra Leone
First International Bank
Rokel Commercial Bank
Sierra Leone Commercial Bank
Skye Bank
Union Trust Bank
United Bank For Africa
Zenith Bank

81.

Do you think your bank is an ideal financial services provider? *

Yes
No

82.

With your bank, is it easy to withdraw money? *

Yes
No

83.

With your bank, is it possible to borrow small amounts? *

Yes
No

84.

With your bank, does it require much documentation to open an account? *

Yes
No

85.

With your bank, is the interest rate charged on loans too high? *

Yes
No

86.

Compared to your bank, is the interest rate charged by micro finance institutions too high? *

Yes
No

87.

Do you currently have a mortgage? *

Yes
No

88.

Do you currently have concerns over property rights? *

Yes
No

89.

Are you concerned about the duration of bank funding? *

Yes
No

90.

Do you operate a bank account? *

Yes
No

91.

If yes, what is the name of your bank? *

92.

Do you consider your bank as a place for storing money or a source of loans? *

Store For Money
Source of Loans
Other, please specify Other, please specify

93.

What is the reason why you have a bank account? *

Saving money
Earning interest on deposits
Other, please specify Other, please specify

94.

Have you ever applied for a loan? *

Yes
No

95.

Do you have any intention of applying for a loan in the next 1 to 5 years? *

Yes
No

96.

Do you think your bank is there to provide loans to customers? *

Yes
No

97.

Do you think banks have the ability to transform the Sierra Leonean market place? *

Yes
No

98.

Do you believe a permanent address is compulsory for retail lending? *

Yes
No

99.

Do you believe a permanent address is compulsory for insurance coverage? *

Yes
No

100.

Do you believe a permanent address is compulsory for micro-finance banking? *

Yes
No

101.

Have you ever used a credit card? *

Yes
No

102.

Do you intend to apply for a credit card in future?

Yes
No

103.

Given a large sum of money, would you rather... *

Deposit it in a bank
Invest in land/property
Invest in stocks and shares
Invest in government bonds
Invest in foreign currency
Other, please specify Other, please specify

104.

What investment do you have planned in the next 12 months? *

Starting a business
Investing in land
Purchasing a property
Other, please specify Other, please specify

105.

What do you currently invest in? *

My own business
Land
Property
Stocks and shares
Foreign echange
Government Bonds
Other, please specify Other, please specify

106.

How many family members are in your household? (Enter number) *

107.

How many children are in your household? (Enter number) *

108.

How many rooms are in your apartment or house? *

3 or Less
4 to 5
More than 5

109.

What type of property do you live in? *

Flat/apartment/blockhouse without condominiumfacilities
Single/double-room tenement with shared facilities
House/apartment within a gated complex/gated community
Detached house/bungalow
Communal flat/house
Semi-detached house/bungalow
Flat/apartment/blockhouse with condominium facilities – e.g. pool, gym etc.
Terraced house/row house
Other, please specify Other, please specify

110.

What type of property title do you have? *

Rented/leased
Owned by occupant
Subsidized house/flat – e.g. accommodation provided at reduced rent or rent free by local government, employer, charity, etc.
Accommodation owned by family/relatives/friends provided at reduced rent or rent free
Other, please specify Other, please specify

111.

How many average hours of electricity do you have per day? *

6 hours or less
7 to 12 hours
13 to 18 hours
24 hours
Other, please specify Other, please specify

112.

How is gas supplied to your residence? *

Gas Bottle
Gas Cylinder
Gas piped directly into home
No gas
Other, please specify Other, please specify

113.

Do you have air conditioning in your residence? *

Yes
No

114.

Do you have an electronic home security system? *

Yes
No

115.

Which household bathroom facilities do you have at home? *

Seated flushing toilet without heating/washing system
Seated flushing toilet with heating/washing system
Seated/non-seated manually flushed toilet eg water bucket
Non-seated flushing tilet eg squat toilet
Pit toilet
Blair Toilet (specialized pit toilet)
Other, please specify Other, please specify

116.

What is the source of your household water? *

Municipal utility supplies water to taps inside home
Bore well inside home/courtyard with electric pump
Communal tap/hand pump
Open well inside home/courtyard
Natural sources – e.g. stream/river/lake
Bore well inside home/courtyard with hand pump
Communal rain storage tanks/communal well
Bottled water/jerry cans
Tanker or other water delivery to your home
Other, please specify Other, please specify

117.

What is your level of education? *

Secondary school - completed
Secondary school - failed to complete
College/university graduate
College/university - failed to complete
Postgraduate studies – completed
Postgraduate studies - Failed to complete
Prefer not to say
Other, please specify Other, please specify

118.

What is your attitude towards you children's/wards education *

Must complete High School in a Sierra Leonean institution
Can complete High School Anywhere in the world

119.

