Financial Services for the Poor: Exploratory Research Questionnaire
Research International East Africa Ltd.
P.O. Box 72951 Tel. 530536, 533848, 533888, 532993
FSP Exploratory Research Questionnaire
NOVEMBER/ DECEMBER 1999
SECTION A. DETAILS OF THE RESPONDENT (Q) - GUIDELINES
FIRST, INTRODUCE YOURSELF AND CHECK THE Jali kutupatia muda huo?
IDENTITY OF THE RESPONDENT
My name is ___________ from Research International. IF RESPONDENT REFUSES, FILL OUT AS MUCH
Research International conducts research into people’s OF THE INFORMATION BELOW ON AS POSSIBLE
views and how they live. We are an independent company
and do work for all sorts of different companies about many
AND CODE ACHIEVEMENT STATUS AS
different products and services. Our aim is to find out how ‘REFUSED’. THEN MOVE TO NEXT RESPONDENT
products and services people use can be improved through ON LIST
better understanding
of people’s lives. THIRD, ESTABLISH SOME GROUND RULES FOR
THE INTERVIEW
Jina langu ni _____________ kutoka shirika la
utafiti la kimataifa hufanya utafiti katika maoni ya watu na Before we start, I just wanted to explain to you that we
vile wanovyoishi. Sisi ni kampuni ya kipekee na linafanya are interested in your open and honest opinion about
utafitit kwa niaba ya makampuni kwa bidha mbalimbali na
huduma. shabaha yetu ni ugunduzi wa matumizi ya bidhaa
things. There are no right or wrong answers - I am not
na huduma zake, ambazo watu hutumia na vile from a particular organization and so do not mind what
marekebisho yaweza kufanywa kupitia kuelewa kuzuri kwa you say. All the information you give will be in strict
maisha ya watu. confidence. When we write the report we will be
analyzing the information from each individual
TO ASCERTAIN IF THE CORRECT RESPONDENT HAS together and nobody will be mentioned by name.
BEEN IDENTIFIED, ASK IF THEY HAVE BEEN A CLIENT
OF THE SELECTED MFI. Kabla ya kuanza ningependa kukuelezea kwamba
tunahitaji maoni yako juu ya mambo bila jambo lolote.
FOR RESPONDENTS WHO HAVE BEEN IDENTIFIED
Hakuna majibu sahihi au yasiyo sahihi. Sijatoka kwa
OUT OF THE LIST OF THOSE INTERVIEWED
PREVIOUSLY UNDER REME, THEN CHECK WHETHER shirika fulani kwa hivyo usijali kuhusu unayo ya sema.
THE PERSON CAN RECALL THIS INTERVIEW. Habari yote unayosema itafadhiwa vilivyo.
Tutakapoandika ripoti tutakuwa tukiorodhesha habari
IF RESPONSES ARE NOT AS EXPECTED THEN PROBE kutoka kwa kila mmoja pamoja na hakuna yeyote
THOROUGHLY, CHECK THE NAME ON LIST AGAIN AND atakayetajwa kwa jina lake.
SEE IF YOU CAN FIND THE PERSON WHO WAS
INTERVIEWED PREVIOUSLY
IF YOU CANNOT FIND THE CORRECT PERSON OR A
CLOSE RELATIVE OR COLLEAGUE WHO IS ABLE TO
RESPOND ON THEIR BEHALF, THEN FILL OUT AS
MUCH OF SECTION A AS POSSIBLE, SELECT A FRESH
QUESTIONNAIRE AND MOVE TO THE NEXT PERSON
ON YOUR LIST
SECOND, EXPLAIN THE PURPOSE OF THE INTERVIEW
Today we are conducting a follow-up interview to see how
things may or may not have changed within your household.
We will be recording information about your household and
asking your opinion on different things. Would you mind
spending some time with us?
IF RESPONDENT SAYS IT IS NOT CONVENIENT,
REARRANGE A CONVENIENT TIME.
