Financial Diaries Project 2003-2004

South Africa, 2003 - 2004

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zaf-saldru-fdp-2003-2004-v1

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Southern Africa Labour and Developement Research Unit (SALDRU)

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Other Open Research Data

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Created on

Nov 07, 2008

Last modified

Jun 02, 2020

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Data file: Finfinancialinstruments

Cases:	0
Variables:	454

Variables

hhcode

Household Number

pcode

Person Code

findevicecode

Financial Device Code

fdstartdate

Start Date

place

Location of Survey

obaname

Bank Accounts F1.2 What is the name of the bank account? NAME

obatype

Bank Accounts F1.5 What type of bank account is it? CHOOSE from list.

obabranch

Bank Accounts F1.6 Where is the branch? SUBURB/TOWN

obawhy

Bank Accounts F1.7 Why did you open the bank account?

obause

Bank Accounts F1.7.1 Are you currently using the account?

obausetype

Bank Accounts F1.8 How do you use the bank account? CHOOSE from list.

obausenot01

Bank Accounts No money to put in

obausenot02

Bank Accounts Too far away

obausenot03

Bank Accounts Interest to high

obausenot04

Bank Accounts Other

obausenot05

Bank Accounts Office hours not suitable

obausenot06

Bank Accounts Opened another account

obausenot07

Bank Accounts Waiting on card

obasavewhy01

Bank Accounts Education

obasavewhy02

Bank Accounts Christmas

obasavewhy03

Bank Accounts Housing

obasavewhy04

Bank Accounts Livestock

obasavewhy05

Bank Accounts Emergency

obasavewhy06

Bank Accounts Travel

obasavewhy07

Bank Accounts Business

obasavewhy08

Bank Accounts For sake of saving

obasavewhy09

Bank Accounts Other

obasavewhy10

Bank Accounts Labola

obasavewhy11

Bank Accounts Safety

obamnthin

Bank Accounts F1.11 How much do you plan to put in every month? (Include salary

obamnthout

Bank Accounts F1.12 How much do you plan to take out every month? RAND

obaopen

Bank Accounts F1.13 What is the current balance? RAND

obatrans

Bank Accounts F1.14 How do you get to the bank? CHOOSE from list.

obatranstime

Bank Accounts F1.15 How much time does it take to get there?

obatranscost

Bank Accounts F1.16 What are the transport costs one-way? RAND

obainside

Bank Accounts F1.17 How many times a month do you go to the bank? NUMBER

obaatm

Bank Accounts F1.18 Do you have an ATM card with the account?

obaatmuse

Bank Accounts F1.19 If yes, do you use it? Y/N

obaatmusenot

Bank Accounts F1.20 If no, why not?

obaatmvenue

Bank Accounts F1.21 If yes, where do you tend to use the ATM? SUBURB/TOWN

obaatmfreq

Bank Accounts F1.22 How many times a month do you use it?

obadc

Bank Accounts F1.23 Do you have a debit card?

obadcfreq

Bank Accounts F1.24 If Yes - how many times a month do you use it?

obaatmwithcost

Bank Accounts F1.25 How much does it cost to withdraw from the Bank's ATM? RAND

obaatmotherwithcost

Bank Accounts F1.26 How much does it cost to make a cash withdrawl from the ban

obacashwithcost

Bank Accounts F1.27 How much does it cost to make a cash withdrawal from the Ba

obadocost

Bank Accounts F1.28 If this is a cheque or transmission account, how much per mo

obachqcost

Bank Accounts F1.29 If this is a cheque account, how much does it cost to write

obaintinc

Bank Accounts F1.30 What interest rate are you paid on your savings?INTERET RAT

obaenddate

Bank Accounts F1.31 What year did you close it? YYYY

obaendwhy

Bank Accounts F1.32 Why did you close the account? CHOOSE from list

obaend

Bank Accounts End

openpayhow

Pension F2.8 How do you pay in? CHOOSE from list.

