DDI_IDN_2021_KUR_v01_M_WB Development Data Group 2024-08-12 NADA Version 01 (August 2024) Survey of Businesses Receiving The People's Business Credit 2021 KUR 2021 IDN_2021_KUR_v01_M Coordinating Ministry for Economic Affairs NADA Republic of Indonesia Indonesia Nationally representative survey of KUR borrowers Sample survey data [ssd] Regional Economic Development Institute In practice, there were two extra interviews conducted, leading to a total number of interviews of 1,402 instead of the targeted 1,400 interviews. The design weights used in the analysis were adjusted to the actual number of interviews conducted in each strata. Other [oth] All personally identifiable information has been removed from the datasets to respect the confidentiality of the participants. main_deidentified.dta Main data about business 1404 355 bi03_deidentified.dta Business owner roster 1624 6 bi05_deidentified.dta Manager roster 1897 5 bi08_deidentified.dta Information about ownership of another business 822 9 rf05_deidentified.dta Information about loans received from a commercial bank 2449 8 rf15_deidentified.dta Access to assets that could be used as collateral for a bank loan 5616 7 province 1404 district/city 1404 cov04c. Respondent’S Classification 1404 1 2 1 1. MODULE/QUESTIONNAIRE A 2 2. MODULE/QUESTIONNAIRE B strata. Strata 1404 1 40 1 1. STRATA 1 2 2. STRATA 2 3 3. STRATA 3 4 4. STRATA 4 5 5. STRATA 5 6 6. STRATA 6 7 7. STRATA 7 8 8. STRATA 8 9 9. STRATA 9 10 10. STRATA 10 11 11. STRATA 11 12 12. STRATA 12 13 13. STRATA 13 14 14. STRATA 14 15 15. STRATA 15 16 16. STRATA 16 17 17. STRATA 17 18 18. STRATA 18 19 19. STRATA 19 20 20. STRATA 20 21 21. STRATA 21 22 22. STRATA 22 23 23. STRATA 23 24 24. STRATA 24 25 25. STRATA 25 26 26. STRATA 26 27 27. STRATA 27 28 28. STRATA 28 29 29. STRATA 29 30 30. STRATA 30 31 31. STRATA 31 32 32. STRATA 32 33 33. STRATA 33 34 34. STRATA 34 35 35. STRATA 35 36 36. STRATA 36 37 37. STRATA 37 38 38. STRATA 38 39 39. STRATA 39 40 40. STRATA 40 no_urut. Order 1404 1 3996 Unique ID 1404 gender. Gender 1404 1 2 1 2 gender_text 1404 education. Pendidikan 1404 1 6 1 2 3 4 5 6 pendidikan_text 1404 tgl_pengajuan 1404 1404 sq02. Ever Applied Kur 1404 1 1 1 1. Yes 3 3. No sq03. Application Own Name 1404 1 1 1 1. Yes 3 3. No sq04. Ever Received Kur 1404 1 1 1 1. Yes 3 3. No sq05. Business Kur Application 1404 1 3 1 1. Owner 2 2. Manager 3 3. Both, owner and manager 4 4. Neither owner or manager ir01c. Gender 1404 1 3 1 1. Male 3 3. Female ir01d. Note Discrepancy 1404 1 96 1 1. ERROR IN DATABASE 96 96. NO DISCRPENACY ir01e. Highest Education 1404 1 8 1 1. No attended school 2 2. Not complete elementary school (SD)/ Madrasah Ibtidaiyah (MI)/equivalent 3 3. Elementary school (SD)/ Madrasah Ibtidaiyah (MI)/equivalent 4 4. Junior high school (SMP)/ vocational junior high school (ST)/ Madrasah Tsanawiyah (MTs))/equivalent 5 5. Senior high school (SMA)/ vocational senior high school (STM/SMK)/ Madrasah Aaliyah (MA)/equivalent 6 6. D1/D2/D3 7 7. D4/S1 8 8. S2/S3 ir01f. Note Discrepancy 1404 1 96 1 1. ERROR IN DATABASE 2 2. CONTINUED THE EDUCATION AFTER APPLY FOT KUR LOAN 95 95. OTHERS, SPECIFY, ___________ 96 96. NO DISCREPANCY ir02b. Gender 76 1328 1 3 1 1. Male 3 3. Female Sysmiss ir02c. Highest Education 76 1328 2 7 1 1. No attended school 2 2. Not complete elementary school (SD)/ Madrasah Ibtidaiyah (MI)/equivalent 3 3. Elementary school (SD)/ Madrasah Ibtidaiyah (MI)/equivalent 4 4. Junior high school (SMP)/ vocational junior high school (ST)/ Madrasah Tsanawiyah (MTs))/equivalent 5 5. Senior high school (SMA)/ vocational senior high school (STM/SMK)/ Madrasah Aaliyah (MA)/equivalent 6 6. D1/D2/D3 7 7. D4/S1 8 8. S2/S3 Sysmiss date application 1404 note discrepancy 1404 ir03a_w. No Discrepancy 1404 1 1 ir03a_b. Incorrect Month 1404 1 1 ir03a_c. Incorrect Year 1404 1 1 ir03a_d. Forgot Date 1404 1 1 ir03a_v. Other 1404 ir05. Status Business 1404 1 3 1 1. ACTIVE 2 2. CLOSED, PERMANENT └─┴─┴─┴─┘[YYYY] 3 3. CLOSED, TEMPORARY └─┴─┴─┴─┘[YYYY] ir05_tahun. Close Year 166 1238 2015 2021 2015 2016 2017 2018 2019 2020 2021 Sysmiss date started 1404 note discrepancy 1404 ir06a_w. No Discrepancy 1404 1 1 ir06a_b. Incorrect Month 1404 1 1 ir06a_c. Incorrect