Leo hii twafanya mkondo wa pili wa mahojiano
Kufuatia ule wa awali, kuona namna vitu
Vyaweza au viliweza badilika nyumbani mwako
Tutarekodi habari kuhusu nyumba yako na
Kukuuliza maoni yako kwa vitu kadha. Je, uta
1
Financial Services for the Poor Exploratory Research Questionnaire RI/2736
SECTION A. DETAILS OF RESPONDENT (Q)
Interviewer name _________________ A5 CLIENT OF WHICH MFI
Note Taker’s Name _________________ Faulu --------------------------------- 1
Respondent’s name _________________ K-REP [BANK] ---------------------- 2
KWFT ---------------------------------- 3
District___________________________ CO0OP BANK ----------------------- 4
Town____________________________ WEDCO ------------------------------- 5
Division__________________________ K-REP [FSA/ NGO ----------------- 6
Location__________________________
Sub-Location______________________ A6 CODE OF REME QUESTIONNAIRE
Village/Street______________________
Location of house (describe in relation to obvious Enter 99 for respondents who were not
physical landmark) previously interviewed.
A7 INTERVAL BETWEEN THIS AND REME
INTERVIEW [MONTHS]
CHECKS
Field checks A8 MARITAL STATUS
Team Leader Supervisor Single ---------------------------------- 1
Questionnaire 1 4 Married -------------------------------- 2
Back-check 2 5 Separated ---------------------------- 3
Accompany 3 6 Divorced/Widowed ----------------- 4
A9 EDUCATIONAL ACHIEVEMENT
TIMING
What is the highest level of education you
Start time of interview______________
have achieved?
End time of interview_______________
Total duration (minutes)
No formal education ................................. 01
Some primary (less than Std 7/8) ............. 02
Complete primary (STD 7/8) .................... 03
Some secondary (Form 1-4) ................... 04
Complete 0-level (Form 4) ....................... 05
GENDER Some high school (Form 5-6) ................... 06
Male ------------------------------------------------1 Completed high school (Form 6) ............. 07
Female---------------------------------------------2 Some college (Dip/Cert.) ......................... 08
Completed college (Dip/Cert.) ................. 09
AGE Some University ...................................... 10
What is your age? Completed university ............................... 11
Other WRITE IN ...................................... 12
If respondent does not know age estimate or code
00 A 10 INTERVIEW ACHIEVEMENT STATUS
A3 locality Successful interview with respondent ......... 1
Urban ................................................. 1 Successful interview completed with close
Rural ................................................... 2 relative/ colleague of respondent ............... 2
Refused interview ....................................... 3
A4 REGION/PROVINCE Unable to locate respondent ...................... 4
Western/Nyanza.................................. 1
Mt. Kenya ............................................ 2 A11 EXPLAIN HERE THE REASONS FOR
Northern ............................................. 3 BEING UNABLE TO LOCATE
Coast................................................... 4 RESPONDENT
Nairobi................................................. 5
I certify that this interview was carried out in accordance with the briefing I received and that the answers represent a true and
accurate record of the responses given by the respondent named above
Signature ........................................................... Date……………………………………………
1
Financial Services for the Poor Exploratory Research - Questionnaire
SECTION B - HOUSEHOLD & LIVELIHOOD DYNAMICS (N) - GUIDELINES
FIRST OBTAIN PERMISSION TO USE A TAPE
RECORDER B3. What is your current source of income? How
My colleague__________(NAME) is here to take has this changed over the last two years? For
notes, but in case he misses something, he would example, has the number of people working in your
like to tape record the interview. Would you mind? business changed?
Mwenzangu kwa Jina____ yu hapa ku nakili lakini B4. What other sources of income are important to
iwapo atakosea chochote, angapenda kuchukua you and your household? How have these changed
ukanda wa mahojiano haya. Je, utajali? over the last two years?
IF RESPONDENT REFUSES, OR IF TAPE B5. What have been the most important changes in
RECORDER IS COMPROMISING ANSWERS your standard of living (and that of your household)
CONTINUE INTERVIEW WITH NOTE TAKING during the last two years? Why did these things
ONLY. happen? How have you adjusted to them?