In terms of university education for my children... *

I aspire to send my children abroad for university education
I want to send my children to Sierra Leonean universities
I dont intend to fund their post secondary education

120.

What is your preferred profession for your children? *

Unsure/cannot say
Social worker
Teacher
Skilled manual worker
Politician
Work abroad
Business owner
Journalist
IT/computer specialist
Work in the oil/gas industry
Banker
Accountant
Lawyer
Doctor
Engineer
Other, please specify Other, please specify

121.

Are you optimistic about the future of Sierra Leone? *

Yes
No

122.

If you are optimistic, what are your reasons for being optimistic? (tick all that apply)

I believe things will be better
Things are better under the new government
I believe God will make it better
If we continue to have free and fair elections like the last one/reform within the Electoral Commission
If there is a good administration
If economic standards are high/good resources management
Because of the plans of the present leader
Because of credible transparency
If corruption is eradicated
The public/masses are becoming more liberated/informed
If politicians change
Other, please specify Other, please specify

123.

If you are pessimistic, what are your reasons for being pessimistic?

Because of bad politicians/corrupt leaders
Things will remain the same/will continue to get worse
Because everybody is corrupt/greedy
Fast growth in the level of corruption/bribery
Crime rate is increasing
They are not giving the right people the chance to rule
The government is now autocratic
Because of credible transparency
Lack of economic growth/development
Economic/infrastructural 10.Lack of good governance
Lack of progress in life/business
High petroleum prices
Not having a good family
Corruption
Poverty
Crime rate (kidnapping; terrorism)
Low quality of education
Lack of security
Poor roads
Unemployment
Supply of power
Unsure
Nothing
Other
Other, please specify Other, please specify

124.

Fixed Assets

125.

Over the next 12 months I intend to..:

Move to my newly completed apartment
Move to a new rented apartment
Refurbish my current property

126.

If refurbishing your property, is it a *

Major refurbishment
Minor refurbishment

127.

How much of the cost of refurbishment or new home would you be willing to cover with a loan? *

0%
10%
20%
30%
40%
50%
60%
No plan

128.

Do you own a car? (If no, skip to q.130)

Yes
No

129.

Age of car owned (in years) Write number

1 or less
2
3
4
5
6
7
8
9
10
11
12
13
14
15
More than 15
Other, please specify Other, please specify

130.

Car brand by country of manufacture *

Japan
Germany
America
Russia
France
China
Korea
Unsure
Other, please specify Other, please specify

131.

Your opinion about banks *

132.

Your opinion about insurance companies *

133.

Your opinion about micro-finance institutions *

134.

Your opinion about esusu/savings clubs *

135.

ATM/Debit Cards *

Matrix question empty cell	Have never used	Used to use but not anymore	Have now and still use	Have now, but do not use
ATM/Debit card	ATM/Debit card Have never used	ATM/Debit card Used to use but not anymore	ATM/Debit card Have now and still use	ATM/Debit card Have now, but do not use

136.

Credit cards *

Matrix question empty cell	Have never used	Used to use but not anymore	Have now and still use	Have now, but do not use
Credit cards	Credit cards Have never used	Credit cards Used to use but not anymore	Credit cards Have now and still use	Credit cards Have now, but do not use

137.

Savings Accounts *

Matrix question empty cell	Have never used	Used to use but not anymore	Have now and still use	Have now, but do not use
Savings account	Savings account Have never used	Savings account Used to use but not anymore	Savings account Have now and still use	Savings account Have now, but do not use

138.

Current Account *

Matrix question empty cell	Have never used	Used to use but not anymore	Have now and still use	Have now, but do not use
Current account	Current account Have never used	Current account Used to use but not anymore	Current account Have now and still use	Current account Have now, but do not use

139.

Fixed Deposit Account *

Matrix question empty cell	Have never used	Used to use but not anymore	Have now and still use	Have now, but do not use
Fixed deposit account	Fixed deposit account Have never used	Fixed deposit account Used to use but not anymore	Fixed deposit account Have now and still use	Fixed deposit account Have now, but do not use

140.

Do you intend to apply for a credit card in the future? *

Yes
No

141.

