THE ECONOMIC POLICY RESEARCH CENTRE (EPRC)

FINSCOPE 3 Household Questionnaire Serial No.

AREA IDENTIFICATION PARTICULARLS
SETTING: URBAN RURAL
DISTRICT_______________________________
COUNTY
/MUNICIPALITY___________________
COUNTY/DIVISION/TOWN SAMPLE NUMBER..
COUNCIL_________
PARISH________________________________ HOUSEHOLD CODE...
REGION________________________________ EA/LC1...
NAME OF HOUSEHOLD
HEAD______________
RESPONDENTS NUMBER (from Kish Grid)
RESPONDENTS TELEPHONE NUMBER_____
HOUSEHOLD TELEPHONE NUMBER________

STAFF DETAILS AND SURVEY TIME

INTERVIEWER: I hereby certify that this interview has been carried out by me according to the instructions I received
from REEV Consult International and has been checked
NAME OF ENUMERATOR__________________ ..
NAME OF SUPERVISOR___________________ ..
NAME OF EDITOR________________________ ..
NAME OF BACKCHECKER/PERSONNEL
ACCOMPANIED__________________________
DATE OF INSPECTION____________________ DD MM YYYY

STARTING TIME HH MM END TIME: HH MM

(RECORD IN 24 HOUR CLOCK)

WITH FUNDING FROM THE DFID, REEV CONSULT INTERNATIONAL IN COLLABORATION WITH ECONOMIC POLICY RESEARCH CENTRE, BANK OF
UGANDA AND UGANDA BUREAU OF STATISTICS, IS CONDUCTING FINSCOPE UGANDA III, A NATIONALLY REPRESENTATIVE STUDY ON THE DEMAND,
ACCESS AND USE OF FINANCIAL SERVICES IN UGANDA.
RESPONSE DETAILS
At first attempt At second attempt At third attempt
Interview completed
REVISIT
Appointment made
Selected respondent not at home
Nobody at home
DO NOT QUALIFY
No person qualifies according to the survey specifications
Respondent is physically/mentally not fit to be
interviewed
Respondent cannot communicate with interviewer
because of language
REFUSALS
Contact person refused
Interview refused by selected respondent
Interview refused by parent

Page 1 of 37
 Hello, my name is .. from REEV Consult International. We are working on
the FINSCOPE III Project for the Economic Policy research Centre (EPRC). FinScope survey (2013) is
focused on access to and use of financial services in Uganda to measures the extent to which financial
services and products are used, by whom and what constraints are faced by individuals who do not use
them; have stopped using them; or are not even aware of the said financial services. It is also focusing on
gender and regional representativeness. It will be of value to commercial providers policy makers;
Development Partners who are stakeholders in improvement of availability, accessibility and affordability of
financial services. Findings of this assignment will make it possible to study trends and movement in the
access to finance and contribute to the available information about the development of financial markets in
Uganda.

Identification Details
Head of Households name
Respondent's name (If respondent not the household head)
Head of Household's Age
Have you lived in this household in the last 12 months Yes all the Time1
Yes but not all the time2
No3
How long have you been living in this Household in the last 12
months?(Record only in Months)

GPS Readings

N/S

Page 2 of 37
SCREENER
1) RECORD NAMES OF EVERYONE IN HOUSEHOLD. 2). RECORD NAMES FROM OLDEST TO YOUNGEST. INTERVIEWER NOTE: ONLY RESPONDENTS 16
YEARS AND ABOVE QUALIFY FOR AN INTERVIEW.

Household schedule (A household member is a person who usually stays in the household and normally shares on the same food with the rest of the
household)
Write in from oldest (top) to youngest Age (Years) Date of Birth

(M/F)
All persons aged 16 years and (bottom) DD MM YYYY

Sex
above.

All people in the household 1.

who qualify for this survey 2.
(persons who will be available 3.
for the duration of this survey 4.
about 1 month). 5.
(INTERVIEW) 6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
NON QUALIFIERS Write in from oldest (top) to youngest Age (Years) DD MM YYYY
BELOW (bottom)
16 YEARS. 1.
2.
Persons in the household 3.
who do not qualify for this
survey 4.
(DO NOT INTERVIEW). 5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.

Page 3 of 37
OTHER NON QUALIFIERS Write in from oldest (top) to youngest Age (Years) DD MM YYYY
(bottom)
Those who will not be available 1.
for the period of the survey or 2.
visitors not permanent 3.
residents of the household or 4.
those that are mentally 5.
incapacitated. 6.
7.
8.
9.
10.
11.
12.
13.
14.
15.

Page 4 of 37
 KISH TABLE
INTERVIEWER: IN ORDER TO DETERMINE WHO WILL BE INTERVIEWED YOU WILL NEED THE LAST TWO DIGITS
OF THE QUESTIONNAIRE NUMBER AS STATED ON PAGE 1 OF THE QUESTIONNAIRE, AND THE
NUMBER OF PERSONS IN THE HOUSEHOLD WHO QUALIFY FOR THE SURVEY.
1. FIND THE NUMBER RUNNING DOWN THE LEFT SIDE OF THE TABLE THAT
MATCHES THE END OF THE QUESTIONNAIRE NUMBER, AND THE NUMBER OF
HOUSEHOLD MEMBERS THAT QUALIFY RUNNING ACROSS THE TOP OF THE
TABLE.
2. CIRCLE THE NUMBER WHERE THESE TWO NUMBERS MEET IN THE TABLE. THIS IS
THE NUMBER OF THE PERSON THAT YOU WILL INTERVIEW. INTERVIEW THE
SELECTED INDIVIDUAL.
3. THE NUMBER OF THE PERSON THAT YOU WILL INTERVIEW.
4. INTERVIEW THE SELECTED INDIVIDUAL.
5. KISH TABLE

QUESTIONNAIRE NUMBER OF QUALIFYING PERSONS IN HOUSEHOLD THE RESPONDENT MUST BE DRAWN FROM
NUMBER ENDS IN 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
01 26 51 76 1 1 1 3 2 4 1 3 5 8 6 5 12 10 1 6 8 7 19 19 13 21 13 24 25
02 27 52 77 1 2 3 4 3 1 2 2 3 4 8 3 7 2 5 14 4 15 4 8 6 16 14 22 19
03 28 53 78 1 1 2 1 4 2 7 6 9 3 5 11 2 1 3 11 8 10 16 16 10 5 2 2 7
04 29 54 29 1 2 3 2 1 3 5 8 6 2 4 2 4 8 11 10 16 6 9 10 15 11 12 11 18
05 30 55 80 1 1 1 4 5 6 3 5 7 5 9 8 14 3 2 13 5 18 1 4 1 20 11 5 24
06 31 56 81 1 2 2 2 3 5 6 7 8 7 1 4 9 14 8 2 17 17 14 12 14 22 10 3 14
07 32 57 82 1 2 1 1 4 1 4 1 4 6 3 6 5 7 13 9 2 3 13 14 8 2 7 20 4
08 33 58 83 1 1 2 3 2 5 1 4 2 1 7 10 6 5 4 15 10 5 2 13 4 17 5 17 8
09 34 59 84 1 1 3 2 5 6 2 2 1 9 10 1 10 4 6 6 1 9 10 1 5 6 9 1 12
10 35 60 85 1 2 2 4 1 3 3 6 9 10 11 12 3 9 15 7 8 11 6 3 9 4 3 10 1
11 36 61 86 1 1 1 3 1 4 5 3 1 6 2 9 13 11 14 4 11 4 15 15 17 1 1 23 2
12 37 62 87 1 2 3 1 3 2 7 5 6 5 7 7 8 6 10 3 3 1 12 20 7 `13 22 12 16
13 38 63 88 1 1 2 1 5 3 6 4 3 4 6 2 11 13 12 1 15 8 7 2 12 15 21 13 7
14 39 64 89 1 2 3 2 4 1 4 7 8 2 5 6 11 12 9 16 13 16 11 18 18 14 16 18 23
15 40 65 90 1 2 1 4 2 4 3 8 7 7 11 1 3 5 7 12 14 13 8 17 20 19 20 19 11
16 41 66 91 1 1 3 3 1 6 5 1 5 9 10 3 2 11 13 8 12 12 5 6 21 8 8 4 15
17 42 67 92 1 1 2 3 4 2 6 4 2 3 2 12 5 2 10 13 5 8 18 9 16 10 17 16 20
18 43 68 93 1 2 1 4 2 6 4 1 4 8 9 10 7 9 3 12 12 9 7 20 19 9 19 21 13
19 44 69 94 1 2 2 1 3 5 2 8 9 10 4 9 8 13 1 1 14 10 19 10 11 18 15 7 6
20 45 70 95 1 2 3 2 5 4 1 3 8 1 3 8 6 6 9 5 7 13 4 15 1 7 22 15 21
21 46 71 96 1 2 1 2 5 1 7 2 3 2 1 11 4 7 5 3 2 1 3 12 18 5 19 14 9
22 47 72 97 1 2 1 3 1 3 2 6 2 1 8 7 1 4 2 11 8 2 17 4 17 21 16 3 5
23 48 73 98 1 2 3 4 2 2 6 7 7 8 3 4 9 3 6 2 11 11 16 2 8 11 23 6 22
24 49 74 99 1 2 2 1 4 6 3 5 5 3 1 5 13 1 14 8 14 6 15 9 14 3 6 9 17

