NGA_2021_WEFI-BL_v01_M DDI_NGA_2021_WEFI-BL_v01_M_WB Development Data Group 2024-08-26 Python 3 Innovative Lending Products for Women-Led SMEs 2021 Proof-of-concept Pilot Study Baseline Survey WE-Fi 2021 NGA_2021_WEFI-BL_v01_M Sreelakshmi Papineni Tricia Koroknay-Palicz Siegfried Zottel World Bank Enterprise Survey [en/oth] Edited, anonymized version for public distribution Nigeria Nigeria: Abuja, Lagos, Oyo and Port Harcourt states Sample survey data [ssd] The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses. nigeria_wefi_baseline_pilot_data_no_pii Baseline Survey Data - Innovative Lending Products for Women-Led SMEs in Nigeria (P168390 WE-Fi) Pilot Study 214 435 World Bank Unique Respondent ID 214 0 58608601 147932263701 Duration of Survey 214 0 2638 113521 Duration of Survey: Minutes 214 0 44 1892 Duration of Survey: Hours 214 0 1 32 Date / time of survey completion 214 0 2021-08-04 08:14:33 2021-12-15 14:14:48 Enumerator ID 214 0 1 59 1 02210407 2 2 02160162 3 3 02192164 2 4 02160194 3 5 02120786 4 6 02210446 3 7 02147592 2 8 02170422 2 9 02160683 2 10 02192234 4 11 02148993 4 12 02160382 3 13 02192161 2 14 01171329 15 15 01171647 2 16 01150405 0 17 01150443 0 18 01150178 18 19 01150180 0 20 01192314 14 21 01150406 2 22 01171667 13 23 01180915 20 24 01134806 0 25 01121715 0 26 01149335 0 27 01148607 18 28 01133401 10 29 01120027 0 30 01148199 0 31 01121800 0 32 01180376 0 33 01180926 0 34 01146797 0 35 01181023 0 36 07159825 3 37 07202333 8 38 07132579 4 39 07191977 0 40 07120344 0 41 07210401 1 42 07170508 3 43 07146414 1 44 07133566 0 45 07202337 0 46 07180766 5 47 04150680 5 48 04171741 1 49 04160153 5 50 04146800 4 51 04150444 3 52 04160736 1 53 04160759 4 54 04133650 3 55 04147938 4 56 04150682 4 57 04120570 3 58 04121813 3 59 04147170 1 -------- SECTION 1: CONSENT -------- 0 214 Do you agree to take part in this interview? 214 0 1 1 1 Yes (continue) 214 2 No 0 Why do you not want to be interviewed at this time? 214 0 1 I am busy, maybe another time 0 2 No reason, refused to be interviewed 0 s 214 What language do you conduct this interview in? 214 0 1 4 1 English 207 2 Hausa 0 3 Yoruba 6 4 Pidgin 1 5 Other Specify 0 Specify other language 0 214 -------- SECTION 2: META INFO -------- 0 214 Where does the interview take place? 214 0 1 4 1 Bank branch 3 2 Business 196 3 Home 10 4 Others (specify) 5 Specify other location 214 0 Gender of respondent [1=Female; 2=Male] 214 0 1 2 1 Female 121 2 Male 93 Age of respondent 214 0 21 65 Age of respondent - confirm 214 0 21 65 Where was the respondent born? 214 0 1 6 Current residence: state 214 0 14 37 Current residence: local govt. area 214 0 268 774 Current residence: urbanization 214 0 1 3 1 City 138 2 Town 68 3 Rural 8 What is the respondent's current marital status? 214 0 1 7 1 Married (monogamous) 190 2 Married (polygamous) 6 3 Informal union 0 4 Divorced 0 5 Separated 2 6 Widowed 4 7 Single / never married 12 Who is the head of your Household? 214 0 1 4 1 Self 108 2 Spouse 104 3 Other female 1 4 Other male 1 How many people – including yourself – do you presently consider part of your HH 214 0 1 20 How many living biological sons do you have? 214 0 0 6 How many living biological daughters do you have? 214 0 0 6 Living children: less than 5 years old 214 0 0 3 Living children: ages 5-18 214 0 0 6 Living children: above 18 years old 214 0 0 9 Can you read and write in any language? 214 0 1 2 1 Yes 213 2 No 1 Can you read and write in english? 214 0 1 2 1 Yes 209 2 No 5 What is the highest level of schooling that you have attended? 214 0 1 3 0 Preschool 0 1 Primary 9 2 Secondary 81 3 Higher 124 4 don't know. 0 What is the highest class / year that you have completed at the [PRE-SCHOOL] lev 0 214 What is the highest class / year that you have completed at the [PRIMARY] level? 9 205 6 6 What is the highest class / year that you have completed at the [SECONDARY] leve 81 133 1 6 What is the highest class / year that you have completed at the [HIGHER] level? 124 90 1 15 What is your main source of income? 214 0 1 3 1 Non-Agric self-employment, including business(es) that respondent owns or co-own 199 2 Agricultural activities (e.g. agric self-employment) 12 3 Wage/salary employment 3 4 Other (specify) 0 Specify other primary income source 214 0 Please estimate your total earnings (including any profits, salary or wages) acr 214 0 0 2000000000 Are you the main income earner, or do you contribute significantly to your house 214 0 1 4 1 I contribute 80% or more of my household's income. 110 2 I contribute 50-80% of my household's income. 37 3 l contribute less than 50% of my household's income but critical to make ends me 59 4 Ocassional or discretionary earner / contributor. (Volunteered: Do not read out) 8 Please estimate the total income for your entire household combined over the las 214 0 0 5000000000 In the past 30 days how easy or difficult has it been to pay your household's us 214 0 1 4 1 Very easy 98 2 Easy 93 3 Neither easy nor difficult 17 4 Difficult 6 5 Very difficult 0 Who mainly looks after your children when you are working and they are not in sc 214 0 1 8 1 They look after themselves (they are old enough) 52 2 Elder siblings look after younger sibling 22 3 Self 12 4 Spouse 41 5 Other HH member 22 6 Non-HH member looks after them for free 5 7 Non-HH member is paid to look after them 35 8 Not applicable 5 a 20 On a typical day, how many hours do you spend on work for pay, in business, farm 214 0 0 17 On a typical day, how many hours do you spend on care activities for family memb 214 0 0 15 On a typical day, how many hours does your spouse spend on work for pay, in busi 214 0 0 16 On a typical day, how many hours does your spouse spend on care activities for f 214 0 0 12 Do you agree or disagree with the following statement? 'If a woman earns more mo 214 0 1 2 1 Agree 74 2 Disagree 140 Out of 10 of your neighbors, how many do you think believe that if a woman earns 214 0 0 10 Do you have a business mentor who you discuss business matters with at least onc 214 0 0 2 0 No 60 1 Yes, a Male business mentor 113 2 Yes, a Female business mentor 41 With how many other business owners do you discuss business matters such as pric 214 0 0 100 -------- SECTION 3: BUSINESS ROSTER (A) -------- 0 214 For how many years have you been a business owner? 