openpenprov

Pension F2.5 Is this a pension fund or a provident fund?

openamnt

Pension F2.6 How much do you pay in per month? RAND / 999=don't know

openemplamnt

Pension F2.7 How much does the employer pay in per month? RAND / 999=don't know

openprovopen

Pension F2.9 If provident fund, what is the current balance?

openoutmnthamnt

Pension F2.10 If paid out, how much per month do you get paid?

openouthow

Pension F2.11 If paid out, how do you get paid out?

opentrans

Pension F2.12 If you collect cash or cash a cheque, how do you get there? CHOOS

opentranstime

Pension F2.13 How much time does it take to get there? CHOOSE from list?

opentranscost

Pension F2.14 What were the transport costs one-way? RAND

openenddate

Pension DateEnd

ossfreq

Umgalelo F3.5 What is the frequency of the contributions? CHOOSE from the list.

osssize

Umgalelo F3.6 How many people are in the umgalelo? NUMBER

ossjoinfee

Umgalelo F3.7 Is there a joining fee? Y/N

ossjoinfeeamnt

Umgalelo F3.8 If yes, how much is it? RAND

ossintype

Umgalelo F3.9 When you pay in, do you pay in cash(=01), or goods(=02), or both

osscashamnt

Umgalelo F3.10 If cash, how much do you pay in per period? RAND

ossgoodstype

Umgalelo F3.11 If goods, what do you pay in? CHOOSE from list.

ossoutwhen

Umgalelo F3.12 When do you get paid out? CHOOSE from list.

ossouttype

Umgalelo F3.16 What is the value of how much you do get paid out? RAND,991=depe

ossoutamnt

Umgalelo F3.17 If it depends, what does it depend on? CHOOSE from list.

ossoutdependwhat

Umgalelo

ossoutdependamnt

Umgalelo F3.18 If it depends, how much were you paid out last time? RAND

ossoutcashhow

Umgalelo F3.19 If paid in cash, how do you get paid out? CHOOSE from list.

ossoutcashuse01

Umgalelo School fees

ossoutcashuse02

Umgalelo Christmas

ossoutcashuse03

Umgalelo Groceries

ossoutcashuse04

Umgalelo Housing

ossoutcashuse05

Umgalelo School uniforms/Church Uniforms

ossoutcashuse06

Umgalelo Other Clothes

ossoutcashuse07

Umgalelo Stamps

ossoutcashuse08

Umgalelo Travel

ossoutcashuse09

Umgalelo Saving

ossoutcashuse10

Umgalelo Business

ossoutcashuse11

Umgalelo Repay Debt

ossoutcashuse12

Umgalelo Send remittance

ossoutcashuse13

Umgalelo Unsure

ossoutcashuse14

Umgalelo Traditional feast

ossoutcashuse15

Umgalelo Agriculture or livestock

ossoutcashuse16

Umgalelo Emergencies

ossoutcashuse17

Umgalelo Bedding

ossoutcashuse18

Umgalelo Gifts

osslend

Umgalelo F3.21 Does the group lend money? Y/N

osslendint

Umgalelo F3.22 If yes, what interest rate do you charge? % or RANDS on R100

osslendwho

Umgalelo F3.23 If yes,whom do you lend to? CHOOSE from list.

osslendobligation

Umgalelo F3.24 If member, are you required to borrow the money? Y/N

osslendinttarget

Umgalelo F3.25 If yes, is there an interest income target?

osslendinttargetamnt

Umgalelo F3.26 If yes, how much? RAND

ossonlendwho

Umgalelo F3.27 Who do you lend to, if you onlend the money?

ossonlendmnths

Umgalelo F3.28 Fow many months per year do you manage to onlend the money?

osstype

Umgalelo F3.30 What type of umgalelo is this? CHOOSE from list

osstrans

Umgalelo F3.32 If you have to travel to get to meetings, how do you get there?