25 50 75 00 1 1 2 3 3 2 4 6 4 7 5 3 12 12 12 4 6 2 17 11 2 12 4 8 10

Page 5 of 37
 Section P: Respondents Personal Characteristics - Demographics
N QUESTIONS AND FILTERS CODING CATEGORIES SKIP TO

INTERVIEWER NOTE: IN THIS SECTION AND WHERE APPLICABLE, IF THE RESPONDENT IS THE HEAD OF HOUSEHOLD,
TICK ONLY UNDER THE COLUMN OF HEAD OF HOUSEHOLD
PN7 Sex of Respondent and Head Respondent Head of Household
of Household Male 1 1
Female 2 2
PN8 How old are you? (age in
complete years)
PN9 When were you born? DD MM YYY

P1 What is your relationship with Head of household............................................................................01

the head of the household? Spouse..............................................................................................02
Son/Daughter....................................................................................03
Grandchild.........................................................................................04
Step child...........................................................................................05
Parent of head or spouse..................................................................06
Sister/brother of head or spouse.......................................................07
Nephew/Niece...................................................................................08
Other relatives...................................................................................09
Others................................................................................................10
P2 a) What is your current Respondent Head of HH
marital Status? Married (Monogamy) 1 1
Married (Polygamy) 2 2
b) What is the marital status Cohabiting 3 3
of the head of this
household? Divorced/Separated 4 4
Widowed 5 5
Single 6 6
P4 a) What is the highest level of Respondent Head of HH
education you attained? Never went to school 01 01
Did not complete P1 02 02
b) What is the highest level of
education attained by the Completed P1 03 03
head of this household? Completed P2 04 04
Completed P3 05 05
Completed P4 06 06
Completed P5 07 07
Completed P6 08 08
Completed P7 09 09
Completed S1 10 10
Completed S2 11 11
Completed S3 12 12
Completed S4 13 13
Completed S5 14 14
Completed S6 15 15
Specialized training/certificate 16 16
Specialized training or diploma 17 17
Completed degree and above 18 18
Dont know 19 19

Page 6 of 37
P5 a) Can you read or write in Respondent Head of Household
any language? Neither able to read nor write 1 1
Able to read only 2 2
b) Can the head of this Able to read and write 3 3
household read or write in
any language? Able to write, not read 4 4
P6 a) Employment status (Main) Respondent Head of Household
of respondent Self employed 01 01
Full-time public employee 02 02
b) Employment (Main) status
of head of household Part- time public employee 03 03
Full-time private employee 04 04
Part- time private employee 05 05
Casual laborer 06 06
Unpaid for household work 07 07
Still in school 08 08
Unemployed 09 09
Retired/pensioner 10 10
Other (specify) 11 11
NP10 a) What is your religion? Respondent Head of Household
Catholic 1 1
b) What is the religion of the Anglican/Protestant 2 2
head of this household?
Muslim 3 3
Pentecostal 4 4
Seventh Day Adventist 5 5
Other (Specify).................... 6 6
SECTION 2:HOUSEHOLD CONDITIONS
2.1 What type of house? Detached house.......1
(main cottage) Semi-detached house......2
Flat..3
Tenement (Muzigo) .4
Others (specify) 5
2.2 In which dwelling unit is it? (Occupancy tenure of Free public.....1
dwelling unit) Free private ......2
(main cottage) Free private ownership....3
Subsidized public..4
Subsidized private ...5
Rented public ...6
Rented private......7
Others (specify) 8
2.3 What is the type of dwelling unit? Main house...1
(main cottage) Room or rooms....2
Store/ basement...3
Go down/ Garage.....4
Servants quarter.......5
Others (specify) ...6
2.4 How many rooms does it have for sleeping in? One ....1
(main cottage) Two.....2
Three......3
Four ...4
Five or more......5

Page 7 of 37
2.5 FLOOR: What type of material was mainly used for Concrete stone/cement.......1
construction of floor (main cottage) Bricks .....2
Rammed earth .....3
(SINGLE MENTION) Wood .....4
Tiles ...5
Stones .. 6
Terazo ...... 7
Others specify...8
2.6 ROOF: What type of material was mainly used for Iron sheets....1
construction of roof (main cottage) Tiles....2
Asbestos...3
(SINGLE MENTION) Concrete....4
Tins....5
Grass/ papyrus..6
Banana leaves/ Fibre ..7
Others (specify) 8
2.7 WALL: What type of material was mainly used for Burnt/stabilized bricks with cement.01
construction of the walls (main cottage) Burnt stabilized bricks with mud .02
Cement blocks ...03
(SINGLE MENTION) Wood....04
Tiles..05
Concrete......06
Stone with Concrete .....07
Un-burnt bricks with Cement....08
Un-burnt bricks with mud .09
Mud and poles ...10
Others specify....98
2.8 TOILET: What type of toilet facility does this household Covered pit latrine-Private...1
usually use? Covered pit latrineShared Covered....2
VIP latrine - Private......3
(SPONTENEOUS RESPONSES-SINGLE MENTION) Covered VIP latrine-Shared. .....4
Flush toilet - private.....5
Flush toilet - Shared....6
Bush...7
Others (Specify) ..8
2.9 FUEL/POWER: What is the main source of energy for Electricity....1
lighting in this household? Gas..2
Paraffin (Lantern).....3
(SPONTENEOUS RESPONSES-SINGLE MENTION) Paraffin (Tadooba) ......4
Candle wax....5
Firewood ...6
Solar ..7
Bio Gas /Cow dung. 8
Others (specify)______________________9
2.10 FUEL/POWER: What is the main source of energy for Electricity ......1
cooking in this household? Paraffin .........2
Firewood ...3
(SPONTENEOUS RESPONSES-SINGLE MENTION) Gas ........4
Charcoal ....5
Cow dung or grass ......6
Other Specify .. 8

Page 8 of 37
2.11 What is the main source of drinking water for this Tap/piped water....1
household in? Bore hole.......2
Protected well/springs ....3
(SPONTANEOUS RESPONSES-SINGLE MENTION) Rain water... 4
Gravity Flow schemes .. 5
Open water source .... 6
Water truck/water.... 7
vendor... 8
Others (specify) __. 9
2.12 What is the main source of water for other purposes in Tap/piped water....1
this household? Bore hole.......2
(SPONTANEOUS RESPONSES-SINGLE MENTION) Protected well/springs ....3
Rain water... 4
Gravity Flow schemes .. 5
Open water source .... 6
Water truck/water.... 7
vendor... 8
Others (specify) __. 9

SECTION K: HOUSEHOLD ASSETS AND FACILITIES

Now Id like to find out about the communication devices that you use or own.

K1 Please tell me which of the following equipment /services does this household own?
(INTERVIEWER, ASK FOR ONLY EQUIPMENT IN WORKING CONDITION-MULTIPLE RESPONSES)
K2 Which of these things do you use?
NK3 Which of the following do you currently have access to?
K1 K2 NK3
Yes No Yes No Yes No
i) Mobile Phone 1 2 1 2 1 2
ii) Telephone
B (land line) at home 1 2 1 2 1 2
iii) Telephone
C at a friend/work 1 2 1 2
iv) Radio 1 2 1 2 1 2
v) TV 1 2 1 2 1 2
vi) Personal
D computer at home or work or elsewhere 1 2 1 2 1 2
vii) E-mail
E at home or work or elsewhere 1 2 1 2 1 2
viii) A
F fax machine at home or work or elsewhere 1 2 1 2 1 2

K1/K2 TRANSPORT & COMMUNICATION: Which of the following Yes No

equipment /services does this household own? Motorcycle 1 2
Motor Vehicle 1 2
(INTERVIEWER, READ OUT OPTIONS, ASK FOR ONLY Bicycle 1 2
THOSE IN WORKING CONDITION-MULTIPLE RESPONSES)
Boat/Canoe 1 2
Donkey 1 2
2.13 Does this household own land? Yes...1
No...2 N3.1
2.14 Do you have land title for the land you own? Yes...1
No....2
K3 What type of ownership do you have for the land you own Customary/clan..1
Freehold..2
Mailo Land..3
Leasehold...4
Others Specify ...5