214 0 2 38 How many businesses do you currently own? 214 0 1 4 Business Roster Count 214 0 1 4 Business Roster #1 214 0 1 1 Sector of Business #1 214 0 2 8 1 Agriculture, forestry, fishing and mining 0 2 Manufacturing, energy, water supply and waste management 8 3 Construction 0 4 Wholesale & retail trade 178 5 Transportation and storage 1 6 Hotels, cafes, and restaurants 2 7 Information and communication 1 8 Other services 11 m 13 Sub-sector of Business #1 214 0 1 36 1 C10 to C12 - Food, beverages, tobacco 4 2 C13 to C15 - Textiles and wearing apparel 1 3 C16 to C18 - Paper industry, printing, reproduction of recorded media 2 4 C20 to C21 - Chemicals and pharmaceuticals 0 5 C22 to C23 - Rubber, plastics and other non-metallic mineral products 1 6 C24 to C25 - Metal products 0 7 C29 to C30 - Manufacture of transport equipment 0 8 D - Energy production 0 9 E - Water supply and waste management 0 10 Other Specify 0 11 G45 to G46 - Wholesale trade 101 12 G47 - Retail trade 77 13 Other Specify 0 14 H49 - Land transport 1 15 H50 - Water transport 0 16 H51 - Air transport 0 17 H52 - Warehousing and support activities for transportation 0 18 Other Specify 0 19 I55 - Accommodation 0 20 I56 - Food and beverage service activities 2 21 Other Specify 0 22 J58 - Publishing 0 23 J59 - Motion picture and TV production, sound recording, music publishing 0 24 J60 - Broadcasting 0 25 J61 - Telecommunications 1 26 J62 - Computer programming or consultancy 0 27 J63 - Information service activities 0 28 Other Specify 0 29 K - Financial and insurance activities 1 30 L - Real estate activities 1 31 M - Professional, scientific, and technical services 2 32 N - Administrative and support services (e.g. rental and leasing, travel agencie 0 33 P - Education 2 34 Q - Human health and social work activities 1 35 R - Arts, entertainment and recreation (Event planning, catering services) 1 36 S - Personal services (e.g. repair of household goods, washing of textiles, hair 3 37 Other Specify 0 m 13 Please Specify the Other - C to E 214 0 Please Specify the Other - G 214 0 Please Specify the Other - H 0 214 Please Specify the Other - I 0 214 Please Specify the Other - J 0 214 Please Specify the Other - K to S 214 0 Description of Business #1 214 0 Is business #1 formally registered? 214 0 1 2 1 Yes 207 2 No 7 Which of the following forms of business registration does your business have? 214 0 What percentage of this business is owned by you? 214 0 10 100 What are business #1's average monthly profits? 214 0 1 1000000000 How many people are employed by business #1 currently (not including yourself)? 214 0 0 70 How many people were employed by business #1 1 year ago, in 2020 (not including 214 0 0 70 How many people were employed by business #1 2 years ago, in 2019 (not including 214 0 0 70 Business Roster #2 51 163 2 2 Sector of Business #2 51 163 4 8 1 Agriculture, forestry, fishing and mining 0 2 Manufacturing, energy, water supply and waste management 0 3 Construction 0 4 Wholesale & retail trade 27 5 Transportation and storage 1 6 Hotels, cafes, and restaurants 1 7 Information and communication 0 8 Other services 15 m 7 Sysmiss 163 Sub-sector of Business #2 44 170 11 36 1 C10 to C12 - Food, beverages, tobacco 0 2 C13 to C15 - Textiles and wearing apparel 0 3 C16 to C18 - Paper industry, printing, reproduction of recorded media 0 4 C20 to C21 - Chemicals and pharmaceuticals 0 5 C22 to C23 - Rubber, plastics and other non-metallic mineral products 0 6 C24 to C25 - Metal products 0 7 C29 to C30 - Manufacture of transport equipment 0 8 D - Energy production 0 9 E - Water supply and waste management 0 10 Other Specify 0 11 G45 to G46 - Wholesale trade 14 12 G47 - Retail trade 13 13 Other Specify 0 14 H49 - Land transport 0 15 H50 - Water transport 0 16 H51 - Air transport 0 17 H52 - Warehousing and support activities for transportation 1 18 Other Specify 0 19 I55 - Accommodation 1 20 I56 - Food and beverage service activities 0 21 Other Specify 0 22 J58 - Publishing 0 23 J59 - Motion picture and TV production, sound recording, music publishing 0 24 J60 - Broadcasting 0 25 J61 - Telecommunications 0 26 J62 - Computer programming or consultancy 0 27 J63 - Information service activities 0 28 Other Specify 0 29 K - Financial and insurance activities 2 30 L - Real estate activities 3 31 M - Professional, scientific, and technical services 1 32 N - Administrative and support services (e.g. rental and leasing, travel agencie 0 33 P - Education 1 34 Q - Human health and social work activities 1 35 R - Arts, entertainment and recreation (Event planning, catering services) 3 36 S - Personal services (e.g. repair of household goods, washing of textiles, hair 4 37 Other Specify 0 Sysmiss 170 Please Specify the Other - C to E 214 0 Please Specify the Other - G 214 0 Please Specify the Other - H 0 214 Please Specify the Other - I 0 214 Please Specify the Other - J 0 214 Please Specify the Other - K to S 214 0 Description of Business #2 214 0 Is business #2 formally registered? 51 163 1 2 1 Yes 33 2 No 18 Sysmiss 163 Which of the following forms of business registration does your business have? 214 0 What percentage of this business is owned by you? 51 163 5 100 What are business #2's average monthly profits? 51 163 777 39000000 How many people are employed by business #2 currently (not including yourself)? 51 163 0 22 How many people were employed by business #2 1 year ago, in 2020 (not including 51 163 0 20 How many people were employed by business #2 2 years ago, in 2019 (not including 51 163 0 17 Business Roster #3 9 205 3 3 Sector of Business #3 9 205 2 8 1 Agriculture, forestry, fishing and mining 0 2 Manufacturing, energy, water supply and waste management 2 3 Construction 0 4 Wholesale & retail trade 4 5 Transportation and storage 0 6 Hotels, cafes, and restaurants 0 7 Information and communication 0 8 Other services 2 m 1 Sysmiss 205 Sub-sector of Business #3 8 206 2 36 1 C10 to C12 - Food, beverages, tobacco 0 2 C13 to C15 - Textiles and wearing apparel 1 3 C16 to C18 - Paper industry, printing, reproduction of recorded media 0 4 C20 to C21 - Chemicals and pharmaceuticals 0 5 C22 to C23 - Rubber, plastics and other non-metallic mineral products 0 6 C24 to C25 - Metal products 0 7 C29 to C30 - Manufacture of transport equipment 0 8 D - Energy production 0 9 E - Water supply and waste management 1 10 Other Specify 0 11 G45 to G46 - Wholesale trade 3 12 G47 - Retail trade 1 13 Other Specify 0 14 H49 - Land transport 0 15 H50 - Water transport 0 16 H51 - Air transport 0 17 H52 - Warehousing and support activities for transportation 0 18 Other Specify 0 19 I55 - Accommodation 0 20 I56 - Food and beverage service activities 0 21 Other Specify 0 22 J58 - Publishing 0 23 J59 - Motion picture and TV production, sound recording, music publishing 0 24 J60 - Broadcasting 0 25 J61 - Telecommunications 0 26 J62 - Computer programming or consultancy 0 27 J63 - Information service activities 0 28 Other Specify 0 29 K - Financial and insurance activities 0 30 L - Real estate activities 1 31 M - Professional, scientific, and technical services 0 32 N - Administrative and support services (e.g. rental and leasing, travel agencie 0 33 P - Education 0 34 Q - Human health and social work activities 0 35 R - Arts, entertainment and recreation (Event planning, catering services) 0 36 S - Personal services (e.g. repair of household goods, washing of textiles, hair 1 37 Other Specify 0 Sysmiss 206 Please Specify the Other - C to E 0 214 Please Specify the Other - G 0 214 Please Specify the Other - H 0 214 Please Specify the Other - I 0 214 Please Specify the Other - J 0 214 Please Specify the Other - K to S 214 0 Description of Business #3 214 0 Is business #3 formally registered? 