{"type":"survey","doc_desc":{"title":"PLW_2006_HIES_v01_M","idno":"DDI_PLW_2006_HIES_v01_M","producers":[{"name":"Muriell Sinsak","abbreviation":"MS","affiliation":"Bureau of Budget & Planning, MOF","role":"Survey Documentation"},{"name":"Accelerated Data Program","abbreviation":"ADP","affiliation":"International Household Survey Network","role":"Editing for the IHSN Survey Catalog"}],"prod_date":"2012-07-16","version_statement":{"version":"Version 1.1 (July 2012). First documentation using IHSN Toolkit.This is the edited version of the documentation produced during the July 2012 workshop in Guam."}},"study_desc":{"title_statement":{"idno":"PLW_2006_HIES_v01_M","title":"Household Income and Expenditure Survey 2006","alt_title":"HIES 2006"},"authoring_entity":[{"name":"Office of Planning & Statistics, Bureau of Budget and Planning","affiliation":"Ministry of Finance"}],"oth_id":[{"name":"Ms. Josephine Ulengchong","affiliation":"Work Investment Act (WIA)","email":"","role":""}],"production_statement":{"producers":[{"name":"Ms. Kim Robertson","affiliation":"Secretariat of the Pacific Community","role":"Technical assistance - initial planning & set up stage"},{"name":"Mr. Gregory Keeble","affiliation":"Secretariat of the Pacific Community","role":"Technical assistance - data processing and data analysis"},{"name":"Mr. Chris Ryan","affiliation":"Secretariat of the Pacific Community","role":"Technical assistance - data processing and data analysis"}],"funding_agencies":[{"name":"Republic of Palau Government","abbreviation":"ROPGov","role":"Shared funding"},{"name":"Asian Development Bank","abbreviation":"ADB","role":"Shared funding"},{"name":"US Department of Interior","abbreviation":"USDOI","role":"Shared funding"}]},"distribution_statement":{"contact":[{"name":"Bureau of Budget and Planning","affiliation":"","email":"ops@palaugov.net","uri":"http:\/\/www.palaugov.net\/stats\/"}]},"series_statement":{"series_name":"Income\/Expenditure\/Household Survey [hh\/ies]","series_info":"The Ministry of Finance, Bureau of Budget and Planning saw the need of conducting a Household Income and Expenditure Survey (HIES) and combining its outputs with the 2005 Census of Population and Housing data to provide information to assist the leaders of Palau address some of these issues. Although a HIES was carried out in 2004, outputs were incomplete and were not published, thus it was necessary to conduct another survey in order to obtain complete up-to-date information."},"version_statement":{"version":"Version 01: Edited data not anonymized.","version_date":"2007-07-24"},"study_info":{"topics":[{"topic":"Access to Finance","vocab":"World Bank","uri":""},{"topic":"Health Systems & Financing","vocab":"World Bank","uri":""},{"topic":"Payment Systems","vocab":"World Bank","uri":""},{"topic":"Education","vocab":"World Bank","uri":""}],"abstract":"The purpose of this survey is to obtain information on the income, consumption pattern, incidence of poverty, and saving propensities for different groups of people in the Republic of Palau. This information will be used to guide policy makers in framing socio-economic developmental policies and in initiating financial measures for improving economic conditions of the people.\n\nSome more specific outputs from the survey are listed below:\na) To obtain expenditure weights and other useful data for the revision of consumer price indices. \nb) To supplement the data available for use in compiling official estimates of household accounts in the systems of national accounts. \nc) To supply basic data needed for policy making in connection with social and economic planning\nd) To provide data for assessing the impact on household living conditions of existing or proposed economic and social measures, particularly changes in the structure of household expenditures and in household consumption\ne) To gather information on poverty lines and incidence of poverty throughout Palau.","coll_dates":[{"start":"2006-05-01","end":"2006-11-30","cycle":""}],"nation":[{"name":"Palau","abbreviation":"PLW"}],"geog_coverage":"National","analysis_unit":"- Household\n- Individual","universe":"All private households.\n\nHouseholds that had not been residing in Palau for the last 12 months and did not intend to stay in Palau for the next 12 months at the time of the survey, were still selected in the survey, but treated as out-of-scope.","data_kind":"Sample survey data [ssd]","notes":"Household Control Form: Collects basic demographic information from each member of the household such as, age, sex, marital status, ethnicity, etc.\n\nExpenditure Questionnaire: Covers basic details about the dwelling structure and its access to things like water and sanitation. It was also used as a vehicle to collect expenditure on major and infrequent expenditures incurred by the household. \n\nIncome Questionnaire: Covers each of the main types of household income generated by the household such as wages and salaries, business income and income from subsistence activities. \n\nDiary: Covers all daily expenditures incurred by the household, consumption of items produced by the household such as fish and crops, and gifts both received and given by the household.","study_scope":"Household Control Form: Collects basic demographic information from each member of the household such as, age, sex, marital status, ethnicity, etc.\n\nExpenditure Questionnaire: Covers basic details about the dwelling structure and its access to things like water and sanitation. It was also used as a vehicle to collect expenditure on major and infrequent expenditures incurred by the household. \n\nIncome Questionnaire: Covers each of the main types of household income generated by the household such as wages and salaries, business income and income from subsistence activities. \n\nDiary: Covers all daily expenditures incurred by the household, consumption of items produced by the household such as fish and crops, and gifts both received and given by the household."},"method":{"data_collection":{"data_collectors":[{"name":"Office of Planning & Statistics, Bureau of Budget and Planning","abbreviation":"OPS","affiliation":"Ministry of Finance"}],"sampling_procedure":"A sample of 20 per cent was considered more than sufficient for Palau. An additional 10 per cent of sample was selected to allow for sample loss. As a result, a sample size of 1,041 households (20 per cent of 4,684, with a 10 per cent top-up) was considered suitable for the survey.\n\nSix target areas were identified as sub-populations for which estimates would be desirable. These six areas, which also can be considered stratum were:\n1) Koror \n2) Airai \n3) East Babeldaob \n4) West Babeldaob \n5) Peleliu \n6) Kayangel\/Angaur\n\nTo accommodate this requirement, the sample of 1,041 households needed to be distributed amongst each of these six strata in such a manner that the level of accuracy derived from each stratum would be roughly equal. The manner in which this is achieved is to over-sample (proportion wise) from the smaller strata to ensure they still have sufficient sample.\n\nTo make workloads even and manageable in the field for interviewers and supervisors, the final sample size was adjusted such that it was divisible by 15 within each stratum. The number 15 was chosen as it was considered a suitable number of dwellings for an interviewer to enumerate over a three week period.\n\nAnother modification to the sample was with Kayangel\/ Angaur. Given the required sample for this area was derived to be 60 dwellings, and there are only 73 dwellings in these areas, it was decided to completely enumerate this stratum.\n\nAlthough it would be desirable to cover all of Palau for this survey, due to cost and time constraints a couple of areas were excluded from the frame before the selections were made. The two areas removed from scope were:\n1) Sonsorol \n2) Tobi\n\nThe impact on final estimates is considered to be very small given the small populations on these two islands; 18 households on Sonsorol, and 10 households on Tobi. This accounts for less than 0.5 per cent of the population of Palau.\n\nThe sample of dwellings was selected independently within each stratum. A complete list of all dwellings identified during the recent census was used as a frame. The first task was to sort the dwellings within each stratum by two variables:\n1) Hamlet (on Koror) and State (rest of Palau) \n2) Household Size (number of persons)\n\nOnce the list had been sorted, systematic sampling was used to produce the sample of dwellings. A skip was produced by dividing the population size for each stratum by the required sample size (N\/n). Having produced the skip, a random start was then generated between 0 and the skip to determine the starting point for the systematic sample.   \n\nFor details please refer to the attached document entitled Documentation for Sample Selection.","coll_mode":"Face-to-face [f2f]","research_instrument":"The survey schedules adopted for the HIES included the following:\n\u2022 Household Control Form\n\u2022 Expenditure Questionnaire\n\u2022 Income Questionnaire\n\u2022 Diary (x2)\n\nInformation collected in the four schedules covered the following:\na) Household Control Form: This form includes the following information:\n1. Name\n2. Sex\n3. Date of Birth\n4. Ethnicity\n5. Marital Status\n6. Educational Attainment\n7. Activity Status\n8. Literacy Status\n9. Internet Usage\n\nb) Income questionnaire: This questionnaire has 8 sections and includes the following information: \n1. Working for Wage and \/ or Salary \n2. Agriculture, livestock, fishing and other sales \n3. Other Self Employed & Business Operations \n4. Previous Jobs held in the last 12 months \n5. Services Provided to Other Private Households \n6. Receipts from Custom Occasions \n7. Welfare Benefits\/Allowances \n8. Other Income, including Remittances\n\nc) Expenditure Questionnaire: This questionnaire has 16 sections and includes the following information:\n1. Dwelling characteristics \n2. Dwelling tenure\n3. Mortgages and loans for purchase of dwellings\n4. Insurance policies \n5. Construction of new dwellings \n6. Major home improvements \n7. Household operation \n8. Transportation \n9. Travel \u2013 Domestic & Overseas \n10. Education, recreation, sport and culture \n11. Loans \n12. Credit Cards\/ Charge accounts \n13. Contribution to benefit schemes \n14. Medical and health services \n15. Customs Occasions \n16. Miscellaneous payments \n17. Agricultural Assets \n\nd) Weekly Diary: This questionnaire has 4 sections and includes the following information:\n1. Items Bought \n2. Consumption of Items Produced by the Household\n3. Gifts \n4. Winnings from Betting, Raffles and Lotteries\n\nFor the household control form, expenditure questionnaire and income questionnaire, a face-to-face interview was conducted with the household to capture the information. For the two diaries, the first diary was left with the household for the first week, for the household to fill out. After the first week, the diary is picked up and the second week diary is dropped off to be filled out and picked up at the end of second week. Interviewers were required to contact each household every two to three days to make sure households were filling out their diaries appropriately.","coll_situation":"Field Work\n\nThe field activities are the most important stage of the survey. The identification of the households and the arrangement of the visiting periods are important to ensure that the objectives of the survey are met and that errors which occur in the field, can be corrected and handled without further cost. Each household will be observed for a period of 2 weeks and questions will be asked of their expenditure and income for the last 12 months.\n\nInterviewing households on Sundays are discouraged and also Saturdays if the household members are Seventh Day Adventists.\n\nA calendar of activity has been included in the two field books. \n\nIdentifying Selected Dwellings\nThe first task an interviewer needs to undertake for each workload is to familiarise themselves with the dwellings selected in the workload. Quite often the interviewer will know the dwelling in advance, before even visiting the location, so these dwellings will be straight forward. For the remaining dwellings, of which there will be few, the interviewer may be required to ask assistance from people in the area to help assist finding the right dwelling.\n\nIt is very important to go to the dwellings that have been selected in the survey for you to enumerate, and thus not change any of these selections. If you are having trouble locating any dwelling, you can always call on the assistance of both your supervisor and the NSO. This should be done as early as possible in the process to give time to the supervisor\/NSO to provide the required assistance. \n\nThe 3 Week Cycle\nEach interviewer will be responsible for interviewing 30-45 dwellings during the 9 week period. This will comprise of 2-3 workloads of 15 dwellings each. Addressing each workload will take 3 weeks in total. The procedure an interviewer should follow during this 3 week period is as follows:\nDay 1-4: Travel around the selected area and identify the location of the 15 dwellings for that workload. Visit all 15 dwellings and introduce the survey, fill in the Household Control Form and drop off the first diary.