Page 9 of 37
 SECTION N3: WELFARE
N3.1 Does every member of the household have at least two sets of Yes....1
clothes? No.....2
N3.2 Yes....1
Does every child in this household (i.e. all those under 16 years)
have a blanket? No..2
No child in the household..3
N3.3 Does every member of the household have at least one pair of Yes....1
shoes? No.....2
N3.4 How many meals did household members have yesterday? One Meal.....1
(EXPLAIN WHAT IS A MEAL: MEALS INCLUDE BREAKFAST, Two Meals.......2
LUNCH, DINNER, SUPPER, EVENING TEA ETC) Three Meals....3
Four Meals .....4
Others (specify) .....5
N3.5 What is the average number of meals taken by household One Meal.....1
members per day in the last 7 days? Two Meals.......2
Three Meals....3
Four meals .....4
Others (specify) .....5
N3.6 What did you do when you last ran out of salt? Borrowed from neighbor....1
Bought......2
Did without......3
Have never run out of salt.....4
N3.7 Did every member of the household consume sugar during the Yes, all.........1
last 7 days/week? Yes, adults only .....2
Yes, children only......3
Yes, visitors only....4
None....5
N3.8 Are there children in this household that are below five or and Yes Under five only.1
children 5-13 years? Yes 5-13 only.2 N3.10
Yes Under five and 5-13 ..3
No..4 3.1
N3.9 What did children below 5 years (0-4 years) in this household Tea/Drink with sugar only; .....01
have for breakfast today? Milk/Milk tea with sugar; ....02
Tea/drink with sugar and solid
food....03
Porridge with sugar only..04
Porridge without sugar...05
Tea/drink without sugar with solid
food.06
Porridge with milk.....07
Solid food only..08
Nothing...09
Dont know.10
Others (specify) ...11
N3.10 What did children between 5 to 13 years in this household have Tea/Drink with sugar only; .01
for breakfast today? Milk/Milk tea with sugar; ....02
Tea/drink with sugar and solid
food....03
Porridge with sugar only..04
Porridge without sugar..05
Tea/drink without sugar with solid
food06
Porridge with milk....07
Solid food only.08
Nothing..09
Dont know.10
Others (specify) ...11

Page 10 of 37
 SECTION 3: PHYSICAL ACCESS TO AMENITIES

road (taxi, bus,

Other (Specify)
3.1 How do you usually get to the following places?

water eg boat,

Dont know
transport by

transport by

transport eg
boda boda,
(SINGLE MENTION-SPONTENEOUS RESPONSES)

Walk/Foot

bicycle

Private
Public

Public

ferry

car
i) Nearest health centre (eg. hospital, clinic, etc)
ii) Nearest market
iii) Nearest main road
iv) Nearest commercial bank
SKIP TO 3.4 . SKIP TO 3.3
v) Nearest semi-formal institution like MFIs, SACCOs etc
vi) Nearest informal financial institution (Asca, money lender,
ROSCA, savings club)
vii) A shop nearby
3.6 Why do you walk and not use public transport?

It is nearby I
do not need

transport is

transport is
not readily
ASK ONLY THOSE ONES WHO SAID THEY WALK/MOVE ON FOOT

expensive

transport

available

(Specify)
too risky
TO THE ABOVE PLACES

It is too

Public

Public

Other
(MULTIPLE MENTION FOR EACH POINT-SPONTENEOUS
RESPONES)
i) Nearest health centre (eg. hospital, clinic, etc)
ii) Nearest market
iii) Nearest main road
iv) Nearest commercial bank
v) Nearest semi-formal institution like MFIs, SACCOs etc
vi) Nearest informal financial institution (Asca, money lender,
ROSCA, savings club)
vii) A shop nearby

Page 11 of 37
3.4 How long does it usually take you to get there?

than

Over 12 hrs

Dont know
Over 3hrs-

Over 6hrs-

Over 9hrs-
1hr - 3hrs
(SINGLE MENTION-SPONTENEOUS RESPONSES)

12hrs
Less

6hrs

9hrs
1hr
i) Nearest health centre (eg. hospital, clinic, etc)
ii) Nearest market
iii) Nearest main road
iv) Nearest commercial bank
v) Nearest semi-formal institution like MFIs, SACCOs etc
vi) Nearest informal financial institution (Asca, money lender, ROSCA, savings club)
vii) A shop nearby
3.3 How far is it from this household to (in Kilometers):

i) Nearest health centre (eg. hospital, clinic, etc) KM

ii) Nearest market KM
iii) Nearest main road KM
iv) Nearest commercial bank KM
v) Nearest semi-formal institution like MFIs, SACCOs etc KM
vi) Nearest informal financial institution (Asca, money lender, ROSCA, savings club) KM
vii) A shop nearby KM
3.5

UGX 2,001 -

Dont know
UGX 1,001-

UGX10001-
How much do you usually spend to get there?

UGX5,001-
UGX 0-500

Refuse to
UGX 501-

answer
10,000

50,000
(INTERVIEWER, ASK ONLY THOSE WHO ARE USING PUBLIC TRANSPORT,

5,000
1,000

2,000
SINGLE MENTION-SPONTENEOUS RESPONSES)

i) Nearest health centre (eg. hospital, clinic, etc)

ii) Nearest market
iii) Nearest main road
iv) Nearest commercial bank
v) Nearest semi-formal institution like MFIs, SACCOs etc
vi) Nearest informal financial institution (Asca, money lender, ROSCA, savings club)
vii) A shop nearby

Page 12 of 37
 SECTION A: MONEY MATTERS, INCOME AND EXPENDITURE
Expenditure of the Respondent
A.1 What are the things that you spend on regularly? Food.............................A
School fees/tuition (including scholastic
(MULTIPLE RESPONSES, SPONTENEOUS) material) ......................B
Transport........C
Agricultural inputs.........D
Health care. .......E
Clothing........F
Electricity bills........G
Telephone bills.......H
Airtime..........I
Water bills...........J
Purchase of household appliance.......K
Entertainment (including alcohol) ...L
Rent bills. .......M
Pay back my loans.....N
Make deposits with my institution.......O
Big household appliance like refrigerator......P
Others (specify).................Y
NoneX A.3
A.2 And how do you usually pay for them (Main Mode of

Other (specify)
Bank transfers
Mobile money
Deposit in the
Payment)?

Debit Order
Credit Card
Direct cash

Debit card
Electronic
payment

Transfer
(SINGLE MENTION)

In kind

bank
i. Food 1 2 3 4 5 6 7 8 9
ii. School fees/tuition (including scholastic material) 1 2 3 4 5 6 7 8 9
iii. Transport 1 2 3 4 5 6 7 8 9
iv. Agricultural inputs 1 2 3 4 5 6 7 8 9
v. Health care. 1 2 3 4 5 6 7 8 9
vi. Clothing 1 2 3 4 5 6 7 8 9
vii. Electricity bills 1 2 3 4 5 6 7 8 9
viii. Telephone bills 1 2 3 4 5 6 7 8 9
ix. Airtime 1 2 3 4 5 6 7 8 9
x. Water bills 1 2 3 4 5 6 7 8 9
xi. Purchase of household appliance 1 2 3 4 5 6 7 8 9
xii. Entertainment (including alcohol) 1 2 3 4 5 6 7 8 9
xiii. Rent bills 1 2 3 4 5 6 7 8 9
xiv. Pay back my loans 1 2 3 4 5 6 7 8 9
xv. Make deposits with my institution 1 2 3 4 5 6 7 8 9
xvi. Bigger household appliance like refrigerators 1 2 3 4 5 6 7 8 9
xvii. Others (specify). 1 2 3 4 5 6 7 8 9

Page 13 of 37
 SOURCES OF INCOME
A.3 ASK ALL RESPONDENTS:
Different people get or earn income in different ways. Please tell me from which sources you receive income?
DONT READ OUT- (MULTIPLE MENTION POSSIBLE) (INTERVIEWER, PLEASE PROBE THE REPSONDENTS TO TELL YOU ALL SOURCES OF
INCOME EVEN IF THEY DO NOT WORK BUT RECEIVE MONEY FROM OTHER SOURCES eg. FAMILY MEMBERS, RELATIVES OR THEY GET MONEY
ONCE IN A WHILE FOR PERFORMING A TASK) ASK QN A5-A6 FOR EACH ITEM IN QN A3.
A.5 Approximately how often do you receive money from sources you have mentioned?
(SINGLE MENTION ONLY PER ITEM)
A.6 How do you receive the money?
(MULTIPLE RESPONSES POSSIBLE PER ITEM IN A3)
A.4 What is the main source of income?
(FOR ONLY THOSE WHO ANSWERED MORE THAN ONE SOURCE IN A3)
A3 A5 A6 A4