9 205 1 2 1 Yes 7 2 No 2 Sysmiss 205 Which of the following forms of business registration does your business have? 214 0 What percentage of this business is owned by you? 9 205 40 100 What are business #3's average monthly profits? 9 205 500 300000 How many people are employed by business #3 currently (not including yourself)? 9 205 0 12 How many people were employed by business #3 1 year ago, in 2020 (not including 9 205 0 3 How many people were employed by business #3 2 years ago, in 2019 (not including 9 205 0 3 Business Roster #4 3 211 4 4 Sector of Business #4 3 211 6 7 1 Agriculture, forestry, fishing and mining 0 2 Manufacturing, energy, water supply and waste management 0 3 Construction 0 4 Wholesale & retail trade 0 5 Transportation and storage 0 6 Hotels, cafes, and restaurants 1 7 Information and communication 1 8 Other services 0 m 1 Sysmiss 211 Sub-sector of Business #4 2 212 20 26 1 C10 to C12 - Food, beverages, tobacco 0 2 C13 to C15 - Textiles and wearing apparel 0 3 C16 to C18 - Paper industry, printing, reproduction of recorded media 0 4 C20 to C21 - Chemicals and pharmaceuticals 0 5 C22 to C23 - Rubber, plastics and other non-metallic mineral products 0 6 C24 to C25 - Metal products 0 7 C29 to C30 - Manufacture of transport equipment 0 8 D - Energy production 0 9 E - Water supply and waste management 0 10 Other Specify 0 11 G45 to G46 - Wholesale trade 0 12 G47 - Retail trade 0 13 Other Specify 0 14 H49 - Land transport 0 15 H50 - Water transport 0 16 H51 - Air transport 0 17 H52 - Warehousing and support activities for transportation 0 18 Other Specify 0 19 I55 - Accommodation 0 20 I56 - Food and beverage service activities 1 21 Other Specify 0 22 J58 - Publishing 0 23 J59 - Motion picture and TV production, sound recording, music publishing 0 24 J60 - Broadcasting 0 25 J61 - Telecommunications 0 26 J62 - Computer programming or consultancy 1 27 J63 - Information service activities 0 28 Other Specify 0 29 K - Financial and insurance activities 0 30 L - Real estate activities 0 31 M - Professional, scientific, and technical services 0 32 N - Administrative and support services (e.g. rental and leasing, travel agencie 0 33 P - Education 0 34 Q - Human health and social work activities 0 35 R - Arts, entertainment and recreation (Event planning, catering services) 0 36 S - Personal services (e.g. repair of household goods, washing of textiles, hair 0 37 Other Specify 0 Sysmiss 212 Please Specify the Other - C to E 0 214 Please Specify the Other - G 0 214 Please Specify the Other - H 0 214 Please Specify the Other - I 0 214 Please Specify the Other - J 0 214 Please Specify the Other - K to S 0 214 Description of Business #4 214 0 Is business #4 formally registered? 3 211 1 2 1 Yes 2 2 No 1 Sysmiss 211 Which of the following forms of business registration does your business have? 214 0 What percentage of this business is owned by you? 3 211 80 100 What are business #4's average monthly profits? 3 211 120000 500000 How many people are employed by business #4 currently (not including yourself)? 3 211 2 5 How many people were employed by business #4 1 year ago, in 2020 (not including 3 211 3 5 How many people were employed by business #4 2 years ago, in 2019 (not including 3 211 1 5 For which of these businesses do you plan to use the Access Bank cash flow loan? 214 0 Which of these businesses did you use to apply for the Access Bank cash flow loa 214 0 Which of these businesses do you consider your main business? 51 163 1 2 1 ${BusName1} 41 2 ${BusName2} 10 3 ${BusName3} 0 4 ${BusName4} 0 5 ${BusName5} 0 6 ${BusName6} 0 7 ${BusName7} 0 8 ${BusName8} 0 9 ${BusName9} 0 10 ${BusName10} 0 11 ${BusName11} 0 12 ${BusName12} 0 13 ${BusName13} 0 14 ${BusName14} 0 15 ${BusName15} 0 16 ${BusName16} 0 17 ${BusName17} 0 18 ${BusName18} 0 19 ${BusName19} 0 20 ${BusName20} 0 Sysmiss 163 -------- SECTION 4: BUSINESS INFO (B) -------- 0 214 Business location: State 214 0 24 37 Business location: Local Government Area 214 0 501 774 Business location: Urbanization 214 0 1 3 1 City 143 2 Town 65 3 Rural 6 Where is this business located? 214 0 1 4 1 At home (as usual) 4 2 At home (because of quarantine or lockdown) 1 3 At market place 91 4 Formal Shop/office 118 5 Travelling door to door 0 6 Other (specify) 0 Specify other location 214 0 In what year did this business begin operations? 214 0 1984 2021 Who started this business? 214 0 All in all, would you say you started this business because you saw an opportuni 206 8 1 2 1 Opportunity 85 2 Necessity 121 Sysmiss 8 In what year was this business formally registered? 214 0 -777 2021 Who owns this business? 214 0 Gender business owner: Self 214 0 1 2 1 Male 95 2 Female 119 Gender business owner: Spouse 14 200 1 2 1 Male 4 2 Female 10 Sysmiss 200 Gender business owner: Own relative 2 212 1 1 1 Male 2 2 Female 0 Sysmiss 212 Gender business owner: Spouse's relative 0 214 1 Male 0 2 Female 0 Sysmiss 214 Gender business owner: Non-relative 0 214 1 Male 0 2 Female 0 Sysmiss 214 What percentage of this business is owned by female business owners? 214 0 0 1 0 Less than 51% owned by a woman/women 102 1 Greater or equal ≥ 51% owned by a woman/women 112 Are you currently the business owner, the business manager or both? 214 0 1 3 1 Business owner only 61 2 Business manager only 0 3 Both manager and owner 153 How did you become the owner of the business? 214 0 1 7 1 Marriage - spouse or partner helped respondent to start this business 40 2 Respondent started the business by purchase using own savings 141 3 Respondent started the business by purchase using a loan 2 4 Respondent inherited the business from a family member 12 5 Respondent was gifted the business 8 6 Family helped respondent to start this business 4 7 Apprenticeship / settlement 7 8 Other (specify) 0 Please specify other 214 0 What was the primary reason that you started or joined this business? 