zaf-ria-rias-2011-2012-v1 DataFirst 2020-05-23 NADA Version 6 RIA ICT Access Survey 2011-2012 zaf-ria-rias-2011-2012-v1 Research ICT Africa MetadataEditor DataFirst Support Household Survey [hh] v1: Edited, anonymised dataset for public distribution Africa The surveys had national coverage. Survey countries included Botswana, Cameroon, Ethiopia, Ghana, Kenya, Mozambique, Namibia, Nigeria, Rwanda, South Africa, Tanzania, Uganda, and Tunisia. Sample survey data Face-to-face [f2f] DataFirst rias-2011-2012-business-v1 0 534 rias-2011-2012-household-v1 0 427 Weight - to gross up to national level RIA ID Serial ID Description of business activity Ownership 1 Sole proprietor 2 Partnership 3 CC 4 Business (Pty limited) 5 Other (Specify) Business pay tax on its profit No 1 Yes Business registered for VAT or sales tax No 1 Yes Number of employees with a written employment contract Business strictly separate business finances from personal finances No 1 Yes Business keep financial records None 1 Simple bookkeeping 2 Double entry bookkeeping 3 audit annual financial statements 4 Other, specify: Ownership recoded Tax on profits recoded VAT registration recoded Written employment contract recoded Separation of finances recoded Financial records recoded Means of sending and receiving money - other QMM1F. what means of sending and receiving does the business use - Other - Others RIA Location 1 Urban 2 Rural Other business ownership Business registered with any local authority or municipality No 1 Yes Business pay local or municipal taxes (tax stamps etc) No 1 Yes Year business established Number of years business has been in existence How start up capital financed 1 Own Savings 2 Lending from Friends or Relatives 3 Micro finance loan 4 Bank 5 NGO 6 Pension Number of full-time employees (excl. owners) Number of part-time employees (excl. owners) Number of occasional employees (excl. owners) Number of unpaid employee family members (excl. owners) Unpaid Family members: How many Employees does your business have (excl. owners)? Gender of owner(s) 1 Male 2 Female 3 Both Number of business owners - men Number of business owners - women Business premises have electricity No 1 Yes Who manages the business 1 owner 2 full time manager 3 family member 4 The Cooperative Other people who manages the business Highest formal educational level of the business owners 1 Primary 2 Secondary 3 Tertiary 4 Vocational 5 Self educated Highest formal educational level of the business owners? (if more than 1 owner, choose the owner with the highest educati Highest formal educational level of the business manager 1 Primary 2 Secondary 3 Tertiary 4 Vocational 5 Self educated Main reasons to start a business 1 My own business pays more than being employed / be my own boss 2 To make money additional to my salary 3 Otherwise I would have been unemployed/ to make a living 4 Job Creation Push and pull classification 1 Pull Factor 2 Push Factor Other reasons to start a business Main reason - my own business pays more that being employed Not My own business pays more than being employed 1 My own business pays more than being employed WHAT WERE THE MAIN REASON TO START A BUSINESS FOR YOU? - My own business pays more than being employed Main reason - to make money additional to my salary Not To make money additional to my salary 1 To make money additional to my salary WHAT WERE THE MAIN REASON TO START A BUSINESS FOR YOU? - To make money additional to my salary Main reason - otherwise I would have been unemployed Not Otherwise I would have been unemployed 1 Otherwise I would have been unemployed WHAT WERE THE MAIN REASON TO START A BUSINESS FOR YOU? - Otherwise I would have been unemployed Main reason - other Not Other (please specify): 1 Other (please specify): Main reason - to add income from agri Not To add income from agriculture 1 To add income from agriculture WHAT WERE THE MAIN REASON TO START A BUSINESS FOR YOU? - To add income from agriculture Business keep financial records - other Records for own planning or for the revenue authorities 1 Own Planning 2 Revenue Authorities 3 Both Business has a postal box or receive mail No 1 Yes Business has a website No 1 Yes Business provide email addresses to employees No 1 Yes Advertisement - radio No 1 Yes 9 No info Advertisement - TV No 1 Yes 9 No info Advertisement - newspapers No 1 Yes 9 No info Advertisement - mobile phone SMS No 1 Yes 9 No info Advertisement - twitter or facebook No 1 Yes 9 No info Number of key suppliers Location of the most important suppliers 1 within 50KM 2 Between 50 and 150 km 3 150 km or more within the country 4 abroad where are the most important suppliers located (if more than one and they are at different locations take the furthest a Size of the most important suppliers 1 Informal business 2 Small formal business 3 Large formal business Business have suppliers located in other countries No 1 Yes Length of time doing business with the most important suppliers 1 Less than 6 months 2 Less than 1 year 3 Less than 2 years 4 2 to 3 years 5 more than 3 years How reliable are the suppliers 1 not reliable at all 2 not really reliable 3 neither nor 4 reliable 5 very reliable How business transact financially with suppliers - cash No 1 Yes How business transact financially with suppliers - check/cheque No 1 Yes How business transact financially with suppliers - credit card No 1 Yes How business transact financially with suppliers - bank account transfer No 1 Yes Bank account transfer: How does your business transact financially with SUPPLIERS How business transact financially with suppliers - online banking No 1 Yes How business transact financially with suppliers - mobile money transfers No 1 Yes Mobile Money transfers: How does your business transact financially with SUPPLIERS How business transact financially with suppliers - letter of credit No 1 Yes How business transact financially with suppliers - Western Union/Moneygram No 1 Yes Western Union/Moneygram: How does your business transact financially with SUPPLIERS How business transact financially with suppliers - send money with someone No 1 Yes Send money with someone: How does your business transact financially with SUPPLIERS Frequency of communication with most important suppliers 1 Daily 2 Weekly 3 Monthly 4 Occasionally Communication with most important supplier - mobile phone No 1 Yes Mobile Phone: Does the Business communicate with the most important supplier with any of the following: Communication with most important supplier - land line No 1 Yes Land Line: Does the Business communicate with the most important supplier with any of the following: Communication with most important supplier - email No 1 Yes Email: Does the Business communicate with the most important supplier with any of the following: Communication with most important supplier - SMS No 1 Yes SMS: Does the Business communicate with the most important supplier with any of the following: Communication with most important supplier - Fax No 1 Yes Fax: Does the Business communicate with the most important supplier with any of the following: Communication with most important supplier - in person No 1 Yes In person: Does the Business communicate with the most important supplier with any of the following: Preferred mode of communication with suppliers 1 Mobile Phone 2 Land line 3 Email 4 SMS 5 Fax 6 in person 7 Others Others preferred mode of communication with suppliers Business has a line of credit facility with suppliers No 1 Yes Location of most important customers 1 within 50KM 2 Between 50 and 150 km 3 150 km or more within the country 4 abroad Business has customers located in other countries No 1 Yes Type of customers 1 individuals mostly 2 Small Enterprises mostly 3 Big Enterprises mostly Length of time doing business with the most important customers 1 Less than 6 months 2 Less than 1 year 3 Less than 2 years 4 2 to 3 years 5 more than 3 years How business transact financially with customers - cash No 1 Yes How business transact financially with customers - check/cheque No 1 Yes How business transact financially with customers - credit card No 1 Yes How business transact financially with customers - bank account transfer No 1 Yes D: Bank account transfer How does the business transact financially with customers How business transact financially with customers - online banking No 1 Yes How business transact financially with customers - mobile money transfers No 1 Yes F: Mobile Money transfers How does the business transact financially with customers How business transact financially with customers - letter of credit No 1 Yes How business transact financially with customers - Western Union/Moneygram No 1 Yes H: Western Union/Moneygram How does the business transact financially with customers How business transact financially with customers - send money with someone No 1 Yes I: send money with someone How does the business transact financially with customers Communication with most important supplier - mobile phone No 1 Yes A: Mobile Phone Does the Business communicate with the most important customers with any of the following: Communication with most important supplier - land line No 1 Yes B: Land Line Does the Business communicate with the most important customers with any of the following: Communication with most important supplier - email No 1 Yes C: Email Does the Business communicate with the most important customers with any of the following: Communication with most important supplier - SMS No 1 Yes D: SMS Does the Business communicate with the most important customers with any of the following: Communication with most important supplier - Fax No 1 Yes E: Fax Does the Business communicate with the most important customers with any of the following: Communication with most important supplier - in person No 1 Yes F: In person Does the Business communicate with the most important customers with any of the following: Country 1 Uganda 2 Kenya 3 Tanzania 4 Rwanda 5 Ethiopia 6 Ghana 7 Cameroon 8 Nigeria 9 Namibia 10 South Africa 11 Botswana 12 Mozambique Preferred mode of communication with customers 1 Mobile Phone 2 Land Line 3 Email 4 SMS 5 Fax 6 In person 7 Others ( please specify) Offer customers a credit line facility No 1 To most of my customers 2 Only trusted and creditworthy customers 3 Only Family Members and friends 4 Only lay buy Business has a working fixed-line telephone connection No 1 Yes Number of working fixed-line telephone connections Number of working fax machines Annual cost of fixed-line access and usage Importance of using a fixed-line phone for business activities 1 Very important 2 Important 3 Neither/ nor 4 not important 5 not important at all Reason for no fixed-line phone 1 Too expensive 2 No need 3 Not available 4 Not Relevant Other reason for no fixed-line phone Plan to use a fixed-line phone in the future No 1 Yes Amount the business is willing and able to spend on a fixed-line phone - monthly How much would the business be willing and able to spend on a fixed-line phone in a month Business use mobile phones for business purposes No 1 Yes Business manager has a mobile phone No 1 Yes private mobile 2 Yes business mobile 3 both Business send SMS or text messages for business purposes No 1 Yes Business receive SMS or text messages for business purposes No 1 Yes Main purposes the business use SMS or text messages 1 communicate with