Seasonally

Bank draft
Irregularly

Institution

source of
Annually
Sources

Monthly

Cheque

income
Weekly

In-kind

Mobile
Money
Cash
Daily

Main
1. Pension
2. Depend on spouse to give me money
3. Any other household member (e.g. parent, child etc) pays my
expenses
4. Money from friends (not members of the family)
5. Sell produce from own farm (Cash crops - coffee, tea, pyrethrum,
cotton, trees)
6. Sell produce from own farm (food crops- beans, maize, cassava,
etc).
7. Sell product from own livestock (e.g. eggs, milk, hides, skins)
8. Sell own livestock (goat, sheep, cattle, chicken)
9. Fishing - catching, rearing and selling fish
10. Trading in agricultural produce bought from others like crops
11. Trading in livestock products like chicken, eggs, milk, bought from
others
12. Trading in fish bought from others
13. Working on other people's farms
14. Working in other people's homes, doing domestic work
15. Working for an individual in a private business
16. Employed in the formal sector like in an office - public or private.
17. Running own business
18. Rent from properties including land
19. Investments like shares, stocks, bonds, securities
20. I do not get money
21. Other (Specify)

Page 14 of 37
NA7 What are this household's sources of earnings? Farming1
Self employment.......2
Wage employment....3
Transfers (pension, allowances,
social security benefits, remittances)
.........4
Profits and interest (Profits,
dividends, interest, royalties) ...5
Others (sp) ....8
Don't Know....9
J1 What is the household's most important source of Farming1
earnings? Self employment.......2
Wage employment....3
Transfers (pension, allowances,
social security benefits, NA9
remittances).4
Profits and interest (Profits,
dividends, interest, royalties) .....5
Others (sp) .8
Don't Know.....9
NA.8 What was your income from farming enterprises during the Less than 500,000........1
past 12 months? 500,001 - 1,000,000.........2
1,000,001- 5,000,000.......3
(SINGLE MENTION ONLY PER ITEM) 5,000,001 - 10,000,000..4
10,000,001 - 20,000,000......5
20,000,001 - 30,000,000..6
Over 30,000,001.......7
Don't engage in farming enterprises..8
None.....9
NA.9 What was your income from other economic activities Less than 500,000.......1
which are not farming activities in the past 12 months? 500,001 - 1,000,000.........2
1,000,001- 5,000,000...3
(SINGLE MENTION ONLY PER ITEM) 5,000,001 - 10,000,000..4
10,000,001 - 20,000,000.....5
20,000,001 - 30,000,000..6
Over 30,000,001...7
Don't engage in non- farming
enterprises8
None........9

SECTION 1: FINANCIAL DECISION MAKING

1.1 In different households, different people make decisions regarding finances. By this I mean
decisions including the purchasing of goods and services in this household and how/where to
save invest or spend their money. Do you make such kinds of decisions?
(READ OUT. SINGLE MENTION ONLY).
I AM INVOLVED IN MAKING DECISIONS
I make the decisions alone...............................................................................1
I make the decision in consultation with partner/spouse..................................2
I make the decision in consultation with other family or household members.3
I make decisions with extended family members.............................................4
I AM NOT INVOLVED IN MAKING DECISION IN THE HOUSEHOLD.
Household head makes the decision...............................................................1
Spouse (wife/husband) makes the decisions alone.........................................2
Parents/other elders in the family make the decision.....3
Children make the decisions .....................................................4
Other members (not listed) make decisions. ...................................................5

Page 15 of 37
 Section B Financial Savings and Investments
N QUESTIONS AND FILTERS CODING CATEGORIES SKIP TO
B1 I am going to read out a number of descriptionsPutting money in a special place or account for
people have given to define saving, which of the money to be safe1
these descriptions most closely matches your Putting money aside to stop it being spent
own definition of saving? Saving is......? immediately2
Planning spending so that money lasts through
(Read out statements or let respondent read the week or month ...3
.Single mention only). Putting money in an activity or somewhere so
that it can yield profits or returns......................4
B2 Regardless of which of those descriptions you Putting money in a special place or account for
think most closely matches your definition of the money to be safe..A
saving, which of these are you actually doing? Putting money aside to stop it being spent
immediately...B
(MULTIPLE RESPONSES) Planning spending so that money lasts through
the week or month ..C
Putting money in an activity or somewhere so
that it can yield profits or returns.....................D
NB3 Which mechanisms are you using to save? At home/Secrete Place......A
With a commercial bank.....B
(Multiple Responses) With a Microfinance Deposit-taking Institution
(MDI)......C
With a SACCO.....D
With a Microfinance Institution...E
With a VSLA.....F
With a ROSCA / merry-go-round......G
Mobile Money...H
By buying animals.I
By buying other assets....J
Other (specify) ________________________Y

NB4 If you saved 1,000 UGX every day, after one More than 300,000 UGX...........................1
year, would you have more than 300,000 UGX Less than 300,000 UGX........................2
or less than 300,000 UGX? Not sure.............3

Page 16 of 37
 Now we are going to talk about investing,
B10 Which investment options are you currently using? READ OUT THE LIST (MULTIPLE RESPONSES
POSSIBLE)
B11 Which investment options did you use in the past and stopped (MULTIPLE RESPONSES
POSSIBLE)
NB11b Why have you stopped using these investment options? (MULTIPLE RESPONSES POSSIBLE)
(PLEASE NOTE THAT CODES ARE BELOW THE TABLE)
B12a And which investment options are available in this area that you are currently not investing in?
(MULTIPLE RESPONSES POSSIBLE SPONTENOEUS RESONSES)
B12b Of the options that are available in your area that you are currently not using, please tell me the
reasons why you dont use them. (PLEASE NOTE THAT CODES ARE BELOW THE TABLE)
(MULTIPLE RESPONSES POSSIBLE)
B13b You said you have never saved or invested, please tell me the main reasons why you have not
invested (SAME CODES AS IN B12b)
B10 B11 NB11b B12a B12b B13b
i) Investment account in a financial institution
ii) Investment through an informal group
iii) A house/rooms/property that I can rent/hire out
iv) Farm land
v) Live stock e.g. cattle
vi) Keeping items like produce that you can sell later
vii) Buying farm input for use at a later date
viii) Existing personal business
ix) Starting a new business
x) Money lending for profit/interest
xi) Treasury bills
xii) Treasury bonds
xiii) Corporate bonds
xiv) Shares listed on the Uganda Stock Exchange
xv) Mobile Money Services
xvi) Other (specify)

Codes for NB11b

1. Lost money in it before 2. New avenues e.g.mobile Money services
3. Unfavorable Policies 4. Affected by corruption
5. Affected by inflation 6. Other (specify)

Codes for B12b & B13b

1. Lost money in investment scheme(s) before 2. I do not have adequate knowledge about savings
3. I have no money to invest 4. I do not benefit from investments
5. My family is not in the habit of investing 6. My family would not approve
7. Other (specify)..

Page 17 of 37
B8 Many people have different reasons why they For meeting household basic needs such as
keep money aside or save, for what reasons are food, clothing, health services, etc....A
you CURRENTLY saving/investing money? For emergency (burial, medical) ...B
For social reasons (wedding, bride price). ..C
(MULTIPLE RESPONSES)
For purchasing/building a house to rent outD
For buying land.....E
For purchase of livestock /cattle....F
For purchase and rearing of poultry.G
For agricultural implements - plough, hoe,
tractor, things to use on the farm......H
For fishing equipment - boat, nets, engineI
For starting or expanding your business...J
For using later in life/old age......K
For education of self........L
For education of children or siblings or othersM
To be able to leave something for my children...N
To be able to borrow money......O
To earn interest/ return on savings...P
To be able to transfer money....Q
To keep money safe....R
To prevent spouse or other relatives from
taking or spending the money...S
Saving for holiday.....T
Other specify.....Y
NB8 What are you doing for your retirement or old age I contribute to National Social Security Fund
planning? (NSSF).........................A
(MULTIPLE RESPONSES) I have educated my children.....B
I have got a life insurance policy..C
I am buying cows (or other livestock)..D
I am building myself houses to rent out...E
I have a public service pension.F
I contribute to another pension fundG
I have made financial investments and/or
savings......H
Other....... Y
Nothing.....X

Page 18 of 37
 Section C: Credit and Borrowing
N QUESTIONS AND FILTERS CODING CATEGORIES SKIP
C3 Have you borrowed or got money in the last 12 months to be paid Yes...........................1
back later? No......................................................2
C4 Have you borrowed or got goods on credit in the past 12 months? Yes...........................1
No......................................................2
C5 Have you been paying back money or goods during the past 12 Yes...........................1
months? No......................................................2
C6 Which of the following do you currently have from any financial institution, group or organization?
(READ OUT-MULTIPLE RESPONSES POSSIBLE)
C7 Which of the following did you have in any financial institution, group organization or place but stopped?
INTERVIEWER READ THOSE THAT THE RESPONDENT HAS NOT MENTIONED FOR CURRENT USE.
C8 Which of the following have you never had from any financial institution, group organization or place? THE
RESPONDENT HAS NEVER HAD ANY PRODUCT OR SERVICE. MULTIPLE RESPONSE POSSIBLE
C9 ASK ONLY THOSE WHO ARE CURRENTLY BORROWING OR HAVE A LOAN, REFER TO C6 .What is the source of the current
loan or credit? (MULTIPLE RESPONSES POSSIBLE)
C6 C7 C8 C9
Currently Previous Never Source of credit
have ly had had Code up to 3 options if possible
but
stopped