214 0 1 17 1 A relative told me to 3 2 Household needed additional money 10 3 Lost previous job 1 4 Previous business not successful 2 5 Could not find a job 5 6 Saw a market opportunity 35 7 I took a related training course 11 8 Received subsidy to set up business 0 9 Wanted to continue family business 5 10 Wanted to benefit from my hobby 4 11 Low capital requirements 0 12 Previous experience as a worker in this industry 9 13 Allows me to balance family and work life 5 14 Wanted to be my own boss/have own business 42 15 Post-retirement source of income 2 16 Traditional line of business of clan 0 17 Wanted to make money 80 18 Other (please specify) 0 Specify other reason 214 0 What type of business is it? 214 0 1 4 1 Sole Proprietorship 181 2 Partnership 7 3 Private Limited Company 25 4 Cooperative 1 5 Other (please specify) 0 Specify other type 214 0 Please confirm if this is the business sector that your business operates? 214 0 1 8 1 A to B - Agriculture, forestry, fishing and mining 8 2 C to E - Manufacturing, energy, water supply and waste management 11 3 F - Construction 5 4 G - Wholesale and retail trade 165 5 H - Transportation and storage 1 6 I - Hotels, cafes and restaurants 2 7 J - Information and communication 1 8 K to S - Other Services 21 In this business sector, are most of the businesses owned by men or women? 214 0 1 2 1 Men 114 2 Women 100 Who must approve major decisions for the business with regard to budget, large p 214 0 1 6 1 I can approve them on my own 195 2 I must approve them with other business owners 2 3 I must approve them with my spouse 15 4 Another business owners approves most of the decisions 0 5 My spouse approves most of the decisions 1 6 Other (please specify) 1 Specify other 214 0 EMPLOYMENT: Confirm - How many people work in this business, yourself not includ 214 0 0 70 How many of these are permanent full-time workers? 208 6 0 70 How many of these are part-time, seasonal or temporary workers? 208 6 0 17 How many of this businesses employees are female? 208 6 0 40 In a typical week, how many days is this business open for customers? 214 0 2 7 How many hours per day is this business typically open for customers? 214 0 5 24 How many hours do you personally work for your business in a typical week? 214 0 2 120 How does this business determine the price of products / services? 214 0 Specify other 214 0 Has this business introduced new products or services in the last 6 months? 214 0 1 2 1 Yes 122 2 No 92 Does this business have a written business plan? 214 0 1 3 1 Yes 98 2 No 104 3 I don't know about business plan 12 Does this business have a written annual budget? 214 0 1 3 1 Yes, can show it 50 2 Yes, but cannot show it 46 3 No 118 4 Other (please specify) 0 Specify other 214 0 Does this business keep financial records or accounts? 214 0 1 6 1 Yes and shows records 126 2 Yes and shows disorganized personal notes 14 3 Yes but cannot show because cannot find 16 4 Yes but cannot show because with accountant 18 5 Yes but cannot show because is not willing 13 6 No 27 Over the LAST 3 MONTHS, what were this business' AVERAGE MONTHLY SALES (revenues 214 0 100000 3000000000 Over the LAST 3 MONTHS, what were this business' AVERAGE MONTHLY PROFITS? 214 0 20000 2000000000 During the YEAR 2020, what were this businesses' TOTAL ANNUAL SALES (revenues) f 214 0 -777 121228669512 During the YEAR 2020, what was the TOTAL PROFIT this business'earned? 214 0 -777 105000000 During the YEAR 2019, what were this businesses' TOTAL ANNUAL SALES (revenues) f 214 0 -777 459666236885 What were the business' TOTAL SALES in the LAST 30 DAYS? 214 0 0 270000000 Do sales show a seasonal pattern? 214 0 1 5 1 Highest during Q1 (January - March) 10 2 Highest during Q2 (April - June) 5 3 Highest during Q3 (July - September) 14 4 Highest during Q4 (October - December) 113 5 No pattern 72 In the past 30 days, what percentage of your business sales were made digitally? 214 0 0 100 Do you use any equipment or machinery in your business? 214 0 1 2 1 Yes 76 2 No 138 What is the replacement value of all your owned equipment and machinery? 214 0 Do you currently rent equipment and machinery? 76 138 1 2 1 Yes 6 2 No 70 Sysmiss 138 What is the replacement value of all your rented equipment and machinery? 6 208 28000 15000000 Does your business have any inventory stocks? 214 0 1 2 1 Yes 138 2 No 76 What is the value of final goods for sale that you have currently in stock? 214 0 Does your business use any raw materials? 214 0 1 2 1 Yes 27 2 No 187 What is the value of your current additional stocks? 27 187 100000 40000000 How much did you spend on --- Salaries of employees 214 0 0 35000000 How much did you spend on --- Maintenance and repairs 214 0 0 500000 How much did you spend on --- Transport allowances for employees 214 0 0 345000 How much did you spend on --- Rent for machinery and equipment 214 0 0 3000000 How much did you spend on --- Food/in-kind payments to employees 214 0 0 432000 How much did you spend on --- Rent for land and space 214 0 0 1500000 How much did you spend on --- Raw materials 214 0 0 74000000 How much did you spend on --- Products for resell 214 0 0 152000000 How much did you spend on --- Marketing and promotion 214 0 0 230000 How much did you spend on --- Electricity 214 0 0 50000000 How much did you spend on --- Telephone or cell phone charges 214 0 0 100000 How much did you spend on --- Water 214 0 0 30000 How much did you spend on --- Interest payments 214 0 0 5031170 How much did you spend on --- Gas and fuel 214 0 0 660000 How much did you spend on --- Other costs 214 0 0 100000 What were this business' TOTAL COSTS in the LAST 30 DAYS? 214 0 0 150000000 When this business first started, where did most of the start-up capital for thi 214 0 1 10 1 Personal savings 145 2 Spouse/domestic partner's savings 33 3 Own inheritance 6 4 Spouse/domestic partner's inheritance 2 5 Inheritance of someone else 3 6 Sold assets 1 7 Gift 5 8 Loan from bank/financial institution 1 9 Loan from friends or family 4 10 Other, specify 14 Please specify other 214 0 How much was the starting capital for the business? 