Year 1404 1 1 ir06a_d. Legality 1404 1 1 ir06a_e. Forgot The Date 1404 1 1 ir06a_v. Other 1404 1 1 sector business 1404 bi01b_sector. Sector Business 1404 1 96 1 1. CROP AND ANIMAL PRODUCTION, HUNTING AND RELATED SERVICE ACTIVITIES 2 2. FORESTRY AND LOGGING 3 3. FISHING AND AQUACULTURE 7 7. MINING OF METAL ORES 8 8. OTHER MINING AND QUARRYING 10 10. MANUFACTURE OF FOOD PRODUCTS 11 11. MANUFACTURE OF BEVERAGES 12 12. MANUFACTURE OF TOBACCO PRODUCTS 13 13. MANUFACTURE OF TEXTILES 14 14. MANUFACTURE OF WEARING APPAREL 15 15. MANUFACTURE OF LEATHER AND RELATED PRODUCT 16 16. MANUFACTURE OF FOOD AND OF PRODUCTS OF WOOD AND CORK, EXCEPT FURNITUR; MANUFACTURE OF ARTICLES OF STRAW AND PLAITING MATERIALS 18 20 22 23 23. MANUFACTURE OF OTHER NON-METALLIC MINERAL PRODUCTS 25 26 27 31 31. MANUFACTURE OF FURNITURE 32 41 43 45 45. WHOLESALE AND RETAIL TRADE AND REPAIR OF MOTOR VEHICLES AND MOTORCYCLES 46 46. WHOLESALE TRADE, EXCEPT OF MOTOR VEHICLES AND MOTORCYCLES 47 47. RETAIL TRADE, EXCEPT OF MOTOR VEHICLES AND MOTORCYCLES 49 49. LAND TRANSPORT AND TRANSPORT VIA PIPELINES 50 52 55 55. ACCOMMODATION 56 56. FOOD AND BEVERAGE SERVICE ACTIVITIES 61 64 64. FINANCIAL SERVICE ACTIVITIES, EXCEPT INSURANCE AND PENSION FUNDING 74 77 85 86 90 93 93. SPORT ACTIVITIES AND AMUSEMENT AND RECREATION ACTIVITIES 95 95. OTHERS, PLEASE DETAIL_________________ 96 96. OTHER PERSONAL SERVICE ACTIVITIES bi01b_subsector. Sub Sector Business 1404 11 969 11 11. GROWING NON-PERENNIAL CROPS 12 12. GROWING OF PERENNIAL CROPS 13 13. PLAN PROPAGATION 14 14. ANIMAL PRODUCTION 16 16. SUPPORT ACTIVITIES TO AGRICULTURE AND POST-HARVEST CROP ACTIVITIES 17 17. HUNTING, TRAPPING AND RELATED SERVICE ACTIVITIES 21 21. SILVICULTURE AND OTHER FORESTRY ACTIVITIES 22 22. LOGGING 23 23. GATHERING OF NON-WOOD FOREST PRODUCT 24 24. SUPPORT SERVICES TO FORESTRY 31 31. FISHING 32 32. AQUACULTURE 71 71. MINING OF IRON ORES 72 72. MINING ON-FERROUS METAL ORES 73 73. MINING OF NOBLE METAL ORES 81 81. QUARRYING OF STONE, SAND AND CLAY 89 89. MINING AND QUARRYING n.e.c 101 101. PROCESSING AND PRESERVING OF MEAT 102 102. PROCESSING AND PRESERVING OF FISH, CRUSTACEANS AND MOLLUCS 103 103. PROCESSING AND PRESERVING OF FRUIT AND VEGETABLES 104 104. MANUFACTURE OF VEGETABLE AND ANIMAL OILS AND FATS 105 105. MANUFACTURE OF DAIRY PRODUCTS 106 106. MANUFACTURE OF GRAIN MILL PRODUCTS, STARCHES AND STARCH PRODUCTS 107 107. MANUFACTURE OF OTHER FOOD PRODUCTS 110 110. MANUFACTURE OF BEVERAGES 120 120. MANUFACTURE OF TOBACCO PRODUCTS 131 131. SPINNING, WEAVING AND FINISHING OF TEXTILES 139 139. MANUFACTURE OF OTHER TEXTILES 141 141. MANUFACTURE OF WEARING APPAREL, EXCEPT FUR APPAREL 142 142. MANUFACTURE OF ARTICLES OF FUR 143 143. MANUFACTURE OF KNITTED AND CROCHETED APPAREL 151 151. TANNING AND DRESSING OF LEATHER, MANUFACTURE OF LUGGAGE, HANDBAGS, SADDLERY AND HARNESS, DRESSING AND DYEING OF FUR 152 152. MANUFACTUR OF FOOTWEAR 161 161. SAWMILLING PLANING OF WOOD 162 162. MANUFACTURE OF PRODUCTS OF WOOD, CORK, STRAW AND PLAITING MATERIALS 181 202 222 231 231. MANUFACTURE OF GLASS AND GLASS PRODUCTS 239 239. MANUFACTURE OF NON-METALLIC MINERAL PRODUCTS n.e.c 259 264 275 310 310. MANUFACTURE OF FURNITURE 321 329 410 432 433 451 452 452. MAINTENANCE AND REPAIR OF MOTOR VEHICLES 453 454 454. SALE, MAINTENANCE AND REPAIR OF MOTORCYCLES AND RELATED PARTS AND ACCESORIES 461 462 462. WHOLESALE OF AGRICULTURAL RAW MATERIALS AND LIVE ANIMALS 463 463. WHOLESALE OF FOOD, BEVERAGES AND TOBACCO 464 464. WHOLESALE OF HOUSEHOLD GOODS 466 466. OTHER SPECIALIZED WHOLESALE 468 469 471 471. RETAIL SALE IN NON-SPESIALIZED STORES 472 472. RETAIL SALE OF FOOD, BEVERAGES OR TOBACCO PREDOMINATING 473 473. RETAIL SALE OF AUTOMOTIVE FUEL IN SPESIALIZED STORES 474 475 475. RETAIL SALE OF OTHER HOUSEHOLD EQUPMENT IN SPESIALIZED STORE 476 477 478 478. RETAIL SALE VIA STALLS AND MARKET 479 492 492. BUS TRANSPORT 494 494. LAND TRANSPORT, EXCEPT BUS 501 522 551 551. SHORT-TERM ACCOMMODATION ACTIVITIES 559 559. OTHER ACCOMMODATION 561 561. RESTAURANT AND MOBILE FOOD SERVICE ACTIVITIES 562 562. EVENT CATERING AND OTHER FOOD SERVICE ACTIVITIES 563 563. BEVERAGE SERVING ACTIVITIES 619 641 641. MONETARY INTERMEDIATION 741 772 773 854 862 869 900 932 932. OTHER AMUSEMENT AND RECREATION ACTIVITIES 952 961 961. PERSONAL SERVICES FOR FITNESS ACTIVITIES, EXCEPT SPORTS 962 962. LAUNDRY ACTIVITIES 969 969. OTHER PERSONAL SERVICE ACTIVITIES n.e.c. bi02x. How Many Owners 1404 1 1 1 1. RESPONDED 98 98. DO NOT KNOW bi02. Many Owners 1404 1 7 1 2 3 4 7 bi02_repeat_count. Bi02_Repeat_Count 1404 1 7 1 2 3 4 7 bi03calc. Business Owners 1404 100 100 100 bi04x. Any Managers 1404 1 1 1 1. RESPONDED 98 98. DO NOT KNOW bi04. Many Managers 1404 1 6 1 2 3 4 6 bi04_repeat_count. 