AIM OF THE SECTION FOR POSITIVE SHOCKS, FIND OUT HOW
To obtain information from the respondents' own EXTRA INCOME WAS SPENT. FOR NEGATIVE
perspective on the following. SHOCKS, FIND OUT WHAT COPING
The current composition of their household STRATEGIES WERE USED. TAKE CARE TO
Any other people that they depend upon or are DISTINGUISH BETWEEN SHOCKS THAT WERE
dependent upon them PERMANENT AND THOSE THAT WERE
How the above has changed in the last two years TEMPORARY.
How this has changed in the last two years
How the standard of living of the respondent and
their household has changed in the last two
years and why
NOTE THAT WHERE PEOPLE CLEARLY RECALL
THE EARLIER REME INTERVIEW THEN YOU
CAN SUBSTITUTE 'SINCE YOU WERE LAST
INTERVIEWED ' FOR 'DURING THE LAST TWO
YEARS'
IF THIS INFORMATION CAN BE OBTAINED
WITHOUT MUCH PROMPTING BETTER - AS IT
REVEALS HOW RESPONDENTS PERCEIVE THE
CHANGING LINK BETWEEN WORK, INCOME
AND WELL BEING. BUT WHERE NECESSARY,
THE FACILITATOR CAN USE SOME OR ALL OF
THE FOLLOWING PROMPTING QUESTIONS TO
KEEP THE CONVERSATION GOING AND TO
ENSURE THAT ALL THE INFORMATION ON IS
COVERED WHILE THIS HAPPENS, THE SCRIBE
SHOULD WRITE DOWN THE INFORMATION ON
THE FOLLOWING TWO PAGES. AT THE SAME
TIME, THEY MAY ALSO BE ABLE TO ANSWER
SOME OF THE SPECIFIC QUESTIONS IN
SECTION C.
B1. Just to start off, tell me a little bit about yourself,
and the people you live with.
Sas kwa kuanzia tu, niambie machache kukuhusu
wewe mwenyewe.
B2. Outside of your household are there any other
people that you currently support, or support you?
How has this changed over the last two years. For
example, has the number of people working in your
business changed?
Kando na familia yako, je kuna wayu ambao
hukutegemea au ambao unawaategemea? Hali hii
imebadiliaje miaka mbili iliyopita?Kwa mfano, watu
ambao hukufanyia kazi wameongezeka ama
wamepungua?
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SECTION C - DETAILS OF HOUSEHOLD COMPOSITION. INCOME & ASSETS
BUSINESS ACTIVITIES AND HOUSEHOLD EXPENDITURE [Q]
C 1.6 How many children are there aged
The aim of this section is to ensure that key facts
between 5 and 15 years old?
about the respondent’s household and livelihood
are recorded in a way that can easily be
Unao watoto wangapi baina ya miaka tano na
computerized. miaka kumi na tano?
IF THESE QUESTIONS GENERATE
IMPORTANT INFORMATION THAT CANNOT C1.7 How many children are there aged
BE FITTED INTO THE SPACE AVAILABLE, between 0 to 4 years old?
THEN ADD IT TO THE SPACE PROVIDED
FOR THE PREVIOUS SECTION. Kunao watoto wanagapi baina ya miaka sufuri
na miaka nne?
C1. HOUSEHOLD COMPOSITION
C1.1 How many people are there in your
household?
C2 INCOME SOURCES
INCLUDE THE RESPONDENT AND PEOPLE C2.1 Did any household member earn a regular
TEMPORARILY ABSENT wage or salary during the 12 months?
Ni watu wangapi wako kwa nyumba yako? Kuna mtu wa nyumba yako alitepata ujira
wowote au mshahara wa kila mwezi mwaka
uliopita?
C1.2 How many adult women are there aged Yes ...................................... 1
over 15 years old? No ........................................ 2
Not sure ............................... 3
INCLUDE THE RESPONDENT AND THOSE
TEMPORARILY ABSENT IF RELEVANT, C2.2 Did the household earn any income from
renting property or rooms during the 12
Ni wanawake wangapi wenye umri wa miaka months?
kumi na tano na zaidi?
Nyumba ilipata mapato yoyote kwa kukodisha
chochote au vyumba kwa miezi 12 iliyopita?
C1.3 How many adult men are there aged over Yes ...................................... 1
15 years old? No ........................................ 2
INCLUDE THE RESPONDENT AND THOSE Not sure ............................... 3
TEMPORARILY ABSENT IF RELEVANT.