colleagues 2 communicate with suppliers 3 communicate with customers 4 get information, e.g. banking 5 Other, please specify: For what main purposes does the business use SMS or text messages (multiple response)? Other main purposes the business use SMS or text messages Monthly cost of mobile access and usage Importance of using mobile phone for business activities 1 Very important 2 Important 3 Neither/ nor 4 not important 5 not important at all Business compensate its employees for airtime used for business purposes No 1 Yes Does the business compensate its employees for airtime used on personal phones for business purposes Number of employees with a mobile phone Reason for not using mobiles for business purposes 1 Too Expensive 2 No Need 3 Not Available 4 Not Relevant If your business does not use mobiles for business purposes, what is the main reason? Other reason for not using mobiles for business purposes Business planning to use mobile phones in future No 1 Yes 2 Maybe Mode of communication preferred in conducting business 1 Fixed line phone 2 Fax 3 Internet café 4 In Person 5 Mobile Other mode of communication preferred in conducting business Business own any computers No 1 Yes Number of working computers Business has a local area network (LAN) No 1 Yes Business has an intranet? No 1 Yes Business has an extranet No 1 Yes Company make use of inventory control software No 1 Yes Company use anti-virus software No 1 Yes Persons employed who routinely used a computer at work Persons employed who routinely used a computer at work - number Persons employed who routinely used a computer at work - percent Who can use it - owners No 1 Yes Who can use it - managers No 1 Yes Who can use it - employees No 1 Yes Who can use it - customers No 1 Yes Who can use it - family and friends No 1 Yes Annual expenditure on hardware and software What is the Annual expenditure on Hardware and Software of the business? (local currency) Importance of using computers for business activities 1 very important 2 important 3 neither nor 4 not important 5 not important at all CO11b__Plans to purchase more computers in 2012 CO11b. Do you have plans to purchase more computers in 2012?No=0.........Yes=1 ..No info=9 CO11c_If Yes, how many computers do you plan to buy in 2012 Reason why the business does not have computers - too expensive No 1 Yes Reason why the business does not have computers - no need No 1 Yes Reason why the business does not have computers - other 1 No knowledge about it 2 No Electricity 3 No Access 4 Use a Personal Computer CO12a_Why the business does not have computers CO.12a Why does the business not have computers?CO.12A: Too expensive, 0 = No 1 = Yes SKIP IF CO.1=1CO.12B: No need 0 Business plan to use a computer in the future No 1 Yes How much the business is willing and able to spend for a computer Ever attended formal training to improve business skills No 1 Yes Training organised by - NGO, non-for-profit organisation No 1 Yes Training organised by - government agency/municipality No 1 Yes Training organised by - community centre No 1 Yes Training organised by - trade Union No 1 Yes Training organised by - other Other organisers of the training 1 Myself 2 Technical college/college 3 University 4 Botocol 5 Vocational 9 Others BS.2 training organised by - NGO, non-for-profit organisation 0 = No 1 = Yes BS.2 WHO ORGANISED THE TRAINING?BS.2 NGO, non-for-profit organisation 0 = No 1 = YesBS.3 Government agency/Municipality Rely on business centre/incubator/ommunity centre for tips and advice No 1 Yes Business centre/Incubator/Community centre: Who do you rely on for tips and advises on how to run and improve your busine Rely on local NGO/non-for-profit organisation for tips and advice No 1 Yes Local NGO/Non-for-profit organisation: Who do you rely on for tips and advises on how to run and improve your business? Rely on family & friends for tips and advice No 1 Yes Family & Friends: Who do you rely on for tips and advises on how to run and improve your business? Rely on TV for tips and advice No 1 Yes TV: Who do you rely on for tips and advises on how to run and improve your business? Rely on radio for tips and advice No 1 Yes Radio: Who do you rely on for tips and advises on how to run and improve your business? Rely on internet for tips and advice No 1 Yes Internet: Who do you rely on for tips and advises on how to run and improve your business? Rely on other for tips and advice Other (please specify: Who do you rely on for tips and advises on how to run and improve your business? Other source of tips and advice 1 Myself 2 Staff meetings 3 Customers 4 The bank 9 Others Other (please specify: Who do you rely on for tips and advises on how to run and improve your business? Business has internet access No 1 Yes Type of internet access - narrow band (modem dial up, ADSL 256K or below) No 1 Yes Type of internet access - fixed broadband (eg ADSL above 256k speed) No 1 Yes Type of internet access - mobile broadband (3G, wireless) No 1 Yes Type of internet access - other Current typical Internet download speed Current typical Internet download speed Sufficient for needs Business manager has an email address No 1 Yes Number of employees who routinely use the internet at work Internet users - owners No 1 Yes Internet users - managers No 1 Yes Internet users - employees No 1 Yes Internet users - customers No 1 Yes Internet users - family and friends No 1 Yes Internet used for - sending and receiving email No 1 Yes Internet used for - telephoning over the internet/VoIP/skype No 1 Yes Internet used for - getting information about goods and services No 1 Yes C: Getting information about goods and services What do you use the Internet for : Internet used for - getting information from government organisations No 1 Yes D: Getting information from government organisations What do you use the Internet for : Internet used for - interacting with government organisations No 1 Yes Internet used for - internet banking No 1 Yes Internet used for - providing customer services No 1 Yes Internet used for - delivering products online No 1 Yes Internet used for - internal or external recruitment No 1 Yes Internet used for - staff training e-learning No 1 Yes Business received orders via the internet No 1 Yes Business purchased products/services via the internet No 1 Yes Potential obstacles to a wider use of the internet for business purposes What are in your opinion the potential obstacles to a wider use of the Internet for business purposes ( e-commerce)? Potential obstacles - fraud/crime What are in your opinion the potential obstacles to a wider use of the internet for business purposes?Fraud/crime - Potential obstacles - slow/delays Potential obstacles - very expensive Potential obstacles - not safe Potential obstacles - network failure Potential obstacles - can't see goods properly Potential obstacles - customers not used to it Potential obstacles - financial constraits/too expensive Potential obstacles - competitors accessing your information Potential obstacles - viruses in system/computer crashing Potential obstacles - others Potential obstacles - none Potential obstacles - don't know Potential obstacles - 14 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 15 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 16 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 17 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 18 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 19 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 20 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 21 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 22 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 23 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 24 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 25 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 26 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 27 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 28 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 29 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 30 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 31 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 32 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 33 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 34 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 35 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 36 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 37 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 38 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 39 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 40 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 41 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 42 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 43 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 44 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 45 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 46 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - 47 I.8 WHAT ARE IN YOUR OPINION THE POTENTIAL OBSTACLES TO A WIDER USE OF THE INTERNET FOR BUSINESS PURPOSES ( E-COMMERCE)? Potential obstacles - others Potential obstacles - none Potential obstacles - don't know The internet helps the businesses increase sales volume and customers 1 agree 2 not sure 3 disagree The Internet helps the businesses increase sales volume and customers What are the perceived benefits of Internet use for The internet helps the businesses increase sales volume and customers What are the perceived benefits of internet use for you:The internet helps the bussiness increases sales volumes and cust The Internet helps the business keep pace with competition What are the perceived benefits of internet use for you:The internet helps the bussiness keep pace with competition The Internet helps Widen the supplier network What are the perceived benefits of interent use for you:The interent helps widen the supplier network The Internet helps the business understand customers better What are the perceived benefits of interent use for you:The internet helps the bussiness understand customers better The Internet helps the business keep pace with competition 1 agree 2 not sure 3 disagree The Internet helps the business keep pace with competition What are the perceived benefits of Internet use for you: I wil The Internet helps Widen the supplier network 1 agree 2 not sure 3 disagree The Internet helps Widen the supplier network What are the perceived benefits of Internet use for you: I will read the fo The Internet helps the business understand customers better 1 agree 2 not sure 3 disagree The Internet helps the business understand customers better What are the perceived benefits of Internet use for you: I wi Annual cost of internet access and usage How important is the use of the internet for your business activities 1 very important 2 important 3 neither nor 4 not important 5 not important at all Reason for no internet access - too expensive No 1 Yes Reason for no internet access - no need No 1 Yes Reason for no internet access - not available No 1 Yes Reason for no internet access - use public internet access e.g. internet cafe No 1 Yes Use Public Internet access: Internet cafe eg Why does your business not have Internet Access?? Reason for no internet access - internet is too