Personali) loan
Credit card
Overdraft
A mortgage or Lease
Hire purchase
Services obtained on credit for e.g. school, hospital
Goods obtained on credit e.g. from shop, agro vet,
wholesale.
Money owed to Money lenders
Money owed Family members
Money owed to friends who are not members of the
family.
Money from Employer
Others (specify)

(INTERVIEWER, FOR ALL THOSE WHO HAVE NEVER BORROWED, GO TO NC30)

Codes for C9
1 Commercial bank 9 Savings club
2 Credit Institutions 10 ROSCAs
3 MDI 11 Welfare fund
4 SACCOs 12 Investment club
5 NGOs 13 Burial societies
6 ASCAs 14 Others (specify)
7 MFIs
8 VSLAs

Page 19 of 37
C10 For those who are currently borrowing, is it easier for Yes No Dont
you to borrow with these institutions now than in 2009 know
(or three years ago? Commercial bank 1 2 3
Credit Institutions 1 2 3
MDI 1 2 3
SACCOs 1 2 3
NGOs 1 2 3
ASCAs 1 2 3
MFIs 1 2 3
VSLAs 1 2 3
Savings club 1 2 3
ROSCAs 1 2 3
Welfare fund 1 2 3
Investment club 1 2 3
Burial societies 1 2 3
Others (specify) 1 2 3
C13 For what reason (s) have you borrowed or taken your Agricultural production .A
current loan (CASH OR IN-KIND) Meeting day to day expenses e.g. foodB
Emergency (burial, medical,) ......................C
(MULTIPLE RESPONSES) To pay off own debts...................................D
Social reasons, wedding, travel, bride
price..E
For improving a house.................................F
Household assets or property other than a
car or Motorcycle.....................................G C18
For purchasing a car or motorcycle.............H
For purchasing land......................................I
For purchasing or building a house..............J
For education of self....................................K
For education of children or siblings or
others...........................................................L
For expanding my business /buy business
stock............................................................M
For starting a business................................N
Other (Specify..............................................Y
C16 What was the agricultural loan specifically used for? Buy agricultural land....A
Inputs (fertilizers, seeds, pesticide,
(MULTIPLE RESPONSES) insecticide, herbicide)..B
Buy livestock....C
Farm equipment (machinery, oxen,
tractors).D
Farm Labour.....J
Buy agricultural transport facility...K
Farm structures (farm house)....L
Others (specify) ......Y
C15 Was interest charged (for the agricultural loan) Yes......................................1
No................................................................2 NC19
NC16 How much interest per annum was/is being charged 0-9.9%.................................1
on the agricultural loan? 10.0-19.9%....................................................2
20.0%-29.9%................................................3
30+%.............................................................4
Charge was monthly (Specify) . 5
Not sure 6

Page 20 of 37
C18 In your opinion, on a scale of 1 to 5 where 1 is very Very affordable......1
affordable and 5 very expensive, how affordable was Affordable.......2
the most recent loan? Not affordable but also not expensive.......3
Expensive......4
Very expensive.....5
NC18 Thinking about the last time you took a loan (regardless of how long ago), did you read the contract
yourself or someone else read it for you? (ONE MENTION)
Read it myself....1
Someone read it for me....2
Neither read the contract nor got
someone else to read it.....................4
I can't remember....3 C17
NC19 Did you make sure that you understood all the terms Understood very well ......1
and conditions before you took the loan? Understood ....2
(SINGLE MENTION) Somewhat understood ....3
Did not understand ...4
Did not understand at all .....5
C17 What is the largest amount of loan you have ever Less than 500,000........1
taken? 500,001 - 1,000,000.....2
1,000,001 - 5,000,000......3
5,000,001 - 10,000,000....4
10,000,001 - 20,000,000......5
20,000,001 - 30,000,000......6
Over 30,000,001 - 40,000,000....7
40,000,001 - 50,000,000.....8
C21 Was collateral security required on the most recent Yes...................................1
loan? No.................................................................2 C26
C22 Probe fully to classify the type of institution used-refer to the definition sheet for institutions:
What form of security was required for you to get the most recent loan?
(MULTIPLE RESPONSES)
Institution
e.g.

A car or Motorcycle,

Machinery, tools (G)

with its logbook (F)
Household assets

Insurance policy (I)

cows, goats (D)
Land Title (B)

eg. bicycle

Shares (H)
Livestock

others
i) Commercial Bank 1 2 3 4 5 6 7 8
ii) MDI 1 2 3 4 5 6 7 8
iii) MFI 1 2 3 4 5 6 7 8
iv) SACCO 1 2 3 4 5 6 7 8
v) RSCA/VSLA 1 2 3 4 5 6 7 8
vi) Money Lender 1 2 3 4 5 6 7 8
vii) Employer 1 2 3 4 5 6 7 8
C26 How often were you supposed to pay back? Per week .....................1
(for the most recent loan) Per fortnight.....................2
Per month...........................3
Quarterly .. 4
Bi-annually ... 5
Per Annum......................... 6
Others (specify) ............................8

Page 21 of 37
NC26 How much were you paying periodically? Less than 50,000....................1
(for the most recent loan) 50,001 - 100,000.................2
100,001 - 5,00,000..............3
500,001 - 1,000,000............4
1,000,001 - 2,000,000.........5
2,000,001 - 3,000,000.............6
3,000,001 - 4,000,000....................7
4,000,001 - 5,000,000................8
C28 Have you ever lost your property or had your assets Yes.....................................1
seized as a result of a failure to repay your loan or as a No................................................................2 NC30
guarantor?
NC28 In what capacity Self........1
As guarantor.....2
Lost as next of Kin (Spouse, relative) ....3
NC29 Which institutions(s) did you lose your property and or Commercial bank......................A
assets to? MFI..........................................................B
(MULTIPLE RESPONSES) MDI.............................................................C
SACCO.......................................................D
Money Lender......E
VSLA......F
Employer...G
Other..Y
NC30 Have nowhere to get a loan from.......A
Give the reasons why you have never taken a loan.
Have no knowledge on loans......B
(MULTIPLE RESPONSES) Fear debts......C
Have never needed a loan.......D
ASK ONLY THOSE WHO HAVE NEVER TAKEN A Loans are too expensive......E
LOAN (REFER TO QUESTION C.3) There is no financial institution nearby.F
Spouse, parent, or family member would
not allow me.....G
I do not think I am credit worthy..... H
Lack security to offerI
I don't think I need to borrow. J
Bank policy (Under age<18 Overage>75)K
No Reason ............ X
Others (Specify)...... Y

Page 22 of 37
 SECTION D: PRODUCT PENETRATION (FORMAL/BANKING)
D.1 Concerning [product], do you currently use it or have such an account? (MULTIPLE RESPONSES. RECORD UNDER COLUMN D1).
D.2 Which financial Institutions are you currently using for the products that you are using currently? (INTERVIEWER RECORD THE CODES
FOR THE CORRESPONDING INSTITUTIONS IN THE PROVIDED SPACES AND FOR PRODUCTS AND SERVICES MENTIONED IN D1 ABOVE,
MULTIPLE RESPONSES POSSIBLE)
D.3 And what is the NAME of the financial institution where you are currently using this product? (INTERVIEWER RECORD THE CODES FOR
THE SEE NEXT PAGE FOR THE VARIOUS NAMES OF FORMALINSTITUTIONS, MULTIPLE RESPONSES POSSIBLE FOR EACH CATEGORY.
THE TRAINING GUIDE HAS OTHER CATEGORIES NAMES E,G SACCOS)
D.4 (IF NO, ASK) Concerning [product], have you used it before but stopped or had such an account? (MULTIPLE RESPONSES; RECORD
UNDER COLUMN D4)
D.5a Which product (s) have you never had or used because you are either not aware of them or you do not need them? (MULTIPLE
RESPONSES)
D.1 D.2 D.3 D.4 D.5a
Have Types of Name of Used to Dont have
institution institution have