C2.3Did the household get income from
Ni wanaume wangapi wenye umri wa miaka pensions savings or investments during the last
kumi na tano na zaidi? year?
Jamii yako ilipata mapato yoyote kutoka kwa
akiba ujira wa kustaafu katika miezi 12
C1.4 How many of these adults are currently iliyopita?
earning an income regularly or occasionally?
Yes ...................................... 1
Kwa hao wote ni wangapi wanaoleta mapato No ........................................ 2
nyumbani kila wakati au hata mara moja moja. Not sure ............................... 3
C 1.5 How many of them are retired or unable C2.4 Was there any other important source of
to work? income for your household in the last year that
we have not discussed? If yes, please specify.
Ni wangapi kati yao wamestaafu au hawawezi
kufanya kazi? Je ukiangalia mwka ulioita kunayo njia muhimu
ya kujipatia mapato ambayo bado hatujapata?
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Part-time staff and all staff receiving irregular
payment as equal to half full time.
C2.5 Compared to two years ago [and after Pamoja na wewe, ni wangapi wanaofanya kazi
allowing for price increases] is your household hii/hizi mara kwa mara katika biashara hizi/hii
better or worse off?
Paid employees or self-employed
Ukilinganisha na miaka miwili iliyopita [na
baada ya kukumbuka kuongezeka kwa
gharama] je unaona maisha ya nyumbani
mwako vizuri au vibaya? Unpaid [including family]
Better off ..................................... 1
No change .................................. 2
Worse off .................................... 3 C3.7 Has the number of paid people you
Not sure ...................................... 4 usually employ increased, decreased or
remained the same since the last interview?
C3. BUSINESS ACTIVITIES Je idadi ya wafanya kazi unaowalipa
C3.1Please describe your main business imeongezeka kupunguka au imebaki sawa
activity. tangu ulihojiwaa mwisho?
Waweza kuelezea kuhusu biashara yako hasa. Increased ...................................... 1
Decreased ..................................... 2
[WRITE IN SECTOR – e.g. FARMING, FRUIT Remained the same ...................... 3
TRADING, SHOE MENDING]
C3.8 What has caused this change?
Kilichosababisha mabadiliko haya ni nini?
C3.2 NOW CODE
Farm .................................... 1
Wholesale ........................... 2
Retail ................................... 3 C3.9 How much money are you currently able
Services .............................. 4 to invest in stock or in raw material for your
Manufacturing ..................... 5 business?
Other ................................... 6
WRITE 0000001 IF UNABLE TO SAY
C3.3 For how many years has this business
been running? Ni kiasi gani cha pesa mbacho unaweza
kutumia kwa kununua bidhaa za biashara?
Hii biashara imekuwa kwa ,miaka mingapi?
C3.10 How has this changed since the last
C 3.4 Do you have any other business interview [after allowing for price increases]?
activities?
Hii imepinduka kivipi tangu kuhojiwa kwako
Una shughuli zingine za biashara? miezi ______ iliyopita?
Yes ..................................... 1 Increased ............................. 1
No ....................................... 2 Decreased ........................... 2
Remained the same ............ 3
C3.5 If yes please describe them Not able to say .................... 4
Tafadhali elezea kuzihusu C3.11What is currently your most valuable
business asset. Tool or piece of equipment
[excluding premises]?
Ni chombo gani cha kibiashara ambacho kina
dhamana ya juu zaidi ya kingine bali na
C3.6 How many people including yourself work nyumba ya biashara?
regularly in this/these business/es?
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C3.12 What is its approximate current value? Biashara yako imefaidi sana au hapana tangu
ulipohojiwa [baada ya kuweka malipo ya
Je dhamana yake ni kiwango gani kwa sasa? mikopo]? Na kuongezeka kwa gharama?