slow to use it No 1 Yes Reason for no internet access - no knowledge about it No 1 Yes Reason for no internet access - other 1 Don't know how to use it 2 Don't have a computer 3 Employees not trained 4 No electricity Other reason for no internet access - I don't know how to use/operate it Not I don't know how to use/operate it. 1 I don't know how to use/operate it. Why does your business not have Internet Access? - Other - I don't know how to use/operate it. Other reason for no internet access - no need for it. Not No need for it. 1 No need for it. Other reason for no internet access - no power/electricity Not No power/electricity 1 No power/electricity Other reason for no internet access - the network is very poor Not The network is very poor. 1 The network is very poor. Why does your business not have Internet Access? - Other - The network is very poor. Other reason for no internet access - cant afford Not cant afford 1 cant afford Other reason for no internet access - services not available Not Services not available in our area 1 Services not available in our area Why does your business not have Internet Access? - Other - Services not available in our area Other reason for no internet access - have never used it Not Have never used it 1 Have never used it Other reason for no internet access - my customers are within the area Not My customers are within the area 1 My customers are within the area Why does your business not have Internet Access? - Other - My customers are within the area Other reason for no internet access - dont know how to use Not Don’t know how to use it 1 Don’t know how to use it Why does your business not have Internet Access? - Other - Don’t know how to use it Other reason for no internet access - low income Not Low income 1 Low income Other reason for no internet access - no internet connection Not No internet connection 1 No internet connection Why does your business not have Internet Access? - Other - No internet connection Other reason for no internet access - don't have a time to use the service Not Don't have a time to use the service 1 Don't have a time to use the service Why does your business not have Internet Access? - Other - Don't have a time to use the service Other reason for no internet access - don't have interest in using internet serv Not Don't have interest in using internet services 1 Don't have interest in using internet services Why does your business not have Internet Access? - Other - Don't have interest in using internet services Other reason for no internet access - don't know how to use Not Don't know how to use it 1 Don't know how to use it Why does your business not have Internet Access? - Other - Don't know how to use it Other reason for no internet access - don't know the meaning of internet service Not Don't know the meaning of internet services 1 Don't know the meaning of internet services Why does your business not have Internet Access? - Other - Don't know the meaning of internet services Other reason for no internet access - low business but I will use it later Not Low business but I will use it later 1 Low business but I will use it later Why does your business not have Internet Access? - Other - Low business but I will use it later Other reason for no internet access - low circulation of money Not Low circulation of money 1 Low circulation of money Why does your business not have Internet Access? - Other - Low circulation of money Other reason for no internet access - no knowledge about it Not No knowledge about it 1 No knowledge about it Other reason for no internet access - less/little income Not LESS/LITTLE INCOME 1 LESS/LITTLE INCOME Other reason for no internet access - I don’t have the know how Not I DON'T HAVE THE KNOW HOW 1 I DON'T HAVE THE KNOW HOW Why does your business not have Internet Access? - Other - I DON'T HAVE THE KNOW HOW Other reason for no internet access - other Not Others 1 Others Other reason for no internet access - nothing Not Nothing 1 Nothing Other reason for no internet access - don’t know Not DK 1 DK Reason for no internet access - too expensive I.15A WHY DOES YOUR BUSINESS NOT HAVE INTERNET ACCESS?I.15A Too expensive................................................ Plan to use internet in the future No 1 Yes Amount the business is willing and able to spend on internet access in a month How much would the business be willing and able to spend on Internet access in a month Business has a bank account No 1 Yes, a dedicated business account 2 Yes, use private account for business purposes Type of bank account 1 Check account 2 Savings account 3 Post Office Type of bank account - current account Not 1 Current account 1 1 Current account Type of bank account - savings account Not 2 Savings account 1 2 Savings account Type of bank account - other Not 3 Other, please specify 1 3 Other, please specify Length of time banking with current bank 1 Less than 6 months 2 6 months to 12 months 3 1 to 2 years 4 2 to 3 years 5 more than 3 years Business has a corporate credit card No 1 Yes Business currently has a business loan from a bank No 1 Yes Business ever rejected for a business loan from a bank No 1 Yes If yes in B.6 why If yes in b.6 why - I could not meet up with the guraantee required by the bank Not I could not meet up with the guraantee required by the bank 1 I could not meet up with the guraantee required by the bank If yes in b.6 why? - - i could not meet up with the guraantee required by the bank If yes in b.6 why - the interest rate offer was too high Not The interest rate offer was too high 1 The interest rate offer was too high If yes in b.6 why - other Not Others 1 Others If yes in B.6 why - credit risk If yes in B.6 why - don't qualify for a loan If yes in B.6 why - not given a reason If yes in B.6 why - other If yes in B.6 why - none If yes in B.6 why - don't know Ever decided not to accept a loan from a bank No 1 Yes Business has an overdraft with the bank No 1 Yes Frequency of communication with your bank 1 once a day 2 Once a week 3 once every two weeks 4 once a month 5 occasionally Purchased an insurance for your business No 1 Yes The bank used by the business offer internet banking services No 1 Yes The bank used by the business offer mobile banking services No 1 Yes Our bank understands our business needs and offers the financial facilities we n 1 agree 2 not sure 3 disagree Our bank understands Our business Needs and offers the financial facilities we need: I will read some statements to you p We are unhappy with the services offered by my bank 1 agree 2 not sure 3 disagree We are unhappy with the services offered by my bank: I will read some statements to you please tell me whether you agree We are considering changing to another bank 1 agree 2 not sure 3 disagree We are considering changing to another bank: I will read some statements to you please tell me whether you agree or disa Our bank is expensive 1 agree 2 not sure 3 disagree Our bank is expensive: I will read some statements to you please tell me whether you agree or disagree Our banks services are slow 1 agree 2 not sure 3 disagree Our banks services are slow: I will read some statements to you please tell me whether you agree or disagree We spend too much time at our bank 1 agree 2 not sure 3 disagree We spend too much time at our bank:I will read some statements to you please tell me whether you agree or disagree I dont understand the fees and charges 1 agree 2 not sure 3 disagree I dont understand the fees and charges: I will read some statements to you please tell me whether you agree or disagree The next branch is too far away 1 agree 2 not sure 3 disagree The next branch is too far away: I will read some statements to you please tell me whether you agree or disagree Reason for no business bank account - business does not need a bank account No 1 Yes Reason for no business bank account - banks would not provide my business with a No 1 Yes Reason for no business bank account - bank accounts are too expensive to maintai No 1 Yes Reason for no business bank account - other Other reason for no business bank account 1 No banks nearby 2 Post office cheaper 3 Too small 5 Takes too long 9 Others Reason for no business bank account B.21 WHY DOES YOUR BUSINESS NOT USE A BANK ACCOUNTB.21A: BUSINESS DOES NOT NEED A BANK ACCOUNT.......................... Reason for no business bank account - am likely to get one soon Not Am likely to get one soon 1 Am likely to get one soon Why does your Business not use a bank account - other - Am likely to get one soon Reason for no business bank account - banks are not available in my area Not Banks are not available in my area. 1 Banks are not available in my area. Why does your Business not use a bank account - other - Banks are not available in my area. Reason for no business bank account - business is still new/just started Not Business is still new/just started 1 Business is still new/just started Why does your Business not use a bank account - other - Business is still new/just started Reason for no business bank account - don't have enough money to save Not Don't have enough money to save 1 Don't have enough money to save Why does your Business not use a bank account - other - Don't have enough money to save Reason for no business bank account - don't know how it operates Not Don't know how it operates/Lack of knowledge 1 Don't know how it operates/Lack of knowledge Why does your Business not use a bank account - other - Don't know how it operates/Lack of knowledge Reason for no business bank account - don't understand/know benefits to business Not Don't understand/know benefits to business people 1 Don't understand/know benefits to business people Why does your Business not use a bank account - other - Don't understand/know benefits to business people Reason for no business bank account - for personal use/home use Not For personal use/home use 1 For personal use/home use Why does your Business not use a bank account - other - For personal use/home use Reason for no business bank account - I don't trust financial institutions Not I don't trust financial institutions. 