214 0 0 33600000 Approximately how many clients or customers does this business have on a typical 214 0 3 300000 Approximately how many clients or customers did this business have on a typical 214 0 -777 280000 Approximately how many clients or customers did this business have on a typical 214 0 -777 27000000 In the last six months, which ways/ sources has this business used to advertise 214 0 Please specify other 214 0 What is the most important way this business differentiates its products or serv 214 0 1 11 1 Price 50 2 Quality 98 3 Packaging 6 4 Offering a different brand 5 5 Offering to buy on credit 2 6 Offering complementary services or products 2 7 Using different material or equipment 0 8 Customer service 39 9 Variety of products and services 10 10 Other (please specify) 0 11 I do not try to differentiate my products or services from those of my competito 2 Please specify other 214 0 How many times have you… visited one of your competitors in order to learn about 214 0 1 5 1 Once or twice 56 2 Three to five times 47 3 Six to ten times 18 4 More than ten times 36 5 Never 57 How many times have you… asked your clients if there are products or services th 214 0 1 5 1 Once or twice 41 2 Three to five times 51 3 Six to ten times 30 4 More than ten times 63 5 Never 29 How many times have you… compared the prices or quality of your supplier's produ 214 0 1 5 1 Once or twice 44 2 Three to five times 54 3 Six to ten times 29 4 More than ten times 63 5 Never 24 How many times have you… looked for new markets?. Is it; 214 0 1 5 1 Once or twice 48 2 Three to five times 49 3 Six to ten times 23 4 More than ten times 65 5 Never 29 How many times have you… analyzed if the sales of your most important product/se 214 0 1 5 1 Once or twice 42 2 Three to five times 60 3 Six to ten times 34 4 More than ten times 71 5 Never 7 How many times have you… looked for ways to improve your marketing and advertisi 214 0 1 5 1 Once or twice 43 2 Three to five times 53 3 Six to ten times 30 4 More than ten times 53 5 Never 35 How many times have you… looked for additional financial resources for your busi 214 0 1 5 1 Once or twice 120 2 Three to five times 38 3 Six to ten times 18 4 More than ten times 16 5 Never 22 How many times have you… discussed with other entrepreneurs in your sector about 214 0 1 5 1 Once or twice 57 2 Three to five times 54 3 Six to ten times 29 4 More than ten times 32 5 Never 42 How many times have you… attempted to negotiate with a supplier for a lower pric 214 0 1 5 1 Once or twice 38 2 Three to five times 33 3 Six to ten times 32 4 More than ten times 71 5 Never 40 How many times have you… compared the prices or quality offered by alternate sup 214 0 1 5 1 Once or twice 44 2 Three to five times 51 3 Six to ten times 30 4 More than ten times 65 5 Never 24 How many times have you… visited one of your competitor's businesses to see what 214 0 1 5 1 Once or twice 45 2 Three to five times 51 3 Six to ten times 29 4 More than ten times 30 5 Never 59 How many times have you… asked a supplier about which products are selling well 214 0 1 5 1 Once or twice 43 2 Three to five times 54 3 Six to ten times 31 4 More than ten times 59 5 Never 27 How many times have you… advertised in any form . Is it; 214 0 1 5 1 Once or twice 48 2 Three to five times 34 3 Six to ten times 19 4 More than ten times 52 5 Never 61 In the past 30 days, what percentage of this business' sales were domestic? 214 0 0 100 In the past 30 days, what percentage of this business' sales were export? 214 0 0 100 53. I would like to ask you some questions with regard to the future of [${BusL 214 0 1 1 1 Growing 214 2 Remaining the same 0 3 Decreasing 0 4 Shutting down 0 5 I don't know 0 What is the top / first product or service you produce or sell? 214 0 What is the top / second product or service you produce or sell? 214 0 What is the top / third product or service you produce or sell? 214 0 In the past 12 months, did this business develop any new products? 214 0 1 2 1 Yes 98 2 No 116 In the past 6 months, did this business invest in machinery or production method 214 0 1 2 1 Yes 31 2 No 183 In the past 6 months, did this business open a new branch or expand your market 214 0 1 2 1 Yes 42 2 No 172 Does your spouse own a business [himself/herself], or is [he/she] self-employed? 196 18 1 4 1 Yes spouse owns a business 73 2 Yes, spouse works in a business 29 3 Yes, spouse is self-employed 35 4 No 59 Sysmiss 18 Is her/his business or self-employment activity in the same sector as [name of b 137 77 1 2 1 Yes 62 2 No 75 Sysmiss 77 Please specify the sector of your spouse's self-employment activity 75 139 1 8 1 A to B - Agriculture, forestry, fishing and mining 6 2 C to E - Manufacturing, energy, water supply and waste management 2 3 F - Construction 9 4 G - Wholesale and retail trade 17 5 H - Transportation and storage 8 6 I - Hotels, cafes and restaurants 1 7 J - Information and communication 1 8 K to S - Other Services 31 Sysmiss 139 Are you interested in taking any course / seminar / training in business managem 214 0 1 2 1 Yes 164 2 No 50 Which of the following digital tools and services do you use for your business? 214 0 Specify Others 0 214 Say your business generated a profit of 100,000 Naira. How would you typically s 214 0 0 100000 Say your business generated a profit of 100,000 Naira. How would you typically s 214 0 0 60000 Say your business generated a profit of 100,000 Naira. How would you typically s 214 0 0 70000 Say your business generated a profit of 100,000 Naira. How would you typically s 214 0 0 60000 Say your business generated a profit of 100,000 Naira. How would you typically s 214 0 0 40000 -------- SECTION 5: ACCESS TO FINANCE -------- 0 214 In the past 12 months, have you, by yourself or together with someone else, borr 214 0 1 2 1 Yes 86 2 No 128 In the past 12 months, have you, by yourself or together with someone else, borr 214 0 1 2 1 Yes 15 2 No 199 In the past 12 months, have you, by yourself or together with someone else, borr 214 0 1 2 1 Yes 10 2 No 204 Have you ever had a loan from a bank or other formal financial institution (e.g. 214 0 1 2 1 Yes 149 2 No 65 Have you ever had a loan from Access Bank? 214 0 1 2 1 Yes 125 2 No 89 At this time, do you have any loans from Access Bank? 125 89 1 2 1 Yes 28 2 No 97 Sysmiss 89 In the past 6 months, how much new money have you borrowed from Access Bank? 125 89 0 5000000 What is the amount currently owed on all of your loans from Access Bank at this 125 89 0 4040000 At this time, does your main business have a line of credit or a loan from a ban 214 0 1 2 1 Yes 41 2 No 173 In the past 6 months, how much new money have you, by yourself or together with 214 0 0 7000000 In the past 6 months, how much new money have you, by yourself or together with 214 0 0 5000000 In the past 6 months, how much new money have you, by yourself or together with 214 0 0 1000000 In the past 6 months, how much new money have you, by yourself or together with 214 0 0 0 Specify other source 0 214 What is the amount currently owed from all loans with [A BANK OR FORMAL FINANCIA 214 0 0 13000000 What is the amount currently owed from all loans with [FAMILY, RELATIVES, OR FRI 214 0 0 2000000 What is the amount currently owed from all loans with [AN INFORMAL SAVINGS GROUP 214 0 0 500000 What is the amount currently owed from all loans with [OTHER SOURCE] that you, b 214 0 0 0 Specify other source 0 214 Have you applied for a loan for your main business in the past 12 months? 