Gone up ............................... 1
Use leading zeros. Gone down .......................... 2
C3.13 Estimate total sales from your main No change ........................... 3
business for typical month in the last year. Use Don’t know ........................... 4
the space below to calculate this in the way that
the respondent finds most easy [e.g. daily, C4 HOUSEHOLD EXPENDITURE
weekly]
ANSWERS TO THE FOLLOWING
Sasa kadilia jumla ya pesa zilizotokana na QUESTIONS WILL INEVITABLY BE
kuuza katika biashara yako mwezi uliopita. VERY ROUGH A ROUGH ESTIMATE
IS BETTER THAN NONE, AND
ANSWERS TO AT LEAST SOME OF
THE QUESTIONS IS BETTER THAN
NONE AT ALL WHERE NO
ESTIMATE IS OFFERED THEN
ENTER 0000001.
C4.1 Estimate the approximate market value of
food that was both produced and consumed by
the household during the last full month.
Kadiria bei ya vyakula ambavyo viliengenezwa
na kutumika na hamii yako mwezi uliopita.
C3.14 How has this changed since the last
Interview?
Hii imepinduka kwa kivipi tangu uhojiwe? C4.2 Estimate the amount of money that the
household spent purchasing food for the
Increased ............................ 1 household during the last full calendar month.
Decreased ........................... 2
Remained the same ............ 3 Kadiria kiasi cha pesa kilichotumiwa kununua
Not able to say .................... 4 vyakula vya jamii yako mwezi iliopita
C3.15 Now estimate the costs of running the
main business during the last month, using the
space below for rough calculations.
INCLUDE THE COST OF PURCHASE OF C4.3 Estimate the amount of money that
STOCK WAGES, RENTS, BILLS FEE/BRIBES, was spent on non-food household maintenance
HIRE CHARGES, TRANSPORT COSTS. during the last month [including fuel, soap.
House rent]
Kadiria kiasi cha pesa kilichotumiwa kununulia
bidhaa [kando y avyakula] katika jamii yakp
mwezi uliopita kkama sabuni, kodi, mafuta ya
kupikia na kadhalika.
C 4.4 How much money was spent by the
C3.16 CALCULATE GROSS PROFIT = household on transport?
SALES minus COSTS
Ni kiasi gani cha pesa kilichotumika kwa
nauli/kusafiri katika huo mwezi?
C3.17 How has this changed since the last
interview [after allowing for price increase]?
C4.5 How much was spent on personal
items including clothes, alcohol, cigarettes,
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Financial Services for the Poor Exploratory Research - Questionnaire
toiletries, and entertainment during the same
month. Je hii nyumba unamoishi ina stima/umeme?
Ni kiasi gani cha pesa kilichotumika kwa vtu Yes ......................................... 1
vya kibinafsi kama nguo, pombe, Sigara, No .......................................... 2
Marashi na Kujiburidisha?
C5.3 What is the main form of fuel used by
the household for cooking?
C 4.6 How much money was spent on Ni njia gani inayotumika kwa kupikia chakula
medical and other health related goods and katika nyumba yako?
services and funeral expenses during the last
year? Electricity or Gas .................... 1
Paraffin ................................... 2
Ni kiasi gani cha pesa kilichotumika kwa Charcoal ................................. 3
gharama za kiafya na hospitali au matanga Firewood ................................. 4
mwaka uliopita?
C5.4 Is the quality of the house that you live
in higher or lower than it was two years ago?
C4.7 Estimate approximately how much Je hali ya nyumba yako unamoishi imebadilika
money was spent during the LAST YEAR on au imepinduka kulingana na ilivyokuwa miaka
school fees and other education expenses? miwili iliyopita?
Kadiria ni kiasi gani cha pesa kilichotumika kwa Better ..................................... 1
karo za shule na gharama zingine za Worse ..................................... 2
kimasomo mwaka uliopita? No Change ............................. 3
Don’t know .............................. 4
C5.5 Explain any difference
C4.8 ESTIMATE TOTAL MONTHLY
HOUSEHOLD EXPENDITURE BY ADDING Elezea tofauti yoyote
THE RESPONSES TO C4.1 TO C4.5 AND
TH
1/12 OF THE SUM OF THE ANSWERS TO
C4.6 AND C4.7
C4.9 CALCULATE THE CONTRIBUTION C5.6 What is the most valuable thing this
OF MONTHLY BUSINESS PROFITS [C3.16] household has, apart from land and the houses
TO MONTHLY HOUSEHOLD EXPENDITURE on it?
