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ZAF-SALDRU-FDP-2003-2004-V1
Financial Diaries Project 2003-2004
South Africa
,
2003 - 2004
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Reference ID
zaf-saldru-fdp-2003-2004-v1
Producer(s)
Southern Africa Labour and Developement Research Unit (SALDRU)
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Created on
Nov 07, 2008
Last modified
Jun 02, 2020
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Study Description
Data Description
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Fincashflows
Fincashremittances
Finevents
Finfinancialinstruments
Finfinancialinstrumentsdisc
Finhholdassets
Finhholdexpense
Finhhrostercont
Finhhrosterdiscont
Finincomecashflows
Finincomecashflowsdisc
Finincomesources
Fininitialquestcont
Fininitialquestdiscont
Fininkindremittances
Data file: Finfinancialinstruments
Cases:
0
Variables:
454
Variables
hhcode
Household Number
pcode
Person Code
findevicecode
Financial Device Code
fdstartdate
Start Date
place
Location of Survey
obaname
Bank Accounts F1.2 What is the name of the bank account? NAME
obatype
Bank Accounts F1.5 What type of bank account is it? CHOOSE from list.
obabranch
Bank Accounts F1.6 Where is the branch? SUBURB/TOWN
obawhy
Bank Accounts F1.7 Why did you open the bank account?
obause
Bank Accounts F1.7.1 Are you currently using the account?
obausetype
Bank Accounts F1.8 How do you use the bank account? CHOOSE from list.
obausenot01
Bank Accounts No money to put in
obausenot02
Bank Accounts Too far away
obausenot03
Bank Accounts Interest to high
obausenot04
Bank Accounts Other
obausenot05
Bank Accounts Office hours not suitable
obausenot06
Bank Accounts Opened another account
obausenot07
Bank Accounts Waiting on card
obasavewhy01
Bank Accounts Education
obasavewhy02
Bank Accounts Christmas
obasavewhy03
Bank Accounts Housing
obasavewhy04
Bank Accounts Livestock
obasavewhy05
Bank Accounts Emergency
obasavewhy06
Bank Accounts Travel
obasavewhy07
Bank Accounts Business
obasavewhy08
Bank Accounts For sake of saving
obasavewhy09
Bank Accounts Other
obasavewhy10
Bank Accounts Labola
obasavewhy11
Bank Accounts Safety
obamnthin
Bank Accounts F1.11 How much do you plan to put in every month? (Include salary
obamnthout
Bank Accounts F1.12 How much do you plan to take out every month? RAND
obaopen
Bank Accounts F1.13 What is the current balance? RAND
obatrans
Bank Accounts F1.14 How do you get to the bank? CHOOSE from list.
obatranstime
Bank Accounts F1.15 How much time does it take to get there?
obatranscost
Bank Accounts F1.16 What are the transport costs one-way? RAND
obainside
Bank Accounts F1.17 How many times a month do you go to the bank? NUMBER
obaatm
Bank Accounts F1.18 Do you have an ATM card with the account?
obaatmuse
Bank Accounts F1.19 If yes, do you use it? Y/N
obaatmusenot
Bank Accounts F1.20 If no, why not?
obaatmvenue
Bank Accounts F1.21 If yes, where do you tend to use the ATM? SUBURB/TOWN
obaatmfreq
Bank Accounts F1.22 How many times a month do you use it?
obadc
Bank Accounts F1.23 Do you have a debit card?
obadcfreq
Bank Accounts F1.24 If Yes - how many times a month do you use it?
obaatmwithcost
Bank Accounts F1.25 How much does it cost to withdraw from the Bank's ATM? RAND
obaatmotherwithcost
Bank Accounts F1.26 How much does it cost to make a cash withdrawl from the ban
obacashwithcost
Bank Accounts F1.27 How much does it cost to make a cash withdrawal from the Ba
obadocost
Bank Accounts F1.28 If this is a cheque or transmission account, how much per mo
obachqcost
Bank Accounts F1.29 If this is a cheque account, how much does it cost to write
obaintinc
Bank Accounts F1.30 What interest rate are you paid on your savings?INTERET RAT
obaenddate
Bank Accounts F1.31 What year did you close it? YYYY
obaendwhy
Bank Accounts F1.32 Why did you close the account? CHOOSE from list
obaend
Bank Accounts End
openpayhow
Pension F2.8 How do you pay in? CHOOSE from list.