\nDay 5-18: Visit every selected dwelling each day if possible and assist with filling out the diary. Conduct the expenditure and income questionnaires for each selected household at any stage throughout the 2 week period.\nDay 19-21: Go through all expenditure and income questionnaires and make sure everything looks OK. Collect all Diaries from all selected dwellings. Make sure all forms are accounted for, and passed on to the supervisor.\nDepending on the interviewer, this process should occur 2-3 times over the 9 week period.\n\nThe Initial Visit\nAll 15 dwellings for each workload need to be visited in the first 4 days. It is important that the following activities take place during this period:\ni) Introduce the survey to the household, courtesy of the Primary Approach Letter (PAL). ii) Fill in the Household Control Form (HCF) for the household. iii) Drop off the first diary for the household, which should commence being filled in on the following Monday (see timetable for when this is). \n\nVisits During the Middle Two Weeks\nDuring the middle 2 weeks of the 3 week cycle, households are required to fill in the two 1-week diaries they are provided with. It is also during this period that each of the main questionnaires needs to be filled in:\ni) Expenditure questionnaire ii) Income questionnaire\n\nThese are quite long questionnaires, so don\u2019t leave this work until the end of this two week period, as it won\u2019t get completed on time. Also during the two week period, the interviewer must visit each selected household as many times as possible to check on the progress of the diary. \n\nThe Final Visit\nDuring the last week, the interviewer must make their final visit to the household to collect the last diary and any other survey material still with the household. It is during this visit that the interviewer must ensure that all survey material for that household has been completed correctly. This includes:\ni) Household Control Form ii) Expenditure Questionnaire iii) Income Questionnaire iv) Diary (x 2) v) Envelope covers (back and front)\n\nIt will be more difficult to go back and visit households after the fieldwork is complete, so it is very important that checking of final materials is done either before or during this final visit to resolve any problems.","act_min":"The staff involved in the fieldwork comprised of the following: \n\u2022 Staff from the Office of Planning and Statistics (6) \n\u2022 Field Supervisors (6) \n\u2022 Field Enumerators (27) \nThe staff from the Office of Planning and Statistics were responsible for overseeing the survey fieldwork, as well as supervising the enumerators in Kayangel and Angaur. Each of the remaining strata had one supervisor each, with the exception of Koror which required 2 supervisors. The enumerators were each given between 2-3 workloads spread over a three week period each, in which they were required to enumerate 15 households per workload. As a result, each enumerator was responsible for enumerating between 30 and 45 households each.\n\nFor details please refer to section 3.4 FIELD STRATEGY in the attached report entitled Republic of Palau Household Income and Expenditure Survey 2006.","weight":"In order to produce survey weights to produce more meaningful estimates of both population totals and means, weights were derived at the stratum level. The computation of the stratum level weight was a simple process where the estimated number of occupied private households at the time of the survey, was divided by the responding sample for that stratum.\n\nFor details please refer to section 3.5 ESTIMATION USING SURVEY WEIGHTS in the attached report entitled Republic of Palau Household Income and Expenditure Survey 2006."},"analysis_info":{"response_rate":"The overall response rate for Palau was 73%, which was a lower response rate than what was expected. The final response status for the 1,063 households selected in the HIES, 760 households fully responded to the survey, 28 partially responded (of which 16 could be included in the analysis) and 275 didn\u2019t respond at all for various reasons.\n\nFor details please refer to section 4.2.1 NON-RESPONSE BIAS in the attached report entitled Republic of Palau Household Income and Expenditure Survey 2006.","sampling_error_estimates":"To determine the impact of sampling error on the survey results, relative standard errors (RSEs) for key estimates were produced.\n\nThe estimates for Total Income and Total Expenditure from the HIES can be considered to be very good, from a sampling error perspective. The same can also be said for the Wage and Salary estimate in income and the Food estimate in expenditure, which make up a high proportion of each respective group.\n\nSome of the other estimates should be used with caution, depending on the magnitude of their RSE. Some of these high RSEs are to be expected, due to the expected degree of variability for how households would report for these items. For example, with Business Income (RSE 30.1%), most households would report no business income as no household members undertook this activity, whereas other households would report large business incomes as it\u2019s their main source of income.\n\nRelative Standard Errors for key estimates at the region level can be found in Appendix 2 of the survey report.","data_appraisal":"Non-response Bias\nIn was seen that 760 households fully responded to the survey, 28 partially responded (of which 16 could be included in the analysis) and 275 didn\u2019t respond at all for various reasons. Despite the table indicating that the vast majority of nonresponses were \u201cvacant\/out-of-scope\u201d, this was unlikely as the dwellings were occupied at the time of the census, only one year prior to the HIES. The assumption was therefore made that these households were more than likely mis-coded during the HIES collection, and would more likely have been a refusal or non-contact."}},"data_access":{"dataset_use":{"conf_dec":[{"txt":"As contained in the Letter of the Minister of Finance to the respondent household:\n\n\"All information collected in this survey will be used only for Statistical purposes and shall be held in strict confidentiality. All enumerators, supervisors, Office of Statistics staff and all personnel that will be involved in the survey shall be required to take an oath of confidentiality\/ secrecy to ensure survey information are kept confidential and used for the purpose explained above and nothing else. The ownership of the data belongs to the people of the Republic of Palau, data security, confidentiality and institutional ownership will be held with the Office of Statistics, Bureau of Budget and Planning, Ministry of Finance and will be made available to partner development organizations and other institutions\/individuals provided the confidentiality issue is upheld.\"","required":"yes","form_no":"","uri":""}],"contact":[{"name":"Director, Bureau of Budget & Planning","affiliation":"Ministry of Finance","email":"ropbudget@palaugov.net","uri":""}],"cit_req":"Use of the dataset must be acknowledged using a citation which would include:\n- the Identification of the Primary Investigator\n- the title of the survey (including country, acronym and year of implementation)\n- the survey reference number\n- the source and date of download\n\nExample:\n\nOffice of Planning & Statistics, Bureau of Budget and Planning, Palau. Household Income and Expenditure Survey 2006. Ref. PLW_2006_HIES_v01_M. Dataset downloaded from [source] on [date]."}}},"data_files":[{"file_id":"F1","file_name":"BENEFITS","description":"- The file contains data related to section 7 of the household income questionnaire (Welfare benefits\/allowances).","case_count":"0","var_count":"21","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F2","file_name":"CASH GIVEN","description":"- The file contains data related to Section 3 A, Item 3.1 of the Diary.","case_count":"0","var_count":"20","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F3","file_name":"CASH RECEIVED","description":"- The file contains data related to Section 3 B, Item 3.3 of the Diary.","case_count":"0","var_count":"20","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F4","file_name":"DIARY","description":"- The file contains data related to Sections 1 and 2 of the Diary.","case_count":"0","var_count":"22","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F5","file_name":"EXPENDITURE","description":"- The file contains data collected using the Expenditure questionnaire.","case_count":"0","var_count":"235","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F6","file_name":"GOODS GIVEN","description":"- The file contains data related to Section 3 A, Item 3.2 of the Diary.","case_count":"0","var_count":"24","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F7","file_name":"GOODS RECEIVED","description":"- The file contains data related to Section 3 B, Item 3.4 of the Diary.","case_count":"0","var_count":"24","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F8","file_name":"HCF","description":"- The file contains data from the Household Control Sheet.","case_count":"0","var_count":"21","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F9","file_name":"OTHER INCOME","description":"- The file contains data related to section 8 of the household income questionnaire (Other income).","case_count":"0","var_count":"12","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F10","file_name":"PREVIOUS_JOB","description":"- The file contains data related to section 4 of the household income questionnaire (Previous jobs in the last 12 months).","case_count":"0","var_count":"12","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F11","file_name":"RECEIPTS","description":"- The file contains data related to section 6 of the household income questionnaire (Receipts from Custom Occasions).","case_count":"0","var_count":"11","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F12","file_name":"SELF_EMPLOYED","description":"- The file contains data related to section 3 of the household income questionnaire (Other Self Employed & Business Operations).","case_count":"0","var_count":"12","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F13","file_name":"SERVICES","description":"- The file contains data related to section 5 of the household income questionnaire (Services provided to other private households).","case_count":"0","var_count":"11","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F14","file_name":"SUBSISTENCE","description":"- The file contains data related to section 2 of the household income questionnaire (Agriculture, Livestock, Fishing and Other Sales).","case_count":"0","var_count":"42","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F15","file_name":"WAGES","description":"- The file contains data related to section 1 of the household income questionnaire (Agriculture, Livestock, Fishing and Other Sales).","case_count":"0","var_count":"50","producer":null,"data_checks":null,"missing_data":null,"version":null,"notes":null},{"file_id":"F16","file_name":"WINNINGS","description":"- The file contains data related to Section 4 of the Diary (WINNINGS FROM BETTING (cock fighting) AND LOTTERIES (power ball) 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Has any member of your household sold any of the following fruit and vegetables in the last 30 days?","var_qstn_postqtxt":"If yes, give details below\n If NO, GO TO 2.3","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"1","max":"4"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V456","name":"Q2_3","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"45","var_end_pos":"45","var_width":"1","var_rec_seg_no":"1","labl":"Any livestock sales","var_qstn_qstnlit":"2.3 Has any member of your household sold any of the following livestock in the last 30 days?","var_qstn_postqtxt":"If Yes, give details below\n If NO, GO TO Q2.4","var_qstn_ivulnstr":"2.3 Livestock \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only. \nEstimated expenses may include expenses such as feed for the animals or the costs associated with constructing an enclosure for the animals. Make sure the expenses occurred in the last 30 days. \nWhere home consumption occurs for livestock which is also sold, provide a best guess estimate as to the proportion of expenses associated with the livestock sold.","var_val_range":[{"units":"REAL","min":"0","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V457","name":"Q2_C","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"46","var_end_pos":"46","var_width":"1","var_rec_seg_no":"1","labl":"Any seafood sales","var_qstn_qstnlit":"2.4 Has any member of your household sold any seafood in the last 30 days?","var_qstn_postqtxt":"If Yes, give details below\n If NO, GO TO Q2.5","var_qstn_ivulnstr":"2.4 Seafood \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only. \nEstimated expenses may include expenses such as petrol for the boat, nets or or the purchase of other fishing equipment. Make sure the expenses occurred in the last 30 days. \nWhere home consumption occurs for seafood which is also sold, provide a best guess estimate as to the proportion of expenses associated with the seafood sold.","var_val_range":[{"units":"REAL","min":"1","max":"3"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V458","name":"Q2_5","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"47","var_end_pos":"47","var_width":"1","var_rec_seg_no":"1","labl":"Any homemade produce sales","var_qstn_qstnlit":"2.5 Has any member of your household sold any of the following home made produce in the last 30 days?","var_qstn_postqtxt":"If Yes, give details below\n If NO, GO TO Q2.6","var_qstn_ivulnstr":"2.5 Homemade produce \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only. \nEstimated expenses may include expenses such as the purchase of ingredients or the hire of labour (including payments in-kind) to assist with the production. Make sure the expenses occurred in the last 30 days. \nWhere home consumption occurs for homemade produce which is also sold, provide a best guess estimate as to the proportion of expenses associated with the homemade produce sold.","var_val_range":[{"units":"REAL","min":"0","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V459","name":"Q2_D","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"48","var_end_pos":"48","var_width":"1","var_rec_seg_no":"1","labl":"Any handicrafts sales","var_qstn_qstnlit":"2.6 Has any member of your household sold any of the following handicrafts in the last 30 days?","var_qstn_postqtxt":"If Yes, give details below\n If NO, GO TO Q3.1","var_qstn_ivulnstr":"2.6 Handicrafts \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only.