1 I don't trust financial institutions. Why does your Business not use a bank account - other - I don't trust financial institutions. Reason for no business bank account - I haven't tried to get one/I see no use fo Not I haven't tried to get one/ I see no use for it 1 I haven't tried to get one/ I see no use for it Why does your Business not use a bank account - other - I haven't tried to get one/ I see no use for it Reason for no business bank account - my business is small Not My business is small 1 My business is small Reason for no business bank account - prefer keeping my money Not Prefer keeping my money on my own. 1 Prefer keeping my money on my own. Why does your Business not use a bank account - other - Prefer keeping my money on my own. Reason for no business bank account - their rates/charges are very high Not Their rates/charges are very high. 1 Their rates/charges are very high. Why does your Business not use a bank account - other - Their rates/charges are very high. Reason for no business bank account - to get a bank account I need to register m Not To get a bank account I need the registration of my busi 1 To get a bank account I need the registration of my business Why does your Business not use a bank account - other - To get a bank account I need the registration of my business. Reason for no business bank account - use profits, gains, savings to restock bus Not Use profits, gains, savings to restock business 1 Use profits, gains, savings to restock business Why does your Business not use a bank account - other - Use profits, gains, savings to restock business Reason for no business bank account - I use someone else's account Not I use someone else's account 1 I use someone else's account Why does your Business not use a bank account - other - I use someone else's account Reason for no business bank account - no time for banks Not No time for banks 1 No time for banks Reason for no business bank account - have a personal/private account Not Have a personal/private account 1 Have a personal/private account Why does your Business not use a bank account - other - Have a personal/private account Reason for no business bank account - bank is too far/not available Not Bank is too far/ not available 1 Bank is too far/ not available Why does your Business not use a bank account - other - Bank is too far/ not available Reason for no business bank account - business is small Not Business is small 1 Business is small Reason for no business bank account - business is still new to have an account Not Business is still new to have an account 1 Business is still new to have an account Why does your Business not use a bank account - other - Business is still new to have an account Reason for no business bank account - dont have enough money to save Not Don’t have enough money to save/Less income 1 Don’t have enough money to save/Less income Why does your Business not use a bank account - other - Don’t have enough money to save/Less income Reason for no business bank account - use a personal account Not Use a personal account 1 Use a personal account Reason for no business bank account - will open one in future Not Will open one in future 1 Will open one in future Reason for no business bank account - bank is far/not available in my area Not Bank is far/not available in my area 1 Bank is far/not available in my area Why does your Business not use a bank account - other - Bank is far/not available in my area Reason for no business bank account - I am not qualified to open bank account Not I am not qualified to open bank account 1 I am not qualified to open bank account Why does your Business not use a bank account - other - I am not qualified to open bank account Reason for no business bank account - I am saving my money on my own Not I am saving my money on my own (home, hiden place) 1 I am saving my money on my own (home, hiden place) Why does your Business not use a bank account - other - I am saving my money on my own (home, hiden place) Reason for no business bank account - I am using mobile phone account Not I am using mobile phone account 1 I am using mobile phone account Why does your Business not use a bank account - other - I am using mobile phone account Reason for no business bank account - long time in the line Not Long time in the line and higher concentration of custom 1 Long time in the line and higher concentration of customers Why does your Business not use a bank account - other - Long time in the line and higher concentration of customers in th Reason for no business bank account - low business but I will use it later Not Low business but I will use it later 1 Low business but I will use it later Why does your Business not use a bank account - other - Low business but I will use it later Reason for no business bank account - low capital/not enough capital Not Low capital/Not enough capital to open bank account 1 Low capital/Not enough capital to open bank account Why does your Business not use a bank account - other - Low capital/Not enough capital to open bank account Reason for no business bank account - providing loans to my fellows Not Providing loans to my fellows 1 Providing loans to my fellows Why does your Business not use a bank account - other - Providing loans to my fellows Reason for no business bank account - I use a personal acount Not I use a personal acount 1 I use a personal acount Reason for no business bank account - planning on getting one Not Planning on getting one 1 Planning on getting one Reason for no business bank account - banks are far from my area Not Banks are far from my area 1 Banks are far from my area Why does your Business not use a bank account - other - Banks are far from my area Reason for no business bank account - not enough money to save Not Not enough money to save 1 Not enough money to save Reason for no business bank account - no need Not No need 1 No need Reason for no business bank account - no knowledge about them Not No kowledge about them 1 No kowledge about them Reason for no business bank account - have little/less income to deposit Not Have little/less income, money to deposit/Don’t save mon 1 Have little/less income, money to deposit/Don’t save money Why does your Business not use a bank account - other - Have little/less income, money to deposit/Don’t save money Reason for no business bank account - use a personal account Not Use a personal account 1 Use a personal account Reason for no business bank account - I dont know how to open an account Not I don’t know how to open an account 1 I don’t know how to open an account Why does your Business not use a bank account - other - I don’t know how to open an account Reason for no business bank account - bank is far Not Bank is far 1 Bank is far Reason for no business bank account - recently established/newly opened Not Recently established/newly opened 1 Recently established/newly opened Why does your Business not use a bank account - other - Recently established/newly opened Reason for no business bank account - used as working money/capital Not Used as working money/capital 1 Used as working money/capital Why does your Business not use a bank account - other - Used as working money/capital Reason for no business bank account - use profit for personal use/family use Not Use profit for personal use/family use 1 Use profit for personal use/family use Why does your Business not use a bank account - other - Use profit for personal use/family use Reason for no business bank account - our sales is small Not Our sales is small 1 Our sales is small Reason for no business bank account - I dont have the habit of using this servic Not I don’t have the habit of using this service 1 I don’t have the habit of using this service Why does your Business not use a bank account - other - I don’t have the habit of using this service Reason for no business bank account - I don't need it at all Not I don't need it at all 1 I don't need it at all Reason for no business bank account - there is no service giver in our village Not there is no service giver in our village 1 there is no service giver in our village Why does your Business not use a bank account - other - there is no service giver in our village Reason for no business bank account - other Not Others 1 Others Reason for no business bank account - nothing Not Nothing 1 Nothing Reason for no business bank account - don’t know Not DK 1 DK Means of sending and receiving money - mobile money No 1 Yes Means of sending and receiving money - post office No 1 Yes Means of sending and receiving money - western union/moneygram etc No 1 Yes Western Union/Moneygram etc: what means of sending and receiving does the business use Means of sending and receiving money - bank No 1 Yes Means of sending and receiving money - send cash with someone No 1 Yes send cash with someone: what means of sending and receiving does the business use Means of sending and receiving money - other Other means of sending and receiving money 1 In person 9 Others Means of sending and receiving money - in person/cash at hand Not In person/Cash at hand. 1 In person/Cash at hand. what means of sending and receiving does the business use - Other - In person/Cash at hand. Means of sending and receiving money - customers bring money themselves Not Customers bring money themselves 1 Customers bring money themselves what means of sending and receiving does the business use - Other - Customers bring money themselves Means of sending and receiving money - cash in hand Not Cash in hand 1 Cash in hand what means of sending and receiving does the business use - Other - Cash in hand Means of sending and receiving money - pay in person Not Pay in person 1 Pay in person what means of sending and receiving does the business use - Other - Pay in person Means of sending and receiving money - receive cash from customer Not Receive cash from customer 1 Receive cash from customer what means of sending and receiving does the business use - Other - Receive cash from customer Means of sending and receiving money - payed myself Not Payed myself 1 Payed myself what means of sending and receiving does the business use - Other - Payed myself Means of sending and receiving money - Gong (upatu) Not Gong (upatu) 1 Gong (upatu) what means of sending and receiving does the business use - Other - Gong (upatu) Means of sending and receiving money - saving money in small box Not Saving money in my small money box (KIBUBU) 1 Saving money in my small money box (KIBUBU) what means of sending and receiving does the business use - Other - Saving money in my small money box (KIBUBU) Means of sending and receiving money - in person/cash at hand Not In person/Cash at hand. 1 In person/Cash at hand. what means of sending and receiving does the business use - Other - In person/Cash at hand. Means of sending and receiving money - in person Not In person 1 In person Means of sending and receiving money - nothing Not Nothing 1 Nothing Means of sending and receiving money - don’t know Not DK 1 DK Most used means of sending and receiving money 1 Mobile Money 2 Post Office 3 Western Union/Moneygram 4 Bank 5 send cash with someone 6 Pay myself (in person) Business send or receive money via mobile phones No 1 Yes does the business send or receive money via mobile phones (mobile money - mobile money transfer such as MPESA or Mobipay) Mobile money providers the business use Mobile money providers the business use Mobile money providers the business use - FNB Mobile money providers the business use - Barclays Mobile money providers the business use - Mascom Mobile money providers the business use - E wallet Mobile money providers the business use - TIGO Not TIGO 1 TIGO Mobile money providers the business use - Z-PESA Not Z-PESA 1 Z-PESA Mobile money providers the business use - ZAP Not ZAP 1 ZAP Mobile money providers the business use - M-PESA Not M-PESA 1 M-PESA Mobile money providers the business use - MTN mobile money Not MTN MOBILE MONEY 1 MTN MOBILE MONEY Mobile money providers the business use - TIGO cash Not TIGO CASH 1 TIGO CASH Mobile money providers the business use - M PESA Not M PESA 1 M PESA Mobile money providers the business use - MTN mobile money Not MTN MOBILE MONEY 1 MTN MOBILE MONEY Mobile money providers the business use - M SENTE mobile money Not M SENTE MOBILE MONEY 1 M SENTE MOBILE MONEY Mobile money providers the business use - AIRTEL money Not AIRTEL MONEY 1 AIRTEL MONEY Mobile money providers the business use - M PESA Not M PESA 1 M PESA Mobile money providers the business use - other Mobile money providers the business use - nothing Not Nothing 1 Nothing Mobile money providers the business use - don’t know Not DK 1 DK Time business has been using mobile money transfers with suppliers how long has the business been using mobile money transfers for transactions with Suppliers (months) Time business has been using mobile money transfers with customers how long has the business been using mobile money transfers for transactions with customers Major reason for using mobile money Major reason for using mobile money - 48 MM.6B WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - 48 Major reason for using mobile money - 49 MM.6B WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - 49 Major reason for using mobile money - no info MM.6B WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - No info Major reason for using mobile money - it is time saving/fast Not It is time saving/fast 1 It is time saving/fast WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - It is time saving/fast Major reason for using mobile money - reduction in movements Not Reduction on movements. 