openpenprov
Pension F2.5 Is this a pension fund or a provident fund?
openamnt
Pension F2.6 How much do you pay in per month? RAND / 999=don't know
openemplamnt
Pension F2.7 How much does the employer pay in per month? RAND / 999=don't know
openprovopen
Pension F2.9 If provident fund, what is the current balance?
openoutmnthamnt
Pension F2.10 If paid out, how much per month do you get paid?
openouthow
Pension F2.11 If paid out, how do you get paid out?
opentrans
Pension F2.12 If you collect cash or cash a cheque, how do you get there? CHOOS
opentranstime
Pension F2.13 How much time does it take to get there? CHOOSE from list?
opentranscost
Pension F2.14 What were the transport costs one-way? RAND
openenddate
Pension DateEnd
ossfreq
Umgalelo F3.5 What is the frequency of the contributions? CHOOSE from the list.
osssize
Umgalelo F3.6 How many people are in the umgalelo? NUMBER
ossjoinfee
Umgalelo F3.7 Is there a joining fee? Y/N
ossjoinfeeamnt
Umgalelo F3.8 If yes, how much is it? RAND
ossintype
Umgalelo F3.9 When you pay in, do you pay in cash(=01), or goods(=02), or both
osscashamnt
Umgalelo F3.10 If cash, how much do you pay in per period? RAND
ossgoodstype
Umgalelo F3.11 If goods, what do you pay in? CHOOSE from list.
ossoutwhen
Umgalelo F3.12 When do you get paid out? CHOOSE from list.
ossouttype
Umgalelo F3.16 What is the value of how much you do get paid out? RAND,991=depe
ossoutamnt
Umgalelo F3.17 If it depends, what does it depend on? CHOOSE from list.
ossoutdependwhat
Umgalelo
ossoutdependamnt
Umgalelo F3.18 If it depends, how much were you paid out last time? RAND
ossoutcashhow
Umgalelo F3.19 If paid in cash, how do you get paid out? CHOOSE from list.
ossoutcashuse01
Umgalelo School fees
ossoutcashuse02
Umgalelo Christmas
ossoutcashuse03
Umgalelo Groceries
ossoutcashuse04
Umgalelo Housing
ossoutcashuse05
Umgalelo School uniforms/Church Uniforms
ossoutcashuse06
Umgalelo Other Clothes
ossoutcashuse07
Umgalelo Stamps
ossoutcashuse08
Umgalelo Travel
ossoutcashuse09
Umgalelo Saving
ossoutcashuse10
Umgalelo Business
ossoutcashuse11
Umgalelo Repay Debt
ossoutcashuse12
Umgalelo Send remittance
ossoutcashuse13
Umgalelo Unsure
ossoutcashuse14
Umgalelo Traditional feast
ossoutcashuse15
Umgalelo Agriculture or livestock
ossoutcashuse16
Umgalelo Emergencies
ossoutcashuse17
Umgalelo Bedding
ossoutcashuse18
Umgalelo Gifts
osslend
Umgalelo F3.21 Does the group lend money? Y/N
osslendint
Umgalelo F3.22 If yes, what interest rate do you charge? % or RANDS on R100
osslendwho
Umgalelo F3.23 If yes,whom do you lend to? CHOOSE from list.
osslendobligation
Umgalelo F3.24 If member, are you required to borrow the money? Y/N
osslendinttarget
Umgalelo F3.25 If yes, is there an interest income target?
osslendinttargetamnt
Umgalelo F3.26 If yes, how much? RAND
ossonlendwho
Umgalelo F3.27 Who do you lend to, if you onlend the money?