\nEstimated expenses may include expenses such as the purchase of materials or the hire of labour (including payments in-kind) to assist with the production. Make sure the expenses occurred in the last 30 days.","var_val_range":[{"units":"REAL","min":"0","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V460","name":"Q2_1B","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"49","var_end_pos":"63","var_width":"15","var_rec_seg_no":"2","labl":"Crops detail","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"112112","max":"222222"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V461","name":"Q2_1C","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"64","var_end_pos":"66","var_width":"3","var_rec_seg_no":"2","labl":"Type of crop","var_qstn_qstnlit":"Type of crop:\nTapioca\nTaro\nSweet Potato\nGinger\nYam\nOther","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"200","max":"259"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"200","labl":"Other","stats":null,"type":null},{"value":"201","labl":"Tapioca","stats":null,"type":null},{"value":"202","labl":"Taro","stats":null,"type":null},{"value":"203","labl":"Sweet Potato","stats":null,"type":null},{"value":"204","labl":"Ginger (Sionga)","stats":null,"type":null},{"value":"205","labl":"Yam","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V462","name":"Q2_1D","file_id":"F14","var_dcml":"0","var_intrvl":"contin","var_start_pos":"67","var_end_pos":"70","var_width":"4","var_rec_seg_no":"2","labl":"Sales - crops","var_qstn_qstnlit":"Sales","var_qstn_postqtxt":"(a)","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"9","max":"800"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V463","name":"Q2_1E","file_id":"F14","var_dcml":"0","var_intrvl":"contin","var_start_pos":"71","var_end_pos":"74","var_width":"4","var_rec_seg_no":"2","labl":"Expenses - crops","var_qstn_qstnlit":"Expense","var_qstn_postqtxt":"(b)","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"0","max":"250"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V464","name":"Q2_1F","file_id":"F14","var_dcml":"0","var_intrvl":"contin","var_start_pos":"75","var_end_pos":"78","var_width":"4","var_rec_seg_no":"2","labl":"Net - crops","var_qstn_qstnlit":"Net","var_qstn_postqtxt":"(a-b)","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"0","max":"600"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V465","name":"Q2_2A","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"79","var_end_pos":"93","var_width":"15","var_rec_seg_no":"3","labl":"Veggie\/ fruit details","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"111122","max":"222222"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V466","name":"Q2_2B","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"94","var_end_pos":"96","var_width":"3","var_rec_seg_no":"3","labl":"Type of vegies\/fruits","var_qstn_qstnlit":"Type of crop:\nBetelnut\nBanana\nLemon\/Lime\nPineapple\nWater Melon\nMango\nPapaya\nNappa\nNoni\nBeans\nPeppermint (Kebui0\nKangkum\nOkra\nGreen\/Dry Coconut (Lius0\nOther","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"201","max":"255"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"206","labl":"Betelnut (Buuch)","stats":null,"type":null},{"value":"207","labl":"Banana","stats":null,"type":null},{"value":"208","labl":"Lemon\/ Lime","stats":null,"type":null},{"value":"209","labl":"Pineapple","stats":null,"type":null},{"value":"210","labl":"Water Melon","stats":null,"type":null},{"value":"211","labl":"Mango","stats":null,"type":null},{"value":"212","labl":"Papaya","stats":null,"type":null},{"value":"213","labl":"Nappa","stats":null,"type":null},{"value":"214","labl":"Noni","stats":null,"type":null},{"value":"215","labl":"Beans","stats":null,"type":null},{"value":"216","labl":"Peppermint (Kebui)","stats":null,"type":null},{"value":"217","labl":"Kangkum","stats":null,"type":null},{"value":"218","labl":"Okra","stats":null,"type":null},{"value":"219","labl":"Green\/ Dry Coconut (Lius)","stats":null,"type":null},{"value":"255","labl":"Other","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V467","name":"Q2_2C","file_id":"F14","var_dcml":"0","var_intrvl":"contin","var_start_pos":"97","var_end_pos":"100","var_width":"4","var_rec_seg_no":"3","labl":"Sales - vegies\/fruits","var_qstn_qstnlit":"Sales","var_qstn_postqtxt":"(a)","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"7","max":"1400"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V468","name":"Q2_2D","file_id":"F14","var_dcml":"0","var_intrvl":"contin","var_start_pos":"101","var_end_pos":"104","var_width":"4","var_rec_seg_no":"3","labl":"Expenses - vegies\/fruits","var_qstn_qstnlit":"Expenses","var_qstn_postqtxt":"(b)","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"0","max":"54"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V469","name":"Q2_2E","file_id":"F14","var_dcml":"0","var_intrvl":"contin","var_start_pos":"105","var_end_pos":"108","var_width":"4","var_rec_seg_no":"3","labl":"Net - vegies\/fruits","var_qstn_qstnlit":"Net","var_qstn_postqtxt":"(a-b)","var_qstn_ivulnstr":"2.1 & 2.2 Agriculture: \n\nFor estimated sales, provide a best guess estimate as to what the sales would have been for each item over the last 30 days.\n\nFor estimated expenses, provide the expenses incurred over the last 30 days only, to assist with the production of these crops which were sold - examples may be for fertilizer or tools (used mostly for the crops sold), or payment (including \"in-kind\") for labour to a person outside the household. \nIf expenses are incurred for crops grown which are home consumed as well as sold, try to determine what proportion of the expenses would have been on just the crops sold.","var_val_range":[{"units":"REAL","min":"6","max":"1396"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V470","name":"Q2_3C","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"109","var_end_pos":"123","var_width":"15","var_rec_seg_no":"4","labl":"Livestock details","var_val_range":[{"units":"REAL","min":"0","max":"222222"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V471","name":"Q2_3D","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"124","var_end_pos":"126","var_width":"3","var_rec_seg_no":"4","labl":"Type of livestock","var_qstn_qstnlit":"Type of livestock:\nPig\nCattle\nChicken\nOther","var_qstn_ivulnstr":"2.3 Livestock \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only. \nEstimated expenses may include expenses such as feed for the animals or the costs associated with constructing an enclosure for the animals. Make sure the expenses occurred in the last 30 days. \nWhere home consumption occurs for livestock which is also sold, provide a best guess estimate as to the proportion of expenses associated with the livestock sold.","var_val_range":[{"units":"REAL","min":"201","max":"258"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"220","labl":"Pig","stats":null,"type":null},{"value":"221","labl":"Cattle","stats":null,"type":null},{"value":"222","labl":"Chicken","stats":null,"type":null},{"value":"256","labl":"Other","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V472","name":"Q2_3E","file_id":"F14","var_dcml":"0","var_intrvl":"contin","var_start_pos":"127","var_end_pos":"130","var_width":"4","var_rec_seg_no":"4","labl":"Sales - livestock","var_qstn_qstnlit":"Sales","var_qstn_postqtxt":"(a)","var_qstn_ivulnstr":"2.3 Livestock \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only. \nEstimated expenses may include expenses such as feed for the animals or the costs associated with constructing an enclosure for the animals. Make sure the expenses occurred in the last 30 days. \nWhere home consumption occurs for livestock which is also sold, provide a best guess estimate as to the proportion of expenses associated with the livestock sold.","var_val_range":[{"units":"REAL","min":"4","max":"600"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V473","name":"Q2_3F","file_id":"F14","var_dcml":"0","var_intrvl":"contin","var_start_pos":"131","var_end_pos":"134","var_width":"4","var_rec_seg_no":"4","labl":"Expenses - livestock","var_qstn_qstnlit":"Expenses","var_qstn_postqtxt":"(b)","var_qstn_ivulnstr":"2.3 Livestock \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only. \nEstimated expenses may include expenses such as feed for the animals or the costs associated with constructing an enclosure for the animals. Make sure the expenses occurred in the last 30 days. \nWhere home consumption occurs for livestock which is also sold, provide a best guess estimate as to the proportion of expenses associated with the livestock sold.","var_val_range":[{"units":"REAL","min":"0","max":"100"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V474","name":"Q2_3G","file_id":"F14","var_dcml":"0","var_intrvl":"contin","var_start_pos":"135","var_end_pos":"138","var_width":"4","var_rec_seg_no":"4","labl":"Net - livestock","var_qstn_qstnlit":"Net","var_qstn_postqtxt":"(a-b)","var_qstn_ivulnstr":"2.3 Livestock \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only. \nEstimated expenses may include expenses such as feed for the animals or the costs associated with constructing an enclosure for the animals. Make sure the expenses occurred in the last 30 days. \nWhere home consumption occurs for livestock which is also sold, provide a best guess estimate as to the proportion of expenses associated with the livestock sold.","var_val_range":[{"units":"REAL","min":"0","max":"500"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V475","name":"Q2_4A","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"139","var_end_pos":"153","var_width":"15","var_rec_seg_no":"5","labl":"Seafood details","var_qstn_ivulnstr":"2.4 Seafood \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only. \nEstimated expenses may include expenses such as petrol for the boat, nets or or the purchase of other fishing equipment. Make sure the expenses occurred in the last 30 days. \nWhere home consumption occurs for seafood which is also sold, provide a best guess estimate as to the proportion of expenses associated with the seafood sold.","var_val_range":[{"units":"REAL","min":"111112","max":"222222"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F14"},{"vid":"V476","name":"Q2_4B","file_id":"F14","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"154","var_end_pos":"156","var_width":"3","var_rec_seg_no":"5","labl":"Type of seafood","var_qstn_qstnlit":"Type of seafood:\nFish\nCrab (Coconut)\nCrab (Mangrove)\nLobster\nGreen Snail\nTrochus\nNgimes\nEremrum\nNgduul\nKim\nOruer\nMolech\nIrimd\nTurtle\nOther","var_qstn_ivulnstr":"2.4 Seafood \nFor estimated sales, provide the best guess estimate as to the value of sales for the last 30 days only. \nEstimated expenses may include expenses such as petrol for the boat, nets or or the purchase of other fishing equipment. 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Includ land lease if as a tenant you are required to pay in addition to rent but not bod payments:\n\nAmount Paid","var_qstn_ivulnstr":"2.3 Rent paid \n\n- Record the amount of rent paid for the property, even if paid from a business account.","var_val_range":[{"units":"REAL","min":"0","max":"200"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V109","name":"Q2_3B","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"75","var_end_pos":"75","var_width":"1","var_rec_seg_no":"1","labl":"Rent period - full rent","var_qstn_qstnlit":"2.3 What was the latest amount of rent paid for this dwelling (and any other dwellings rented by the household). 