Aware
aware

using
Dont
need
Not

not
1. Savings account 1 2 3 4 5
2. A fixed deposit account 1 2 3 4 5
3. A joint account 1 2 3 4 5
4. Current or cheque account 1 2 3 4 5
5. ATM card/Debit card 1 2 3 4 5
6. Credit card 1 2 3 4 5
7. An investment Account e.g. Shares Account 1 2 3 4 5
8. Personal loan 1 2 3 4 5
9. Overdraft 1 2 3 4 5
10. A mortgage or Lease 1 2 3 4 5
11. Home improvement Loan 1 2 3 4 5
12. Commercial Loan 1 2 3 4 5
13. Money transfer services (Western union, money gram) 1 2 3 4 5
14. Mobile banking (Day to day banking transactions NOT 1 2 3 4 5
just mere account opening e.g mobile van)
15. Cell phone banking (with a bank account) 1 2 3 4 5
16. Online banking 1 2 3 4 5
17. Other (Specify) 1 2 3 4 5

Page 23 of 37
Codes for D2
01 Commercial Bank 02 MDIs
03 MFIS 04 Credit institutions
05 SACCOS 06 Others

Codes for D3

COMERCIAL BANKS
01 ABC Capital Bank 14 Equity Bank
02 Bank of Africa 15 Fina Bank
03 Bank of Baroda 16 Global Trust Bank
04 Bank of India (Uganda) 17 Housing Finance Bank
05 Barclays Bank 18 Imperial Bank Uganda
06 Cairo International Bank 19 Kenya Commercial Bank
07 Centenary Bank 20 NC Bank Uganda
08 Citibank Uganda Limited 21 Orient Bank
09 Commercial Bank of Africa (Uganda) 22 Stanbic Bank
10 Crane Bank 23 Standard Chartered Bank
11 DFCU Bank 24 Tropical Bank
12 Diamond Trust Bank 25 United Bank for Africa
13 Ecobank Uganda
39 Other (specify)
MICRO FINANCE DEPOSIT TAKING INSTITUTIONS
41 FINCA Uganda Ltd 42 Pride Microfinance Ltd
43 Uganda Finance Trust Ltd 44 UGAFODE
49 Other (specify)

CREDIT INSTITUTIONS
51 Mercantile Credit 52 Post Bank Uganda Ltd
53 FAULU Uganda Ltd 54 Capital finance Corporation Ltd
59 Others (MFIs, SACCOs) Specify

Interviewer record if respondent is.

Currently banked -1 Must have at least one response have now (code -1(commercial Bank)) for any statement 1 to17 in D2 and the
rest go to D12

Page 24 of 37
D5b Which of the following transactions do you conduct for yourself normally at the Banking Hall, ATM or
Mobile Banking Point?

(MULTIPLE RESPONSES)
Banking Hall ATM Mobile Banking
a) Cash withdrawals
b) Cash deposits
c) Cheque deposits
d) Draw a cheque
e) Bank transfer
f) Internet banking
g) Cell phone banking
h) Money transfers between bank accounts
i) Credit card payments
j) Request information about my account
k) Apply for a new service e.g. taking a loan
l) Open an account for the first time
m) To receive money sent to me
n) To send money
o) Others (specify)

D6 The last time you visited the following service

Less than 5

Above 1 Hr
15-<30 Min

30-<60 Min
providers, how much time did you spend
5-<15 Min
Min.

i) Banking Hall 1 2 3 4 5
ii) ATM 1 2 3 4 5
iii) Mobile Banking Van 1 2 3 4 5
D12 There are many reasons why people dont have a Don't trust financial institutions ...A
bank account or bank cards, why dont you have a I use Mobile Money.......B
bank account? I use another persons accountC
I lost money to an institution before ...D
(ASK ONLY THOSE WITHOUT A BANK I cant afford costs of an account....E
ACCOUNT-MULTIPLE RESPONSES) I am not educated (cant use it)F
I dont have income...G
I dont have a job...H
I dont qualify...I
I dont understand how it works...J
I dont meet legal requirements...K
My spouse does not allow me.L
My religion does not allow me.M
Bank is far away from where I stayN
Other (Specify).......Y

Page 25 of 37
ND12 You said one of the reasons you dont have a bank On ATM...............................A
account is that you are using another persons Services in the Banking Hall.........................B
account, please tell me how you use that account Mobile van .................................C
(ASK ONLY THOSE WHO ANSWERED C IN D12 Others..........................................................Y
ABOVE-MULTIPLE RESPONSES)
ND13 Why do you use someone else's account/s?
(ASK ONLY THOSE WHO ANSWERED C IN D12 ABOVE-MULTIPLE RESPONSES)
Don't have identification...A
Don't know how to read and/or write..B
Spouse or partner does not allow me to
open own account ..C
Don't have money to open or maintain my
own account ..D
It's cheaper to use someone else's
Account.. E
Others specify...Y

SECTION L: ACCESS TO AND UTILIZATION OF MOBILE MONEY SERVICES

The next questions are about Mobile Money access and utilization
NL1 Do you know about Mobile Money? Yes.....1
No...2 F1
NL2 Are you a registered mobile money user on any mobile Yes.....1 NL4
network? No..2
NL3 Are you currently using another persons mobile money Yes...1
account? No.2
NL4 Please tell me your Mobile Money Service Provider MTN........A
(MULTIPLE RESPONSES POSSIBLE) Warid Pesa.B
M Sente..C
Airtel Money...D
Orange Money...E
M PesaF
Other (specify)...G
NL5 AS IF THE RESPONDENT MENTIONS MORE THAN ONE SERVICE PROVIDER: CHECK IF
MORE THAN ONE CIRCLED IN NL4
Why do you choose to have more than one Mobile Money Account?
I have more than one network line....1
One account is more affected by network
problems.2
Others (specify).3
NL6 Which of the following transactions do you conduct for Cash withdrawals..A
yourself normally at the Mobile money point? Cash deposits....B
Cash Transfer...C
(MULTIPLE RESPONSES) School Fees Payment .... D
Utility payments (Water, Power, TV) .E
Purchase of air time.... F
Western Union G
Mobile Banking .. H
Payment for goods and services .. I
To send money..N
Receive money O
Currently not using it.P
Receiving wages/salariesQ
Others (Specify) .. Y

Page 26 of 37
NL7 The last time you visited a Mobile Money Service Less than 5 Min..1
provider, how much time did you spend to get the 5-<15 Min....2
service? 15-<30 Min..3
30-<60 Min..4
Above 1 hr..5
NL8 Please tell me the reasons as to why you use mobile It is the only one accessible in the areaA
money services It is cheap..........B
(MULTIPLE RESPONSES) It is convenient (takes less time)....C
Suitable for clearing bills..D
NL9 Please tell me the reasons why you are not utilizing mobile money services
(MULTIPLE RESPONSES)
I dont have enough information about it..A
Don't trust telecom companies .B
I lost money to a mobile provider before .C
I cant afford costs of Mobile Money.D
I am not educated (cant use it)..E
I dont have money to send or receive..F
I dont meet legal requirements.G
My spouse does not allow meH
My religion does not allow me.....I
There are no mobile money dealers in my
area.J
Dont have a sim card..K
Dont have a cell phone...L
Have stopped using mobile money..M
I have not thought of itN
Nothing specificO
Other (Specify)........Y

SECTION F: RISK MANAGEMENT AND INSURANCE

F1 I am going to read you a number of statements about
managing risks. Please tell me which of these is true or
false. (MULTIPLE MENTIONS POSSIBLE) True (1) False (2) Not Sure (3)
i. Having insurance protects you when you have a problem 1 2 3
ii. Insurance is only for rich people. 1 2 3
iii. Insurance is a way of saving on a long term basis 1 2 3
iv. Insurance is a government tax 1 2 3
v. Insurance is only for employed people 1 2 3

F2 During the last 12 months, has your household Fire..A

experienced any of these events, which have Floods.B
negatively affected your income or wealth? TheftC
Demolition..D
(MULTIPLE RESPONSES) Drought...E
Illness of family member..F
Death of family member/relative....G
Lightening/Thunder...H
Death of livestock..I
Crop/livestock diseases outbreaks..J
Price fluctuationsK
Other (specify)...Y
NoneL
Dont know..X F5

Page 27 of 37
NF3 ASK FOR EACH ITEM THAT THE RESPONDENT Sell assets e.g. land, livestock.A
MENTIONED IN F2. IF "NONE" MENTIONED IN F2 Borrow from a formal financial institution...B
GO TO. F5. Borrow from an informal organization....C
For the risks that you have mentioned above, how did Borrow from friends and family...D
you deal with them financially? Did you...? Take an advance salary from employer..E
(MULTIPLE RESPONSES) Borrow from a money lender (Kafuna)F
Seek donations from neighbors relatives and
friends........G
Claim from your insurance company .J
Reduce consumption....K
Other (Specify)..Y
F5 Are you currently using any formal insurance services Yes1
e.g. an insurance company? No, used to have....2
No, never used...3 F10
F6 From whom did you buy the (CURRENT) policy? An independent broker..1
An agent..2
From a branch of insurance company3
Other outlet (Specify) 4
NF7 In the last 12 months, have you used any of the Pension Scheme .. A
following insurance services Life Insurance ... B
(MULTIPLE RESPONSES) Deposit insurance fund ....C
Medical insurance .D
Motor third party E
Motor comprehensive .. F
Loan Protection .G
Trading goods insurance .H
Crop/livestock protection insurance..I
Others Specify ..Y
NF8 ASK ONLY THOSE WHO HAVE ANY SERVICES AND PRODUCTS WITH ANY INSTITUTION.