214 0 1 2 1 Yes 148 2 No 66 What is the size of the loan you applied for your main business? 148 66 40000 50000000 Do any of your other business(es) have a line of credit or a loan from a bank or 214 0 1 2 1 Yes 9 2 No 205 In the past 6 months, how much new money have you, by yourself or together with 9 205 0 4000000 In the past 6 months, how much new money have you, by yourself or together with 9 205 0 0 In the past 6 months, how much new money have you, by yourself or together with 9 205 0 0 In the past 6 months, how much new money have you, by yourself or together with 9 205 0 0 Specify other source 0 214 What is the amount currently owed from all loans with [A BANK OR FORMAL FINANCIA 9 205 0 0 What is the amount currently owed from all loans with [FAMILY, RELATIVES, OR FRI 9 205 0 0 What is the amount currently owed from all loans with [AN INFORMAL SAVINGS GROUP 9 205 0 0 What is the amount currently owed from all loans with [OTHER SOURCE] that you, b 9 205 0 0 Specify other source 0 214 What collateral, if any, was required for your business loan(s)? 214 0 -777 5 -777 Not applicable 205 1 House 1 2 Vehicle 2 3 Salary guarantor 0 4 Blank Cheque 2 5 Other, please specify 4 Specify other collateral type 214 0 What collateral, if any, was required for your business loan(s)? 214 0 -777 3 -777 Not applicable 213 1 House 0 2 Vehicle 0 3 Salary guarantor 1 4 Blank Cheque 0 5 Other, please specify 0 Specify other collateral type 214 0 Who owned the collateral for the loan(s)? 9 205 1 1 1 Self 9 2 Husband 0 3 Father 0 4 Mother 0 5 Brother 0 6 Sister 0 7 Uncle 0 8 Aunt 0 9 Friend 0 10 Other, specify 0 Sysmiss 205 Please specify other 214 0 Who owned the collateral for the loan(s)? 0 214 1 Self 0 2 Husband 0 3 Father 0 4 Mother 0 5 Brother 0 6 Sister 0 7 Uncle 0 8 Aunt 0 9 Friend 0 10 Other, specify 0 Sysmiss 214 Please specify other 0 214 Did you ever use a guarantor or take a loan jointly with someone for your busine 214 0 1 2 1 Yes 23 2 No 191 Who agreed to guarantee the loan(s) or borrow jointly with you? 23 191 1 9 1 Self 1 2 Spouse 2 3 Father 0 4 Mother 1 5 Brother 5 6 Sister 1 7 Uncle 0 8 Aunt 0 9 Friend 13 10 Other, specify 0 Sysmiss 191 Specify other guarantor 0 214 What is the average interest rate you are paying for your business loans per ann 214 0 0 83 What is / was the primary use or intended use of the most recent loan that you h 214 0 -777 11 -777 N/A 13 1 Construction / renovations 5 2 Rent 1 3 Purchase of inputs / raw materials 93 4 License or permit fees 0 5 Purchase of marketing materials or Services 58 6 Pay off past business debt 1 7 Purchase of equipment 11 8 Pay employees 1 9 Buy property / land 2 10 Personal expenses 2 11 Other (please specify) 27 Specify other use 214 0 How do you save the money you earn in your businesse(es)? 214 0 Specify other savings method 214 0 In the past 12 months, did you ever use a mobile phone or the internet to make m 214 0 1 2 1 Yes 206 2 No 8 If you're suddenly faced with an unexpected situation and you need money in 2 we 214 0 If you're faced with that situation of needing that money in 2 weeks for your bu 214 0 1 12 1 Spouse 41 2 Family, Relative, Friend 72 3 Bank or other formal financial institution 76 4 Informal savings group 3 5 Moneylender 0 6 Other business 3 7 Government 0 8 Religious group / Charity 1 9 Cooperative 5 10 Supplier/ Retailer/ Store 1 11 Other: (please specify) 0 12 No source 12 Please specify other 214 0 If you're faced with that situation of needing that money in 2 weeks for your bu 214 0 1 12 1 Spouse 27 2 Family, Relative, Friend 60 3 Bank or other formal financial institution 41 4 Informal savings group 1 5 Moneylender 2 6 Other business 5 7 Government 0 8 Religious group / Charity 0 9 Cooperative 8 10 Supplier/ Retailer/ Store 9 11 Other: (please specify) 0 12 No source 61 Please specify other 214 0 Do you currently have a business account at any of the following places: a bank, 214 0 1 2 1 Yes 190 2 No 24 Have you had a loan request denied by a financial institution in the last 12 mon 214 0 1 2 1 Yes 5 2 No 209 Why was it denied? - First reason 5 209 1 9 1 Could not provide security/collateral 1 2 Could not come up with my own contribution 0 3 Business plan was too risky/not feasible 0 4 Did not have the right documentation 1 5 Did not have a credit record 0 6 Had bad credit history 0 7 Did not have a business plan 0 8 My business is not registered 0 9 Didn't give any reason 3 10 Other, Specify 0 Sysmiss 209 Specify other reason 214 0 Why was it denied? - Second reason 2 212 8 9 1 Could not provide security/collateral 0 2 Could not come up with my own contribution 0 3 Business plan was too risky/not feasible 0 4 Did not have the right documentation 0 5 Did not have a credit record 0 6 Had bad credit history 0 7 Did not have a business plan 0 8 My business is not registered 1 9 Didn't give any reason 1 10 Other, Specify 0 Sysmiss 212 Specify other reason 0 214 Why was it denied? - Third reason 1 213 9 9 1 Could not provide security/collateral 0 2 Could not come up with my own contribution 0 3 Business plan was too risky/not feasible 0 4 Did not have the right documentation 0 5 Did not have a credit record 0 6 Had bad credit history 0 7 Did not have a business plan 0 8 My business is not registered 0 9 Didn't give any reason 1 10 Other, Specify 0 Sysmiss 213 Specify other reason 0 214 -------- SECTION 6: ENTREPRENEUR -------- 0 214 Taking all things together, would you say you are: 214 0 1 3 1 Very happy 193 2 Rather happy 16 3 Not very happy 5 4 Not at all happy 0 I can always solve difficult problems if I try hard enough 214 0 1 5 1 Strongly Disagree 4 2 Disagree 1 3 Neither agree nor disagree 2 4 Agree 104 5 Strongly Agree 103 It is easy for me to stick to my aims and accomplish my goals 214 0 1 5 1 Strongly Disagree 1 2 Disagree 0 3 Neither agree nor disagree 3 4 Agree 93 5 Strongly Agree 117 I am confident that I could deal appropriately with unexpected events 214 0 2 5 1 Strongly Disagree 0 2 Disagree 2 3 Neither agree nor disagree 5 4 Agree 94 5 Strongly Agree 113 Thanks to my skillful and creative thinking, I know how to handle unforeseen sit 214 0 2 5 1 Strongly Disagree 0 2 Disagree 2 3 Neither agree nor disagree 6 4 Agree 105 5 Strongly Agree 101 I can solve most problems if I put in