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estimate","var_val_range":[{"units":"REAL","min":"500","max":"86000"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V116","name":"Q2_8A","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"95","var_end_pos":"102","var_width":"8","var_rec_seg_no":"1","labl":"Lot (land if private)","var_qstn_qstnlit":"2.8 If you were to sell this house now what would be your asking pricing ?","var_val_range":[{"units":"REAL","min":"0","max":"150000"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V117","name":"Q2_9","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"103","var_end_pos":"108","var_width":"6","var_rec_seg_no":"1","labl":"If rent, how much would you charge per month?","var_qstn_qstnlit":"2.9 If you were to rent this house, how much would you charge per month?","var_qstn_ivulnstr":"2.9 Estimate Value of Rent \nIn situations where the household doesn?t know a good estimate for the value of the rent, provide a best guess estimate","var_val_range":[{"units":"REAL","min":"50","max":"1500"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V118","name":"Q2_10","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"109","var_end_pos":"109","var_width":"1","var_rec_seg_no":"1","labl":"Any payments made in connection with dwelling","var_qstn_qstnlit":"2.10 In the last 12 months, were any of the payments below made in connection with your dwelling (or any other dwelling owned or rented by the household)?","var_qstn_postqtxt":"If NO Go To 3.1","var_qstn_ivulnstr":"2.10 Other payments for properties \nRecord any bond, administration charge or other lump sum payment in the last 12 months in connection with this property or any other property paid for by a member of the household","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V119","name":"Q3_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"110","var_end_pos":"110","var_width":"1","var_rec_seg_no":"1","labl":"Any mortgage\/ loan to purchase dwelling","var_qstn_qstnlit":"3.1 In the last 12 months, were there any mortgage or loan repayments for this (or any other dwelling owned by the household) for any of the following?\n a) Purchase of a dwelling?\n b) Construction of a new dwelling?\n c) Major improvements to a dwelling","var_qstn_postqtxt":"If NO Go To 4.1","var_qstn_ivulnstr":"3.1 Mortgages and loans \n\n- Include: all kinds of loans for the purpose of purchasing the property provided that they are still to be paid off. \n\n- Include: all loans for the construction of a new dwelling provided they are still to be paid off. \n\n- Include: all loans for major improvements to a dwelling. \n\n- Include: loans on the security of other assets, loans against insurance policies, lease with option to purchase, unregistered loans and bridging finance provided that they were made to pay for the purchase of this dwelling and are still to be paid off.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V120","name":"Q3_2","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"111","var_end_pos":"112","var_width":"2","var_rec_seg_no":"1","labl":"How many mortgage or loans paid","var_qstn_qstnlit":"3.2 How many mortgage or loans are being paid?","var_qstn_postqtxt":"Number","var_val_range":[{"units":"REAL","min":"1","max":"3"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V121","name":"Q3_31A","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"113","var_end_pos":"120","var_width":"8","var_rec_seg_no":"1","labl":"First Mortgage (Original amount)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nAmount originally borrowed","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"800","max":"25000"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V122","name":"Q3_31B","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"121","var_end_pos":"122","var_width":"2","var_rec_seg_no":"1","labl":"First Mortgage (Borrowed from)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nWho borrowed from","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"1","max":"13"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Bank of Hawaii","stats":null,"type":null},{"value":"2","labl":"Bank of Guam","stats":null,"type":null},{"value":"3","labl":"NDBP","stats":null,"type":null},{"value":"4","labl":"Palau Construction Bank","stats":null,"type":null},{"value":"5","labl":"First Commercial Bank","stats":null,"type":null},{"value":"6","labl":"SPACO","stats":null,"type":null},{"value":"7","labl":"Asia Pacific Commercial Bank","stats":null,"type":null},{"value":"8","labl":"Bank Pacific","stats":null,"type":null},{"value":"9","labl":"Pacific Savings Bank","stats":null,"type":null},{"value":"10","labl":"First Fidelity Bank Corp.","stats":null,"type":null},{"value":"11","labl":"Sunra Int'l. Bank & Trust","stats":null,"type":null},{"value":"12","labl":"Palau Housing Authority","stats":null,"type":null},{"value":"13","labl":"Other Financial Institution","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V123","name":"Q3_31C","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"123","var_end_pos":"126","var_width":"4","var_rec_seg_no":"1","labl":"First Mortgage (Year)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nYear","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"1998","max":"2006"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V124","name":"Q3_31D","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"127","var_end_pos":"134","var_width":"8","var_rec_seg_no":"1","labl":"First Mortgage (borrower's contribution)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nBorrower's cash contribution","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"55","max":"70"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V125","name":"Q3_31E","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"135","var_end_pos":"137","var_width":"3","var_rec_seg_no":"1","labl":"First Mortgage (term of loan)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nTerm of mortgage loan","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"1","max":"30"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V126","name":"Q3_31F","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"138","var_end_pos":"145","var_width":"8","var_rec_seg_no":"1","labl":"First Mortgage (Latest cash pmt)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nAmount of latest payment - cash","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"0","max":"55"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V127","name":"Q3_31G","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"146","var_end_pos":"153","var_width":"8","var_rec_seg_no":"1","labl":"First Mortgage (Latest allotment)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nAmount of latest payment - allotment","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"0","max":"70"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V128","name":"Q3_31H","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"154","var_end_pos":"154","var_width":"1","var_rec_seg_no":"1","labl":"First Mortgage (Period covered)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nPeriod covered by latest payment","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"1","max":"6"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Weekly","stats":null,"type":null},{"value":"2","labl":"Bi-weekly","stats":null,"type":null},{"value":"3","labl":"Quarterly","stats":null,"type":null},{"value":"4","labl":"Semi-annual","stats":null,"type":null},{"value":"5","labl":"Annual","stats":null,"type":null},{"value":"6","labl":"Monthly","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V129","name":"Q3_31I","file_id":"F5","var_dcml":"1","var_intrvl":"contin","var_start_pos":"155","var_end_pos":"158","var_width":"4","var_rec_seg_no":"1","labl":"First Mortgage (Interest rate)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nInterest rate (current)","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"0.8","max":"1"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V130","name":"Q3_32A","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"159","var_end_pos":"166","var_width":"8","var_rec_seg_no":"1","labl":"Second Mortgage (Original amount)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nAmount originally borrowed","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"0","max":"0"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V131","name":"Q3_32B","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"167","var_end_pos":"168","var_width":"2","var_rec_seg_no":"1","labl":"Second Mortgage (Borrowed from)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nWho borrowed from","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"1","max":"13"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Bank of Hawaii","stats":null,"type":null},{"value":"2","labl":"Bank of Guam","stats":null,"type":null},{"value":"3","labl":"NDBP","stats":null,"type":null},{"value":"4","labl":"Palau Construction Bank","stats":null,"type":null},{"value":"5","labl":"First Commercial Bank","stats":null,"type":null},{"value":"6","labl":"SPACO","stats":null,"type":null},{"value":"7","labl":"Asia Pacific Commercial Bank","stats":null,"type":null},{"value":"8","labl":"Bank Pacific","stats":null,"type":null},{"value":"9","labl":"Pacific Savings Bank","stats":null,"type":null},{"value":"10","labl":"First Fidelity Bank Corp.","stats":null,"type":null},{"value":"11","labl":"Sunra Int'l. Bank & Trust","stats":null,"type":null},{"value":"12","labl":"Palau Housing Authority","stats":null,"type":null},{"value":"13","labl":"Other Financial Institution","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V132","name":"Q3_32C","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"169","var_end_pos":"172","var_width":"4","var_rec_seg_no":"1","labl":"Second Mortgage (Year)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nYear","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V133","name":"Q3_32D","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"173","var_end_pos":"180","var_width":"8","var_rec_seg_no":"1","labl":"Second Mortgage (borrower's contribution)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nBorrower's cash contribution","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V134","name":"Q3_32E","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"181","var_end_pos":"183","var_width":"3","var_rec_seg_no":"1","labl":"Second Mortgage (term of loan)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nTerm of mortgage loan","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V135","name":"Q3_32F","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"184","var_end_pos":"191","var_width":"8","var_rec_seg_no":"1","labl":"Second Mortgage (Latest cash pmt)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nAmount of latest payment - cash","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V136","name":"Q3_32G","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"192","var_end_pos":"199","var_width":"8","var_rec_seg_no":"1","labl":"Second Mortgage (Latest allotment)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nAmount of latest payment - allotment","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V137","name":"Q3_32H","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"200","var_end_pos":"200","var_width":"1","var_rec_seg_no":"1","labl":"Second Mortgage (Period covered)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nPeriod covered by latest payment","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"1","max":"6"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Weekly","stats":null,"type":null},{"value":"2","labl":"Bi-weekly","stats":null,"type":null},{"value":"3","labl":"Quarterly","stats":null,"type":null},{"value":"4","labl":"Semi-annual","stats":null,"type":null},{"value":"5","labl":"Annual","stats":null,"type":null},{"value":"6","labl":"Monthly","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V138","name":"Q3_32I","file_id":"F5","var_dcml":"1","var_intrvl":"contin","var_start_pos":"201","var_end_pos":"204","var_width":"4","var_rec_seg_no":"1","labl":"Second Mortgage (Interest rate)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nInterest rate (current)","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V139","name":"Q3_33A","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"205","var_end_pos":"212","var_width":"8","var_rec_seg_no":"1","labl":"Third Mortgage (Original amount)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nAmount originally borrowed","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V140","name":"Q3_33B","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"213","var_end_pos":"214","var_width":"2","var_rec_seg_no":"1","labl":"Third Mortgage (Borrowed from)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nWho borrowed from","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"1","max":"13"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Bank of Hawaii","stats":null,"type":null},{"value":"2","labl":"Bank