osstranstime

Umgalelo F3.33 How much time does it take to get there? CHOOSE from list.

osstranscost

Umgalelo F3.34 What were the transport cost one-way? RAND

ossyearstart

Umgalelo F3.35 What year was it started? YYYY

osssocknow

Umgalelo F3.36 How do the members know each other? CHOOSE from list.

osssupervisor

Umgalelo F3.37 Is one person in charge of the umgalelo who manages the fund? Y/

osstrustwhy

Umgalelo F3.38 Why do people trust that person? CHOOSE from list.

ossfreqmeet

Umgalelo F3.39 How often are the meetings? CHOOSE from list.

ossgender

Umgalelo F3.40 Is the Umgalelo made up of all men / all women / Mixed?

osspenalties

Umgalelo F3.42 Are there penalties for paying late? Y/N

ossbank

Umgalelo F3.44 Is the money held in a bank account at any time? Y/N

ossnotbank

Umgalelo F3.45 If no, where is it held?

ossbankname

Umgalelo F3.46 If yes, what is the bank name?

ossbankowner

Umgalelo F3.47 If yes, in whose name is the bank account?

ossbankcollect

Umgalelo F3.48 If yes, who goes to the bank to get the money

ossbankspecservice

Umgalelo F3.49 If yes, does the bank do anything special for THIS umgalelo?

ossbankint

Umgalelo F3.50 If yes, what interest rate is paid on bank savings?

osssecur

Umgalelo F3.51 What is done to address security issues around the payment of th

osssecurwrong

Umgalelo F3.52 Has anything ever gone wrong(Stealing, dishonesty,theft,loss) in

ossq2enddate

Umgalelo F3.53 What year did you leave? (YYYY)

ossoutperiod

Umgalelo F355 Number of periods since last payout?

ossendwhy

Umgalelo Reason Ended

obscoverpcode

Burial Societies F4.4 Is he/she covered under this scheme? Y/N

obscoveradults

Burial Societies F4.5 How many other adults are covered? NUMBER

obscoverchild

Burial Societies F4.6 How many children are covered? NUMBER

obspremfreq

Burial Societies F4.7 What is the frequency of the premiums? CHOOSE from the li

obspremamnt

Burial Societies F4.8 How much do you pay each time? RAND

obsprem1yr

Burial Societies F4.9.1 What was the premium 1 year ago? RAND

obsprem2yr

Burial Societies F4.9.2 What was the premium 2 years ago? RAND

obsprem5yr

Burial Societies F4.9.3 What was the premium 5 years ago? RAND

obspayhow

Burial Societies F4.10 How do you pay? CHOOSE from the list?

obsstructtype

Burial Societies F4.11 Is this one-on-one with a company, undertaker or with a

obsstructconame

Burial Societies F4.12 If companyor undertaker, which one? NAME

obsstructcomp

Burial Societies F4.13 Is this a comprehensive plan?

obsouttype

Burial Societies F4.14 What are the arrangement of the plan?

obsoutkindtype01

Burial Societies Pre-funeral expenses

obsoutkindtype02

Burial Societies Coffin

obsoutkindtype03

Burial Societies Undertaker's fees

obsoutkindtype04

Burial Societies Transport of guests

obsoutkindtype05

Burial Societies Tent

obsoutkindtype06

Burial Societies Food at Funeral (other than cow and sheep)

obsoutkindtype07

Burial Societies Transport of body to rural areas

obsoutkindtype08

Burial Societies Cow

obsoutkindtype09

Burial Societies Tombstone

obsoutkindtype10

Burial Societies Sheep

obsoutkindtype11

Burial Societies Day after expenses

obsoutkindtype12

Burial Societies Any additional expenses

obsoutcash

Burial Societies F4.16 If cash, do you know how much you'll get paid out? Y/N

obsoutcashphamnt

Burial Societies F4.17 How much for policyholder? RAND

obsoutcashadultamnt

Burial Societies F4.18 How much for other adults? RAND

obsoutcashchildamnt

Burial Societies F4.19 How much for children? RAND

obsoutcashhow

Burial Societies F4.20 If in cash, how do you get paid out? CHOOSE from list.