Your general impression about banks in Sierra Leone

Matrix question empty cell	Mostly favourable impression	Neutral	Mostly unfavourable impression
Access Bank	Access Bank Mostly favourable impression	Access Bank Neutral	Access Bank Mostly unfavourable impression
Bank PHB/Keystone Bank	Bank PHB/Keystone Bank Mostly favourable impression	Bank PHB/Keystone Bank Neutral	Bank PHB/Keystone Bank Mostly unfavourable impression
Ecobank	Ecobank Mostly favourable impression	Ecobank Neutral	Ecobank Mostly unfavourable impression
First International Bank (FIBank)	First International Bank (FIBank) Mostly favourable impression	First International Bank (FIBank) Neutral	First International Bank (FIBank) Mostly unfavourable impression
FBN Sierra Leone (First Bank of Nigeria/ICB)	FBN Sierra Leone (First Bank of Nigeria/ICB) Mostly favourable impression	FBN Sierra Leone (First Bank of Nigeria/ICB) Neutral	FBN Sierra Leone (First Bank of Nigeria/ICB) Mostly unfavourable impression
Guaranty Trust Bank (GTBank)	Guaranty Trust Bank (GTBank) Mostly favourable impression	Guaranty Trust Bank (GTBank) Neutral	Guaranty Trust Bank (GTBank) Mostly unfavourable impression
Rokel Commercial Bank (RCB)	Rokel Commercial Bank (RCB) Mostly favourable impression	Rokel Commercial Bank (RCB) Neutral	Rokel Commercial Bank (RCB) Mostly unfavourable impression
Sierra Leone Commercial Bank (SLCB)	Sierra Leone Commercial Bank (SLCB) Mostly favourable impression	Sierra Leone Commercial Bank (SLCB) Neutral	Sierra Leone Commercial Bank (SLCB) Mostly unfavourable impression
Skye Bank	Skye Bank Mostly favourable impression	Skye Bank Neutral	Skye Bank Mostly unfavourable impression
Standard Chartered Bank (SCB)	Standard Chartered Bank (SCB) Mostly favourable impression	Standard Chartered Bank (SCB) Neutral	Standard Chartered Bank (SCB) Mostly unfavourable impression
United Bank for Africa (UBA)	United Bank for Africa (UBA) Mostly favourable impression	United Bank for Africa (UBA) Neutral	United Bank for Africa (UBA) Mostly unfavourable impression
Union Trust Bank (UTB)	Union Trust Bank (UTB) Mostly favourable impression	Union Trust Bank (UTB) Neutral	Union Trust Bank (UTB) Mostly unfavourable impression
Zenith Bank	Zenith Bank Mostly favourable impression	Zenith Bank Neutral	Zenith Bank Mostly unfavourable impression

142.

The Key reason why I have a bank account is *

To join the class of people who use banks
To pay for insurance
To pay loans
To access a business loan
To pay bills
To earn interest
To pay in your salary
To access loans to acquire assets
To deposit money from your business
To send and receive money safely
To keep money in a safe place
To withdraw money when you need it
To save money
Other, please specify Other, please specify

143.

The key reason for which i save money is... *

To start a new business
To pay for a vacation/holiday
To go abroad
To purchase livestock/cattle
To purchase a car/motorcycle
To purchase shares/stock/bonds
To purchase household goods
To purchase personal goods (clothes, shoes, jewellery)
To pay for house improvements
To use later in life/old age
To pay medical expenses
To purchase property
To expand your business
To pay for your/your family's education
To meet day-to-day needs when lacking funds
In the event of an emergency
Other, please specify Other, please specify

144.

The key reason why I don't have savings is...

Do not trust savings clubs/cooperatives
Unsure how to save
Unsure what the benefits of saving are
Do not trust banks
Unemployed
Do not believe in savings
Do not earn enough to save (nothing to save)
Other, please specify Other, please specify

145.

What would do with a large sum of money that you do not intend to
spend immediately? *

Deposit it with a wonder bank*
Give it to someone for safekeeping
Deposit it with an insurance company
Deposit it with a cooperative society
Convert it to foreign currency
Invest it in government bonds
Keep it at home
Place it with an asset management company
Deposit it with an informal savings club
Invest it in agriculture/business
Invest it in stocks and shares
Purchase land/property
Deposit it with a bank
Unsure
Other, please specify Other, please specify

146.

What would you do with a large sum of money that you intend to spend immediately? *

Business
Invest in government bonds
Pay debts
Do something charitable
Pay bills
Purchase a vacation for yourself/family
Purchase items, e.g. car, electronics
Invest in agriculture/livestock/trading
Invest in stocks and shares
Spend it on education for yourself/family
Purchase a large item, e.g. property/land
Unsure
Other, please specify Other, please specify

147.