of Guam","stats":null,"type":null},{"value":"3","labl":"NDBP","stats":null,"type":null},{"value":"4","labl":"Palau Construction Bank","stats":null,"type":null},{"value":"5","labl":"First Commercial Bank","stats":null,"type":null},{"value":"6","labl":"SPACO","stats":null,"type":null},{"value":"7","labl":"Asia Pacific Commercial Bank","stats":null,"type":null},{"value":"8","labl":"Bank Pacific","stats":null,"type":null},{"value":"9","labl":"Pacific Savings Bank","stats":null,"type":null},{"value":"10","labl":"First Fidelity Bank Corp.","stats":null,"type":null},{"value":"11","labl":"Sunra Int'l. Bank & Trust","stats":null,"type":null},{"value":"12","labl":"Palau Housing Authority","stats":null,"type":null},{"value":"13","labl":"Other Financial Institution","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V141","name":"Q3_33C","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"215","var_end_pos":"218","var_width":"4","var_rec_seg_no":"1","labl":"Third Mortgage (Year)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nYear","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V142","name":"Q3_33D","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"219","var_end_pos":"226","var_width":"8","var_rec_seg_no":"1","labl":"Third Mortgage (borrower's contribution)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nBorrower's cash contribution","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V143","name":"Q3_33E","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"227","var_end_pos":"229","var_width":"3","var_rec_seg_no":"1","labl":"Third Mortgage (term of loan)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nTerm of mortgage loan","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V144","name":"Q3_33F","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"230","var_end_pos":"237","var_width":"8","var_rec_seg_no":"1","labl":"Third Mortgage (Latest cash pmt)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nAmount of latest payment - cash","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V145","name":"Q3_33G","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"238","var_end_pos":"245","var_width":"8","var_rec_seg_no":"1","labl":"Third Mortgage (Latest allotment)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nAmount of latest payment - allotment","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V146","name":"Q3_33H","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"246","var_end_pos":"246","var_width":"1","var_rec_seg_no":"1","labl":"Third Mortgage (Period covered)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nPeriod covered by latest payment","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_val_range":[{"units":"REAL","min":"1","max":"6"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Weekly","stats":null,"type":null},{"value":"2","labl":"Bi-weekly","stats":null,"type":null},{"value":"3","labl":"Quarterly","stats":null,"type":null},{"value":"4","labl":"Semi-annual","stats":null,"type":null},{"value":"5","labl":"Annual","stats":null,"type":null},{"value":"6","labl":"Monthly","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V147","name":"Q3_33I","file_id":"F5","var_dcml":"1","var_intrvl":"contin","var_start_pos":"247","var_end_pos":"250","var_width":"4","var_rec_seg_no":"1","labl":"Third Mortgage (Interest rate)","var_qstn_qstnlit":"3.3 Please provide the following information for each mortgage or loan: \n\nInterest rate (current)","var_qstn_ivulnstr":"3.3 Mortgages and loans details \n\n- Amount borrowed - include the original amount borrowed for the purchase of this dwelling (and any other dwelling owned by this household). \n\n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n\n- Year borrowed - the year that the mortgage or loan was initially made. \n\n- Borrower?s cash contribution - the amount of the deposit made to secure the mortgage. \n\n- Term of mortgage or loan - record the full term as the number of years over which the loan is spread (including any extension to the original term), not the remaining term. \n\n- Amount of latest payment - record details from the latest payment made for the mortgage or loan. Allotments include the amount paid by an employer to the loan. \n\n- Period covered by that payment - if \u201eone month? then record as \u201e4 weeks? or \u201ecalendar month? as appropriate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V148","name":"Q4_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"251","var_end_pos":"251","var_width":"1","var_rec_seg_no":"1","labl":"Any dwelling insurance paid","var_qstn_qstnlit":"4.1 In the last 12 months, were any payments made for insurance policies on the dwelling or its contents (or any other dwelling owned by the household)?","var_qstn_postqtxt":"If NO Go To 5.1","var_qstn_ivulnstr":"4. Insurance policies for dwelling and contents \nRecord details from the latest account received. The per annum amount may be recorded from premiums paid by instalment if it is more readily available than the latest instalment paid","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V149","name":"Q5_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"252","var_end_pos":"252","var_width":"1","var_rec_seg_no":"1","labl":"Any payment in connection to construction","var_qstn_qstnlit":"5.1 In the last 12 months, did any member of this household make a payment in connection to the construction of a new dwelling?","var_qstn_postqtxt":"If NO Go To 6.1","var_qstn_ivulnstr":"5.1 New dwellings \n- Do not include: payments made in connection with the construction of dwellings used (or intended to use) mainly for business or investment purposes or payments made for a dwelling which will be rented out to others for more than one month a year.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V150","name":"Q5_3","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"253","var_end_pos":"253","var_width":"1","var_rec_seg_no":"1","labl":"Any money obtained from a loan","var_qstn_qstnlit":"5.3 Was any money obtained from a loan?","var_qstn_postqtxt":"Yes ==> Check that loan has been included in question 3 \t\nNo  ==>\t Go to question 6.1","var_qstn_ivulnstr":"5.3 Money obtained from loan \n- Yes: this loan should be included in question 3 as it relates directly to housing expenditure","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V151","name":"Q6_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"254","var_end_pos":"254","var_width":"1","var_rec_seg_no":"1","labl":"Any dwelling improvements paid","var_qstn_qstnlit":"6.1 In the last 12 months, did any member of this household pay a person or a business to do any improvements to any private dwelling?","var_qstn_postqtxt":"If NO Go To 6.2","var_qstn_ivulnstr":"NOTE: For each section in Question 6, check with the respondent if any of the payments made were from loans. If so, this information should be recorded in Question 3. \n\n6.1 Payments to contractors \n\n- Labour costs only. Please note if the payments include materials. \n\n- Amount paid: Record payments made in the last 12 months. If payment was made in the form of goods or services record the estimated value of the goods or services. Do not record the full contract price unless the contract was paid in full. \n\n- Include: expenditure by household members on dwellings not owned or rented by them, for example expenditure by a household member on his or her parent?s house) unless the household was reimbursed for the expenditure. \n\n- Do not include: expenditure on properties used mainly for business or investment purposes, or expenditure on properties owned by household members that are rented out by them for more than one month a year.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V152","name":"Q6_2","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"255","var_end_pos":"255","var_width":"1","var_rec_seg_no":"1","labl":"Purchase items for home improvement","var_qstn_qstnlit":"6.2 In the last 12 months, did any member of this household purchase any of the items below for major home improvements?","var_qstn_postqtxt":"If NO Go To 6.3","var_qstn_ivulnstr":"NOTE: For each section in Question 6, check with the respondent if any of the payments made were from loans. If so, this information should be recorded in Question 3. \n\n6.2 Purchase of materials \n\n- Include: materials purchased by household members even if it is for other properties, such as for parent's house. \n\n- Items bought: separate the cost of combined purchases of materials into single items, using the respondent?s best estimate if necessary.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V153","name":"Q6_3","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"256","var_end_pos":"256","var_width":"1","var_rec_seg_no":"1","labl":"Any home-maintenance plant or equipment","var_qstn_qstnlit":"6.3 In the last 12 months, did any member of this household pay for the hire of home-maintenance plant or equipment?","var_qstn_postqtxt":"If NO Go to question 6.4","var_qstn_ivulnstr":"NOTE: For each section in Question 6, check with the respondent if any of the payments made were from loans. If so, this information should be recorded in Question 3. \n\n6.3 Hiring of equipment \nInclude: total payment made by household members for the hire of home maintenance equipment such as water blaster, cement mixer.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V154","name":"Q6_4","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"257","var_end_pos":"257","var_width":"1","var_rec_seg_no":"1","labl":"Loan for major home improvement","var_qstn_qstnlit":"6.4 Was any money for major home improvements obtained from a loan?","var_qstn_postqtxt":"Yes ==> Check that loan has been included in question 3.1 \t\nNo  ==> Go to question 7.1","var_qstn_ivulnstr":"NOTE: For each section in Question 6, check with the respondent if any of the payments made were from loans. If so, this information should be recorded in Question 3. \n\n6.4 Loans for Major Home Improvements \nYes: this loan should be included in question 3 as it relates directly to housing expenditure","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V155","name":"Q7_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"258","var_end_pos":"258","var_width":"1","var_rec_seg_no":"1","labl":"Purchase any furniture","var_qstn_qstnlit":"7.1 In the last 12 months, did any member of this household purchase any of the items below for household furniture and fittings?","var_qstn_postqtxt":"(Include items purchased via a loan - loan details will be included in Q11 ) \n \n If NO Go To 7.2","var_qstn_ivulnstr":"7.1 & 7.2 Household furniture, fittings, appliances, white-goods etc \n\n- Do not include: items bought for properties used mainly for business or investment purposes or items bought for properties which are rented for more than one month a year. \n\n- Include: items purchased from overseas. \n\n- If more than one item was purchased: such as 2 mattresses, write in the combined total.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V156","name":"Q7_2","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"259","var_end_pos":"259","var_width":"1","var_rec_seg_no":"1","labl":"Appliances bought","var_qstn_qstnlit":"7.2 In the last 12 months, did any member of this household purchase any of the items below for household appliances (e.g., fridge, TV, etc)?","var_qstn_postqtxt":"(Include items purchased via a loan - loan details will be included in Q11)\n\nNo Go to 7.3","var_qstn_ivulnstr":"7.1 & 7.2 Household furniture, fittings, appliances, white-goods etc \n\n- Do not include: items bought for properties used mainly for business or investment purposes or items bought for properties which are rented for more than one month a year. \n\n- Include: items purchased from overseas. \n\n- If more than one item was purchased: such as 2 mattresses, write in the combined total.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V157","name":"Q7_3","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"260","var_end_pos":"260","var_width":"1","var_rec_seg_no":"1","labl":"Paid any household bills","var_qstn_qstnlit":"7.3 In the last 12 months, did any member of this household pay any of the following household bills?","var_qstn_postqtxt":"This includes payments deducted from a household members pay to cover these expenses (allotments). \n\nIf NO Go To 7.4","var_qstn_ivulnstr":"7.3 Household accounts \n\n- Do not include: any expenses paid by a business. \n\n- Include: allotment payments removed from pay in advance \n\n- Include: Rental and toll charges for telephone. \n\n- Period covered: ensure period covered is recorded, usually '1 month' - do not record dates. \n\n- Amount of latest payment: record details from the latest account received. If records are not available then 'best estimates' will do.