the necessary effort 214 0 3 5 1 Strongly Disagree 0 2 Disagree 0 3 Neither agree nor disagree 3 4 Agree 109 5 Strongly Agree 102 When I am confronted with a problem, I can usually find several solutions 214 0 3 5 1 Strongly Disagree 0 2 Disagree 0 3 Neither agree nor disagree 5 4 Agree 102 5 Strongly Agree 107 If I am in trouble, I can usually think of a solution 214 0 3 5 1 Strongly Disagree 0 2 Disagree 0 3 Neither agree nor disagree 1 4 Agree 106 5 Strongly Agree 107 I can usually handle whatever comes my way 214 0 2 5 1 Strongly Disagree 0 2 Disagree 2 3 Neither agree nor disagree 7 4 Agree 86 5 Strongly Agree 119 If someone is against me, I can find means and ways to get what I want 214 0 2 5 1 Strongly Disagree 0 2 Disagree 5 3 Neither agree nor disagree 15 4 Agree 112 5 Strongly Agree 82 I can remain calm when I am facing difficulties because I can rely on my abiliti 214 0 1 5 1 Strongly Disagree 1 2 Disagree 4 3 Neither agree nor disagree 3 4 Agree 107 5 Strongly Agree 99 I take every opportunity to learn more and develop my skills 214 0 2 5 1 Strongly Disagree 0 2 Disagree 1 3 Neither agree nor disagree 3 4 Agree 70 5 Strongly Agree 140 I actively work to improve myself 214 0 4 5 1 Strongly Disagree 0 2 Disagree 0 3 Neither agree nor disagree 0 4 Agree 77 5 Strongly Agree 137 I am constantly trying to improve myself by learning new knowledge and skills 214 0 2 5 1 Strongly Disagree 0 2 Disagree 1 3 Neither agree nor disagree 7 4 Agree 87 5 Strongly Agree 119 I look for opportunities to improve myself personally and professionally 214 0 2 5 1 Strongly Disagree 0 2 Disagree 1 3 Neither agree nor disagree 1 4 Agree 88 5 Strongly Agree 124 How much do you agree or disagree with the statement?: I am satisfied with my ma 196 18 1 5 1 Strongly Disagree 1 2 Disagree 1 3 Neither agree nor disagree 0 4 Agree 55 5 Strongly Agree 139 Sysmiss 18 Digit Span: 4 digit 214 0 1 2 1 Right 213 2 Wrong 1 Digit Span: 5 digit 213 1 1 2 1 Right 206 2 Wrong 7 Sysmiss 1 Digit Span: 6 digit 206 8 1 2 1 Right 194 2 Wrong 12 Sysmiss 8 Digit Span: 7 digit 194 20 1 2 1 Right 161 2 Wrong 33 Sysmiss 20 Digit Span: 8 digit 161 53 1 2 1 Right 124 2 Wrong 37 Sysmiss 53 Digit Span: 9 digit 124 90 1 2 1 Right 77 2 Wrong 47 Sysmiss 90 Digit Span: 10 digit 77 137 1 2 1 Right 42 2 Wrong 35 Sysmiss 137 Digit Span: 11 digit 42 172 1 2 1 Right 20 2 Wrong 22 Sysmiss 172 I actively tackle problems 214 0 3 5 1 Strongly Disagree 0 2 Disagree 0 3 Neither agree nor disagree 1 4 Agree 111 5 Strongly Agree 102 Whenever something goes wrong, I search for a solution immediately 214 0 3 5 1 Strongly Disagree 0 2 Disagree 0 3 Neither agree nor disagree 3 4 Agree 101 5 Strongly Agree 110 Whenever there is a chance to get actively involved, I take it 214 0 2 5 1 Strongly Disagree 0 2 Disagree 1 3 Neither agree nor disagree 2 4 Agree 112 5 Strongly Agree 99 I take initiative immediately even when others don't 214 0 2 5 1 Strongly Disagree 0 2 Disagree 1 3 Neither agree nor disagree 6 4 Agree 109 5 Strongly Agree 98 I use opportunities quickly in order to attain my goals 214 0 2 5 1 Strongly Disagree 0 2 Disagree 1 3 Neither agree nor disagree 4 4 Agree 108 5 Strongly Agree 101 Usually I do more than I am asked to do 214 0 1 5 1 Strongly Disagree 7 2 Disagree 18 3 Neither agree nor disagree 16 4 Agree 105 5 Strongly Agree 68 I am particularly good at realizing ideas 214 0 1 5 1 Strongly Disagree 1 2 Disagree 1 3 Neither agree nor disagree 3 4 Agree 106 5 Strongly Agree 103 I excel at identifying opportunities 214 0 1 5 1 Strongly Disagree 1 2 Disagree 1 3 Neither agree nor disagree 3 4 Agree 101 5 Strongly Agree 108 I can come up with many ideas when needed 214 0 3 5 1 Strongly Disagree 0 2 Disagree 0 3 Neither agree nor disagree 2 4 Agree 95 5 Strongly Agree 117 I can go from one idea to the next until I have many options to choose from 214 0 1 5 1 Strongly Disagree 1 2 Disagree 1 3 Neither agree nor disagree 3 4 Agree 107 5 Strongly Agree 102 I have ideas that are unique 214 0 2 5 1 Strongly Disagree 0 2 Disagree 1 3 Neither agree nor disagree 7 4 Agree 96 5 Strongly Agree 110 My ideas are different from most people's 214 0 2 5 1 Strongly Disagree 0 2 Disagree 4 3 Neither agree nor disagree 12 4 Agree 95 5 Strongly Agree 103 I can pretty much determine the success of my business 214 0 3 5 1 Strongly Disagree 0 2 Disagree 0 3 Neither agree nor disagree 3 4 Agree 84 5 Strongly Agree 127 I am certain that I can have a significant impact on the society with my busines 214 0 3 5 1 Strongly Disagree 0 2 Disagree 0 3 Neither agree nor disagree 5 4 Agree 88 5 Strongly Agree 121 I am sure that I can impact sales of my business 214 0 1 5 1 Strongly Disagree 1 2 Disagree 0 3 Neither agree nor disagree 0 4 Agree 85 5 Strongly Agree 128 I can pretty much determine what happens in my environment 214 0 2 5 1 Strongly Disagree 0 2 Disagree 12 3 Neither agree nor disagree 22 4 Agree 88 5 Strongly Agree 92 I can change the community around me with my business 214 0 2 5 1 Strongly Disagree 0 2 Disagree 3 3 Neither agree nor disagree 6 4 Agree 96 5 Strongly Agree 109 When others start their own businesses, it's' because they use me as an example 214 0 2 5 1 Strongly Disagree 0 2 Disagree 5 3 Neither agree nor disagree 13 4 Agree 101 5 Strongly Agree 95 My example leads others to be better business people 214 0 2 5 1 Strongly Disagree 0 2 Disagree 1 3 Neither agree nor disagree 4 4 Agree 92 5 Strongly Agree 117 How often did you feel appreciated by your partner? 196 18 2 6 1 Never 0 2 Almost never 1 3 Sometimes 12 4 Fairly Often 8 5 Very Often 172 6 Not applicable 3 Sysmiss 18 How often did you and your partner share your joys and sorrows? 196 18 2 6 1 Never 0 2 Almost never 1 3 Sometimes 7 4 Fairly Often 11 5 Very Often 174 6 Not applicable 3 Sysmiss 18 When you and your partner have had a disagreement, how often did he/she express 196 18 3 6 1 Never 0 2 Almost never 0 3 Sometimes 20 4 Fairly Often 28 5 Very Often 143 6 Not applicable 5 Sysmiss 18 When you and your partner have had a disagreement, how often did he/she try to s 196 18 2 6 1 Never 0 2 Almost never 1 3 Sometimes 16 4 Fairly Often 25 5 Very Often 149 6 Not applicable 5 Sysmiss 18 When you and your partner have had a disagreement, when the argument got heated, 196 18 1 6 1 Never 7 2 Almost never 3 3 Sometimes 18 4 Fairly Often 25 5 Very Often 130 6 Not applicable 13 Sysmiss 18 How often did you feel that your partner drinks too much alcohol? 196 18 1 6 1 Never 115 2 Almost never 9 3 Sometimes 19 4 Fairly Often 5 5 Very Often 12 6 Not applicable 36 Sysmiss 18 How often did you speak to your partner regarding employment or business? 