Investments *

Matrix question empty cell	Have never invested in	Used to have an investment in	Currently invest in	Intend to invest in over the next twelve months	Expect to have invested in over the next five years
Another house/property to rent out	Another house/property to rent out Have never invested in	Another house/property to rent out Used to have an investment in	Another house/property to rent out Currently invest in	Another house/property to rent out Intend to invest in over the next twelve months	Another house/property to rent out Expect to have invested in over the next five years
Land	Land Have never invested in	Land Used to have an investment in	Land Currently invest in	Land Intend to invest in over the next twelve months	Land Expect to have invested in over the next five years
Farm Land	Farm Land Have never invested in	Farm Land Used to have an investment in	Farm Land Currently invest in	Farm Land Intend to invest in over the next twelve months	Farm Land Expect to have invested in over the next five years
Cattle/livestock	Cattle/livestock Have never invested in	Cattle/livestock Used to have an investment in	Cattle/livestock Currently invest in	Cattle/livestock Intend to invest in over the next twelve months	Cattle/livestock Expect to have invested in over the next five years
Mutual Funds	Mutual Funds Have never invested in	Mutual Funds Used to have an investment in	Mutual Funds Currently invest in	Mutual Funds Intend to invest in over the next twelve months	Mutual Funds Expect to have invested in over the next five years
Shares on the stock exchange	Shares on the stock exchange Have never invested in	Shares on the stock exchange Used to have an investment in	Shares on the stock exchange Currently invest in	Shares on the stock exchange Intend to invest in over the next twelve months	Shares on the stock exchange Expect to have invested in over the next five years
Own business	Own business Have never invested in	Own business Used to have an investment in	Own business Currently invest in	Own business Intend to invest in over the next twelve months	Own business Expect to have invested in over the next five years
Another business	Another business Have never invested in	Another business Used to have an investment in	Another business Currently invest in	Another business Intend to invest in over the next twelve months	Another business Expect to have invested in over the next five years
Collectibles like jewelry	Collectibles like jewelry Have never invested in	Collectibles like jewelry Used to have an investment in	Collectibles like jewelry Currently invest in	Collectibles like jewelry Intend to invest in over the next twelve months	Collectibles like jewelry Expect to have invested in over the next five years
Offshore investments	Offshore investments Have never invested in	Offshore investments Used to have an investment in	Offshore investments Currently invest in	Offshore investments Intend to invest in over the next twelve months	Offshore investments Expect to have invested in over the next five years
Esusu/savings societies	Esusu/savings societies Have never invested in	Esusu/savings societies Used to have an investment in	Esusu/savings societies Currently invest in	Esusu/savings societies Intend to invest in over the next twelve months	Esusu/savings societies Expect to have invested in over the next five years
Buying or making goods to sell	Buying or making goods to sell Have never invested in	Buying or making goods to sell Used to have an investment in	Buying or making goods to sell Currently invest in	Buying or making goods to sell Intend to invest in over the next twelve months	Buying or making goods to sell Expect to have invested in over the next five years
Starting a business	Starting a business Have never invested in	Starting a business Used to have an investment in	Starting a business Currently invest in	Starting a business Intend to invest in over the next twelve months	Starting a business Expect to have invested in over the next five years
Lending money to other people with interest/a return	Lending money to other people with interest/a return Have never invested in	Lending money to other people with interest/a return Used to have an investment in	Lending money to other people with interest/a return Currently invest in	Lending money to other people with interest/a return Intend to invest in over the next twelve months	Lending money to other people with interest/a return Expect to have invested in over the next five years
Savings policies, endowments or life insurance	Savings policies, endowments or life insurance Have never invested in	Savings policies, endowments or life insurance Used to have an investment in	Savings policies, endowments or life insurance Currently invest in	Savings policies, endowments or life insurance Intend to invest in over the next twelve months	Savings policies, endowments or life insurance Expect to have invested in over the next five years
Improving your home	Improving your home Have never invested in	Improving your home Used to have an investment in	Improving your home Currently invest in	Improving your home Intend to invest in over the next twelve months	Improving your home Expect to have invested in over the next five years
Voluntary pension contributions	Voluntary pension contributions Have never invested in	Voluntary pension contributions Used to have an investment in	Voluntary pension contributions Currently invest in	Voluntary pension contributions Intend to invest in over the next twelve months	Voluntary pension contributions Expect to have invested in over the next five years

148.

With regards to loans, I... *

currently have a loan in my name
used to have a loan in my name, but no longer do
Have never applied for a loan
Have applied for a loan but never been successful in securing one

149.

If you have a loan, describe the type of loan you currently hold

Loan from an employer
Loan from an unlicensed money lender
Overdraft
Loan from the government to start/operate a business
Loan from a family member/friend to start/operate a business
Loan from a bank to start/operate a business
Mortgage or housing loan
Government grant to build a house
Loan from a family member/friend
Loan from a micro-finance institution
Loan from a cooperative
Loan from a bank
No Intention to take out a loan

150.

Loan intention in the next 12 months *

Loan from an employer
Loan from an unlicensed money lender
Overdraft
Loan from the government to start/operate a business
Loan from a family member/friend to start/operate a business
Loan from a bank to start/operate a business
Mortgage or housing loan
Government grant to build a house
Loan from a family member/friend
Loan from a microfinance institution
Loan from a cooperative
Loan from a bank
No intention to take out a loan

151.