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V158","name":"Q7_4","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"261","var_end_pos":"261","var_width":"1","var_rec_seg_no":"1","labl":"Repair any hh appliances","var_qstn_qstnlit":"7.4 In the last 12 months, did any member of this household pay for repairs to any household appliances, etc?","var_qstn_postqtxt":"If NO Go To 7.5","var_qstn_ivulnstr":"7.4 Payments for repairs to household effects \n\n- Include: payments made by household members for the repair of items recorded under question 7.1 or 7.2, e.g. video player repairs. \n\n- If the same item was repaired more than once, include the cost of each repair","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V159","name":"Q7_5","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"262","var_end_pos":"262","var_width":"1","var_rec_seg_no":"1","labl":"Hire or rent home-operation item","var_qstn_qstnlit":"7.5 In the last 12 months, did any member of this household pay for the hire\/rent of home-operation items below:","var_qstn_postqtxt":"If NO Go To 7.6","var_qstn_ivulnstr":"7.5 Payments for Hiring of Household Operation Equipments \n\n- Include: total payment made by household members for the hire of home operation equipment such as lawn mower, weed eater. \n\n- Exclude: equipment used for construction, if already covered in question 5 or 6","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V160","name":"Q7_6","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"263","var_end_pos":"263","var_width":"1","var_rec_seg_no":"1","labl":"Paid domestic helper\/ baby sitter","var_qstn_qstnlit":"7.6 In the last 12 months, did any member of this household pay for a domestic helper\/ baby sitter or temporary worker not already indicated in this survey:","var_qstn_postqtxt":"If NO Go To 8.1","var_qstn_ivulnstr":"7.6 Payments for Domestic Helpers\/ Housekeepers\/ Baby Sitters\n - Include: total payment made to domestic helper or baby sitter or other hired help","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V161","name":"Q8_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"264","var_end_pos":"264","var_width":"1","var_rec_seg_no":"1","labl":"Purchase any items for hh vehicles","var_qstn_qstnlit":"8.1 In the last 12 months, did any member of this household purchase any of the items below for household vehicles?","var_qstn_postqtxt":"If NO Go To 8.3","var_qstn_ivulnstr":"8.1 Transport - purchases \n\n- Include: vehicles purchased and used partly for business purposes but mostly for private use and vehicles used purely for private purposes. \n\n- Include: Vehicles, even if they aren?t road worthy. \n\n- Do not include: vehicles purchased and used mainly for business; 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cash","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V177","name":"Q8_2G1","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"317","var_end_pos":"320","var_width":"4","var_rec_seg_no":"1","labl":"Second loan (allotment pmt)","var_qstn_qstnlit":"Loan Details\n\nLates payment - allotment","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V178","name":"Q8_2H1","file_id":"F5","var_dcml":"1","var_intrvl":"contin","var_start_pos":"321","var_end_pos":"324","var_width":"4","var_rec_seg_no":"1","labl":"Second loan (interest rate)","var_qstn_qstnlit":"Loan Details\n\nInterest rate","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V179","name":"Q8_3","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"325","var_end_pos":"325","var_width":"1","var_rec_seg_no":"1","labl":"Any repair or maintenance of vehicle","var_qstn_qstnlit":"8.3 In the last 12 months, did any member of this household pay for the repair or maintenance of a vehicle or purchase parts or accessories?","var_qstn_postqtxt":"If NO Go To 8.4","var_qstn_ivulnstr":"8.3 Transport - repairs and maintenance \n- Repairs: separate the combined purchase of parts and\/or accessories into single items (e.g. water pump) using the respondent?s best guess if necessary.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V180","name":"Q8_4","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"326","var_end_pos":"326","var_width":"1","var_rec_seg_no":"1","labl":"Hire motor vehicle","var_qstn_qstnlit":"8.4 In the last 12 months, did any member of this household pay for the hire of a motor vehicle?","var_qstn_postqtxt":"If NO Go To 8.5","var_qstn_ivulnstr":"8.4 Transport - hiring \n- Include: all payments made by household members for hiring vehicles over the last 12 months, e.g. van from Solomon Islands Rentals.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V181","name":"Q8_5","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"327","var_end_pos":"327","var_width":"1","var_rec_seg_no":"1","labl":"Any vehicle registration\/ insurance","var_qstn_qstnlit":"8.5 In the last 12 months, did any member of this household pay for any registration and\/or insurance of a vehicle (includes, boats, canoes, OBM, etc)","var_qstn_postqtxt":"If NO Go To 9.1","var_qstn_ivulnstr":"8.5 Transport - vehicle registration and insurance \n\n- Include: all vehicle registrations and insurance separately for the last 12 months \n\n- Include: payments made by members of this household for vehicles owned by another household","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V182","name":"Q9_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"328","var_end_pos":"328","var_width":"1","var_rec_seg_no":"1","labl":"Any domestic travel expenses","var_qstn_qstnlit":"9.1 Did any member of this household have any travel expenses for domestic trips (within the Republic of Palau, i.e. Southwest, Angaur etc.) taken in the last 12 months?","var_qstn_postqtxt":"Include expenses made by members of this household for persons outside the household. \n\nIf NO Go To 9.2","var_qstn_ivulnstr":"9.1 & 9.2 Travel expenses \n\nNOTE: For each household member who has had an overseas or domestic trip in the last 12 months, expenditure amounts (or estimates) are required for expenses paid by the household. \n\n- Domestic travel: This refers to any travel from one state to another, as well as any significant travel within a state which involves a flight or boat trip \n\n- Include:\n - amounts paid for trips taken in the last 12 months; \n - private expenditure abroad including any trips paid for by family overseas. \n\n- Include: Payments made by household members for relatives overseas to travel to the Republic of Palau and visit them. \n\n- Do not include: Overseas trips paid for by the Government of the Republic of Palau or other regional or international organisations. If, however \u201eprivate? expenditure occurred during any such trip then record that expenditure. \n\n- Transport costs: If possible ask respondents to record separately expenditure on different types of public transport (e.g. airfares, car hire), using the respondent?s best estimates if necessary. \n\n- Other expenses: Include expenses by the respondent on clothing, medical goods and services, household items, even though these should also be recorded in the appropriate sections of the expenditure questionnaire.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V183","name":"Q9_2","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"329","var_end_pos":"329","var_width":"1","var_rec_seg_no":"1","labl":"Any overseas travel","var_qstn_qstnlit":"9.2 Did any member of this household have any travel expenses for trips to other countries taken in the last 12 months?","var_qstn_postqtxt":"Include expenses made by members of this household for persons outside the household. \n\nIf NO Go To 10.1","var_qstn_ivulnstr":"9.1 & 9.2 Travel expenses \n\nNOTE: For each household member who has had an overseas or domestic trip in the last 12 months, expenditure amounts (or estimates) are required for expenses paid by the household. \n\n- Domestic travel: This refers to any travel from one state to another, as well as any significant travel within a state which involves a flight or boat trip \n\n- Include:\n - amounts paid for trips taken in the last 12 months; \n - private expenditure abroad including any trips paid for by family overseas. \n\n- Include: Payments made by household members for relatives overseas to travel to the Republic of Palau and visit them. \n\n- Do not include: Overseas trips paid for by the Government of the Republic of Palau or other regional or international organisations. If, however \u201eprivate? expenditure occurred during any such trip then record that expenditure. \n\n- Transport costs: If possible ask respondents to record separately expenditure on different types of public transport (e.g. airfares, car hire), using the respondent?s best estimates if necessary. \n\n- Other expenses: Include expenses by the respondent on clothing, medical goods and services, household items, even though these should also be recorded in the appropriate sections of the expenditure questionnaire.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V184","name":"Q10_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"330","var_end_pos":"330","var_width":"1","var_rec_seg_no":"1","labl":"Any educational, recreation, sport or culture pmts","var_qstn_qstnlit":"10.1 In the last 12 months, did any member of this household make any regular payments associated with education, recreation, sport and culture?","var_qstn_postqtxt":"If NO Go To 11.1","var_qstn_ivulnstr":"10.1 Fees and subscriptions \n\n- Include: fees and subscriptions which are of a fixed amount and which are paid either annually, or at a fixed interval such as per term, month etc., or for a specific course of lessons. Examples include golf club subs, music lessons, exam fees, social club sub etc. \n\n- Subscriptions levied by sports \/ leisure clubs or societies: include all subscriptions by clubs or leisure groups or societies such as associations, institutes and welfare groups. \n\n- Education fees: do not include fees (or parts of fees) that were paid directly to the education provider as part of a bursary or scholarship. Include expenditures made by household members only. \n\n- School fees: if fees were paid on a term or semester basis, make sure the expenditure amount entered is for the last 12 months. \n\n- Regular contributions to religious and other organisations: include regular payments only, not expenditures like weekly church donations. \n\n- Regular child care: include set fees charged by care providers, cr\u00e8ches, kindergartens, pre-schools or play centres for child care undertaken on a regular basis. \n\n- Bingo, housie, raffles, and lotto: do not discount winnings.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V185","name":"Q11_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"331","var_end_pos":"331","var_width":"1","var_rec_seg_no":"1","labl":"Any housing loans or mortgages","var_qstn_qstnlit":"11.1 In the last 12 months, did any member of this household borrow any amount of money for purposes other than housing loans or mortgages or for the purchase of vehicles?","var_qstn_postqtxt":"If NO Go To 12.1","var_qstn_ivulnstr":"NOTE: This question covers all non-property and non-vehicle loans of over $100 or more obtained in the last 12 months, regardless of whether or not the money obtained has been spent. \n\n11.1 Loans \n\n- Do not include: loans for the purchase, construction or home improvement of dwellings which should be recorded in Question 3. \n\n- Do not include: loans made for the purchase of transport as these should have been recorded in Question 8. \n\n- Include: all relevant loans which have since been paid off, loans from a credit card company. All types of loans whether or not secured against property. Loans covering personal expenses, household expenses, repayment of debt etc. \n\n- Include: loans made for household operations noted in Question 7. Include: loans made for overseas travel and expenses noted in Question 9.