Have you experienced any of the following loses from the above insurance services?
Yes No
i. Lost money through theft or fraud 1 2
ii. Non compliance of members (pulling out, non-payments 1 2
iii. Death of members 1 2
iv. Officials elected in a manner that was not transparent 1 2
v. Governance problems (Poor administration, lack of transparency) 1 2
vi. Misuse of money by officials 1 2
vii. Bad investment of funds. 1 2
viii. Poor service with the bank or financial institution which serves the institution. 1 2
ix. Other (specify). 1 2
NF9 Have you ever (PERSONALLY) made an insurance Yes......................................1
claim in your life before? No.................................................................2 F10
F8 Thinking back to your last claim, in your opinion, was Yes......................................1
the claim processed within an acceptable time? No.................................................................2
F9 About how long did it take to get the claim settled (in 1- 2 weeks.....1
months/weeks/days)? 3-4 weeks..2
Over a month .......3

Page 28 of 37
F10 (Even if you have not used the services), Guard against unlikely events or
What would you consider as the main benefit of taking uncertainties.1
on insurance? Prestige/Status symbol in society......2
To have a peace of mind.3
Prevent financial losses...4
Look after my family.......................5
Others specify...6
NF10 Why have you never used any formal insurance Don't want it.....A
services (e.g an insurance company)? Can't afford it... B
Don't know about insurance or how it works.. C
(ASK ONLY THOSE THAT DIDNT SELECT OPTIONS Don't know how to go about buying
A - I IN QUESTION NF7-MULTIPLE RESPONSES) insurance.. D
Some insurance companies con people of
their money...E
Don't know how to find out where to buy
insurance from.........F
Never thought about insurance.G
Don't believe in insurance..........H
They don't pay enough compensation to the
insured.....I
Insurers do not pay compensation to the
Insured...J
Too long claim processes . K
Other (SPECIFY).....Y
INFORMAL INSURANCE MECHANISMS
F11 Are you a member of an informal insurance group like Yes....................................1
Burial society? No................................................................2 NF17
NF12 How many such groups or organizations do you belong
to? ..
NF13 IF RESPONDENT BELONGS TO MULTIPLE
GROUPS, CONFIRM THEIR PRINCIPAL GROUP AND
ASK: ..
What is the name of the main informal group that you
belong to?
NF14 Please tell me, which of the following does your principal/ main group that we have been talking about
have. (READ OUT LIST)
Yes No Dont
Know
i. A bank account 1 2 8
ii. A certificate of registration 1 2 8
NF15 For the principal/main group that you said you belong to, has it ever experienced any of the following?
Yes No Dont
Know
i. Lost money through theft or fraud from a committee member 1 2 8
ii. Members pulling out 1 2 8
iii. Members not paying contributions 1 2 8
iv. Death of many members 1 2 8
v. Poor administration. 1 2 8
vi. Dishonesty by members causing loss of money 1 2 8

Page 29 of 37
NF16 SINGLE MENTION ONLY. INTERVIEWER: ONLY Ushs 0-500....1
MONETARY CONTRIBUTIONS ARE CONSIDERED Ushs.501-1000.....2
AND NOT IN-KIND CONTRIBUTIONS. IN CASE ONE Ushs.1,001- 2,000....3
CONTRIBUTES BOTH IN CASH AND IN-KIND, ASK Ushs. 2,001 -5,000......4
ONLY FOR THE CASH CONTRIBUTION. Ushs.5,001 -10,000.....5
Ushs. 10,001 - 50,000..6
In total, how much money do you normally contribute to More than.50,000.....7
this principal/main group each month? Don't know....8

NF17 Why don't you belong to any group(s)?
(ASK ONLY THOSE THAT DONT BELONG TO ANY
INFORMAL GROUP)
F12 INTERVIEWER CHECK RESPONSE IN F5 IF Prefer informal group ..1
ANSWERED "NO " BUT ANSWERED "YES" IN F11
Ask, Why did you choose to become a member of an
informal group as opposed to a formal insurance company companies..4
e.g. NIC, AIG, SWICO etc?
I have account with a formal institution...1
I don't know about them..2
I don't have money..3
They are only for certain people....4
Other (Specify).....5
Easier to join informal group...2
Can't afford formal insurance..3
Have never heard about such
Don't have service nearby...5
Don't know how to go about buying
insurance....6
Some insurance companies con people
of their money......7
Costs outweigh the benefits....8
They don't pay enough compensation to
the insured.9
Insurers do not pay compensation to the
Insured..10
Other (Specify)....11

SECTION G: MONEY TRANSFER AND REMITTANCES

N QUESTIONS AND FILTERS CODING CATEGORIES SKIP
TO
G1 People use various methods to send and receive money from within and outside Uganda. In the past
12 months have you
YES NO
a) Sent money to anyone living within Uganda 1 2
b) Sent money to anyone living outside 1 2 NG1
Uganda
G5 Which of the following channels have you ever used to Cash with a relative/friend..A
send money? By Bank... B
Mobile Money.. C
(MULTIPLE RESPONSES POSSIBLE) Through air time.. D
Electronic transfers. E
Western Union. F
Money gram. G
Other (specify)..Y
G8 How often do you send money outside your At least once a week.1
household? Once a month2
Quarterly.3
Bi-annually..4
Annually..5
Dont know..6

Page 30 of 37
 N QUESTIONS AND FILTERS CODING CATEGORIES SKIP
TO

NG1 In the past 12 months, have you: YES NO

a) Received money from anyone living within Uganda 1 2
b) Received money from anyone living outside If No skip to N1.1
Uganda 1 2 N1.1
NG2 How often do you receive money from outside your At least once a week.1
household? Once a month2
Quarterly.3
Bi-annually..4
Annually..5
Dont know..6
NG3 How do you usually receive money from outside your Cash with a relative/friend..A
household? By Bank... B
Mobile Money.. C
(MULTIPLE RESPONSES POSSIBLE) Through air time.. D
Electronic transfers. E
Western Union. F
Money gram. G
Other (specify)..Y
NG4 When you received the money what did you use it for? Home consumption (e.g. Food, clothing,
(Home consumption, child care, travel, farming, etc) rent).A
Child Care......B
(PLEASE READ OUT THE RESPONSES-MULTIPLE Child Education ....C
RESPONSES POSSIBLE) Transport fees..............D
Farming......E
Business start up .....G
Business expansion..H
Home improvement ...I
Emergencies......J
Others ....Y
G9 Thinking about the last time you received money; did Own use..1
you receive it for yourself or on behalf of another Another person..2
person? Both.3
SECTION N1: FINANCIAL LITERACY
N1.1 What are your sources of information about financial Radio......A
matters? Television.......B
News papers..C
(MULTIPLE RESPONSES POSSIBLE) Friends and relatives.....D
Colleagues at work...E
Church/mosque ........F
My bank.............G
Insurance companies.......H
SACCO...........I
Internet....J
Employer....K
Dont have access to such information...X N1.3
Other (specify....Y

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N1.2 Of those mentioned above, which is the main source? Radio......01
Television......02
(SINGLE MENTION) Newspapers......03
Friends and relatives.......04
Colleagues at work......05
Church/mosque....06
My bank............07
Insurance companies.....08
SACCO.........09
Internet......10
Employer...11
N1.3 What sort of information regarding financial matters Savings...A
would you like to get from your sources? Investments....B
Opening up an account.C
(MULTIPLE RESPONSES POSSIBLE) Insurance...........D
How to budget........E
Others (specify)..F

N1.5 If you were offered a loan with 5% monthly interest rate and a loan with 20% annual interest rate,
which loan would offer better value?
5% monthly interest rate...........1
20% annual interest rate...2
Not sure...........3
N1.6 If the same bicycle is on sale in two different shops at A discount of 30,000 UGX...1
200,000 UGX and one shop offered a discount of A discount of 10%..........................................2
30,000 UGX and the other shop offered a 10% Not sure......3
discount: which one is the better bargain?
N1.7 What happens to people who take a loan and do not Nothing........1
pay back? Gets warning......2
The creditor take away loan security...3
[PROBE: WHAT ELSE? DO NOT PROMPT USING Not sure...4
THE CODES BELOW] Imprisonment..5
Other (specify).6
N1.8 You want to borrow Shs. 500.000/= from a M1.....1
moneylender (M1). He says that you can get it but you M2.....2
must pay him 600.000 in a month. Another I don't know..3
moneylender (M2) says you have to pay 500.000
back plus 15% interest in a month. Which one do you
take?
N1.9 Have you ever been dissatisfied with a financial Yes......................................1
service provider (e.g. because you were treated No..................................................................2
unfairly, you lost your money)?
N1.10 In case you are dissatisfied with a financial service provider, do you think that:
Yes No
a) You have a real chance of getting the complaint 1 2
resolved
b) The financial service provider is more powerful than 1 2
you, the complaint therefore will not lead to anything