1404 1 6 1 2 3 4 6 BI06 Siapa saja yang membuat keputusan keuangan untuk usaha ${BI01a}? JAWABAN H 1404 bi06_a. Bi06_A 1404 1 1 bi06_b. Bi06_B 1404 1 1 bi06_c. Bi06_C 1404 1 1 bi06_d. Bi06_D 1404 bi06_e. Bi06_E 1404 bi06_f. Bi06_F 1404 bi06_g. Bi06_G 1404 bi06_h. Bi06_H 1404 bi06_i. Bi06_I 1404 bi06_j. Bi06_J 1404 bi06_k. Bi06_K 1404 1 1 bi06_l. Bi06_L 1404 1 1 bi06_m. Bi06_M 1404 1 1 bi06_n. Bi06_N 1404 1 1 bi06_o. Bi06_O 1404 bi06_p. Bi06_P 1404 bi06_q. Bi06_Q 1404 bi06_r. Bi06_R 1404 bi06_s. Bi06_S 1404 bi06_t. Bi06_T 1404 bi06_z. Bi06_Z 1404 1 1 bi06_v. Bi06_V 1404 1 1 bi06_calc. Bi06_Calc 1404 1 6 1 2 3 4 5 6 BI06a Jika ada lebih dari satu yang membuat keputusan keuangan untuk usaha ${BI 1404 BI07 Dokumen apa saja yang dimiliki oleh usaha ${BI01a}? 1404 bi07_a. Bi07_A 1404 1 1 bi07_b. Bi07_B 1404 1 1 bi07_c. Bi07_C 1404 1 1 bi07_d. Bi07_D 1404 1 1 bi07_e. Bi07_E 1404 1 1 bi07_f. Bi07_F 1404 1 1 bi07_g. Bi07_G 1404 1 1 bi07_v. Bi07_V 1404 1 1 bi07_w. Bi07_W 1404 1 1 bi07_y. Bi07_Y 1404 1 1 bi08a. Bi08.A Apakah I/B/S Memiliki Dan/Atau Me 1404 1 3 1 1. Yes 3 3. No bi08b. Bi08.B Jika Ya, Berapa Jumlah Usaha Lain 676 728 1 5 1 2 3 4 5 Sysmiss Usaha 1 1404 Usaha 2 1404 Usaha 3 1404 Usaha 4 1404 Usaha 5 1404 bi08b6. 1404 * Sysmiss bi08b7. 1404 * Sysmiss bi08b8. 1404 * Sysmiss bi08b9. 1404 * Sysmiss bi08_repeat_count. Bi08_Repeat_Count 676 728 1 5 1 2 3 4 5 Sysmiss cl01x. Was Business Close 166 1238 1 3 1 1. Yes 3 3. No Sysmiss cl01a. Month Close 1404 cl01b. Related Pandemic 82 1322 1 3 1 1. Yes 3 3. No Sysmiss why business close 1404 cl02_a. Difficult Inputs Material 166 1238 1 1 Sysmiss cl02_b. Increased Price 166 1238 1 1 Sysmiss cl02_c. Beyond Consumer’S Ability 166 1238 Sysmiss cl02_d. Difficult Access Capital 166 1238 1 1 Sysmiss cl02_e. Decreasing In Demand 166 1238 1 1 Sysmiss cl02_f. Business Competition 166 1238 1 1 Sysmiss cl02_g. Changed Business 166 1238 1 1 Sysmiss cl02_h. Natural Disaster 166 1238 1 1 Sysmiss cl02_i. Family Reasons 166 1238 1 1 Sysmiss cl02_j. Other Personal Reasons 166 1238 1 1 Sysmiss cl02_v. Others 166 1238 1 1 Sysmiss reasons close business 1404 cl03_a. Full Time Salaried 166 1238 20 1 2 3 4 5 6 7 20 Sysmiss cl03_b. Part Time Wage 166 1238 30 1 2 3 4 5 6 8 10 23 30 Sysmiss cl03_c. Unpaid Workers 166 1238 9 1 2 3 4 9 Sysmiss cl03_d. Total Workers 166 1238 30 1 2 3 4 5 6 9 10 11 14 16 25 28 30 Sysmiss cl04ax. Do You Nknow Average Sales 166 1238 1 3 1 1. Yes 3 3. No Sysmiss cl04a. Average Monthly Sales 154 1250 195000000 cl04b_min. Minimum Sales 12 1392 50000 6000000 50000 200000 900000 1500000 2000000 3000000 4200000 6000000 Sysmiss cl04b_max. Maximum Sales 12 1392 500000 36000000 500000 1000000 2000000 3000000 5000000 6000000 7000000 7280000 9000000 36000000 Sysmiss cl04c. Best Estimated Value 12 1392 300000 24000000 300000 500000 1700000 2500000 3000000 3500000 4500000 5000000 6000000 6300000 7500000 24000000 Sysmiss cl05ax. Do You Know Average Profit 166 1238 1 1 1 1. Yes 3 3. No Sysmiss cl05a. Average Monthly Profits 166 1238 25000000 98 30000 50000 60000 75000 100000 150000 200000 300000 350000 400000 500000 550000 600000 650000 780000 800000 900000 1000000 1100000 1200000 1250000 1500000 1600000 1700000 2000000 2100000 2250000 2300000 2500000 2700000 3000000 3500000 3900000 4000000 4500000 4800000 5000000 6000000 7000000 7500000 9000000 10000000 15000000 20000000 25000000 Sysmiss cl05b_min. Minimum Profit 1404 * Sysmiss cl05b_max. Maximum Profit 1404 * Sysmiss cl05c. Best Estimated Value 1404 * Sysmiss reserved_name_for_field_list_lab. Reserved_Name_For_Field_List_Labels_199 1404 * Sysmiss cl06. Business Records 166 1238 1 3 1 1. Yes 3 3. No Sysmiss cl07. Written Budget 166 1238 1 3 1 1. Yes 3 