1 Reduction on movements. WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Reduction on movements. Major reason for using mobile money - to make payments Not To make payments 1 To make payments WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - To make payments Major reason for using mobile money - to easily buy and sell the products Not To easily buy and sell the products. 1 To easily buy and sell the products. WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - To easily buy and sell the products. Major reason for using mobile money - to make my work easier/it simplifies work Not To make my work easier/It simplifies work. 1 To make my work easier/It simplifies work. WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - To make my work easier/It simplifies wo Major reason for using mobile money - to receive money from customers Not To receive money from customers 1 To receive money from customers WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - To receive money from customers Major reason for using mobile money - to save on or reduce on transport costs Not To save on or reduce on transport costs. 1 To save on or reduce on transport costs. WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - To save on or reduce on transport costs Major reason for using mobile money - cheap in money transaction Not Cheap in money transaction.e.g paying suppliers,debt co 1 Cheap in money transaction.e.g paying suppliers,debt collec WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Cheap in money transaction.e.g paying Major reason for using mobile money - more safe/secure Not More safe / secure. 1 More safe / secure. WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - More safe / secure. Major reason for using mobile money - alternative to hard cash Not Alternative to hard cash. 1 Alternative to hard cash. WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Alternative to hard cash. Major reason for using mobile money - saves time/fast Not Saves time / Fast especially in distance transactions. 1 Saves time / Fast especially in distance transactions. WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Saves time / Fast especially in distan Major reason for using mobile money - convinient/easily available Not Convinient / Easily available. 1 Convinient / Easily available. WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Convinient / Easily available. Major reason for using mobile money - a way of earning income Not A way of earning income 1 A way of earning income WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - A way of earning income Major reason for using mobile money - easy to use Not Easy to use 1 Easy to use WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Easy to use Major reason for using mobile money - easy to make payments Not Easy to make payments eg to distributors, suppliers 1 Easy to make payments eg to distributors, suppliers WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Easy to make payments eg to distributor Major reason for using mobile money - simple to receive money Not Simple to receive money 1 Simple to receive money WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Simple to receive money Major reason for using mobile money - simplify relationship with customers Not Simplify relationship between me and my customers 1 Simplify relationship between me and my customers WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Simplify relationship between me and my Major reason for using mobile money - simplify transportation costs and on time Not Simplify transportation costs and on time availability o 1 Simplify transportation costs and on time availability of pr WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Simplify transportation costs and on ti Major reason for using mobile money - to save money from my business Not To save money from my business 1 To save money from my business WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - To save money from my business Major reason for using mobile money - it is easy to use Not It is easy to use 1 It is easy to use WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - It is easy to use Major reason for using mobile money - most of my suppliers use it Not Most of my suppliers use it 1 Most of my suppliers use it WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Most of my suppliers use it Major reason for using mobile money - to make payments easy Not To make payments easy 1 To make payments easy WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - To make payments easy Major reason for using mobile money - it is cheap Not It is cheap 1 It is cheap WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - It is cheap Major reason for using mobile money - it is fast Not It is fast 1 It is fast WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - It is fast Major reason for using mobile money - it is safe Not It is safe 1 It is safe WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - It is safe Major reason for using mobile money - for business purpose Not for business purpose 1 for business purpose WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - for business purpose Major reason for using mobile money - to send and receive money Not To send and receive money 1 To send and receive money WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - To send and receive money Major reason for using mobile money - other Not Others 1 Others WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Others Major reason for using mobile money - nothing Not Nothing 1 Nothing WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - Nothing Major reason for using mobile money - don’t know Not DK 1 DK WHAT WAS THE MAJOR REASON THAT LED TO THE BUSINESS TO START USING MOBILE MONEY? - DK The business uses mobile money for paying employees No 1 Yes The business uses mobile money for paying insurance No 1 Yes The business uses mobile money for paying suppliers No 1 Yes The business uses mobile money for paying bills No 1 Yes The business uses mobile money for paying taxes No 1 Yes The business uses mobile money for paying pension fund contributions No 1 Yes The business uses mobile money for receiving payments from customers No 1 Yes The business uses mobile money for other Largest amount sent with the mobile phone to settle business payment what is the largest amount sent with the mobile phone to settle business payments? Largest amount received through the mobile phone for business purposes what is the largest amount received through the mobile phone for business purposes? Would the business send higher mobile amounts if that was allowed No 1 Yes Would the business receive higher mobile money amounts if that was allowed No 1 Yes Amount the business send on average per business transaction Amount the business receive on average per business transaction How often the business make payments by mobile phone 1 Daily 2 Weekly 3 Monthly 4 Occasionally How often the business receive payments through the mobile phone 1 Daily 2 Weekly 3 Monthly 4 Occasionally Does mobile money transfer system responds to business needs No 1 Yes Mobile money helps the business to save transport costs 1 disagree 2 not sure 3 agree Mobile money helps the business get access to loans 1 disagree 2 not sure 3 agree Mobile money helps the business better manage the cash flow 1 disagree 2 not sure 3 agree Mobile money helps the business pay suppliers more easily 1 disagree 2 not sure 3 agree Mobile money facilitates business 1 disagree 2 not sure 3 agree if the supplier gets paid faster, the business gets the goods faster and hence can deliver to customers faster Mobile money did not make any difference in the way we conduct business 1 disagree 2 not sure 3 agree Mobile money helps the business recover money from customers much faster 1 disagree 2 not sure 3 agree Sales increased since the business used mobile money 1 disagree 2 not sure 3 agree Credit exposure to customers was reduced since the business started using mobile 1 disagree 2 not sure 3 agree credit exposure to customers was reduced since the business started using mobile money The business use mobile money to pay suppliers from outside my city 1 disagree 2 not sure 3 agree Sending and receiving money with mobile money reduced banking transactions 1 disagree 2 not sure 3 agree Mobile money helps the business to pay suppliers from other countries 1 disagree 2 not sure 3 agree it would help the business if i could use mobile money to pay suppliers from other countries. I trust that my business information are safe with the use of mobile money servi 1 disagree 2 not sure 3 agree I trust that my business information are safe with the use of mobile Money services Agents capacity to hold cash and float are two main barriers for businesses 1 disagree 2 not sure 3 agree Agents are far from my location 1 disagree 2 not sure 3 agree Mobile money allows the business to reach more customers 1 disagree 2 not sure 3 agree Mobile money has improved the efficiency of the business 1 disagree 2 not sure 3 agree Agents opening hours are not convenient 1 disagree 2 not sure 3 agree Agents only allow me to make small transactions 1 disagree 2 not sure 3 agree Why the business does not use mobile money 1 No Need/no interest 2 No knowledge on how to use it 3 Inadequate information 4 No cellphone 5 Too far/No agents available 6 No electricity 7 Don't trust it 8 Expensive/Can't Afford it 9 My bank does not offer this service 10 Others Is the business planning to use mobile money in future No 1 Yes Rating of the current performance of your business (2011) 1 very bad 2 bad 3 fair 4 good 5 very good Performance expectation of your business in 2012 1 very bad 2 bad 3 fair 4 good 5 very good Plan to employ more or less in 2012 1 much less 2 less 3 same 4 more 5 much more Plan to invest more or less in 2012 1 much less 2 less 3 same 4 more 5 much more Major business obstacles Major business obstacles - finance/funds 1 Access to Finance Major business obstacles - second reason Major obstacle for using ICTs for business Major business obstacle for using ICTs for business - no need What do you consider your major business obstacle for using ICTs for business:No need/Not needed Major business obstacle for using ICTs for business - too expensive/lack of fund Major business obstacle for using ICTs for