Loan intention in the next 5 years

Loan from an employer
Loan from an unlicensed money lender
Overdraft
Loan from the government to start/operate a business
Loan from a family member/friend to start/operate a business
Loan from a bank to start/operate a business
Mortgage or housing loan
Government grant to build a house
Loan from a family member/friend
Loan from a microfinance institution
Loan from a cooperative
Loan from a bank
No intention to take out a loan
Other, please specify Other, please specify

152.

Social participation *

Matrix question empty cell	Everyday/Most Days	Once a week	Once a month	Less than once a month	Never
Eat meals at home with other members of the household	Eat meals at home with other members of the household Everyday/Most Days	Eat meals at home with other members of the household Once a week	Eat meals at home with other members of the household Once a month	Eat meals at home with other members of the household Less than once a month	Eat meals at home with other members of the household Never
Eat a sit down meal in a restaurant	Eat a sit down meal in a restaurant Everyday/Most Days	Eat a sit down meal in a restaurant Once a week	Eat a sit down meal in a restaurant Once a month	Eat a sit down meal in a restaurant Less than once a month	Eat a sit down meal in a restaurant Never
Eat out in a restaurant that serves foreign food	Eat out in a restaurant that serves foreign food Everyday/Most Days	Eat out in a restaurant that serves foreign food Once a week	Eat out in a restaurant that serves foreign food Once a month	Eat out in a restaurant that serves foreign food Less than once a month	Eat out in a restaurant that serves foreign food Never
Eat a takeaway meal	Eat a takeaway meal Everyday/Most Days	Eat a takeaway meal Once a week	Eat a takeaway meal Once a month	Eat a takeaway meal Less than once a month	Eat a takeaway meal Never
Drink or snack in a cafe or bar	Drink or snack in a cafe or bar Everyday/Most Days	Drink or snack in a cafe or bar Once a week	Drink or snack in a cafe or bar Once a month	Drink or snack in a cafe or bar Less than once a month	Drink or snack in a cafe or bar Never
Shop for groceries	Shop for groceries Everyday/Most Days	Shop for groceries Once a week	Shop for groceries Once a month	Shop for groceries Less than once a month	Shop for groceries Never
Shop for clothes/fashion accesories	Shop for clothes/fashion accesories Everyday/Most Days	Shop for clothes/fashion accesories Once a week	Shop for clothes/fashion accesories Once a month	Shop for clothes/fashion accesories Less than once a month	Shop for clothes/fashion accesories Never
Shop for pleasure, browsing, window shopping	Shop for pleasure, browsing, window shopping Everyday/Most Days	Shop for pleasure, browsing, window shopping Once a week	Shop for pleasure, browsing, window shopping Once a month	Shop for pleasure, browsing, window shopping Less than once a month	Shop for pleasure, browsing, window shopping Never
Attend a club/association/society meeting	Attend a club/association/society meeting Everyday/Most Days	Attend a club/association/society meeting Once a week	Attend a club/association/society meeting Once a month	Attend a club/association/society meeting Less than once a month	Attend a club/association/society meeting Never
Attend a place of worship/take place in religious activities/regularly pray at home	Attend a place of worship/take place in religious activities/regularly pray at home Everyday/Most Days	Attend a place of worship/take place in religious activities/regularly pray at home Once a week	Attend a place of worship/take place in religious activities/regularly pray at home Once a month	Attend a place of worship/take place in religious activities/regularly pray at home Less than once a month	Attend a place of worship/take place in religious activities/regularly pray at home Never
Help others/volunteer for social work	Help others/volunteer for social work Everyday/Most Days	Help others/volunteer for social work Once a week	Help others/volunteer for social work Once a month	Help others/volunteer for social work Less than once a month	Help others/volunteer for social work Never
Recycle household rubbish/separate waste for recycling	Recycle household rubbish/separate waste for recycling Everyday/Most Days	Recycle household rubbish/separate waste for recycling Once a week	Recycle household rubbish/separate waste for recycling Once a month	Recycle household rubbish/separate waste for recycling Less than once a month	Recycle household rubbish/separate waste for recycling Never
Take photos - digital or otherwise	Take photos - digital or otherwise Everyday/Most Days	Take photos - digital or otherwise Once a week	Take photos - digital or otherwise Once a month	Take photos - digital or otherwise Less than once a month	Take photos - digital or otherwise Never
Read books	Read books Everyday/Most Days	Read books Once a week	Read books Once a month	Read books Less than once a month	Read books Never
Listen to music	Listen to music Everyday/Most Days	Listen to music Once a week	Listen to music Once a month	Listen to music Less than once a month	Listen to music Never
Cook	Cook Everyday/Most Days	Cook Once a week	Cook Once a month	Cook Less than once a month	Cook Never
Play electronic or video games	Play electronic or video games Everyday/Most Days	Play electronic or video games Once a week	Play electronic or video games Once a month	Play electronic or video games Less than once a month	Play electronic or video games Never
Watch live sprts or sports programs on TV	Watch live sprts or sports programs on TV Everyday/Most Days	Watch live sprts or sports programs on TV Once a week	Watch live sprts or sports programs on TV Once a month	Watch live sprts or sports programs on TV Less than once a month	Watch live sprts or sports programs on TV Never
Exercise to keep fit	Exercise to keep fit Everyday/Most Days	Exercise to keep fit Once a week	Exercise to keep fit Once a month	Exercise to keep fit Less than once a month	Exercise to keep fit Never
Attend a gym/health club	Attend a gym/health club Everyday/Most Days	Attend a gym/health club Once a week	Attend a gym/health club Once a month	Attend a gym/health club Less than once a month	Attend a gym/health club Never