ossonlendmnths
Umgalelo F3.28 Fow many months per year do you manage to onlend the money?
osstype
Umgalelo F3.30 What type of umgalelo is this? CHOOSE from list
osstrans
Umgalelo F3.32 If you have to travel to get to meetings, how do you get there?
osstranstime
Umgalelo F3.33 How much time does it take to get there? CHOOSE from list.
osstranscost
Umgalelo F3.34 What were the transport cost one-way? RAND
ossyearstart
Umgalelo F3.35 What year was it started? YYYY
osssocknow
Umgalelo F3.36 How do the members know each other? CHOOSE from list.
osssupervisor
Umgalelo F3.37 Is one person in charge of the umgalelo who manages the fund? Y/
osstrustwhy
Umgalelo F3.38 Why do people trust that person? CHOOSE from list.
ossfreqmeet
Umgalelo F3.39 How often are the meetings? CHOOSE from list.
ossgender
Umgalelo F3.40 Is the Umgalelo made up of all men / all women / Mixed?
osspenalties
Umgalelo F3.42 Are there penalties for paying late? Y/N
ossbank
Umgalelo F3.44 Is the money held in a bank account at any time? Y/N
ossnotbank
Umgalelo F3.45 If no, where is it held?
ossbankname
Umgalelo F3.46 If yes, what is the bank name?
ossbankowner
Umgalelo F3.47 If yes, in whose name is the bank account?
ossbankcollect
Umgalelo F3.48 If yes, who goes to the bank to get the money
ossbankspecservice
Umgalelo F3.49 If yes, does the bank do anything special for THIS umgalelo?
ossbankint
Umgalelo F3.50 If yes, what interest rate is paid on bank savings?
osssecur
Umgalelo F3.51 What is done to address security issues around the payment of th
osssecurwrong
Umgalelo F3.52 Has anything ever gone wrong(Stealing, dishonesty,theft,loss) in
ossq2enddate
Umgalelo F3.53 What year did you leave? (YYYY)
ossoutperiod
Umgalelo F355 Number of periods since last payout?
ossendwhy
Umgalelo Reason Ended
obscoverpcode
Burial Societies F4.4 Is he/she covered under this scheme? Y/N
obscoveradults
Burial Societies F4.5 How many other adults are covered? NUMBER
obscoverchild
Burial Societies F4.6 How many children are covered? NUMBER
obspremfreq
Burial Societies F4.7 What is the frequency of the premiums? CHOOSE from the li
obspremamnt
Burial Societies F4.8 How much do you pay each time? RAND
obsprem1yr
Burial Societies F4.9.1 What was the premium 1 year ago? RAND
obsprem2yr
Burial Societies F4.9.2 What was the premium 2 years ago? RAND
obsprem5yr
Burial Societies F4.9.3 What was the premium 5 years ago? RAND
obspayhow
Burial Societies F4.10 How do you pay? CHOOSE from the list?
obsstructtype
Burial Societies F4.11 Is this one-on-one with a company, undertaker or with a
obsstructconame
Burial Societies F4.12 If companyor undertaker, which one? NAME
obsstructcomp
Burial Societies F4.13 Is this a comprehensive plan?
obsouttype
Burial Societies F4.14 What are the arrangement of the plan?
obsoutkindtype01
Burial Societies Pre-funeral expenses
obsoutkindtype02
Burial Societies Coffin
obsoutkindtype03
Burial Societies Undertaker's fees
obsoutkindtype04
Burial Societies Transport of guests
obsoutkindtype05
Burial Societies Tent
obsoutkindtype06
Burial Societies Food at Funeral (other than cow and sheep)
obsoutkindtype07
Burial Societies Transport of body to rural areas
obsoutkindtype08
Burial Societies Cow
obsoutkindtype09
Burial Societies Tombstone
obsoutkindtype10
Burial Societies Sheep
obsoutkindtype11
Burial Societies Day after expenses
obsoutkindtype12
Burial Societies Any additional expenses
obsoutcash
Burial Societies F4.16 If cash, do you know how much you'll get paid out? Y/N
obsoutcashphamnt
Burial Societies F4.17 How much for policyholder? RAND
obsoutcashadultamnt
Burial Societies F4.18 How much for other adults? RAND
obsoutcashchildamnt
Burial Societies F4.19 How much for children? RAND
obsoutcashhow
Burial Societies F4.20 If in cash, how do you get paid out? CHOOSE from list.