3. No Sysmiss cl08. Have Bank Account 166 1238 1 3 1 1. Yes 3 3. No Sysmiss cl09. Any Personal Accounts 166 1238 1 3 1 1. Yes 3 3. No Sysmiss cl10. Utilize Mobile Banking 166 1238 1 3 1 1. Yes 3 3. No Sysmiss cl11. Separate Business Finances 166 1238 1 3 1 1. Yes 3 3. No Sysmiss bp01. Written Business Records 1238 166 1 3 1 1. Yes 3 3. No Sysmiss bp02. Record Every Purchase 431 973 1 3 1 1. Yes 3 3. No Sysmiss bp03. Easily See Record Cash 431 973 1 3 1 1. Yes 3 3. No Sysmiss bp04. Have Enough Money 431 973 1 3 1 1. Yes 3 3. No Sysmiss bp05. Written Rent Budget 1238 166 1 3 1 1. Yes 3 3. No Sysmiss bp06. Count All Costs 1238 166 1 3 1 1. Yes 3 3. No Sysmiss bp07. Have Bank Account 1238 166 1 3 1 1. Yes 3 3. No Sysmiss bp08. Personal Accounts Business 1238 166 1 3 1 1. Yes 3 3. No Sysmiss bp09. Mobile Banking Business 1238 166 1 3 1 1. Yes 3 3. No Sysmiss bp10. Separate Finances 1238 166 1 3 1 1. Yes 3 3. No Sysmiss we01_a. Full Time Wage 1238 166 40 1 2 3 4 5 6 7 8 9 10 15 16 30 31 40 Sysmiss we01_b. Part Time Wage 1238 166 284 1 2 3 4 5 6 7 8 10 11 12 13 14 15 16 17 20 22 26 29 30 35 36 39 42 65 284 Sysmiss we01_c. Unpaid Workers 1238 166 11 1 2 3 4 5 6 11 Sysmiss we01_d. Total Workers 1238 166 288 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 26 28 29 30 32 33 34 35 36 37 39 40 41 42 80 288 Sysmiss ri01ax. Do You Know Total Sales Last Month 1238 166 1 3 1 1. Yes 3 3. No Sysmiss ri01a. Total Sales Last Month 1195 209 790000000 ri01b_min. Minimum Sales Last Month 43 1361 50000 257400000 50000 60000 100000 300000 500000 600000 805000 1000000 1500000 1800000 2000000 2100000 2250000 2600000 3000000 3750000 4000000 5000000 5600000 6000000 7000000 7500000 15000000 16900000 20000000 21000000 90000000 257400000 Sysmiss ri01b_max. Maximum Sales Last Month 43 1361 150000 386100000 150000 300000 500000 1200000 2000000 2300000 3000000 4500000 5000000 6000000 7000000 7500000 9000000 10000000 15000000 20000000 22400000 30000000 32000000 33800000 40000000 46000000 60000000 120000000 386100000 Sysmiss ri01c. Range Estimated Value 43 1361 100000 321750000 100000 120000 400000 900000 1000000 1380000 1500000 1700000 1800000 2400000 2500000 3500000 4000000 4500000 5000000 5500000 6000000 7000000 7500000 8000000 10000000 10400000 11000000 12000000 14000000 17000000 20000000 22500000 24000000 25000000 30000000 100000000 321750000 Sysmiss ri02ax. Do You Know Profit Last Month 1238 166 1 3 1 1. Yes 3 3. No Sysmiss ri02a. Total Profit 1231 173 300000000 ri02b_min. Minimum Profit 7 1397 500000 7000000 500000 600000 1000000 1500000 3000000 7000000 Sysmiss ri02b_max. Maximum Profit 7 1397 700000 10000000 700000 2000000 10000000 Sysmiss ri02c. Range Estimated Value 7 1397 670000 9000000 670000 1000000 1500000 2500000 8000000 9000000 Sysmiss first receive kur 1404 v195. Reserved_Name_For_Field_List_Labels_266 1404 * Sysmiss fl02a. Non-Kur Loans 1404 1 3 1 1. Yes 3 3. No fl02b. Micro Finance Institutions 1404 1 3 1 1. Yes 3 3. No fl02c. Digital Lender 1404 1 3 1 1. Yes 3 3. No fl02d. Bpr (S) 1404 1 3 1 1. Yes 3 3. No fl02e. Government Programs 1404 1 3 1 1. Yes 3 3. No fl02f. Pawnshop 1404 1 3 1 1. Yes 3 3. No fl02g. Leasing 1404 1 3 1 1. Yes 3 3. No fl02h. Moneylender 1404 1 3 1 1. Yes 3 3. No fl02i. Input Supplier 1404 1 3 1 1. Yes 3 3. No fl02j. Spouse 1404 1 3 1 1. Yes 3 3. No fl02k. Other Than Spouse 1404 1 3 1 1. Yes 3 3. No fl02l. Personal Savings 1404 1 3 1 1. Yes 3 3. No fl02m. Reinvested Profits 1404 1 3 1 1. Yes 3 3. No fl02v. Other, Specify 1404 1 3 1 1. Yes 3 3. No fl02_warn. Fl02_Warn 1404 1 8 1 2 3 4 5 6 7 8 1404 fl03a1. Capital Investment R1 1404 fl03a2. Capital Investment R2 1404 fl03b1. Working Investment R1 1404 fl03b2. Working Investment R2 1404 fl04. Since This, Received Non-Kur 1404 1 3 1 1. Yes 3 3. No fl05. If Yes, How Many 169 1235 1 9 1 2 3 4 5 6 7 8 9 Sysmiss fl06. Total Value 169 1235 98 500000000 98 2000000 3000000 4500000 5000000 6000000 7000000 8000000 10000000 12000000 14500000 15000000 16000000 20000000 21000000 23000000 24000000 25000000 30000000 37000000 40000000 45000000 50000000 55000000 59000000 60000000 65000000 70000000 75000000 80000000 85000000 90000000 100000000 105000000 135000000 150000000 180000000 200000000 225000000 