[C4.8] IN PERCENT.
Je nini cha dhamana ambacho nyumba yako
ikonacho? Mbali na chama na nyumba
IS THIS CONSISTENT WITH THE zilizomo?
INFORMATION SUPPLIED SO FAR ON WRITE IN
SOURCES OF INCOME TO THE ______________________
HOUSEHOLD IF NOT THEN DISCUSS WITH
THE RESPONDENT AND ADJUST FIGURES C5.7 What is its approximate current value?
ACCORDINGLY.
Je dhamana yako ni kiwango gani sasa?
C5 HOUSEHOLD ASSETS
C5.1 Do you own the house that you live
in?
USE LEADING ZEROS
Je nyumba unamoishi ni yako? For example Kshs 1000 is coded as 0001000
Yes .........................................1
No ...........................................2
Not sure ...................................3
THE REMAINING QUESTIONS IN THIS
C5.2 Does the house that you live in have SECTION CAN BE FILLED IN BY
electricity? OBSERVATION
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Financial Services for the Poor Exploratory Research - Questionnaire
Corrugated Iron Sheets .................... 3
C5.8 DWELLING TYPE Grass/Reeds..................................... 4
Formally constructed building .......... 1 Reeds ............................................... 5
Informally constructed ...................... 2 Leaves .............................................. 6
Squatters building ............................ 3 Others ............................................... 7
Traditional building/hut ..................... 4
C5.11 WALL MATERIAL
C5.9 NEIGHBOURHOOD Burnt stabilized brick ..................1
Planned Urban ................................. 1 Unburnt brick ..............................2
Semi-planned Urban ........................ 2 Stone ..........................................3
Slum ................................................. 3 Cement blocks ............................4
Semi-rural ......................................... 4 Pole and mud .............................5
Completely Rural .............................. 5 Wood ..........................................6
Other...........................................7
C5.10 TYPE OF ROOF
Tiles .................................................. 1
Asbestos .......................................... 2
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SECTION C DETAILS OF HOUSEHOLD COMPOSITION, INCOME & ASSETS,
BUSINESS ACTIVITIES AND HOUSEHOLD EXPENDITURE [Q]
The aim of this section is to ensure that key
facts about the respondent’s use of financial
services are recorded in a way that can easily
be computerized. E9. IF YES, What were the main advantages
of the MFI compared to these other sources?
IF THESE QUESTIONS GENERATE IMPORTANT
INFORMATION THAT CANNOT BE FITTED INTO WRITE IN
THE SPACE AVAILABLE, THEN NOTE IT DOWN IN Hii MFI ilikuwa na manufaa gani
THE SPACE PROVIDED FOR THE PREVIOUS ikilinganishwa na njia zingine?
SECTION SO THAT YOU CAN USE IT TO ENRICH
THE NARRATIVE DESCRIPTION OF THE
INTERVIEW.
E1. How many months have passed since
you first obtained a loan from ___________MFI?
E10. IF YES, What were the main
Umepata mikopo mingapo kutoka kwao kwa
disadvantages of the MFI compared to these
jumla?
other sources?
E 3. What is the largest loan you have
WRITE IN
received?
Hii MFI ina upungufu gani ikilinganishwa na njia
zingine?
Mkopo mkubwa zaidi uliopata ulikuwa wa kiasi
gani?
E4. Do you currently have debts outstanding
E11. Have you saved money with anyone else
with _________MFI?
since first joining _____________ MFI
Yes ............................................. 1
Je umewahi kuweka akiba na watu wnegine
No ............................................... 2
wowote tangu ujiunge na hii MFI?
Yes ................................................ 1
E5 Do you currently have any loan
No ................................................. 2
repayment that are overdue or in arrears with
____________ MFI?
E12. IF YES From who? WRITE IN
Kama ndio, kutoka kwa nani
Kuna mkopo ambao hujaulipia wa ___________
MFI?
Yes ............................................ 1
No ............................................... 2
E6.Do you currently have any savings kept at E13. IF YES. What were the main advantages
_____________ MFI of the MFI compared to this/these alternative(s)?
Je sasa hivi unayo akiba yoyote na MFI? WRITE IN
Hii MFI ina manufaa gani haswa ukilingainsha na
Yes ............................................. 1 hizo zingine?