obsoutcashuse01
Burial Societies Pre-funeral expenses
obsoutcashuse02
Burial Societies Coffin
obsoutcashuse03
Burial Societies Undertaker's fees
obsoutcashuse04
Burial Societies Transport of guests
obsoutcashuse05
Burial Societies Tent
obsoutcashuse06
Burial Societies Food at Funeral (other than cow and sheep)
obsoutcashuse07
Burial Societies Transport of body to rural areas
obsoutcashuse08
Burial Societies Cow
obsoutcashuse09
Burial Societies Tombstone
obsoutcashuse10
Burial Societies Sheep
obsoutcashuse11
Burial Societies Day after expenses
obsoutcashuse12
Burial Societies Any additional expenses
obsoutcashuse13
Burial Societies Not use, rather save
obsoutcashuse14
Burial Societies Start business
obstrans
Burial Societies F4.22 How do you get to the place where you have to pay your p
obstranstime
Burial Societies F4.23 How much time does it take to get there? CHOOSE from lis
obstranscost
Burial Societies F4.24 What are the transport costs one-way? RAND
obsstartyr
Burial Societies F4.26 What year was it started? YYYY
obsfreqmeet
Burial Societies F4.27 How often does the group meet? CHOOSE from list.
obssize
Burial Societies F4.28 How many people are in the group? NUMBER
obssocknow
Burial Societies F4.29 How do the people know each other? CHOOSE from list.
obsundertaker
Burial Societies F4.30 Does the group use a company to do the burial plan? Y/N
obsundertakername
Burial Societies F4.31 If yes, which company?
obstype
Burial Societies F4.32 Is this society one of the following? CHOOSE from list.
obsbank
Burial Societies F4.33 Is the money held in a bank account at any time? Y/N
obsbankname
Burial Societies F4.34 If yes, what is the bank name? NAME
obsbankowner
Burial Societies F4.35 If yes, in whose name is the Bank account?
obsbankcollect
Burial Societies F4.36 If yes, who goes to the bank to get the money? CHOOSE f
obsbankspecservice
Burial Societies F4.37 If yes, does the bank do anything special for the burial
obssecur
Burial Societies F4.38 What is done to address security issues around the payme
obssecurwrong
Burial Societies F4.39 Has anything ever gone wrong(Stealing, dishonesty,theft
obscollection
Burial Societies F4.40 Does the burial society ever have to take up a collectio
obscollectionamnt
Burial Societies F4.41 How much did you have to pay last time there was a colle
obscollectiontotal
Burial Societies F4.42 How much was collected in total from everyone? RAND
ofpcoverpcode
Funeral Plans F4.4 Is he/she covered under this scheme? Y/N
ofpcoveradults
Funeral Plans F4.5 How many other adults are covered? NUMBER
ofpcoverchild
Funeral Plans F4.6 How many children are covered? NUMBER
ofppremfreq
Funeral Plans F4.7 What is the frequency of the premiums? CHOOSE from the list.
ofppremamnt
Funeral Plans F4.8 How much do you pay each time? RAND
ofpprem1yr
Funeral Plans F4.9.1 What was the premium 1 year ago? RAND
ofpprem2yr
Funeral Plans F4.9.2 What was the premium 2 years ago? RAND
ofpprem5yr
Funeral Plans F4.9.3 What was the premium 5 years ago? RAND
ofppayhow
Funeral Plans F4.10 How do you pay? CHOOSE from the list?