obsoutcashuse01

Burial Societies Pre-funeral expenses

obsoutcashuse02

Burial Societies Coffin

obsoutcashuse03

Burial Societies Undertaker's fees

obsoutcashuse04

Burial Societies Transport of guests

obsoutcashuse05

Burial Societies Tent

obsoutcashuse06

Burial Societies Food at Funeral (other than cow and sheep)

obsoutcashuse07

Burial Societies Transport of body to rural areas

obsoutcashuse08

Burial Societies Cow

obsoutcashuse09

Burial Societies Tombstone

obsoutcashuse10

Burial Societies Sheep

obsoutcashuse11

Burial Societies Day after expenses

obsoutcashuse12

Burial Societies Any additional expenses

obsoutcashuse13

Burial Societies Not use, rather save

obsoutcashuse14

Burial Societies Start business

obstrans

Burial Societies F4.22 How do you get to the place where you have to pay your p

obstranstime

Burial Societies F4.23 How much time does it take to get there? CHOOSE from lis

obstranscost

Burial Societies F4.24 What are the transport costs one-way? RAND

obsstartyr

Burial Societies F4.26 What year was it started? YYYY

obsfreqmeet

Burial Societies F4.27 How often does the group meet? CHOOSE from list.

obssize

Burial Societies F4.28 How many people are in the group? NUMBER

obssocknow

Burial Societies F4.29 How do the people know each other? CHOOSE from list.

obsundertaker

Burial Societies F4.30 Does the group use a company to do the burial plan? Y/N

obsundertakername

Burial Societies F4.31 If yes, which company?

obstype

Burial Societies F4.32 Is this society one of the following? CHOOSE from list.

obsbank

Burial Societies F4.33 Is the money held in a bank account at any time? Y/N

obsbankname

Burial Societies F4.34 If yes, what is the bank name? NAME

obsbankowner

Burial Societies F4.35 If yes, in whose name is the Bank account?

obsbankcollect

Burial Societies F4.36 If yes, who goes to the bank to get the money? CHOOSE f

obsbankspecservice

Burial Societies F4.37 If yes, does the bank do anything special for the burial

obssecur

Burial Societies F4.38 What is done to address security issues around the payme

obssecurwrong

Burial Societies F4.39 Has anything ever gone wrong(Stealing, dishonesty,theft

obscollection

Burial Societies F4.40 Does the burial society ever have to take up a collectio

obscollectionamnt

Burial Societies F4.41 How much did you have to pay last time there was a colle

obscollectiontotal

Burial Societies F4.42 How much was collected in total from everyone? RAND

ofpcoverpcode

Funeral Plans F4.4 Is he/she covered under this scheme? Y/N

ofpcoveradults

Funeral Plans F4.5 How many other adults are covered? NUMBER

ofpcoverchild

Funeral Plans F4.6 How many children are covered? NUMBER

ofppremfreq

Funeral Plans F4.7 What is the frequency of the premiums? CHOOSE from the list.

ofppremamnt

Funeral Plans F4.8 How much do you pay each time? RAND

ofpprem1yr

Funeral Plans F4.9.1 What was the premium 1 year ago? RAND

ofpprem2yr

Funeral Plans F4.9.2 What was the premium 2 years ago? RAND

ofpprem5yr

Funeral Plans F4.9.3 What was the premium 5 years ago? RAND

ofppayhow

Funeral Plans F4.10 How do you pay? CHOOSE from the list?

ofpstructtype

Funeral Plans F4.11 Is this one-on-one with a company, undertaker or with a gro

ofpstructconame

Funeral Plans F4.12 If companyor undertaker, which one? NAME

ofpstructcomp

Funeral Plans F4.13 Is this a comprehensive plan?