No ............................................... 2
E7.Did you take loans from anyone else since
first borrowing from _________MFI?
Ulichukua mkopo kutoka kwa yeyote kutoka
ukope kwa ________MFI? E14. IF YES. What were the main
disadvantages of the MFI compared to this/these
E8. IF YES, From who? WRITE IN alternative(s)?
Kama ndio, kutoka kwa nani?
WRITE IN
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Hii MFI ina upungufu gani haswa ukilingainsha No significant change ................... 3
na hizo zingine? Not sure ........................................ 4
E19. How, if at all, has the experience of
obtaining services from the ______MFI affected
the circle of people outside your household who
E15 Do you have any insurance policies may come to you for help in a crisis?
Je, uimejichukulia bima yeyote?
Ni vipi hata kidogo uuhsiano wako na MFI
Yes ................................................ 1 umebadili uhusiano wako na watu wa kutoka nje
No .................................................. 2 ya jamii hasa uwezo wa kuomba usaidizi kutoka
kwako wakati wanapopata shida/
E16. IF YES, Describe them WRITE IN TYPE
OF POLICIES AND WHERE OBRTAINED. Increased ..................................... 1
Decreased ..................................... 2
Zielezee kwa ufupi No significant change ................... 3
Not sure ........................................ 4
E20 Overall do you think that members of
your household are collectively better or worse
off as a result of your involvement with
E17. How, if at all, has the experience of ___________MFI?
obtaining services from the _____MFI changed
your relationship with other members of your Wewe mwenyewe wafikiria kwamba watu wa
household? jamii yako wako vizuri au vibaya na matokeo
haya ya kujiunga na _____MFI?
Je ukiangalia uhusiano wako na MFI, umebadili
kwa njia yoyote uhusiano baina yako na jamii Better off ....................................... 1
yako? Worse off....................................... 2
No change ..................................... 3
For the better ................................. 1 Can’t tell ........................................ 4
For the worse ................................ 2
No significant change .................... 3 E21 Overall do you think that you personally
Not sure ......................................... 4 are better or worse as a result of your
involvement with ______ MFI?
E18 How, if at all, has the experience of
obtaining services from the ______MFI affected Je wafikiria kuna mabadiliko gani kutokana na
the circle of people outside your household who kujihusisha kwako na _______MFI
you can go to for help in a crisis? Better off ....................................... 1
Worse off....................................... 2
Ni vipi hata kidogo uhusiano wako na MFI No change ..................................... 3
umebadilisha watu wa nje ya jamii yako ambao Can’t tell ........................................ 4
unaweza kuomba msaada wakati wa shuida?
Increased ...................................... 1
Decreased ..................................... 2
Editor’s No
DE Clerk NO
T.L No.
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Financial Services for the Poor Exploratory Research - Questionnaire
SECTION D. USE OF FINANCIAL SERVICES (N) - GUIDELINES
What happened as a result of the loan? Why
did you use the loan on these things?
AIM OF THE SECTION D3. Who decided on how the loan was to be
To understand, from the perspective of used?
respondent's
Their experiences of utilizing financial services D4. What would you have done if you had not
provided by the selected MFI; taken this loan?
What services they obtained and why;
What extra funds (whether secured as loans or D5. Can you explain some of the costs and
through accumulation of savings) were used difficulties arising from securing this loan and
for; how you managed them?
What impact this had on their business
D6. Thinking about the second loan you took
activities, household income, consumption and
out, (PROBE AS ABOVE AND REPEAT FOR
intra-household relationships;
ALL LOANS)
What the cost of using these loans were,
including time required to attend meetings, and
D7. Did you also with the MFI? If so, why?
funds needed to build up savings and to repay
What have you also been able to do with
loans.
money saved?
Pros and cons of services used compared to Why did you decide to use the savings like
others available that?
Overall, whether they were satisfied with the
outcome of the services they utilized and if not, D8.Who decided to use the savings in these
why not. ways? What were the results? Were there any
benefits to you or the household? What? Did it
cause any problems? What?