196 18 1 6 1 Never 4 2 Almost never 2 3 Sometimes 34 4 Fairly Often 23 5 Very Often 128 6 Not applicable 5 Sysmiss 18 How often did you speak to your partner regarding the sharing of household respo 196 18 1 6 1 Never 24 2 Almost never 18 3 Sometimes 40 4 Fairly Often 29 5 Very Often 76 6 Not applicable 9 Sysmiss 18 Ravens: Image B1 214 0 1 6 Ravens: Image B1 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B2 214 0 1 6 Ravens: Image B2 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B3 214 0 1 6 Ravens: Image B3 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B4 214 0 1 6 Ravens: Image B4 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B5 214 0 1 6 Ravens: Image B5 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B6 214 0 1 6 Ravens: Image B6 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B7 214 0 1 6 Ravens: Image B7 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B8 214 0 1 6 Ravens: Image B8 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B9 214 0 1 6 Ravens: Image B9 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B10 214 0 1 6 Ravens: Image B10 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B11 214 0 1 6 Ravens: Image B11 - correct response given [1=Yes] 214 0 0 1 Ravens: Image B12 214 0 1 6 Ravens: Image B12 - correct response given [1=Yes] 214 0 0 1 Are you currently employed in any of the following? 214 0 Overall, how satisfied are you with your economic well-being (income)? 214 0 1 4 1 Very satisfied 125 2 Fairly satisfied 57 3 Not very satisfied 25 4 Not at all satisfied 7 Overall, how satisfied are you with your work as a business owner/self-employed? 214 0 1 4 1 Very satisfied 179 2 Fairly satisfied 27 3 Not very satisfied 7 4 Not at all satisfied 1 Suppose you had Naira 100 in a savings account and the interest rate was 2% per 214 0 1 4 1 More than N102 148 2 Exactly N102 32 3 Less than N102 16 4 Do not know 18 Finlit Q1: correct response given [1=Yes] 214 0 0 1 Imagine that the interest rate on your savings account was 1% per year and infla 214 0 1 4 1 More than today 68 2 Exactly the same 28 3 Less than today 91 4 Do not know 27 Finlit Q2: correct response given [1=Yes] 214 0 0 1 Please tell me whether this statement is true or false: Buying a single company' 214 0 1 3 1 TRUE 84 2 FALSE 79 3 Do not know 51 Finlit Q3: correct response given [1=Yes] 214 0 0 1 -------- SECTION 7: INTRA-HH -------- 0 214 10K Naira Allocation Scenario: Self 214 0 0 10000 10K Naira Allocation Scenario: Spouse 214 0 0 10000 10K Naira Allocation Scenario: Children 214 0 0 7000 10K Naira Allocation Scenario: Family 214 0 0 5000 10K Naira Allocation Scenario: Friends and neighbors 214 0 0 5800 Who within the household would have the final say over how the money from your r 214 0 1 6 1 Self 148 2 Spouse 28 3 You and spouse jointly 36 4 Other relative male 0 5 Other relative female 1 6 Other specify 1 Specify other decision-maker 214 0 What type of household do you belong to? 214 0 1 3 1 Male and female adult 204 2 Female adult only 6 3 Male adult only 4 When decisions are made regarding [MONEY SPENDING PRIORITIES FOR URGENT MATTERS 214 0 To what extent do you feel you can make your own personal decisions regarding [M 214 0 2 4 1 Not at all 0 2 Small extent 16 3 Medium extent 66 4 To a high extent 132 When decisions are made regarding [FOOD CROP FARMING] who is it that normally ta 214 0 To what extent do you feel you can make your own personal decisions regarding [F 214 0 1 4 1 Not at all 39 2 Small extent 27 3 Medium extent 59 4 To a high extent 89 When decisions are made regarding [CASH CROP FARMING] who is it that normally ta 214 0 To what extent do you feel you can make your own personal decisions regarding [C 214 0 1 4 1 Not at all 60 2 Small extent 18 3 Medium extent 55 4 To a high extent 81 When decisions are made regarding [LIVESTOCK] who is it that normally takes the 214 0 To what extent do you feel you can make your own personal decisions regarding [L 214 0 1 4 1 Not at all 57 2 Small extent 15 3 Medium extent 55 4 To a high extent 87 When decisions are made regarding [OWN WAGE / SALARY EMPLOYMENT] who is it that 214 0 To what extent do you feel you can make your own personal decisions regarding [O 214 0 1 4 1 Not at all 2 2 Small extent 9 3 Medium extent 31 4 To a high extent 172 When decisions are made regarding [OWN BUSINESS ACTIVITIES] who is it that norma 214 0 To what extent do you feel you can make your own personal decisions regarding [O 214 0 2 4 1 Not at all 0 2 Small extent 7 3 Medium extent 31 4 To a high extent 176 When decisions are made regarding [SPOUSE'S BUSINESS ACTIVITIES] who is it that 214 0 To what extent do you feel you can make your own personal decisions regarding [S 214 0 1 4 1 Not at all 22 2 Small extent 44 3 Medium extent 58 4 To a high extent 90 When decisions are made regarding [MAJOR HH EXPENDITURES] who is it that normall 214 0 To what extent do you feel you can make your own personal decisions regarding [M 214 0 1 4 1 Not at all 2 2 Small extent 27 3 Medium extent 66 4 To a high extent 119 When decisions are made regarding [MINOR HH EXPENDITURES] who is it that normall 214 0 To what extent do you feel you can make your own personal decisions regarding [M 214 0 1 4 1 Not at all 1 2 Small extent 25 3 Medium extent 61 4 To a high extent 127 When decisions are made regarding [USE OF OWN EARNINGS] who is it that normally 214 0 To what extent do you feel you can make your own personal decisions regarding [U 214 0 2 4 1 Not at all 0 2 Small extent 9 3 Medium extent 36 4 To a high extent 169 When decisions are made regarding [USE OF SPOUSE'S EARNINGS] who is it that norm 214 0 To what extent do you feel you can make your own personal decisions regarding [U 214 0 1 4 1 Not at all 21 2 Small extent 56 3 Medium extent 58 4 To a high extent 79 Does your household own...? 214 0 Does your household own any...TV? 214 0 1 2 1 Yes 213 2 No 1 Does your household own any...Air Conditioner? 214 0 1 2 1 Yes 182 2 No 32 Does your household own any...Mobile Phone? 214 0 1 2 1 Yes 211 2 No 3 Does your household own any...Refridgerator? 214 0 1 2 1 Yes 211 2 No 3 Does your household own any...Computer? 214 0 1 2 1 Yes 167 2 No 47 Does your household own any...Generator? 214 0 1 2 1 Yes 212 2 No 2 Does your household own any...Fan? 214 0 1 2 1 Yes 206 2 No 8 Does your household own any...Vehicle? 214 0 1 2 1 Yes 192 2 No 22 Does your household own any...Bike? 214 0 1 2 1 Yes 64 2 No 150 Does your household own any...Moto? 214 0 1 2 1 Yes 17 2 No 197 Do you own your household or dwelling? 214 0 1 2 1 Yes 121 2 No 93 Do you own any agricultural land? 214 0 1 2 1 Yes 61 2 No 153