business - lack of skills/knowledge Major business obstacle for using ICTs for business - location/no permanent prem Major business obstacle for using ICTs for business - no electricity Major business obstacle for using ICTs for business - power failures/power cuts Major business obstacle for using ICTs for business - network problems Major business obstacle for using ICTs for business - business too small Major business obstacle for using ICTs for business - security/safety Major business obstacle for using ICTs for business - outdated ICT products/old Major business obstacle for using ICTs for business - don't know what ICT'S are Major business obstacle for using ICTs for business - internet is slow Major business obstacle for using ICTs for business - viruses Major business obstacle for using ICTs for business - customers don't use it Major business obstacle for using ICTs for business - in process of installing Major business obstacle for using ICTs for business - crime Major business obstacle for using ICTs for business - none Major business obstacle for using ICTs for business - other Major business obstacle for using ICTs for business - dont know Major business obstacle for using ICTs for business - none Major business obstacle for using ICTs for business Major business obstacle for using ICTs for business Major business obstacle for using ICTs for business Major business obstacle for using ICTs for business Major business obstacle for using ICTs for business - other Major business obstacle for using ICTs for business - don't know Major business obstacle for using ICTs for business - none Major business obstacle for using ICTs for business - none BC.6 WHAT DO YOU CONSIDER YOUR MAJOR OBSTACLE FOR USING ICTS FOR BUSINESS? - None Formality: filter = 1 Not Selected 1 Selected If yes in B.6 why - turnover fluctuates If yes in B.6 why - not given a reason If yes in B.6 why - already had a loan If yes in B.6 why - not answered Serial Id Weight: Apply to Households Weight: Apply to Individuals Average 2012 implied PPP conversion rate based on IMF for 2012 RIA Country 1 Uganda 2 Kenya 3 Tanzania 4 Rwanda 5 Ethiopia 6 Ghana 7 Cameroon 8 Nigeria 9 Namibia 10 South Africa 11 Mozambique 12 Botswana Location 1 Urban 2 Rural How much did the household spend on water and electricity last month? Does this house have ELECTRICITY? No 1 Main Electricity Grid 2 Generator 3 Solar 4 Other REFRIGERATOR No 1 Yes TV No 1 Yes Satellite Decoder or Cable No 1 Yes COMPUTER (Desktop/Laptop) No 1 Yes Has this household subscribed to Pay TV (DSTV)? No 1 Yes Does this house have piped water? No 1 Yes, into the yard 2 Yes, into the house ELECTRIC or Gas COOKER /STOVE No 1 Yes RADIO No 1 Yes If yes which one? How good is the TV signal in your area no reception 1 weak [unclear picture, sound] 2 strong (clear picture and sound) How good is the Radio reception in your area? no reception 1 weak 2 good Does this household have a postal address? No 1 Private Post box 2 Street address 3 At work 4 Local shop/school 5 Other Does anybody in this household have a bank account or has access to one in any o No 1 At least one household member has one 2 Through work 3 Through someone else How many people in this household have either a long-term illness or condition, Does the household receive any financial support (government / NGO) for those pe No 1 Yes Does this household have a Fixed-line (land)Phone No 1 Yes, landline 2 Yes, wireless 3 Mobile Phone What is the name of the service provider? In what year did you get the fixed-line TELEPHONE? What billing type is it? 1 Monthly billing 2 Pre-paid 3 Both Could you tell me how much the household spent on the fixed-line last month (cal If calls were cheaper would the household: 1 make more calls 2 use the saved money for something else 3 both 4 do not know Have you previously had a fixed-line phone? No 1 Yes No Fixed: We use mobile phones No 1 Yes No Fixed:Fixed phones are not available where I live No 1 Yes No Fixed:No regular income No 1 Yes No Fixed:Cannot afford one No 1 Yes No Fixed:Too long wait for a fixed line No 1 Yes No Fixed:Other, please specify: Calls cheaper: Under which conditions would you consider getting a fixed-line (l No 1 Yes Line rental cheaper: Under which conditions would you consider getting a fixed-l No 1 Yes Available as prepaid: Under which conditions would you consider getting a fixed- No 1 Yes Available in my area: Under which conditions would you consider getting a fixed- No 1 Yes What type of billing would you prefer? Do not want any 1 Pre-paid 2 Post paid Highest YEs:How much would the household be willing and able to spend monthly on Lowest NO: How much would the household be willing and able to spend monthly on Does this household have a working Internet connection? No 1 Yes Modem / ISDN dial-up: What type of internet connection is this? No 1 Yes ADSL: What type of internet connection is this? No 1 Yes Mobile modem (3G): What type of internet connection is this? No 1 Yes Using mobile phone: What type of internet connection is this? No 1 Yes Wireless Broadband: What type of internet connection is this? No 1 Yes Other, please specify: How much is spent monthly for the INTERNET (subscription & use)? What is the name of the service provider? Telecom Namibia MTC Other ISP LEO How many household members use the Internet at home? How many of household members that use the Internet at home are below the age of What is the main reason why the household does not have a working Internet Conne 1 Cannot afford it 2 Not available in the area 3 Do not know how to use it 4 Other, please specify: Other, please specify: You stated that your main reason for not having internet is that it is too expen Age First Name Gender Male 1 Female How related to Household head 1 head of household 2 spouse/partner 3 son/daughter 4 grandchild 5 parent 6 brother /sister 7 other relative 8 not related marital status 1 married 2 single 3 widowed 4 divorced 5 other 6 NA highest level of schooling completed 1 none 2 primary 3 secondary 4 Tertiary: diploma /Certificate 5 Tertiary: BSc/BA 6 tertiary: Masters 7 tertiary: PhD Total years of schooling If you have any additional vocational certificates please specify: Main activity during last 6 months? 2 student / pupil 3 unpaid house work (eg housewife) 4 retired 5 unemployed 6 disabled and unable to work 7 employed 8 self-employed If employed or self employed: Years work experience: What do you EARN EVERY MONTH IN TERMS OF SALARY OR WAGE? What do you EARN EVERY MONTH IN TERMS OF SELF EMPLOYMENT INCOME AND PROPERTY INC What do you EARN EVERY MONTH IN TERMS OF PENSION, TRANSFER INCOME & SCHOLARSHIPS How much money do you have for your free disposal each month (spend without cons How much do you contribute to household expenses every month? During the last 30 days, for how many days did you not have enough to eat? Can you read a letter or newspaper? 1 easily 2 with difficulty 3 not at all Can You Write a letter? 1 easily 2 with difficulty 3 not at all How often a week do you read newspapers never 1 infrequently 3 daily What is the main household language: Can you easily read and write English? No 1 Yes What other languages do you understand or speak (local or foreign) apart from wh Do you own a portable CD player, MP3 Player or iPod? No 1 Yes Do you have a bank account (bank or Post office)? No 1 Yes How often do you send or receive money? never 1 daily 2 weekly 3 monthly 4 rarely eve How often do you send or receive mail (postal services)? never 1 daily 2 weekly 3 monthly 4 rarely ever Do you belong to any religious groups (Church eg)? No 1 Yes Do you belong to any trade unions? No 1 Yes Do you belong to any organised Cultural, Social or political group No 1 Yes Do you belong to any farmer associations or cooperatives? No 1 Yes Do you belong to any Savings clubs / micro finance groups/ Burial societies No 1 Yes Do you belong to any Other social network (sport, reading etc) No 1 Yes Do you participate in decision making at village/city/municipal level? No 1 Yes How would you rate your overall health? 1 excellent 2 good 3 fair 4 poor Are you currently receiving long-term medical treatment (medications) for any il No 1 Yes Most people I know live near me and know each other 1 Do not agree 2 Not sure 3 Agree I know many people who have different backgrounds to me 1 Do not agree 2 Not sure 3 Agree I feel alone in within my community 1 Do not agree 2 Not sure 3 Agree Thinking about your 5 closest friends, how many of them have a mobile phone (min Thinking about your 5 closest friends, how many of them have an email address (m Thinking about your 5 closest friends, how many of them use a online social netw During a typical week how many hours do you spend socialising face to face with Do you have a National ID Card No 1 Yes Do you have a Passport? No 1 Yes Do you watch TV? No 1 Yes How many hours a day do you watch Television on average? very irregularly 1 less than 1 hour 2 between 1 and 2 hours 3 between 2 and 4 hours 4 more than 4 hours Where do you watch television mainly? 1 at home 2 at friends, relatives or neighbours home 3 public places (bars, community halls, TV Clubs) 4 other What TV Station do you watch (multiple response)? What is your favourite programme? please specify What time do you normally watch TV? Are you happy with the choice of programs you receive on TV? No 1 Yes entertainment: What programmes do you view? No 1 Yes educational programmes: What programmes do you view? No 1 Yes news: What programmes do you view? No 1 Yes sports: What programmes do you view? No 1 Yes health programmes: What programmes do you view? No 1 Yes other, please specify: What programmes do you view? Have you heard about Digital migration? No 1 Yes entertainment: If there would be more channels available, which programmes would 1 same 2 more 3 much more educational programmes: If there would be more channels available, which program 1 same 2 more 3 much more news: If there would be more channels available, which programmes would you like 1 same 2 more 3 much more sports: If there would be more channels available, which programmes would you li 1 same 2 more 3 much more health programmes: If there would be more channels available, which programmes w 1 same 2 more 3 much more other, please specify: If there would be more channels available, which programm Do you think programs you see on TV are relevant to your needs? No 1 Yes With regard to TV licences, what would you prefer 1 tax financed (income tax) 2 TV licence fees TV expands my thinking and understanding of the world 1 Do not agree 2 not sure 3 agree I only watch satellite TV (DSTV eg) 1 Do not agree 2 not sure 3 agree I rely on TV for my education 1 Do not agree 2 not sure 3 agree TV connects to my country and my community 1 Do not agree 2 not sure 3 agree Programmes on TV are all boring and irrelevant to me. 1 Do not agree 2 not sure 3 agree I find TV programmes morally offensive sometimes 1 Do not agree 2 not sure 3 agree I keep my TV on all the time and watch what ever is being broadcasted 1 Do not agree 2 not sure 3 agree TV helps to find jobs by keeping me informed 1 Do not agree 2 not sure 3 agree Content on TV should be more relevant to my community 1 Do not agree 2 not sure 3 agree I could not live without TV 1 Do not agree 2 not sure 3 agree I am hooked to soapies (TV series) 1 Do not agree 2 not sure 3 agree I would