300000000 500000000 Sysmiss fl07x. Do You Know Annual Interest Rate 169 1235 1 98 1 1. Yes 98 98. No Sysmiss fl07. Annual Interest Rate 41 1363 0.200000002980232 48 0.200000002980232 0.699999988079071 0.800000011920929 0.899999976158142 1 1.20000004768372 1.32000005245209 1.5 1.79999995231628 2 2.5 3 5 6 7 9 10 10.6000003814697 11 12 13 14 20 25 40 48 Sysmiss fl08x. Do You Know Largest Loan 1404 1 96 1 1. Responded 96 96. Had not received a loan from any source prior to receiving KUR for the first time fl08. Largest Loan Before Kur 535 869 97 500000000 fl09. Largest Loan You Had 535 869 1 95 1 1. Non-KUR commercial bank loans 2 2. Micro Finance Institutions, including cooperatives: saving and loan units, credit cooperation, credit union, sharia BMT 3 3. Digital lender (Fintech, ex: Amartha, Koinworks, Invetree) 4 4. BPR(s) 5 5. Government Programs (ex. PNPM) 6 6. Pawnshop 7 7. Leasing (ex. ADIRA, FIF, WOM Finance) 8 8. Moneylender 9 9. Input supplier 10 10. Spouse 11 11. Friends or family other than spouse 95 95. Other, specify__________ Sysmiss v226. Reserved_Name_For_Field_List_Labels_306 1404 * Sysmiss rf01a. Kur 1404 1 3 1 1. Yes 3 3. No rf01b. Non-Kur Loans 1404 1 3 1 1. Yes 3 3. No rf01cc. Micro Finance Institutions 1404 1 3 1 1. Yes 3 3. No rf01dd. Digital Lender 1404 1 3 1 1. Yes 3 3. No rf01e. Bpr (S) 1404 1 3 1 1. Yes 3 3. No rf01f. Government Programs 1404 1 3 1 1. Yes 3 3. No rf01g. Pawnshop 1404 1 3 1 1. Yes 3 3. No rf01h. Leasing 1404 1 3 1 1. Yes 3 3. No rf01i. Moneylender 1404 1 3 1 1. Yes 3 3. No rf01j. Input Supplier 1404 1 3 1 1. Yes 3 3. No rf01k. Spouse 1404 1 3 1 1. Yes 3 3. No rf01l. Other Than Spouse 1404 1 3 1 1. Yes 3 3. No rf01m. Personal Savings 1404 1 3 1 1. Yes 3 3. No rf01n. Reinvested Profits 1404 1 3 1 1. Yes 3 3. No rf01v. Other, Specify 1404 1 3 1 1. Yes 3 3. No rf01_warn. 1404 1 7 1 2 3 4 5 6 7 1404 rf01a1. Capital Investment R1 1404 rf01a2. Capital Investment R2 1404 rf01b1. Working Investment R1 1404 rf01b2. Working Investment R2 1404 rf01c. Largest Loan Held 1404 500000000 rf01d. Source Largest Loan 1404 1 95 1 1. KUR 2 2. Non-KUR commercial bank loans 3 3. Micro Finance Institutions, including cooperatives: saving and loan units, credit cooperation, credit union, sharia BMT 4 4. Digital lender (Fintech, ex: Amartha, Koinworks, Invetree) 5 5. BPR(S) 6 6. Government Programs (ex. PNPM) 7 7. Pawnshop 8 8. Leasing (ex. ADIRA, FIF, WOM Finance) 9 9. Moneylender 10 10. Input supplier 11 11. Spouse 12 12. Friends or family other than spouse 95 95. Other, specify _____ rf02. Many Loans Applied 1404 1 27 1 2 3 4 5 6 7 10 14 27 rf03. Many Loans Received 1404 1 27 1 2 3 4 5 6 7 10 14 27 loan application rejected 1404 rf04_a. Problems With Collateral 82 1322 1 1 Sysmiss rf04_b. Credit History 82 1322 1 1 Sysmiss rf04_c. Loans Deemed Risky 82 1322 1 1 Sysmiss rf04_d. Application Pending 82 1322 1 1 Sysmiss rf04_v. Other 82 1322 1 1 Sysmiss rf04_w. Not Applicable 82 1322 1 1 Sysmiss rf04_y. Don'T Know 82 1322 1 1 Sysmiss rf05_repeat_count. Rf05_Repeat_Count 1404 1 27 1 2 3 4 5 6 7 10 14 27 rf06. Whom Was Granted 1404 1 3 1 1. Business 2 2. Owner or manager 3 3. Other individual rf07x. Any Guarantee 1404 1 99 1 1. RESPONDED 98 98. DO NOT KNOW 99 99. GUARANTEE IN THE FORM OF SK PNS/PENSION rf07. Value Of Guarantee 1146 258 7500000000 rf08. Loan Duration 1404 1 98 1 3 4 6 7 8 9 10 11 12 13 15 16 18 19 20 24 26 30 36 39 42 46 48 54 60 70 98 rf09. Know Interest Rate 1404 1 96 1 1. Yes 3 3. No 96 96. NO INTEREST FOR THE LOAN rf10_period. Interest Rate Periode 373 1031 1 2 1 1. Monthly 2 2. Annually Sysmiss rf10. Anually Interest Rate 373 1031 1 2 1 1. └─┴─┴─┘% 2 2. Rp. └─┴─┴─┘.