ofpouttype

Funeral Plans F4.14 What are the arrangement of the plan?

ofpoutkindtype01

Funeral Plans Pre-funeral expenses

ofpoutkindtype02

Funeral Plans Coffin

ofpoutkindtype03

Funeral Plans Undertaker's fees

ofpoutkindtype04

Funeral Plans Transport of guests

ofpoutkindtype05

Funeral Plans Tent

ofpoutkindtype06

Funeral Plans Food at Funeral (other than cow and sheep)

ofpoutkindtype07

Funeral Plans Transport of body to rural areas

ofpoutkindtype08

Funeral Plans Cow

ofpoutkindtype09

Funeral Plans Tombstone

ofpoutkindtype10

Funeral Plans Sheep

ofpoutkindtype11

Funeral Plans Day after expenses

ofpoutcash

Funeral Plans F4.16 If cash, do you know how much you'll get paid out? Y/N

ofpoutcashphamnt

Funeral Plans F4.17 How much for policyholder? RAND

ofpoutcashadultamnt

Funeral Plans F4.18 How much for other adults? RAND

ofpoutcashchildamnt

Funeral Plans F4.19 How much for children? RAND

ofpoutcashhow

Funeral Plans F4.20 If in cash, how do you get paid out? CHOOSE from list.

ofpoutcashuse01

Funeral Plans Pre-funeral expenses

ofpoutcashuse02

Funeral Plans Coffin

ofpoutcashuse03

Funeral Plans Undertaker's fees

ofpoutcashuse04

Funeral Plans Transport of guests

ofpoutcashuse05

Funeral Plans Tent

ofpoutcashuse06

Funeral Plans Food at Funeral (other than cow and sheep)

ofpoutcashuse07

Funeral Plans Transport of body to rural areas

ofpoutcashuse08

Funeral Plans Cow

ofpoutcashuse09

Funeral Plans Tombstone

ofpoutcashuse10

Funeral Plans Sheep

ofpoutcashuse11

Funeral Plans Day after expenses

ofpoutcashuse12

Funeral Plans Business

ofpoutcashuse13

Funeral Plans Savings

ofptrans

Funeral Plans F4.22 How do you get to the place where you have to pay your prem

ofptranstime

Funeral Plans F4.23 How much time does it take to get there? CHOOSE from list.

ofptranscost

Funeral Plans F4.24 What are the transport costs one-way? RAND

oraname

Retirement Annuity F5.2 What is the company you bought the annuity from? NAME

orapaymeth

Retirement Annuity PayMethod

orapremamnt

Retirement Annuity F5.5 How much do you pay in per month? RAND

orapermin

Retirement Annuity F5.6 If paying in, how do you pay in? CHOOSE from list.

oraoutamnt

Retirement Annuity F5.7 How much do you get paid out per month? RAND

oraouthow

Retirement Annuity F5.8 How do you get paid out? CHOOSE from list.

oratrans

Retirement Annuity F5.9 If you have to travel to get paid or cash a cheque, how

oratranstime

Retirement Annuity F5.10 How much time does it take to get there? CHOOSE from l

oratranscost

Retirement Annuity F5.11 What were the transport costs one-way? RAND

orasurrender

Retirement Annuity F5.12 What is the Surrender Value?

oirpaymeth

Other Insurance PayMethod

oirname

Other Insurance F6.2 What is the name of the company the policy comes from? NAM

oirtype

Other Insurance F6.3 What type of insurance is it? CHOOSE from list.

oircomp

Other Insurance F6.4 Is it comprehensive? (Yes / No)

oirwhy

Other Insurance F6.7 Why did you take it?

oirpremamnt

Other Insurance F6.8 How much do you pay in per month? RAND

oiroutamnt

Other Insurance F6.9 How much do you get paid out? CHOOSE from list.

oirouthow

Other Insurance F6.10 How do you get paid out? CHOOSE from list.