like to have Pay TV (eg DSTV) but cannot afford it 1 Do not agree 2 not sure 3 agree not interested: If you don't watch TV, why not? No 1 Yes house has no electricity: If you don't watch TV, why not? No 1 Yes cannot afford a TV set: If you don't watch TV, why not? No 1 Yes Dont have time to watch TV: If you don't watch TV, why not? No 1 Yes cannot afford TV licence: If you don't watch TV, why not? No 1 Yes other, please specify: If you don't watch TV, why not? Do you listen to radio? No 1 Yes Do you own a personal radio which you can use at any time? No 1 Yes How many hours a day do you listen to RADIO on average? very irregularly 1 less than 1 hour 2 between 1 and 2 hours 3 between 2 and 4 hours 4 more than 4 hours What times do you usually listen to radio? What times do you usually listen to radio? - 5:00-8:00 No 1 Yes What times do you usually listen to radio? - 8:00-16:00 No 1 Yes What times do you usually listen to radio? - 16:00-20:00 No 1 Yes What times do you usually listen to radio? - 20:00-24:00 No 1 Yes What times do you usually listen to radio? - 24:00-5:00 No 1 Yes Where do you listen to radio mainly 1 at home 2 Radio club 3 work 4 at friends, relatives or neighbours home 5 public places (bars, community halls etc.) 6 while travelling (car or public transport) 7 using my mobile phone 8 other music: What programmes do you listen to ? No 1 Yes politics: What programmes do you listen to ? No 1 Yes educational programmes: What programmes do you listen to ? No 1 Yes programmes on local issues: What programmes do you listen to ? No 1 Yes sports: What programmes do you listen to ? No 1 Yes news: What programmes do you listen to ? No 1 Yes business purposes: What programmes do you listen to ? No 1 Yes health programmes: What programmes do you listen to ? No 1 Yes religious: What programmes do you listen to ? No 1 Yes What is your favourite programme? What language to you listen to most on radio? Which programmes would you like to listen to more? The radio provides me with relevant health information: What programmes do you l 1 Do not agree 2 not sure 3 agree The radio provides me with useful information for farming: What programmes do yo 1 Do not agree 2 not sure 3 agree Radio Content in my language is important for me: What programmes do you listen 1 Do not agree 2 not sure 3 agree I only listen to news: What programmes do you listen to ? 1 Do not agree 2 not sure 3 agree The radio helps find a job by keeping me informed: What programmes do you listen 1 Do not agree 2 not sure 3 agree I mostly listen to music: What programmes do you listen to ? 1 Do not agree 2 not sure 3 agree My radio is always switched on: What programmes do you listen to ? 1 Do not agree 2 not sure 3 agree If you do not listen to radio, why not? 1 I don't like listing to the radio 2 I cannot afford one 3 other, please specify other, please specify Have you used any Public Phones (any type, including call boxes, umbrella operat No 1 Yes How often do you use a public phone? 1 More than once a day 2 Every day or almost every day 3 At least once a week 4 At least once a month 5 Less than once a month What is the walking distance to the next public phone from your home 1 less than 10 minutes 2 10 to 20 minutes 3 20 to 30 minute 4 30 to 60 minutes 5 1 to 2 hours 6 to far to walk How often would you use a public telephone if one was within 5 minute walking di 1 More than once a day 2 Every day or almost every day 3 At least once a week 4 At least once a mont 5 Less than once a month On average how much do you spend monthly on using PUBLIC PHONES (local currency) How much would you spend if a Public phone was within 30 minute walking distan How much would you spend if a m Public phone was within 5 minute walking dista What type of public phones are you using most: 1 Telephone Booth (fixed line operator) 2 Telephone kiosk, umbrella operator 3 Other, please specify Other, please specify What is the main reason for using public phones? 1 do not have a fixed line phone at home 2 do not have a mobile phone 3 use it because it is cheaper 4 easier than having to recharge airtime mobile 5 difficulties charging the battery of mobile 6 other, please specify Other, please specify What makes you choose a particular Community/Public Pay-Phone? 1 Price of calls 2 Convenience (e.g. close to my house) 3 Security while using 4 Other, please specify Other, please specify What would be your preferred location for public phone usage 1 Where you shop 2 Where you work 3 Close to home 4 Other, please specify Other, please specify Do you receive calls on Public phones? No 1 daily 2 weekly 3 monthly 4 occasionally Would you receive more calls , if a public phone was within 5 minutes walking di No 1 Yes too inconvenient to use: Why are you not using public phones? (multiple response No 1 Yes not safe to use at night: Why are you not using public phones? (multiple respons No 1 Yes too expensive: Why are you not using public phones? (multiple response) No 1 Yes lack of privacy: Why are you not using public phones? (multiple response) No 1 Yes I prefer to use the household phone: Why are you not using public phones? (multi No 1 Yes I prefer to use the phone at work or at school: Why are you not using public pho No 1 Yes I prefer to use my mobile: Why are you not using public phones? (multiple respon No 1 Yes Other, please specify: : Why are you not using public phones? (multiple response Do you own a mobile phone? No 1 Yes How long ago did YOU get your first MOBILE PHONE? (in Years) How many ACTIVE SIM cards do you have? If you have more than one SIM card, why? Is your mobile phone (main SIM card) 1 prepaid 2 postpaid Where do you charge your mobile phone (battery) mostly? 1 home 2 shop 3 work/school 4 other Do you share your mobile phone with others? No 1 daily 2 once a week 3 several times a week 4 several times a month 5 occasional Is you mobile phone capable of browsing the Internet? No 1 Yes How old is your phone (in years)? How did you get your current (latest) mobile phone 1 I got a new mobile when I signed a contract 2 I bought a new phone 3 I bought a second-hand phone 4 I got my from family or friends What is the name of your current service provider (main provider if multiple SIM Are you happy with your current service provider ? No 1 Yes Could you tell me how much you spent last MONTH for mobile phone usage (airtime, How do you decide on how much to spend 1 I give myself a monthly budget 2 when ever I have money I recharge 3 when the need arises I decide how much I can afford 4 I subscribed to a monthly plan with bundled minutes 5 other, please specify other, please specify Would you consider changing your service provider if you could keep your number? No 1 Yes Which provider would you change to? What prevents you from making more phone calls, from the mobile phone? 1 Nothing 2 People I want to call have no phones 3 Cost of calls 4 Coverage 5 Do not own a handset 6 other, please specify other, please specify If calls were cheaper would you 1 make more calls 2 use the saved money for something else 3 both Suppose the cost of using your phone came down by half. Which of these statement 1 unchanged phone usage 2 slight increase 3 double my phone usage 4 more than double my phone usage Suppose the cost of using your phone doubled. Which one of these statements best 1 unchanged phone usage 2 slight decrease 3 reduce phone usage by half 4 reduce my phone usage by more than half Making and receiving phone calls No 1 Yes Sending and receiving text messages (SMS) No 1 Yes International calls No 1 Yes Roaming when going abroad No 1 Yes Skype / Voice over IP No 1 Yes Using as a personal organiser / diary / notebook Reminder / watch No 1 Yes MISSED CALL or a PLEASE CALL ME etc No 1 Yes Taking photos or video clips No 1 Yes Facebook,Twitter, Mixit or other social networking No 1 Yes Browsing the Internet No 1 Yes Transfer airtime No 1 Yes Sending or receiving money No 1 Yes SMS to radio or TV programmes No 1 Yes Playing games No 1 Yes Listen to music / radio No 1 Yes Downloaded applications to your mobile phone No 1 Yes Reading and writing Emails No 1 Yes My mobile phone helps me to find work 1 Do not agree 2 Not sure 3 Agree My family is better off because I have a mobile phone 1 Do not agree 2 Not sure 3 Agree My mobile phone saves on travel time and cost 1 Do not agree 2 Not sure 3 Agree The mobile phone is a distraction 1 Do not agree 2 Not sure 3 Agree My mobile phone lets me get more done during the day 1 Do not agree 2 Not sure 3 Agree My mobile phone makes me feel more secure / safe 1 Do not agree 2 Not sure 3 Agree I use my phone more for business than for social calls 1 Do not agree 2 Not sure 3 Agree I use mobile phones to check on the safety of my loved ones and see where they a 1 Do not agree 2 Not sure 3 Agree I use my mobile phone to find out about safety issues and to alert people 1 Do not agree 2 Not sure 3 Agree I use a mobile phone to mobilise the community or for political events 1 Do not agree 2 Not sure 3 Agree The mobile phone is expensive and I end up paying more for it than I can really 1 Do not agree 2 Not sure 3 Agree I worry about sending personal information using my phone 1 Do not agree 2 Not sure 3 Agree I use my phone to access free education content, such as free courses. 1 Do not agree 2 Not sure 3 Agree People who share your hobbies/sports 1 decrease 2 the same 3 increase People who share your political views 1 decrease 2 the same 3 increase People who share your religious beliefs 1 decrease 2 the same 3 increase Family & Friends 1 decrease 2 the same 3 increase colleagues 1 decrease 2 the same 3 increase set an alarm for appointment at clinic or doctor: Have you ever used your mobile No 1 Yes set an alarm for taking medicine: Have you ever used your mobile for health purp No 1 Yes Have you ever used your mobile for health purposes? -sms reminder from clinic or No 1 Yes SMS reminder from clinic or doctor: Have you ever used your mobile for health pu No 1 Yes contact with health care workers: Have you ever used your mobile for health purp No 1 Yes Would it be helpful to be able to use your mobile for health? ( receiving SMS r 1 Very helpful 2 A bit helpful 3 Not very helpful 4 Not helpful I cannot afford it: Why don't you have a mobile phone? No 1 Yes No mobile coverage where I live: Why don't you have a mobile phone? No 1 Yes No electricity at home to charge the mobile phone: Why don't you have a mobile p No 1 Yes I don't have anyone to call: Why don't you have a mobile phone? No 1 Yes My phone in broken: Why don't you have a mobile phone? No 1 Yes Why don't you have a mobile phone? - my phone got stolen No 1 Yes My phone got stolen: Why don't you have a mobile phone? No 1 Yes other please specify: Why don't you have a mobile phone? Did you use a mobile in the past three months? No 1 Yes Whos Mobile did you use? Who?s mobile did you use?? - family member No 1 Yes Who?s mobile did you use?? - friends or colleague No 1 Yes Who?s mobile did you use?? - public phone on the roadside No 1 Yes Do you have any active SIM cards, if yes how many? Do you plan to get a mobile phone in the future? If yes when? no 1 Within the next 6 months 2 Within the next year 3 Within the next 2 years Highest YEs: How much would you be willing and able to spend on a mobile phone h Lowest NO: How much would you be willing and able to spend on a mobile phone han