Page 32 of 37
N1.11 Where do you go when you have a complaint? The Institution providing the service ......A
(MULTIPLE RESPONSES) Bank of Uganda.....B
Other financial sector bodies (AMFIU,CMA)..C
The police.......D
LC .. E
NONE ... X
Other (specify)....Y
N1.12 Would you feel more confident in your dealings with Yes.......................................1
financial service providers if there was an No..................................................................2
independent body which can resolve complaints?
N1.13 Are self-service channels such as ATMs available Yes.......................................1
when you need to use them? No..................................................................2
N1.14 Do you think financial institutions provide you with Yes.......................................1
enough information on how to safeguard your No..................................................................2
Payment instruments such as cheque books, pass
books, ATM cards or PIN numbers?
N1.15 Does your financial institution have a hotline (toll-free Yes.......................................1
number) so that you can call to report stolen No..................................................................2
instruments? Dont Know..3

Transparency
Yes.......................................1
N1.16 Do you feel that the information on financial products
or services bought recently was provided to you in aNo..................................................................2
clear and easily understandable manner? Dont know/ have any financial products3
N1.17 Do you trust financial services advertising? Yes.......................................1
No..................................................................2
N1.18 Have you ever taken a financial product/service and Yes.......................................1
were later on surprised about the fees/charges No..................................................................2
associated to that product? Cannot remember......3
N1.19 ASK THOSE SAID YES IN N1.19. Were you ever Yes............................1
informed of changes to fees/charges of financial No.................................................................2
product/services? Cant recall/dont know..3
N1 20 IF YES IN N1.19: was the information provided to you Yes.......................................1
in a language you understand? No..................................................................2
N1 21 Was information provided to you in a language you Yes.......................................1
understand? No.................................................................2
N1.22 How was the information communicated to you Verbally........................1
Written document.........................................2
Other (specify).3
N1.23 IF NO IN N1.20 ASK: What would you like to be New fees/charges...1
informed on? When it would start.2
Give me options on payment3
Fees and charges related to financial
products4
Terms and conditions of financial products5
Other (specify).6
N1.24 Ask those said no in N1.17. What was the reason Small font.....1
that the information was not understandable? Crucial elements of information were not
disclosed in prominent places..2
Use of difficult language....3
Not provided in language I understand...4
I cannot read and the information was not
explained to me orally.......5
Other (specify).6

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N1.25 Before you do or engage in any financial transaction Always...................1
do you budget? Sometimes....................................................2
Never....3
N1.26 Do you know how much money you spent personally Yes, exactly..................................................1
in the last 7 days? Yes, I have a rough idea.............2
No..3
No expense.4
N1.27 Do you keep track of money you get and spend? Always......1
Sometimes......2
Never....3
N1.28 How often do you have enough money left after Always......1
covering all your spending needs? Sometimes......2
Never....3 N1.31
N1.30 If always/sometimes ask: What do you do with any Save/keep money for unforeseen things,
money you have left over (MULTIPLE RESPONSES emergencies, medical fees...A
POSSIBLE)? Save/keep money to cover fluctuations in
income.....B
[Probe: What else? Do NOT prompt using the codes Save/keep money for food and other
below] necessary items....C
Save/keep money for a known major
expenditure.D
Invest money in business....E
Invest money in assets..F
Spend money on non-essentials (eg
computer games, partying/going out, alcohol,
cigarettes, hair)..G
Lend it to others....H
Repay debts.I
Other (specify)....Y
N1.31 Do you feel that financial institutions treat you fairly? Yes.............................1
No.................................................................2
Dont know...3
N1.32 Have you ever been threatened, or treated in a Yes.............................1
violent, humiliating manner by a financial service No..................................................................2
provider? N/A/never used...3
N1.33 Have you ever been taken advantage of or misguided Yes............................1
by a financial service provider? No.................................................................2
Never used..3
N1.34 Have you ever been sold a financial product and later Yes............................1
on noticed that it was not in your best interest to take No.................................................................2
it? Never used..3
N1.35 Have you ever been sold a loan without the financial Yes.............................1
service provider assessing your capability of paying No..................................................................2
back the loan?
N1.37 When buying a financial product, have you ever been Yes.............................1
required to buy an additional financial product from a No.................................................................2
specified provider? Cannot remember

Page 34 of 37
SECTION H: KNOWLEDGE, ATTITUDES AND PRACTICES (PSYCHOGRAPHIC QUESTIONS)

READ OUT STATEMENTS ONE AT A TIME. CIRCLE APPROPRIATELY

N81 Please tell me which of the following statements apply to you

Yes No
i. I try to save regularly 1 2
ii. I prefer to save where my money is safe, even if the interest rate or return is a 1 2
little lower
iii. I am saving for something specific, such as land, a house, a car, an appliance 1 2
or furniture
iv. I go without basic things so that I can save 1 2
v. I change where I invest my money to ensure the best returns or yields. 1 2
vi. I have a good idea of what interest/returns I get on the money I save 1 2
vii. I think it is very hard to get a loan these days 1 2
viii. I would not be able to feed my family without credit/taking a loan 1 2
ix. I like carrying cash 1 2
x. I know a lot about money and finances 1 2
xi. When I make financial decisions, I like to get advice from family/friends 1 2
xii. Having a bank account makes it easier for me to get credit and other financial 1 2
services
xiii. I am worried that I won't have enough money for old age 1 2
xiv. I am satisfied with the little I have and focus on how to use it properly 1 2

Page 35 of 37
H4 I am going to read out some statements. Tell me the level to which you agree

Disagree
disagree
(Neutral)
Strongly

Strongly
or disagree with them

Neither

answer
Agree
agree

know
Don't
READ OUT STATEMENTS ONE AT A TIME

nor

No
i. If the government lends to my financial institution and I get a loan then I think 1 2 3 4 5 8 9
I don't need to pay back the loan
ii. I try to avoid taking loans as much as possible 1 2 3 4 5 8 9
iii. I trust my own experience/knowledge rather than the advice of others when 1 2 3 4 5 8 9
it comes to money
iv. I often think I would like to start my own business but I can't get enough 1 2 3 4 5 8 9
money together to do this
v. I use credit to get money to spend on non-essential shopping... 1 2 3 4 5 8 9
vi. My financial institution gives me status in the eyes of my friends and family 1 2 3 4 5 8 9
members
vii. Small loans help people get out of poverty 1 2 3 4 5 8 9
N83 Please tell me the extent to which you agree or disagree with the

agree nor

Disagree
disagree
Strongly
following statements?

Neither

answer
Agree

Agree

know
Don't

No
i. When you buy on credit the goods end up being more expensive than they 1 2 3 4 5 8 9
would be if bought on cash
ii. Borrowing money is a bad habit 1 2 3 4 5 8 9
iii. When you borrow money it is okay to pay a little later than agreed 1 2 3 4 5 8 9
iv. It is okay to borrow money and pay it back in full 1 2 3 4 5 8 9
v. You know how much interest you pay when you get credit that you pay back 1 2 3 4 5 8 9
with interest
vi. It is embarrassing to borrow money or buy goods on credit 1 2 3 4 5 8 9
vii. Borrowing money is a risky business 1 2 3 4 5 8 9
viii. I can only consider borrowing if it is an emergency 1 2 3 4 5 8 9
ix. It is better to remain in debt than sell something to pay the debt 1 2 3 4 5 8 9

Page 36 of 37
N84 State your opinion concerning the lending behaviour of a list of financial institutions on;
(MULTIPLE RESPONSES)

Commerc
ial Banks

Other (Y)
VSLA (F)
SACCO
MDI (B)

MFI (C)

Lender
Money
(A)

(D)

(E)
i) Their interest rate is high A B C D E F Y
ii) Their grace period is short to start repaying the loan A B C D E F Y
iii) I can trust this institution
iv) Their repayment schedule is not convenient A B C D E F Y
v) Their collateral security is not affordable A B C D E F Y
vi) They require a lot of documentation before getting the loan A B C D E F Y
vii) They provide services in unsafe places A B C D E F Y
viii) They have poor customer care A B C D E F Y
ix) I don't understand their contracts A B C D E F Y
x) I was asked to pay unofficial charges by the staff A B C D E F Y
xi) Getting a loan takes a lot of time A B C D E F Y

Check box

Before leaving the respondent, please check that

Checked
You have filled in all the relevant parts of the questionnaire Yes No
All skips have been properly followed Yes No
Thank you for your cooperation and time

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