oirtrans

Other Insurance F6.11 If you have to travel to get paid or cash a cheque, how

oirtranstime

Other Insurance F6.12 How much time does it take to get there? CHOOSE from lis

oirtranscost

Other Insurance F6.13 What were the transport costs one-way? RAND

oircashin

Other Insurance F6.14 Can the policy be cashed in?

oircashamnt

Other Insurance F6.15 If Yes - what is the cash in value?

oirendwhy

Other Insurance Reason Ended

oirenddate

Other Insurance DateEnd

ofglpaymeth

Formal Loans PayMethod

ofglname

Formal Loans F7.2 What is the name of the institution? NAME

ofglwho

Formal Loans F7.3 Who is the loan form?

ofglempl

Formal Loans F7.4 If this is an employer loan, does the loan come off your pensi

ofgltype

Formal Loans F7.8 What type of loan was it? CHOOSE from list.

ofgltypeper

Formal Loans F7.9 If personal or emergency, what is it used for? CHOOSE from li

ofglamnt

Formal Loans F7.10 What was the loan amount? RAND

ofglint

Formal Loans F7.11 What is the interest rate per month? % or RAND/month

ofglpremfreq

Formal Loans F7.12 What is the frequency of the payments?

ofglpremamnt

Formal Loans F7.13 What are the payments each time? RAND

ofglamor

Formal Loans F7.14 Is the loan interest amortised?

ofglperiod

Formal Loans F7.15 Is there a set period for the loan? Y/N

ofglperiodmnths

Formal Loans F7.16 If yes, how many months? NUMBER

ofglpayhow

Formal Loans F7.17 How do you pay? CHOOSE from list.

ofglcollateral

Formal Loans F7.18 What collateral did you have to offer? CHOOSE from list.

ofglfeesother

Formal Loans F7.19 Are there other fees? Y/N

ofglfeestype

Formal Loans F7.20 What are they for? CHOOSE from list.

ofglouttype

Formal Loans F7.21 How do you get paid out? CHOOSE from list.

ofgltrans

Formal Loans F7.22 If you have to travel to get paid or cash a cheque, how do

ofgltranstime

Formal Loans F7.23 How much time does it take to get there? CHOOSE from list.

ofgltranscost

Formal Loans F7.24 What were the transport costs one-way? RAND

ofglpaiddate

Formal Loans F7.25 When did you pay it off? DD/MM/YY

ofglopenbal

Formal Loans F7.26 What is the current Balance?

ofglendwhy

Formal Loans Reason Ended

ofglend

Formal Loans End

osglwho

Stokvel Loans F7.3 Who is the loan form?

osgltype

Stokvel Loans F7.8 What type of loan was it? CHOOSE from list.

osgltypeper

Stokvel Loans F7.9 If personal or emergency, what is it used for? CHOOSE from l

osglamnt

Stokvel Loans F7.10 What was the loan amount? RAND

osglint

Stokvel Loans F7.11 What is the interest rate per month? % or RAND/month

osglpremfreq

Stokvel Loans F7.12 What is the frequency of the payments?

osglpremamnt

Stokvel Loans F7.13 What are the payments each time? RAND

osglamor

Stokvel Loans F7.14 Is the loan interest amortised?

osglperiod

Stokvel Loans F7.15 Is there a set period for the loan? Y/N

osglperiodmnths

Stokvel Loans F7.16 If yes, how many months? NUMBER

osglpayhow

Stokvel Loans F7.17 How do you pay? CHOOSE from list.

osglcollateral

Stokvel Loans F7.18 What collateral did you have to offer? CHOOSE from list.

osglfeesother

Stokvel Loans F7.19 Are there other fees? Y/N

osglfeestype

Stokvel Loans F7.20 What are they for? CHOOSE from list.

osglouttype

Stokvel Loans F7.21 How do you get paid out? CHOOSE from list.

osgltrans

Stokvel Loans F7.22 If you have to travel to get paid or cash a cheque, how do

Total: 454

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