└─┴─┴─┘ Sysmiss rf10_percent. Interest Rate Percent 319 1085 0.0255999993532896 14 0.0255999993532896 0.0299999993294477 0.0399999991059303 0.100000001490116 0.200000002980232 0.219999998807907 0.230000004172325 0.239999994635582 0.25 0.264999985694885 0.300000011920929 0.310000002384186 0.389999985694885 0.400000005960464 0.409999996423721 0.5 0.550000011920929 0.569999992847443 0.600000023841858 0.699999988079071 0.75 0.800000011920929 0.899999976158142 1 1.10000002384186 1.20000004768372 1.79999995231628 2 2.5 3 4 4.90000009536743 5 6 7 8 9 10 14 Sysmiss rf10_rupiah. Interest Rate Rupiah 54 1350 15000 15000000 15000 66000 80000 100000 108000 110000 150000 180000 300000 500000 600000 644000 690000 700000 749000 800000 870000 900000 1000000 1120000 1150000 1217000 1400000 1500000 1525000 1550000 1600000 2000000 2065000 2100000 2750000 3000000 4000000 8000000 15000000 Sysmiss rf11. Know Montlhy Payments 1029 375 1 98 1 1. Yes 98 98. DO NOT KNOW Sysmiss rf11_rupiah. Interest Rate Rupiah 903 501 118000 85416667 rf12. Spousal Approval Required 1404 1 96 1 1. Yes 3 3. No 96 96. Does not have a spouse reasons loan 1404 rf13_a. Working Capital 1404 1 1 rf13_b. Capital Investment 1404 1 1 rf13_c. Other Expense 1404 1 1 rf13_d. Expenses Different Owned 1404 1 1 rf13_e. Expenses Different Not Owned 1404 1 1 rf13_f. Non-Business Purposes 1404 1 1 rf13a. Working Capital Percent 1404 100 2 4 5 7 10 13 15 18 20 25 30 33 34 35 40 45 47.5 50 52 55 56 60 62 65 67 68 70 75 80 85 88 90 94 95 97 100 capital investment percent 1404 rf13c. Other Expense Percent 1404 70 50 70 rf13d. Expenses Different Owned Percent 1404 98 5 6 7 10 15 16 20 25 30 32 33 35 40 45 50 60 70 75 80 90 96 98 rf13e. Expenses Different Not Owned Percent 1404 90 15 19 25 30 33 40 50 60 70 75 90 rf13f. Non-Business Purposes Percent 1404 100 5 10 17 20 25 28 30 40 50 60 65 70 75 80 87 90 93 95 98 100 rf13_calc. Rf13_Calc 1404 100 100 100 realization use funds 1404 rf14_a. Working Capital 1404 1 1 rf14_b. Capital Investment 1404 1 1 rf14_c. Other Expense 1404 1 1 rf14_d. Expenses Different Owned 1404 1 1 rf14_e. Expenses Different Not Owned 1404 1 1 rf14_f. Non-Business Purposes 1404 1 1 rf14_g. Not Allocated 1404 1 1 rf14a. Working Capital Percent 1404 100 rf14b. Capital Investment Percent 1404 100 2 2.5 3 4 5 7 9 10 11 12 15 16 20 24 25 30 32 33 35 40 45 47 48 49 50 52 52.5 55 60 65 67 70 75 78 80 85 90 93 95 98 100 rf14c. Other Expense Percent 1404 67 5 10 15 20 40 50 67 rf14d. Expenses Different Owned Percent 1404 99 5 6 7 8 10 14 15 16 17 18 20 25 30 33 34 35 38 40 45 46 48 50 60 68 70 75 80 90 95 96 98 99 rf14e. Expenses Different Not Owned Percent 1404 90 2 3 5 10 15 19 20 25 30 35 40 50 60 70 75 80 90 rf14f. Non-Business Purposes Percent 1404 100 1 2 3 4 5 8 10 12 15 17 20 24 25 27 28 30 35 36 40 50 60 62.5 63 65 70 75 77 80 90 93 95 98 100 rf14g. Not Allocated 1404 100 3 10 12 14 15 16 20 22 25 30 33 35 38 40 45 50 60 70 80 82.5 100 rf14_calc. Rf14_Calc 1404 100 100 100 rf15_group_count. Rf15_Group_Count 1404 4 4 4 rf16a. Respondent Salary Income 1404 1 3 1 1. Yes 3 3. No rf16b. Casual Labor Income 1404 1 3 1 1. Yes 3 3. No rf16c. Income Another Business 1404 1 3 1 1. Yes 3 3. No rf16d. Spouse’S Income Salary 1404 1 96 1 1. Yes 3 3. No 96 96. No spouse rf16e. Spouse’S Income Labor 1404 1 96 1 1. Yes 3 3. No 96 96. TIDAK ADA PASANGAN rf16f. Spouse’S Income Another Business 1404 1 96 1 1. Yes 3 3. No 96 96. TIDAK ADA PASANGAN rf16g. Household Member’S Income 1404 1 96 1 1. Yes 3 3. No 96 96. NO OTHER HOUSEHOLD MEMBER rf16h. Household Income Labor 1404 1 96 1 1. Yes 3 3. No 96 96. TIDAK ADA ART LAIN rf16i. Household Income Another Business 1404 1 96 1 1. Yes 3 3. No 96 96. TIDAK ADA ART LAIN ke01. First Hear About Kur Program 702 702 1 5 1 1. Heard from friends/relatives 2 2. Read/see from media (newspapers, websites, radio, TV) 3 3. Received socialization from the local government 4 4. Received socialization from the bank 5 5. Received socialization from business groups 95 95. OTHER, PLEASE SPECIFY ___________ Sysmiss ke02. First Kur Application 702 702 1 95 1 1. Marketing or account officer from bank visited you to offer KUR loan 2 2. You went to the nearest bank branch to apply for a KUR loan 3 3. Visit the nearest bank branch to apply for a loan (do not know about KUR yet), and was offered to apply KUR loan by the bank staff 4 4. Apply collectively through group lending 95 95. OTHER, PLEASE SPECIFY ___________ Sysmiss ke03. Loan Application Fee 702 702 1 3 1 1. Yes 3 3. No Sysmiss ke03_rupiah. Loan Fee Rupiah 270 1134 98 8000000 ke04. How Many Times Engage Bank 702 702 1 10 1 2 3 4 5 6 10 Sysmiss why were engagements with bank 1404 ke05_a. To Apply 696 708 1 1 Sysmiss ke05_b. To Submit Documents 696 708 1 1 Sysmiss ke05_c. To