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V186","name":"Q12_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"332","var_end_pos":"332","var_width":"1","var_rec_seg_no":"1","labl":"Any Credit Card","var_qstn_qstnlit":"12.1 In the last 12 months, did any member of this household have a credit card even if it had not been use","var_qstn_postqtxt":"If NO Go To 12.3","var_qstn_ivulnstr":"12.1 Access to credit card \n- Does any member of the household have credit cards even if they have not been used in the last 12 months?","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V187","name":"Q12_3","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"333","var_end_pos":"333","var_width":"1","var_rec_seg_no":"1","labl":"Any Charge Account","var_qstn_qstnlit":"12.3 In the last 12 months, did any member of this household use a charge account (not including accounts arranged with small shops)?","var_qstn_postqtxt":"Items charged to small shop charge account should be recorded in daily expenditure diary. This survey is only interested in other expenses as a result of the charge account such as interest as a result of the charge account. \n\nIf NO Go To 13","var_qstn_ivulnstr":"12.3 Access to charge account \n- Does any member of the household have charge accounts even if they have not been used in the last 12 months?","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V188","name":"Q13_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"334","var_end_pos":"334","var_width":"1","var_rec_seg_no":"1","labl":"Any contribution to benefit schemes","var_qstn_qstnlit":"13.1 In the last 12 months, did any member of this household make a contribution to a life insurance, social security or pension plan\/retirement?","var_qstn_postqtxt":"If NO Go To 14.1","var_qstn_ivulnstr":"13.1 Types of benefit schemes \n\n- Include: the value of the latest payment made by household members and those made on behalf of persons outside the household. \n\n- Include: the term that this payment covered (e.g. monthly, annual, quarterly).","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V189","name":"Q14_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"335","var_end_pos":"335","var_width":"1","var_rec_seg_no":"1","labl":"Any services or medication paid","var_qstn_qstnlit":"14.1 In the last 12 months, did any member of this household pay for the services or medications from health practitioners and service providers? ( ) \tYes","var_qstn_postqtxt":"If NO Go To 15.1","var_qstn_ivulnstr":"14.1 Payments for medical services \n\n- Include: payments made by household members and those made on behalf of persons outside the household in the last 12 months. Include the value of payment in kind in the case of traditional medical practitioners. \n\n- Include: expenditure paid by household members while overseas for medical and health services such as prescription charges, doctors visit charges etc as \u201eother? costs and note that these were incurred overseas. Note that if these expenses were reimbursed by insurance or another agency do not record the expenditure, unless the expenses were only partially reimbursed in which case record the expense less the reimbursement. \n\n- Do not include: the cost of overseas travel for medical purposes as the expenditure of household members should be included in Question 9 on Overseas Travel.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V190","name":"Q15_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"336","var_end_pos":"336","var_width":"1","var_rec_seg_no":"1","labl":"Any contributions to customs","var_qstn_qstnlit":"15.1 In the last 12 months, did any member of this household contribute to any customs?","var_qstn_postqtxt":"If NO Go to 16.1","var_qstn_ivulnstr":"15.1 Custom Occasions \n- If a member of the household contributed to more than one funeral in the last 12 months then add the contributions for both together. This applies for each of the other categories of custom occasions (ocheraol, omengat\/ngasech, house party). \n- Whenever possible get the household to refer to their records before providing details","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":null,"type":null},{"value":"2","labl":"No","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V191","name":"Q16_1","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"337","var_end_pos":"337","var_width":"1","var_rec_seg_no":"1","labl":"Miscellaneous services payments","var_qstn_qstnlit":"16.1 In the last 12 months, did any member of this household pay for personal services or any of the other expenditure types listed below?","var_qstn_ivulnstr":"16.1 Payments made for personal services \n\n- Include: payments made by household members in the last 12 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If the work was done on a contract basis (i.e. part of the overall cost) include in payments to builders and trades people. \n\n- Contract payments to builder: record all contract payments made. \n\n- Materials: materials purchased by the household to be used in the basic construction of the building. Traditional materials include things such as thatch roof materials, local woods, bamboo etc. \n\n- etc. Non-traditional materials include concrete, timber, corrugated iron, etc. \n\n- Other: record only the costs (if any) which related to the basic construction of the dwelling rather than to the fitting out and decoration of the dwelling which should be entered in question 6.1.","var_val_range":[{"units":"REAL","min":"12","max":"85209"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"24101","labl":"Site preparation","stats":null,"type":null},{"value":"24102","labl":"Surveying fees","stats":null,"type":null},{"value":"24103","labl":"Architectural or design fees","stats":null,"type":null},{"value":"24104","labl":"Building permit fees","stats":null,"type":null},{"value":"24106","labl":"Registration fees","stats":null,"type":null},{"value":"24107","labl":"Contract payments to builders","stats":null,"type":null},{"value":"24108","labl":"Contract payments to other trades people","stats":null,"type":null},{"value":"24109","labl":"Materials used in the basic construction -non traditional","stats":null,"type":null},{"value":"24110","labl":"Materials used in the basic construction - traditional","stats":null,"type":null},{"value":"24111","labl":"Transport of materials","stats":null,"type":null},{"value":"24112","labl":"Other costs of constructions","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V215","name":"Q5_2B","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"437","var_end_pos":"444","var_width":"8","var_rec_seg_no":"4","labl":"Amount paid","var_qstn_preqtxt":"5.2 Payments for construction items","var_qstn_qstnlit":"Amount Paid","var_qstn_ivulnstr":"5.2 Payments for construction \n\n- Include: payments made by the household directly to a second party such as a local builder, contractor, plumber etc. \n\n- Site preparation: include work such as excavating, rock and shrub removal, tree felling, access road, installation of utilities. 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If, however \u201eprivate? expenditure occurred during any such trip then record that expenditure. \n\n- Transport costs: If possible ask respondents to record separately expenditure on different types of public transport (e.g. airfares, car hire), using the respondent?s best estimates if necessary. \n\n- Other expenses: Include expenses by the respondent on clothing, medical goods and services, household items, even though these should also be recorded in the appropriate sections of the expenditure questionnaire.","var_val_range":[{"units":"REAL","min":"0","max":"53207"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"53200","labl":"Others","stats":null,"type":null},{"value":"53201","labl":"Airfare","stats":null,"type":null},{"value":"53202","labl":"Sea fare","stats":null,"type":null},{"value":"53204","labl":"Accomodation","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V260","name":"Q9_1D","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"795","var_end_pos":"802","var_width":"8","var_rec_seg_no":"18","labl":"Amount of travel expenses","var_qstn_qstnlit":"Expenditure by household members for domestic travel","var_qstn_ivulnstr":"9.1 & 9.2 Travel expenses \n\nNOTE: For each household member who has had an overseas or domestic trip in the last 12 months, expenditure amounts (or estimates) are required for expenses paid by the household. \n\n- Domestic travel: This refers to any travel from one state to another, as well as any significant travel within a state which involves a flight or boat trip \n\n- Include:\n - amounts paid for trips taken in the last 12 months; \n - private expenditure abroad including any trips paid for by family overseas. \n\n- Include: Payments made by household members for relatives overseas to travel to the Republic of Palau and visit them. \n\n- Do not include: Overseas trips paid for by the Government of the Republic of Palau or other regional or international organisations. If, however \u201eprivate? expenditure occurred during any such trip then record that expenditure. \n\n- Transport costs: If possible ask respondents to record separately expenditure on different types of public transport (e.g. airfares, car hire), using the respondent?s best estimates if necessary. \n\n- Other expenses: Include expenses by the respondent on clothing, medical goods and services, household items, even though these should also be recorded in the appropriate sections of the expenditure questionnaire.","var_val_range":[{"units":"REAL","min":"0","max":"999915"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V261","name":"Q9_2A","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"803","var_end_pos":"817","var_width":"15","var_rec_seg_no":"19","labl":"Overseas travel","var_qstn_qstnlit":"Expenditure by household members for overseas travel","var_qstn_ivulnstr":"9.1 & 9.2 Travel expenses \n\nNOTE: For each household member who has had an overseas or domestic trip in the last 12 months, expenditure amounts (or estimates) are required for expenses paid by the household. \n\n- Domestic travel: This refers to any travel from one state to another, as well as any significant travel within a state which involves a flight or boat trip \n\n- Include:\n - amounts paid for trips taken in the last 12 months; \n - private expenditure abroad including any trips paid for by family overseas. \n\n- Include: Payments made by household members for relatives overseas to travel to the Republic of Palau and visit them. \n\n- Do not include: Overseas trips paid for by the Government of the Republic of Palau or other regional or international organisations. If, however \u201eprivate? expenditure occurred during any such trip then record that expenditure. \n\n- Transport costs: If possible ask respondents to record separately expenditure on different types of public transport (e.g. airfares, car hire), using the respondent?s best estimates if necessary. \n\n- Other expenses: Include expenses by the respondent on clothing, medical goods and services, household items, even though these should also be recorded in the appropriate sections of the expenditure questionnaire.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V262","name":"Q9_2B","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"818","var_end_pos":"819","var_width":"2","var_rec_seg_no":"19","labl":"Person number","var_qstn_preqtxt":"Expenditure by household members for overseas travel","var_qstn_qstnlit":"Person No.","var_qstn_ivulnstr":"9.1 & 9.2 Travel expenses \n\nNOTE: For each household member who has had an overseas or domestic trip in the last 12 months, expenditure amounts (or estimates) are required for expenses paid by the household. \n\n- Domestic travel: This refers to any travel from one state to another, as well as any significant travel within a state which involves a flight or boat trip \n\n- Include:\n - amounts paid for trips taken in the last 12 months; \n - private expenditure abroad including any trips paid for by family overseas. \n\n- Include: Payments made by household members for relatives overseas to travel to the Republic of Palau and visit them. \n\n- Do not include: Overseas trips paid for by the Government of the Republic of Palau or other regional or international organisations. If, however \u201eprivate? expenditure occurred during any such trip then record that expenditure. \n\n- Transport costs: If possible ask respondents to record separately expenditure on different types of public transport (e.g. airfares, car hire), using the respondent?s best estimates if necessary. \n\n- Other expenses: Include expenses by the respondent on clothing, medical goods and services, household items, even though these should also be recorded in the appropriate sections of the expenditure questionnaire.","var_val_range":[{"units":"REAL","min":"0","max":"85"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V263","name":"Q9_2C","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"820","var_end_pos":"824","var_width":"5","var_rec_seg_no":"19","labl":"Overseas travel expenses","var_qstn_preqtxt":"Expenditure by household members for overseas travel","var_qstn_qstnlit":"Travel Expense","var_qstn_ivulnstr":"9.1 & 9.2 Travel expenses \n\nNOTE: For each household member who has had an overseas or domestic trip in the last 12 months, expenditure amounts (or estimates) are required for expenses paid by the household. \n\n- Domestic travel: This refers to any travel from one state to another, as well as any significant travel within a state which involves a flight or boat trip \n\n- Include:\n - amounts paid for trips taken in the last 12 months; \n - private expenditure abroad including any trips paid for by family overseas. \n\n- Include: Payments made by household members for relatives overseas to travel to the Republic of Palau and visit them. \n\n- Do not include: Overseas trips paid for by the Government of the Republic of Palau or other regional or international organisations. If, however \u201eprivate? expenditure occurred during any such trip then record that expenditure. \n\n- Transport costs: If possible ask respondents to record separately expenditure on different types of public transport (e.g. airfares, car hire), using the respondent?s best estimates if necessary. \n\n- Other expenses: Include expenses by the respondent on clothing, medical goods and services, household items, even though these should also be recorded in the appropriate sections of the expenditure questionnaire.","var_val_range":[{"units":"REAL","min":"0","max":"53207"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"53200","labl":"Other