ofpstructtype
Funeral Plans F4.11 Is this one-on-one with a company, undertaker or with a gro
ofpstructconame
Funeral Plans F4.12 If companyor undertaker, which one? NAME
ofpstructcomp
Funeral Plans F4.13 Is this a comprehensive plan?
ofpouttype
Funeral Plans F4.14 What are the arrangement of the plan?
ofpoutkindtype01
Funeral Plans Pre-funeral expenses
ofpoutkindtype02
Funeral Plans Coffin
ofpoutkindtype03
Funeral Plans Undertaker's fees
ofpoutkindtype04
Funeral Plans Transport of guests
ofpoutkindtype05
Funeral Plans Tent
ofpoutkindtype06
Funeral Plans Food at Funeral (other than cow and sheep)
ofpoutkindtype07
Funeral Plans Transport of body to rural areas
ofpoutkindtype08
Funeral Plans Cow
ofpoutkindtype09
Funeral Plans Tombstone
ofpoutkindtype10
Funeral Plans Sheep
ofpoutkindtype11
Funeral Plans Day after expenses
ofpoutcash
Funeral Plans F4.16 If cash, do you know how much you'll get paid out? Y/N
ofpoutcashphamnt
Funeral Plans F4.17 How much for policyholder? RAND
ofpoutcashadultamnt
Funeral Plans F4.18 How much for other adults? RAND
ofpoutcashchildamnt
Funeral Plans F4.19 How much for children? RAND
ofpoutcashhow
Funeral Plans F4.20 If in cash, how do you get paid out? CHOOSE from list.
ofpoutcashuse01
Funeral Plans Pre-funeral expenses
ofpoutcashuse02
Funeral Plans Coffin
ofpoutcashuse03
Funeral Plans Undertaker's fees
ofpoutcashuse04
Funeral Plans Transport of guests
ofpoutcashuse05
Funeral Plans Tent
ofpoutcashuse06
Funeral Plans Food at Funeral (other than cow and sheep)
ofpoutcashuse07
Funeral Plans Transport of body to rural areas
ofpoutcashuse08
Funeral Plans Cow
ofpoutcashuse09
Funeral Plans Tombstone
ofpoutcashuse10
Funeral Plans Sheep
ofpoutcashuse11
Funeral Plans Day after expenses
ofpoutcashuse12
Funeral Plans Business
ofpoutcashuse13
Funeral Plans Savings
ofptrans
Funeral Plans F4.22 How do you get to the place where you have to pay your prem
ofptranstime
Funeral Plans F4.23 How much time does it take to get there? CHOOSE from list.
ofptranscost
Funeral Plans F4.24 What are the transport costs one-way? RAND
oraname
Retirement Annuity F5.2 What is the company you bought the annuity from? NAME
orapaymeth
Retirement Annuity PayMethod
orapremamnt
Retirement Annuity F5.5 How much do you pay in per month? RAND
orapermin
Retirement Annuity F5.6 If paying in, how do you pay in? CHOOSE from list.
oraoutamnt
Retirement Annuity F5.7 How much do you get paid out per month? RAND
oraouthow
Retirement Annuity F5.8 How do you get paid out? CHOOSE from list.
oratrans
Retirement Annuity F5.9 If you have to travel to get paid or cash a cheque, how
oratranstime
Retirement Annuity F5.10 How much time does it take to get there? CHOOSE from l
oratranscost
Retirement Annuity F5.11 What were the transport costs one-way? RAND
orasurrender
Retirement Annuity F5.12 What is the Surrender Value?
oirpaymeth
Other Insurance PayMethod
oirname
Other Insurance F6.2 What is the name of the company the policy comes from? NAM
oirtype
Other Insurance F6.3 What type of insurance is it? CHOOSE from list.
oircomp
Other Insurance F6.4 Is it comprehensive? (Yes / No)
oirwhy
Other Insurance F6.7 Why did you take it?
oirpremamnt
Other Insurance F6.8 How much do you pay in per month? RAND
oiroutamnt
Other Insurance F6.9 How much do you get paid out? CHOOSE from list.
oirouthow
Other Insurance F6.10 How do you get paid out? CHOOSE from list.