SWITCH ON THE TAPE RECORDER AGAIN D9. What would you have done if you had not
(IF YOU HAVE PERMISSION TO DO SO) had these savings [at that time] - or what
would have been the consequences? Would
D1. I now want to go into some details in your you have saved using other facilities?
own words about financial services that you
obtained from MFI_____ The best way to do D10. What, if anything, could the MFI have
this would be for you to start by explaining how done to improve the services they provided?
you first heard of it and became a client. You
can then tell us the things that happened one D11. What are the main lessons, if any, that
after another until now. You can take your time you have learnt as a result of your involved
in doing this, and give details because with______ MFI?
everything you think is important is also of
interest to us.
Once respondents have finished their account,
probe them to repeat parts of the story that are
unclear, and confirm the chain of events
described (including the sequence of use of
loans and savings, the following optional
probing questions may be helpful.
THESE QUESTIONS ARE DELIBERATELY
NEUTRAL - THEY AVOID PROMPTING THE
RESPONDENT TO REPLY POSITIVELY OR
NEGATIVELY.
CARE SHOULD BE TAKEN NOT TO
PROMPT CLIENTS INTO DESCRIBING
EVENTS OR RELATIONSHIPS WITH THE
MFI THAT THEY DID NOT MENTION
THEMSELVES FIRST.
D2. When you got the loan, where exactly did
it go? What things did you buy with the loan?
Prepared for DfID by Research International 9
Financial Services for the Poor Exploratory Research - Questionnaire
SECTION F. FUTURE PLANS, RISKS
AND RESOURCES -
GUIDELINES
AIM OF THE SECTION
AIM OF THE SECTION
To find out from the respondents:
To find out from the respondents:
What plans they have for themselves, their
What plans they have for themselves, their
business activities and their households
business activities and their households
during the next two years
during the next two years
What resources they hope to mobilize in
What resources they hope to mobilize in
order to realize those plans, and how
order to realize those plans, and how
What risks and obstacles they fear might
What risks and obstacles they fear might
restrict their ability to realize these plans
restrict their ability to realize these plans
How they think they may be able to reduce
How they think they may be able to reduce
these risks and avoid the obstacles.
these risks and avoid the obstacles.
SWITCH ON THE TAPE RECORDER AGAIN
(IF YOU HAVE PERMISSION TO DO SO)
USE THE FOLLOWING PROMPTING
QUESTIONS IN SEQUENCE. TAKING CARE
TO FOLLOW UP SEPARATELY ON EACH
GOAL OR PLAN, IF MORE THAN ONE ARE
MENTIONED.
ALSO TAKE CARE TO ENSURE
DISTINGUISH BETWEEN INDIVIDUAL OR
PERSONAL GOALS, THOSE FOR OTHER
MEMBERS OF THE HOUSEHOLD AND FOR
THE HOUSEHOLD IN GENERAL. WHETHER
THEY WOULD CONSIDER TAKING OUT
ADDITIONAL LOANS
TAKE CARE NOT TO PROMPT THE
RESPONDENT. FOR EXAMPLE, DO NOT
ASK RECORD RESPONSES ON THE PAGE
BELOW.
E1. In this final section we would again like
you to explain in your own words what plans
you have for the future - or for other members
of your family and for your business activities.
E2. How are
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Financial Services for the Poor Exploratory Research - Questionnaire
SECTION B. HOUSEHOLD AND LIVELIHOOD DYNAMICS [N] FIRST PAGE OF NOTES
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Financial Services for the Poor Exploratory Research - Questionnaire
SECTION B. HOUSEHOLD AND LIVELIHOOD DYNAMICS [N] - SECOND PAGE OF
NOTES
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Financial Services for the Poor Exploratory Research - Questionnaire
SECTION D. USE OF FINANCIAL SERVICES [N] FIRST PAGE OF NOTES
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Financial Services for the Poor Exploratory Research - Questionnaire
SECTION D. USE OF FINANCIAL SERVICES - [N] SECOND PAGE OF NOTES
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Financial Services for the Poor Exploratory Research - Questionnaire
SECTION F. FUTURE PLANS, RISKS AND RESOURCES [N] FIRST PAGE OF NOTES.
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