expenses","stats":null,"type":null},{"value":"53201","labl":"Air fare","stats":null,"type":null},{"value":"53202","labl":"Sea fare","stats":null,"type":null},{"value":"53203","labl":"Departure tax","stats":null,"type":null},{"value":"53204","labl":"Accomodation","stats":null,"type":null},{"value":"53205","labl":"Meals\/ Drinks","stats":null,"type":null},{"value":"53206","labl":"Clothing","stats":null,"type":null},{"value":"53207","labl":"Household Goods","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V264","name":"Q9_2D","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"825","var_end_pos":"832","var_width":"8","var_rec_seg_no":"19","labl":"Overseas travel expense amount","var_qstn_preqtxt":"Expenditure by household members for overseas travel","var_qstn_qstnlit":"Expenditure by household members for overseas travel","var_qstn_ivulnstr":"9.1 & 9.2 Travel expenses \n\nNOTE: For each household member who has had an overseas or domestic trip in the last 12 months, expenditure amounts (or estimates) are required for expenses paid by the household. \n\n- Domestic travel: This refers to any travel from one state to another, as well as any significant travel within a state which involves a flight or boat trip \n\n- Include:\n - amounts paid for trips taken in the last 12 months; \n - private expenditure abroad including any trips paid for by family overseas. \n\n- Include: Payments made by household members for relatives overseas to travel to the Republic of Palau and visit them. \n\n- Do not include: Overseas trips paid for by the Government of the Republic of Palau or other regional or international organisations. If, however \u201eprivate? expenditure occurred during any such trip then record that expenditure. \n\n- Transport costs: If possible ask respondents to record separately expenditure on different types of public transport (e.g. airfares, car hire), using the respondent?s best estimates if necessary. \n\n- Other expenses: Include expenses by the respondent on clothing, medical goods and services, household items, even though these should also be recorded in the appropriate sections of the expenditure questionnaire.","var_val_range":[{"units":"REAL","min":"0","max":"200623"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V265","name":"Q10_1A","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"833","var_end_pos":"843","var_width":"11","var_rec_seg_no":"20","labl":"Fee or subscription details","var_qstn_qstnlit":"Fee or subscription details","var_qstn_ivulnstr":"10.1 Fees and subscriptions \n- Include: fees and subscriptions which are of a fixed amount and which are paid either annually, or at a fixed interval such as per term, month etc., or for a specific course of lessons. Examples include golf club subs, music lessons, exam fees, social club sub etc. \n- Subscriptions levied by sports \/ leisure clubs or societies: include all subscriptions by clubs or leisure groups or societies such as associations, institutes and welfare groups. \n- Education fees: do not include fees (or parts of fees) that were paid directly to the education provider as part of a bursary or scholarship. Include expenditures made by household members only. \n- School fees: if fees were paid on a term or semester basis, make sure the expenditure amount entered is for the last 12 months. \n- Regular contributions to religious and other organisations: include regular payments only, not expenditures like weekly church donations. \n- Regular child care: include set fees charged by care providers, cr\u00e8ches, kindergartens, pre-schools or play centres for child care undertaken on a regular basis. \n- Bingo, housie, raffles, and lotto: do not discount winnings.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V266","name":"Q10_1B","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"844","var_end_pos":"848","var_width":"5","var_rec_seg_no":"20","labl":"Type of fee or subscription","var_qstn_preqtxt":"Fee or subscription details","var_qstn_qstnlit":"Type of fee or subscription","var_qstn_ivulnstr":"10.1 Fees and subscriptions \n- Include: fees and subscriptions which are of a fixed amount and which are paid either annually, or at a fixed interval such as per term, month etc., or for a specific course of lessons. Examples include golf club subs, music lessons, exam fees, social club sub etc. \n- Subscriptions levied by sports \/ leisure clubs or societies: include all subscriptions by clubs or leisure groups or societies such as associations, institutes and welfare groups. \n- Education fees: do not include fees (or parts of fees) that were paid directly to the education provider as part of a bursary or scholarship. Include expenditures made by household members only. \n- School fees: if fees were paid on a term or semester basis, make sure the expenditure amount entered is for the last 12 months. \n- Regular contributions to religious and other organisations: include regular payments only, not expenditures like weekly church donations. \n- Regular child care: include set fees charged by care providers, cr\u00e8ches, kindergartens, pre-schools or play centres for child care undertaken on a regular basis. \n- Bingo, housie, raffles, and lotto: do not discount winnings.","var_val_range":[{"units":"REAL","min":"0","max":"84211"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"83200","labl":"Others","stats":null,"type":null},{"value":"83202","labl":"Extension fees","stats":null,"type":null},{"value":"83203","labl":"Private tuition","stats":null,"type":null},{"value":"83205","labl":"Examination fees","stats":null,"type":null},{"value":"83206","labl":"Fees charged for hobby classes","stats":null,"type":null},{"value":"83207","labl":"Regular contribution","stats":null,"type":null},{"value":"83208","labl":"Subscription","stats":null,"type":null},{"value":"83209","labl":"Daycare","stats":null,"type":null},{"value":"83210","labl":"Formal educ fees (Kindergarten)","stats":null,"type":null},{"value":"83211","labl":"Formal educ fees (Primary)","stats":null,"type":null},{"value":"83212","labl":"Formal educ fees (Secondary)","stats":null,"type":null},{"value":"83213","labl":"Formal educ fees (Tertiary)","stats":null,"type":null},{"value":"83214","labl":"Boarding\/ Lodging fees","stats":null,"type":null},{"value":"83216","labl":"Clothing","stats":null,"type":null},{"value":"83217","labl":"Books & School supplies","stats":null,"type":null},{"value":"84200","labl":"Other","stats":null,"type":null},{"value":"84211","labl":"Raffles\/ Lotto expenses","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V267","name":"Q10_1C","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"849","var_end_pos":"854","var_width":"6","var_rec_seg_no":"20","labl":"Amount of fee\/ subscription paid","var_qstn_preqtxt":"Fee or subscription details","var_qstn_qstnlit":"Amount paid","var_qstn_ivulnstr":"10.1 Fees and subscriptions \n- Include: fees and subscriptions which are of a fixed amount and which are paid either annually, or at a fixed interval such as per term, month etc., or for a specific course of lessons. Examples include golf club subs, music lessons, exam fees, social club sub etc. \n- Subscriptions levied by sports \/ leisure clubs or societies: include all subscriptions by clubs or leisure groups or societies such as associations, institutes and welfare groups. \n- Education fees: do not include fees (or parts of fees) that were paid directly to the education provider as part of a bursary or scholarship. Include expenditures made by household members only. \n- School fees: if fees were paid on a term or semester basis, make sure the expenditure amount entered is for the last 12 months. \n- Regular contributions to religious and other organisations: include regular payments only, not expenditures like weekly church donations. \n- Regular child care: include set fees charged by care providers, cr\u00e8ches, kindergartens, pre-schools or play centres for child care undertaken on a regular basis. \n- Bingo, housie, raffles, and lotto: do not discount winnings.","var_val_range":[{"units":"REAL","min":"0","max":"453203"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V268","name":"Q11_2","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"855","var_end_pos":"869","var_width":"15","var_rec_seg_no":"21","labl":"Housing Loan Details","var_qstn_qstnlit":"11.2 What was the purpose and details of each loan?","var_qstn_ivulnstr":"11.2 Purpose of loan \n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n- If the purpose was holiday or overseas travel specify the main destination. \n- For each loan write the purpose of the loan - e.g. \u201ehome improvements?, \u201ewedding? etc. \n- Loan repaid yet: if the answer is \u201eyes? and the total amount repaid (including interest) is not known, then give best estimate.","var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V269","name":"Q11_2A","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"870","var_end_pos":"870","var_width":"1","var_rec_seg_no":"21","labl":"Loan Number","var_qstn_preqtxt":"11.2 What was the purpose and details of each loan?","var_qstn_qstnlit":"Loan No.","var_qstn_ivulnstr":"11.2 Purpose of loan \n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n- If the purpose was holiday or overseas travel specify the main destination. \n- For each loan write the purpose of the loan - e.g. \u201ehome improvements?, \u201ewedding? etc. \n- Loan repaid yet: if the answer is \u201eyes? and the total amount repaid (including interest) is not known, then give best estimate.","var_val_range":[{"units":"REAL","min":"0","max":"9"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V270","name":"Q11_2B","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"871","var_end_pos":"872","var_width":"2","var_rec_seg_no":"21","labl":"Borrowed from","var_qstn_preqtxt":"11.2 What was the purpose and details of each loan?","var_qstn_qstnlit":"Who borrowed from","var_qstn_ivulnstr":"11.2 Purpose of loan \n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n- If the purpose was holiday or overseas travel specify the main destination. \n- For each loan write the purpose of the loan - e.g. \u201ehome improvements?, \u201ewedding? etc. \n- Loan repaid yet: if the answer is \u201eyes? and the total amount repaid (including interest) is not known, then give best estimate.","var_val_range":[{"units":"REAL","min":"0","max":"73"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Bank of Hawaii","stats":null,"type":null},{"value":"2","labl":"Bank of Guam","stats":null,"type":null},{"value":"3","labl":"NDBP","stats":null,"type":null},{"value":"4","labl":"Palau Construction Bank","stats":null,"type":null},{"value":"5","labl":"First Commercial Bank","stats":null,"type":null},{"value":"6","labl":"SPACO","stats":null,"type":null},{"value":"7","labl":"Asia Pacific Commercial Bank","stats":null,"type":null},{"value":"8","labl":"Bank Pacific","stats":null,"type":null},{"value":"9","labl":"Pacific Savings Bank","stats":null,"type":null},{"value":"10","labl":"First Fidelity Bank Corp.","stats":null,"type":null},{"value":"11","labl":"Sunra Int'l. Bank & Trust","stats":null,"type":null},{"value":"12","labl":"Palau Housing Authority","stats":null,"type":null},{"value":"13","labl":"Other Financial Institution","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V271","name":"Q11_2C","file_id":"F5","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"873","var_end_pos":"873","var_width":"1","var_rec_seg_no":"21","labl":"Purpose of Loan","var_qstn_preqtxt":"11.2 What was the purpose and details of each loan?","var_qstn_qstnlit":"Purpose of loan","var_qstn_ivulnstr":"11.2 Purpose of loan \n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n- If the purpose was holiday or overseas travel specify the main destination. \n- For each loan write the purpose of the loan - e.g. \u201ehome improvements?, \u201ewedding? etc. \n- Loan repaid yet: if the answer is \u201eyes? and the total amount repaid (including interest) is not known, then give best estimate.","var_val_range":[{"units":"REAL","min":"0","max":"8"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Personal","stats":null,"type":null},{"value":"2","labl":"Custom","stats":null,"type":null},{"value":"3","labl":"Medical","stats":null,"type":null},{"value":"4","labl":"Vacation","stats":null,"type":null},{"value":"5","labl":"Other","stats":null,"type":null}],"var_format":"numeric","var_format_schema":"other","fid":"F5"},{"vid":"V272","name":"Q11_2D","file_id":"F5","var_dcml":"0","var_intrvl":"contin","var_start_pos":"874","var_end_pos":"879","var_width":"6","var_rec_seg_no":"21","labl":"Original amount","var_qstn_preqtxt":"11.2 What was the purpose and details of each loan?","var_qstn_qstnlit":"Amount originally borrowed","var_qstn_ivulnstr":"11.2 Purpose of loan \n- Who borrowed from - state whether the money was borrowed from a bank, credit union, NPF, family or friends, etc. \n- If the purpose was holiday or overseas travel specify the main destination. \n- For each loan write the purpose of the loan - e.g. \u201ehome improvements?, \u201ewedding? 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