Participate in sports that require significant expenditure on equipment eg golf or horse riding	Participate in sports that require significant expenditure on equipment eg golf or horse riding Everyday/Most Days	Participate in sports that require significant expenditure on equipment eg golf or horse riding Once a week	Participate in sports that require significant expenditure on equipment eg golf or horse riding Once a month	Participate in sports that require significant expenditure on equipment eg golf or horse riding Less than once a month	Participate in sports that require significant expenditure on equipment eg golf or horse riding Never
Play organised team sports	Play organised team sports Everyday/Most Days	Play organised team sports Once a week	Play organised team sports Once a month	Play organised team sports Less than once a month	Play organised team sports Never
Visit a health spa	Visit a health spa Everyday/Most Days	Visit a health spa Once a week	Visit a health spa Once a month	Visit a health spa Less than once a month	Visit a health spa Never
Clean or perform other household chores	Clean or perform other household chores Everyday/Most Days	Clean or perform other household chores Once a week	Clean or perform other household chores Once a month	Clean or perform other household chores Less than once a month	Clean or perform other household chores Never
Spend time with children or grandchildren at home or elsewhere	Spend time with children or grandchildren at home or elsewhere Everyday/Most Days	Spend time with children or grandchildren at home or elsewhere Once a week	Spend time with children or grandchildren at home or elsewhere Once a month	Spend time with children or grandchildren at home or elsewhere Less than once a month	Spend time with children or grandchildren at home or elsewhere Never
Chat on the phone oe over the internet with friends	Chat on the phone oe over the internet with friends Everyday/Most Days	Chat on the phone oe over the internet with friends Once a week	Chat on the phone oe over the internet with friends Once a month	Chat on the phone oe over the internet with friends Less than once a month	Chat on the phone oe over the internet with friends Never
Entertain friends at home	Entertain friends at home Everyday/Most Days	Entertain friends at home Once a week	Entertain friends at home Once a month	Entertain friends at home Less than once a month	Entertain friends at home Never
Diet to lose weight	Diet to lose weight Everyday/Most Days	Diet to lose weight Once a week	Diet to lose weight Once a month	Diet to lose weight Less than once a month	Diet to lose weight Never
Visit a beauty parlour or hair salon	Visit a beauty parlour or hair salon Everyday/Most Days	Visit a beauty parlour or hair salon Once a week	Visit a beauty parlour or hair salon Once a month	Visit a beauty parlour or hair salon Less than once a month	Visit a beauty parlour or hair salon Never
Attend celebrations/parties	Attend celebrations/parties Everyday/Most Days	Attend celebrations/parties Once a week	Attend celebrations/parties Once a month	Attend celebrations/parties Less than once a month	Attend celebrations/parties Never
Visit a disco, nightclub or karaoke bar	Visit a disco, nightclub or karaoke bar Everyday/Most Days	Visit a disco, nightclub or karaoke bar Once a week	Visit a disco, nightclub or karaoke bar Once a month	Visit a disco, nightclub or karaoke bar Less than once a month	Visit a disco, nightclub or karaoke bar Never
Attend concerts/stage performances	Attend concerts/stage performances Everyday/Most Days	Attend concerts/stage performances Once a week	Attend concerts/stage performances Once a month	Attend concerts/stage performances Less than once a month	Attend concerts/stage performances Never
Attend sporting events	Attend sporting events Everyday/Most Days	Attend sporting events Once a week	Attend sporting events Once a month	Attend sporting events Less than once a month	Attend sporting events Never
Go to theatre or cinema	Go to theatre or cinema Everyday/Most Days	Go to theatre or cinema Once a week	Go to theatre or cinema Once a month	Go to theatre or cinema Less than once a month	Go to theatre or cinema Never
Have a day out (go sightseeing)	Have a day out (go sightseeing) Everyday/Most Days	Have a day out (go sightseeing) Once a week	Have a day out (go sightseeing) Once a month	Have a day out (go sightseeing) Less than once a month	Have a day out (go sightseeing) Never
Visit a public library	Visit a public library Everyday/Most Days	Visit a public library Once a week	Visit a public library Once a month	Visit a public library Less than once a month	Visit a public library Never
Attend classes for leisure (eg dance.arts. flower arranging, languages)	Attend classes for leisure (eg dance.arts. flower arranging, languages) Everyday/Most Days	Attend classes for leisure (eg dance.arts. flower arranging, languages) Once a week	Attend classes for leisure (eg dance.arts. flower arranging, languages) Once a month	Attend classes for leisure (eg dance.arts. flower arranging, languages) Less than once a month	Attend classes for leisure (eg dance.arts. flower arranging, languages) Never
Play informal team sports (football outside)	Play informal team sports (football outside) Everyday/Most Days	Play informal team sports (football outside) Once a week	Play informal team sports (football outside) Once a month	Play informal team sports (football outside) Less than once a month	Play informal team sports (football outside) Never
Participate in outdoor activities or nature oriented sports (eg hiking)	Participate in outdoor activities or nature oriented sports (eg hiking) Everyday/Most Days	Participate in outdoor activities or nature oriented sports (eg hiking) Once a week	Participate in outdoor activities or nature oriented sports (eg hiking) Once a month	Participate in outdoor activities or nature oriented sports (eg hiking) Less than once a month	Participate in outdoor activities or nature oriented sports (eg hiking) Never
Participate in some other kind of excercise (eg walking)	Participate in some other kind of excercise (eg walking) Everyday/Most Days	Participate in some other kind of excercise (eg walking) Once a week	Participate in some other kind of excercise (eg walking) Once a month	Participate in some other kind of excercise (eg walking) Less than once a month	Participate in some other kind of excercise (eg walking) Never