Submit Revised 696 708 1 1 Sysmiss ke05_d. Survey From Bank 696 708 1 1 Sysmiss ke05_e. Loan Disbursement 696 708 1 1 Sysmiss ke05_v. Other 696 708 1 1 Sysmiss ke06. Financial Institution Inform 702 702 1 3 1 1. Yes 3 3. No Sysmiss ke07. More Easily Get Kur 702 702 1 98 1 1. Yes 3 3. No 98 98. DON’T KNOW Sysmiss ke08. More Easily Get Non-Kur 702 702 1 98 1 1. Yes 3 3. No 98 98. DON’T KNOW Sysmiss ke09. Main Advantage Kur 702 702 1 98 1 1. INTEREST RATES 2 2. COLLATERAL REQUIREMENTS 3 3. AMOUNT OF LOANS 4 4. MATURITY OF LOANS 5 5. LOAN APPLICATION PROCESS 6 6. LOAN DISBURSEMENT PROCESS 7 7. REPAYMENT PROCESS 95 95. OTHER, SPECIFY ______________ 96 96. NONE 98 98. DO NOT KNOW Sysmiss ke10. Main Disadvantage Kur 702 702 1 98 1 1. INTEREST RATES 2 2. COLLATERAL REQUIREMENTS 3 3. AMOUNT OF LOANS 4 4. MATURITY OF LOANS 5 5. LOAN APPLICATION PROCESSS 6 6. LOAN DISBURSEMENT PROCESS 7 7. REPAYMENT PROCESS 95 95. OTHER, SPECIFY ______________ 96 96. NONE 98 98. DO NOT KNOW Sysmiss ke11. Prioritize Instalment Payments 702 702 1 3 1 1. KUR 2 2. Non-KUR commercial bank loans 3 3. Other non-KUR loans from institutions other than the commercial bank Sysmiss reason to apply 1404 ke12_a. Increase Capital Investment 702 702 1 1 Sysmiss ke12_b. Increase Working Capital 702 702 1 1 Sysmiss ke12_c. Pay Off Other Loans 702 702 1 1 Sysmiss ke12_d. Suggested By The Bank 702 702 1 1 Sysmiss ke12_v. Other 702 702 1 1 Sysmiss ke12_w. Not Appplicable 702 702 1 1 Sysmiss ke13. Alternative Source Financing 1404 ke13_a. Borrowing The Kur 702 702 1 1 Sysmiss ke13_b. Non-Kur Loan 702 702 1 1 Sysmiss ke13_c. Loans From Nonbanking 702 702 1 1 Sysmiss ke13_d. Loans From Friends 702 702 1 1 Sysmiss ke13_e. Selling Business Assets 702 702 1 1 Sysmiss ke13_f. Selling Personal Assets 702 702 1 1 Sysmiss ke13_g. Looking For Business Partners 702 702 1 1 Sysmiss ke13_v. Other 702 702 1 1 Sysmiss co01. Operational During Covid-19 650 754 1 3 1 1. Yes 3 3. No Sysmiss operational change during covid-19 1404 co02_a. Closed Permanently 180 1224 1 1 Sysmiss co02_b. Closed Temporarily 180 1224 1 1 Sysmiss co02_c. Reduced Working Hours 180 1224 1 1 Sysmiss co02_d. Modified Staffing Arrangements 180 1224 1 1 Sysmiss co02_e. Changed Mode Operations 180 1224 1 1 Sysmiss co02_v. Other 180 1224 1 1 Sysmiss co03. Business Condition 650 754 1 4 1 1. Open 2 2. Temporarily closed (mandated by government) 3 3. Temporarily closed (own choice) 4 4. Permanently closed Sysmiss co04. Resume Operation 56 1348 1 3 1 1. Yes 3 3. No Sysmiss co05. Sale Condition 650 754 1 98 1 1. Increase 2 2. Remain the same 3 3. Decrease 96 96. NOT APPLICABLE [IF THE BUSINESS CLOSED WAS NOT BECAUSE OF COVID-19 PANDEMIC SITUATION, CHECK CL01.b = 3] 98 98. DO NOT KNOW Sysmiss co05a. Increased, How Much 62 1342 2 100 2 5 7 10 15 20 25 30 45 50 60 70 80 85 100 Sysmiss co05b. Decreased, How Much 464 940 1 100 1 2 2.5 3 4 5 7 10 15 20 25 30 35 40 45 50 55 60 70 75 80 85 90 95 99 100 Sysmiss co06x. Have Outstanding Debt 650 754 1 3 1 1. Yes 3 3. No Sysmiss co06. Can You Pay 486 918 1 3 1 1. Yes, full monthly installments 2 2. Yes, partial installments each month 3 3. No Sysmiss co07. Aware Regulations Covid-19 486 918 1 3 1 1. Yes 3 3. No Sysmiss co08. Kur Program Support 486 918 1 3 1 1. Yes 3 3. No Sysmiss form of support 1404 co09_a. Deferred Interest 128 1276 1 1 Sysmiss co09_b. Deferred Principal 128 1276 1 1 Sysmiss co09_c. Increased Grace Period 128 1276 1 1 Sysmiss co09_d. Increased Loan 128 1276 1 1 Sysmiss co09_e. New Loan 128 1276 1 1 Sysmiss co09_f. Debt Write-Off 128 1276 Sysmiss co09_v. Other 128 1276 1 1 Sysmiss co09a. Deferred Interest 1404 co09b. Deferred Principal 1404 co09c. Increased Grace Period 1404 co09d. Increased Loan Size 1404 co09e. New Loan 1404 co09f. Debt Write-Off 1404 * Sysmiss co09v. Other Specify 1404 co10. How Long Extension 102 1302 24 1 2 3 5 6 7 8 9 12 24 Sysmiss co11. Cash Flow Shortages 650 754 1 96 1 1. Yes 3 3. No 96 96. NOT APPLICABLE Sysmiss co12. Solve Cash Flow Shortages 321 1083 2 98 1 1. KUR loan 2 2. Non-KUR loan from commercial bank 3 3. Loans from nonbanking financial institutions (microfinance institutions, credit cooperatives, credit unions, or finance companies) 4 4. Equity finance (new shareholders or greater capital increase from existing owners/shareholders 5 5. Loans from friends or family 6 6. Delaying payments ot suppliers/workers/authorities 7 7. Sell some assets/capital, including machineries and vehicles 8 8. Using personal savings/selling personal assets 9 9. Reduce business operating costs 95 95. OTHERS, SPECIFY ________ 98 98. DO NOT KNOW Sysmiss end time 1404 cov08. Interview Result 1404 1 1 1 1. COMPLETED 2 2. PARTIALLY COMPLETED cov09. Reason No Complete 1404 * 1 1. PHONE CALLS WERE NOT ANSWERED 2 2. THE RESPONDENT REFUSED TO BE INTERVIEWED 3 3. THE RESPONDENT WAS BUSY, REFUSED TO CONTINUE THE INTERVIEW 4 4. THE RESPONDENT WAS TIRED, REFUSED TO CONTINUE THE INTERVIEW 95 95. OTHER ______________________________ Sysmiss 1404 162.625 13170.4345703125 162.625 183.9375 285.875 310.875 376.8125 456.6875 519.5 700.25 783 998.25 1081.6875 1112.4375 1144.6875 1174.3125 1236.1875 1331.6875 1355.25 1453.75 1463.875 1588.125 1608.25 2518.0625 3337.6875 4740.625 5448.5 5715.62109375 5723.72705078125 5777.05859375 5808.08349609375 5822.9443359375 5827.59375 5850.9306640625 5857.8408203125 5884.0625 5903.34375 5960.0654296875 6034.431640625 6339.873046875 7192.02978515625 13170.4345703125 1404 1404 frequency weight 1404 163 13170 163 184 286 311 377 457 520 700 783 998 1082 1112 1145 1174 1236 1332 1355 1454 1464 1588 1608 2518 3338 4741 5449 5716 5724 5777 5808 5823 5828 5851 5858 5884 5903 5960 6034 6340 7192 13170 1404 1404 1404 1404 Unique ID 1624 BI03_no 1624 1 7 1 2 3 4 5 6 7 bi03a. Relationship 1624 1 5 1 Yourself 2 Spouse 3 Another member of your family 4 Friends or Neighbors 5 Third parties bi03b. Gender 1624 1 3 1 Male 3 Female bi03c. Percent Ownership 1624 10 100 10 15 20 25 30 33 34 40 50 60 70 75 80 100 frequency weight 1624 163 13170 163 184 286 311 377 457 520 700 783 998 1082 1112 1145 1174 1236 1332 1355 1454 1464 1588 1608 2518 3338 4741 5449 5716 5724 5777 5808 5823 5828 5851 5858 5884 5903 5960 6034 6340 7192 13170 Unique ID 1897 BI05_no 1897 1 6 1 2 3 4 5 6 bi03a. Relationship 1897 1 5 1 Yourself 2 Spouse 3 Another member of your family 4 Friends or Neighbors 5 Third parties bi03b. Gender 1897 1 3 1 Male 3 Female frequency weight 1897 163 13170 163 184 286 311 377 457 520 700 783 998 1082 1112 1145 1174 1236 1332 1355 1454 1464 1588 1608 2518 3338 4741 5449 5716 5724 5777 5808 5823 5828 5851 5858 5884 5903 5960 6034 6340 7192 13170 Unique ID 822 822 1 5 1 2 3 4 5 822 role in business 822 1 3 1 Owner 2 Manager 3 Both, owner and manager full time wage 822 100 1 2 3 4 5 6 8 9 10 12 13 17 19 20 26 30 100 part time wage 822 100 1 2 3 4 5 6 7 8 9 10 12 13 14 15 16 17 18 19 20 22 23 24 26 29 30 38 41 100 unpaid workers 822 12 1 2 3 4 5 7 10 12 total workers 822 100 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 25 26 29 30 31 40 45 100 frequency weight 822 163 13170 163 184 286 311 377 457 520 700 783 998 1082 1112 1145 1174 1236 1332 1355 1454 1464 1588 1608 2518 3338 4741 5449 5716 5724 5777 5808 5823 5828 5851 5858 5884 5903 5960 6034 6340 7192 13170 Unique ID 2449 RF05_no 2449 1 27 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 loan amount received 2449 200000 500000000 year loan received 2449 2004 2021 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 is it KUR loan 2449 1 98 1 Yes, micro 2 Yes, retail/small 3 Yes, but I don't know the type of KUR loan 4 No 98 do not know name commercial bank 2449 ever defaulted 2449 1 3 1 Yes 3 No frequency weight 2449 163 13170 163 184 286 311 377 457 520 700 783 998 1082 1112 1145 1174 1236 1332 1355 1454 1464 1588 1608 2518 3338 4741 5449 5716 5724 5777 5808 5823 5828 5851 5858 5884 5903 5960 6034 6340 7192 13170 Unique ID 5616 RF15_no 5616 1 4 1 2 3 4 RF15_show 5616 have access collateral 5616 1 3 1 Yes 3 No who owns asset 2567 3049 1 95 1 Business 2 Respondent 3 Respondent's Spouse 4 Joint property of respondent and spouse 5 Family member of respondent (other than spouse) 95 Others, ______ Sysmiss who owns asset other 5616 frequency weight 5616 163 13170 163 184 286 311 377 457 520 700 783 998 1082 1112 1145 1174 1236 1332 1355 1454 1464 1588 1608 2518 3338 4741 5449 5716 5724 5777 5808 5823 5828 5851 5858 5884 5903 5960 6034 6340 7192 13170