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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Nov 07, 2008

Last modified

Jun 02, 2020

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Data file: Finfinancialinstrumentsdisc

Cases:	0
Variables:	366

Variables

hhcode

Household Number

findevicecode

Financial Device Code

fdstartdate

Start Date

place

Location of Survey

pcode

Person Code

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

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

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 withdrawal from the ba

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

c51

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.

ossoutturnchange

Umgalelo F3.15 Do you get paid in cash / groceries / Other ? 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.

ossoutcashuse

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 For how 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 company or 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?

obsoutkindtype

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.

obsoutcashuse

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 company or 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?

ofpoutkindtype

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.

ofpoutcashuse

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?

oraendwhy

oraend

oraenddate

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

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

osgltranstime

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

osgltranscost

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

osglpaiddate

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

osglopenbal

Stokvel Loans F7.26 What is the current Balance?

osglendwhy

Stokvel Loans Reason Ended

osglend

Stokvel Loans End

omlname

Mashionisa Loan F8.2 Who is the Mashionisa?

omltype

Mashionisa Loan F8.5 What is the loan for? CHOOSE from list.

omlamnt

Mashionisa Loan F8.6 What was the loan amount? RAND

omlcollateral

Mashionisa Loan F8.7 What collateral did you have to offer? CHOOSE from list.

omlintfreq

Mashionisa Loan F8.8 How often do you pay interest? CHOOSE from list.

omlintamnt

Mashionisa Loan F8.9 How much interest do you pay each time? RAND

omlintmntamnt

Mashionisa Loan F8.10 So the monthly interest rate is.....

omlpayhow

Mashionisa Loan F8.11 How do you pay? CHOOSE from list.

omlfixperiod

Mashionisa Loan F8.12 Are you supposed to have paid off the loan by a particula

omlfixend

Mashionisa Loan F8.13 If yes, when? DD/MM/YY

omlouthow

Mashionisa Loan F8.14 How do you get paid out? CHOOSE from list.

omlfees

Mashionisa Loan F8.15 Are there other fees? Y/N

omlfeestype

Mashionisa Loan F8.16 What are they for? CHOOSE

omltrans

Mashionisa Loan F8.17 If cash, how do you travel to pay payment? CHOOSE from li

omltranstime

Mashionisa Loan F8.18 How much time does it take to get there? CHOOSE from lis

omltranscost

Mashionisa Loan F8.19 What were the transport costs one-way? RAND

omlconseq

Mashionisa Loan F8.20 What happens if you don't pay? CHOOSE from list.

omldiff

Mashionisa Loan F8.21 Was it easy to arrange this loan? Y/N

omlalternative

Mashionisa Loan F8.22 What other source did you try first? CHOOSE from list.

omlenddate

Mashionisa Loan F8.23 When did you pay it off? DD/MM/YY

omlopenbal

Mashionisa Loan F8.24 What is the current balance?

omlendwhy

Mashionisa Loan Reason Ended

omlend

Mashionisa Loan End

ocrpaymeth

Credit (Account) PayMethod

ocrname

Credit (Account) F9.2 What is the name of the store? NAME

ocrtype

Credit (Account) F9.3 What type of creditor is it? CHOOSE from list.

ocrcost

Credit (Account) F9.6 What was the total cost of the item? RAND

ocrdeposit

Credit (Account) F9.7 How much did you put down as a deposit? RAND

ocrpremamnt

Credit (Account) F9.8 What do you pay each month? RAND

ocrintpers

Credit (Account) F9.9 What interest rate do you pay?

ocrcashcost

Credit (Account) F9.10 How much would it cost cash? RAND

ocrpayhow

Credit (Account) F9.11 How do you pay? CHOOSE from list.

ocrfees

Credit (Account) F9.12 Are there other fees? Y/N

ocrfeestype

Credit (Account) F9.13 What are they for? CHOOSE

ocrtrans

Credit (Account) F9.14 If you have to travel to pay monthly payment, how do y

ocrtranstime

Credit (Account) F9.15 How much time does it take to get there? CHOOSE from lis

ocrtranscost

Credit (Account) F9.16 What were the transport costs one-way? RAND

ocrfixperioddate

Credit (Account) F9.18 When are you supposed to have paid it off?DD/MM/YY

ocrenddate

Credit (Account) F9.19 When did you pay it off?DD/ MM/YY

ocropenbal

Credit (Account) F9.20 What is the current Balance?

ocrendwhy

Credit (Account) Reason Ended

ocrend

Credit (Account) End

oclsname

Credit at local Spaza shop F10.2 What is the name of the Spaza / Shebeen? NAME

oclsamnt

Credit at local Spaza shop F10.3 How much have you bought on credit? RAND

oclsint

Credit at local Spaza shop F10.5 Do you pay interest? Y/N

oclsintpers

Credit at local Spaza shop F10.6 If yes, how much per month? % or RANDS/R100

oclscashcost

Credit at local Spaza shop F10.7 How much would the same amount cost if you bou

oclsopenbal

Credit at local Spaza shop F10.9 What is the current balance?

oclsendwhy

Credit at local Spaza shop Reason Ended

oclsend

oclsenddate

Credit at local Spaza shop DateEnd

oolrelat

One-on-One Giving Loans F11.3 Who is this person to you? CHOOSE from list.

oolamnt

One-on-One Giving Loans F11.4 How much did you lend? RAND

Total: 366

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