153.

Number of trips taken abroad this year

1
2
3
More than 3
Other, please specify Other, please specify

154.

Destination of Trips by percentage

United States of America

United Kingdom

France

Spain

Dubai

South Africa

Nigeria

Ghana

Israel

Saudi Arabia

Kenya

Other West Africa

Other East Africa

Other Europe/Middle East

155.

Where do you purchase household products primarily? *

Open-air markets in towns or cities
Convenience stores/small supermarkets
Kiosks (in neighbourhoods)
Hypermarkets
Tabletops (in neighbourhoods)
Drugstore/pharmacy/chemist
Medium-sized supermarket
Hawkers in towns or cities
Rural open-air markets
Wholesalers/warehouses
Discounters
Hawkers in rural areas
Direct selling
Online supermarkets/hypermarkets/stores
Telephone ordering
Other, please specify Other, please specify

156.

What are your main sources of information? *

Newspaper
Radio
Television
Internet
Other, please specify Other, please specify

157.

Frequency of internet access per week *

One day
Two days
Three days
Four days
Five days
Six days
Seven days
Other, please specify Other, please specify

158.

Location where internet is accessed *

Home
Work
Internet cafe
Mobile device
Other (e.g. friend's house, hotel)
Other, please specify Other, please specify

Matrix question empty cell	I currently own...	Intend to buy in the next 12 months	Intend to buy in the next 5 years
Refridgerator	Refridgerator I currently own...	Refridgerator Intend to buy in the next 12 months	Refridgerator Intend to buy in the next 5 years
Fridge Freezer	Fridge Freezer I currently own...	Fridge Freezer Intend to buy in the next 12 months	Fridge Freezer Intend to buy in the next 5 years
Separate deep freezer	Separate deep freezer I currently own...	Separate deep freezer Intend to buy in the next 12 months	Separate deep freezer Intend to buy in the next 5 years
Cooker	Cooker I currently own...	Cooker Intend to buy in the next 12 months	Cooker Intend to buy in the next 5 years
Vacuum Cleaner	Vacuum Cleaner I currently own...	Vacuum Cleaner Intend to buy in the next 12 months	Vacuum Cleaner Intend to buy in the next 5 years
Floor Polisher	Floor Polisher I currently own...	Floor Polisher Intend to buy in the next 12 months	Floor Polisher Intend to buy in the next 5 years
Electric kettle	Electric kettle I currently own...	Electric kettle Intend to buy in the next 12 months	Electric kettle Intend to buy in the next 5 years
Pressure cooker/Rice Cooker	Pressure cooker/Rice Cooker I currently own...	Pressure cooker/Rice Cooker Intend to buy in the next 12 months	Pressure cooker/Rice Cooker Intend to buy in the next 5 years
Microwave Oven	Microwave Oven I currently own...	Microwave Oven Intend to buy in the next 12 months	Microwave Oven Intend to buy in the next 5 years
Washing Machine	Washing Machine I currently own...	Washing Machine Intend to buy in the next 12 months	Washing Machine Intend to buy in the next 5 years
Tumble Dryer	Tumble Dryer I currently own...	Tumble Dryer Intend to buy in the next 12 months	Tumble Dryer Intend to buy in the next 5 years
Dish Washing Machine	Dish Washing Machine I currently own...	Dish Washing Machine Intend to buy in the next 12 months	Dish Washing Machine Intend to buy in the next 5 years
Electric Deep Fat Fryer	Electric Deep Fat Fryer I currently own...	Electric Deep Fat Fryer Intend to buy in the next 12 months	Electric Deep Fat Fryer Intend to buy in the next 5 years
Electric Mixer	Electric Mixer I currently own...	Electric Mixer Intend to buy in the next 12 months	Electric Mixer Intend to buy in the next 5 years
Electric Fan	Electric Fan I currently own...	Electric Fan Intend to buy in the next 12 months	Electric Fan Intend to buy in the next 5 years
Portable air conditioner/air cooler	Portable air conditioner/air cooler I currently own...	Portable air conditioner/air cooler Intend to buy in the next 12 months	Portable air conditioner/air cooler Intend to buy in the next 5 years
Electric Iron	Electric Iron I currently own...	Electric Iron Intend to buy in the next 12 months	Electric Iron Intend to buy in the next 5 years
Water purification device	Water purification device I currently own...	Water purification device Intend to buy in the next 12 months	Water purification device Intend to buy in the next 5 years