oirtrans
Other Insurance F6.11 If you have to travel to get paid or cash a cheque, how
oirtranstime
Other Insurance F6.12 How much time does it take to get there? CHOOSE from lis
oirtranscost
Other Insurance F6.13 What were the transport costs one-way? RAND
oircashin
Other Insurance F6.14 Can the policy be cashed in?
oircashamnt
Other Insurance F6.15 If Yes - what is the cash in value?
oirendwhy
Other Insurance Reason Ended
oirenddate
Other Insurance DateEnd
ofglpaymeth
Formal Loans PayMethod
ofglname
Formal Loans F7.2 What is the name of the institution? NAME
ofglwho
Formal Loans F7.3 Who is the loan form?
ofglempl
Formal Loans F7.4 If this is an employer loan, does the loan come off your pensi
ofgltype
Formal Loans F7.8 What type of loan was it? CHOOSE from list.
ofgltypeper
Formal Loans F7.9 If personal or emergency, what is it used for? CHOOSE from li
ofglamnt
Formal Loans F7.10 What was the loan amount? RAND
ofglint
Formal Loans F7.11 What is the interest rate per month? % or RAND/month
ofglpremfreq
Formal Loans F7.12 What is the frequency of the payments?
ofglpremamnt
Formal Loans F7.13 What are the payments each time? RAND
ofglamor
Formal Loans F7.14 Is the loan interest amortised?
ofglperiod
Formal Loans F7.15 Is there a set period for the loan? Y/N
ofglperiodmnths
Formal Loans F7.16 If yes, how many months? NUMBER
ofglpayhow
Formal Loans F7.17 How do you pay? CHOOSE from list.
ofglcollateral
Formal Loans F7.18 What collateral did you have to offer? CHOOSE from list.
ofglfeesother
Formal Loans F7.19 Are there other fees? Y/N
ofglfeestype
Formal Loans F7.20 What are they for? CHOOSE from list.
ofglouttype
Formal Loans F7.21 How do you get paid out? CHOOSE from list.
ofgltrans
Formal Loans F7.22 If you have to travel to get paid or cash a cheque, how do
ofgltranstime
Formal Loans F7.23 How much time does it take to get there? CHOOSE from list.
ofgltranscost
Formal Loans F7.24 What were the transport costs one-way? RAND
ofglpaiddate
Formal Loans F7.25 When did you pay it off? DD/MM/YY
ofglopenbal
Formal Loans F7.26 What is the current Balance?
ofglendwhy
Formal Loans Reason Ended
ofglend
Formal Loans End
osglwho
Stokvel Loans F7.3 Who is the loan form?
osgltype
Stokvel Loans F7.8 What type of loan was it? CHOOSE from list.
osgltypeper
Stokvel Loans F7.9 If personal or emergency, what is it used for? CHOOSE from l
osglamnt
Stokvel Loans F7.10 What was the loan amount? RAND
osglint
Stokvel Loans F7.11 What is the interest rate per month? % or RAND/month
osglpremfreq
Stokvel Loans F7.12 What is the frequency of the payments?
osglpremamnt
Stokvel Loans F7.13 What are the payments each time? RAND
osglamor
Stokvel Loans F7.14 Is the loan interest amortised?
osglperiod
Stokvel Loans F7.15 Is there a set period for the loan? Y/N
osglperiodmnths
Stokvel Loans F7.16 If yes, how many months? NUMBER
osglpayhow
Stokvel Loans F7.17 How do you pay? CHOOSE from list.
osglcollateral
Stokvel Loans F7.18 What collateral did you have to offer? CHOOSE from list.
osglfeesother
Stokvel Loans F7.19 Are there other fees? Y/N
osglfeestype
Stokvel Loans F7.20 What are they for? CHOOSE from list.
osglouttype
Stokvel Loans F7.21 How do you get paid out? CHOOSE from list.
osgltrans
Stokvel Loans F7.22 If you have to travel to get paid or cash a cheque, how do
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