Highest YEs: How much would you be willing and able to spend monthly on a mobile Lowest NO: How much would you be willing and able to spend monthly on a mobile p Do you expect to make or receive more calls 1 make more calls than I receive 2 same 3 receive more calls than I make Do you ever use your mobile phone to send or receive money (Mpesa, mobipay)? No 1 Yes Comparing Mobile Money Transfers with other means of sending or receiving money, 1 easier 2 same 3 more difficult Comparing Mobile Money Transfers with other means of sending or receiving money, 1 safer 2 same 3 less safe Comparing Mobile Money Transfers with other means of sending or receiving money, 1 more trustworthy 2 same 3 less trustworthy Comparing Mobile Money Transfers with other means of sending or receiving money, 1 more convenient 2 same 3 less convenient Comparing Mobile Money Transfers with other means of sending or receiving money, 1 faster 2 same 3 slower Comparing Mobile Money Transfers with other means of sending or receiving money, 1 cheaper 2 same 3 more expensive For how long have you used Mobile Money in months? What is the name of your main mobile money service provider? airtime top up: What do you use mobile money transfers for? No 1 Yes salary payments: What do you use mobile money transfers for? No 1 Yes Bill Payments: What do you use mobile money transfers for? No 1 Yes Insurance Payments: What do you use mobile money transfers for? No 1 Yes receive payments: What do you use mobile money transfers for? No 1 Yes receive your pension: What do you use mobile money transfers for? No 1 Yes Other, please specify: What do you use mobile money transfers for? What is the largest amount of Mobile Money you have ever sent or received? What is the smallest amount of Mobile Money you have sent or received ? How much money do you usually send in one transaction? How much money do you usually receive in one transaction? How often do you send or receive Mobile Money? 1 daily 2 weekly 3 mothly 4 rarely ever How Many Days do you keep the money stored in your mobile phone How much do you usually keep stored in your phone? Mobile Money is very useful in managing my finances 1 disagree 2 not sure 3 agree Mobile Money helps me save time and transport cost 1 disagree 2 not sure 3 agree There is pressure form family, friends, employers or employees to use mobile mon 1 disagree 2 not sure 3 agree Mobile Money is replacing my banking transactions 1 disagree 2 not sure 3 agree Agents and network coverage are available for me to use Mobile Money when I need 1 disagree 2 not sure 3 agree most of my friends use Mobile Money 1 disagree 2 not sure 3 agree Using Mobile money is risky, the technology can fail 1 disagree 2 not sure 3 agree I only used Mobile Money after I tried using it 1 disagree 2 not sure 3 agree I will stop using Mobile Money soon 1 disagree 2 not sure 3 agree Would you be interested in using Mobile Money in future? No 1 Yes Bank or Post Office: How do you receive and send money? No 1 Yes Western Union / Moneygram: How do you receive and send money? No 1 Yes Sending Someone: How do you receive and send money? No 1 Yes other, please specify: How do you receive and send money? I am not using Mobile Money because I do not have a mobile Phone 1 disagree 2 not sure 3 agree I have no one sending me money and no one to send money to 1 disagree 2 not sure 3 agree I use other means like bank account, western Union, Money gram, Post office or 1 disagree 2 not sure 3 agree Mobile Money is too expensive 1 disagree 2 not sure 3 agree It is too complicated to use 1 disagree 2 not sure 3 agree Agents are to far away from where I live 1 disagree 2 not sure 3 agree I do not trust Mobile Money 1 disagree 2 not sure 3 agree I do not know what mobile money is 1 DISAGREE 2 ARE NOT SURE 3 AGREE Do you use a computer (Desktop or laptop)? No 1 Yes Work: Where do you use a computer No 1 Yes School, University: Where do you use a computer No 1 Yes Library: Where do you use a computer No 1 Yes At home: Where do you use a computer No 1 Yes Internet Cafe: Where do you use a computer No 1 Yes At a friends place: Where do you use a computer No 1 Yes Other, please specify: Where do you use a computer Writing letters, editing documents: What do you use your computer for No 1 Yes Calculations using spreadsheets such as Excel: What do you use your computer for No 1 Yes Browsing the Internet: What do you use your computer for No 1 Yes Programming: What do you use your computer for No 1 Yes Remixing content found online: music, videos: What do you use your computer for No 1 Yes Playing games: What do you use your computer for No 1 Yes Other, please specify: What do you use your computer for Desktop: Do you own A personal a computer or laptop No 1 Yes Laptop: Do you own A personal a computer or laptop No 1 Yes Other, please specify: Do you own A personal a computer or laptop If not own any: Have you ever owned one before? If not own any: How much could you afford to pay for your own computer? Do you ever use the Internet? (Gmail, Google, Facebook, MXit, email) No 1 Yes Did you use the Internet first on a computer or on a mobile phone ? 1 Computer/Laptop 2 Mobile Phone Any place via a mobile telephone: Where did you use the Internet in the last 12 No 1 Yes What made you use the Internet in the first place? Since how many years have you been using the internet? How often on average have you used the internet in the last 3 months? 1 Every day or almost every day 2 At least once a week 3 At least once a month 4 Less than once a month Do you have an email address? No 1 Yes What is your main language for emailing? Which other languages do you use for emailing? Thinking about browsing the Internet, in what language is the majority content t In what language would you like to see more content? Home: Where did you use the Internet in the last 12 months? No 1 Yes Work: Where did you use the Internet in the last 12 months? No 1 Yes Place of education: Where did you use the Internet in the last 12 months? No 1 Yes Another persons home: Where did you use the Internet in the last 12 months? No 1 Yes Internet cafe or Communual No 1 Yes Community Internet access facility: Where did you use the Internet in the last 1 No 1 Yes Commercial Internet access facility (Internet Cafe): Where did you use the Inter No 1 Yes Any place via another mobile access devices: Where did you use the Internet in t No 1 Yes Other please specify: Where did you use the Internet in the last 12 months? there is no interesting content for me: What limits your use of the Internet? No 1 Yes lack of local language content: What limits your use of the Internet? No 1 Yes the Internet is very slow: What limits your use of the Internet? No 1 Yes to expensive to use: What limits your use of the Internet? No 1 Yes few people to communicate with via the Internet: What limits your use of the In No 1 Yes Other, please specify: What limits your use of the Internet? Are you signed up for any online social network (Facebook, Mixit, Badoo, Twitter No 1 Yes Which social network are you signed up for? Facebook No 1 Yes Linkedin No 1 Yes Twitter No 1 Yes Netlog No 1 Yes HI5 No 1 Yes MySpace No 1 Yes Mixit No 1 Yes Other 1 Mixit 2 2 Go 3 Whatsapp 4 Smuggler 5 U Tube How do you access social networks How concerned would you be about security of your credit card or banking informa 1 Not at all concerned 2 Somewhat concerned 3 Very concerned 4 Extremely concerned Getting information about goods or services: How often do you use the Internet f Never 1 occasionally 2 weekly 3 daily Getting information related to health or health services: How often do you use t Never 1 occasionally 2 weekly 3 daily Getting information from government organizations: How often do you use the Inte Never 1 occasionally 2 weekly 3 daily Interacting with government organizations: How often do you use the Internet for Never 1 occasionally 2 weekly 3 daily Sending or receiving email: How often do you use the Internet for the following Never 1 occasionally 2 weekly 3 daily Telephoning over the Internet/VoIP: How often do you use the Internet for the fo Never 1 occasionally 2 weekly 3 daily Posting information or instant messaging: How often do you use the Internet for Never 1 occasionally 2 weekly 3 daily Purchasing or ordering goods or services: How often do you use the Internet for Never 1 occasionally 2 weekly 3 daily Internet banking: How often do you use the Internet for the following purposes? Never 1 occasionally 2 weekly 3 daily Education or learning activities (formal): How often do you use the Internet for Never 1 occasionally 2 weekly 3 daily Playing or downloading video games or computer games: How often do you use the I Never 1 occasionally 2 weekly 3 daily Downloading movies, images, music, watching TV or video, or listening to radio o Never 1 occasionally 2 weekly 3 daily Downloading software: How often do you use the Internet for the following purpos Never 1 occasionally 2 weekly 3 daily Reading or downloading on-line newspapers or magazines, electronic books: How of Never 1 occasionally 2 weekly 3 daily Participate in distance learning for an academic degree or job training: How oft Never 1 occasionally 2 weekly 3 daily Get information for school or university related work/ Researching a topic: How Never 1 occasionally 2 weekly 3 daily Look for free education content, such as free courses: How often do you use the Never 1 occasionally 2 weekly 3 daily Collaborate online on documents (example Google docs): How often do you use the Never 1 occasionally 2 weekly 3 daily social networking or video-sharing websites (Facebook, Twitter Youtube, Mixit, Never 1 occasionally 2 weekly 3 daily Find or check a fact / Look up a definition of a word: How often do you use the Never 1 occasionally 2 weekly 3 daily Other activities (please specify..........................................): How People who share your hobbies/recreational activities: Does your use of the Inte 1 decreased 2 same 3 increased People who share your political views: Does your use of the Internet increase or 1 decreased 2 same 3 increased People who share your religious beliefs: Does your use of the Internet increase 1 decreased 2 same 3 increased Family and friends: Does your use of the Internet increase or decrease your cont 1 decreased 2 same 3 increased colleagues: Does your use of the Internet increase or decrease your contact with 1 decreased 2 same 3 increased I dont know what the Internet is: What are the reasons why you do not use the In No 1 Yes No interest / not useful: What are the reasons why you do not use the Internet? No 1 Yes I dont know how to use it: What are the reasons why you do not use the Internet? No 1 Yes No computer / internet connection: What are the reasons why you do not use the I No 1 Yes Too expensive: What are the reasons why you do not use the Internet? No 1 Yes No time, too busy: What are the reasons why you do not use the Internet? No 1 Yes None of my friends use it: What are the reasons why you do not use the Internet? No 1 Yes Is too slow, limited bandwidth: What are the reasons why you do not use the Inte No 1 Yes Other, please specify: What are the reasons why you do not use the Internet? Would you be interested in using the Internet if it was available close to where No 1 Yes How much would you be willing and able to spend monthly for using the Internet,