Fixed telephone	Fixed telephone I currently own...	Fixed telephone Intend to buy in the next 12 months	Fixed telephone Intend to buy in the next 5 years
Fax machine	Fax machine I currently own...	Fax machine Intend to buy in the next 12 months	Fax machine Intend to buy in the next 5 years
Hi-fi Stereo System	Hi-fi Stereo System I currently own...	Hi-fi Stereo System Intend to buy in the next 12 months	Hi-fi Stereo System Intend to buy in the next 5 years
Video.DVD player	Video.DVD player I currently own...	Video.DVD player Intend to buy in the next 12 months	Video.DVD player Intend to buy in the next 5 years
DVD recorder	DVD recorder I currently own...	DVD recorder Intend to buy in the next 12 months	DVD recorder Intend to buy in the next 5 years
Docking station for IPOD	Docking station for IPOD I currently own...	Docking station for IPOD Intend to buy in the next 12 months	Docking station for IPOD Intend to buy in the next 5 years
Home cinema/theatre/entertainment centre/ HDD multimedia player	Home cinema/theatre/entertainment centre/ HDD multimedia player I currently own...	Home cinema/theatre/entertainment centre/ HDD multimedia player Intend to buy in the next 12 months	Home cinema/theatre/entertainment centre/ HDD multimedia player Intend to buy in the next 5 years
None of the above	None of the above I currently own...	None of the above Intend to buy in the next 12 months	None of the above Intend to buy in the next 5 years

Matrix question empty cell	Yes	No
The interest they charge is very high	The interest they charge is very high Yes	The interest they charge is very high No
You need credit references	You need credit references Yes	You need credit references No
You need to have a pay in slip to open an account	You need to have a pay in slip to open an account Yes	You need to have a pay in slip to open an account No
You must have a permanent address	You must have a permanent address Yes	You must have a permanent address No
They have low returns on investment/low interest on savings	They have low returns on investment/low interest on savings Yes	They have low returns on investment/low interest on savings No
It is difficult to withdraw money	It is difficult to withdraw money Yes	It is difficult to withdraw money No
They force you to keep a minimum balance	They force you to keep a minimum balance Yes	They force you to keep a minimum balance No
You cannot borrow small amounts	You cannot borrow small amounts Yes	You cannot borrow small amounts No
Their service is too slow	Their service is too slow Yes	Their service is too slow No
Their staff take time to explain their obligations to people	Their staff take time to explain their obligations to people Yes	Their staff take time to explain their obligations to people No
They give you regular updates about key events/new products	They give you regular updates about key events/new products Yes	They give you regular updates about key events/new products No
They have up to date technology	They have up to date technology Yes	They have up to date technology No
You understand how their products work	You understand how their products work Yes	You understand how their products work No
You are satisfied with their service	You are satisfied with their service Yes	You are satisfied with their service No
You trust them	You trust them Yes	You trust them No
Is your ideal financial services provider	Is your ideal financial services provider Yes	Is your ideal financial services provider No
You need to have collateral	You need to have collateral Yes	You need to have collateral No
They have a wide network of branches	They have a wide network of branches Yes	They have a wide network of branches No
Require a lot of documentation for one to open an account	Require a lot of documentation for one to open an account Yes	Require a lot of documentation for one to open an account No
They swindle people out of their hard earned cash	They swindle people out of their hard earned cash Yes	They swindle people out of their hard earned cash No
Do not understand the benefit of having a policy with them	Do not understand the benefit of having a policy with them Yes	Do not understand the benefit of having a policy with them No
They are for rich people, not poor people	They are for rich people, not poor people Yes	They are for rich people, not poor people No