H8c. For what reasons were you refused the loan? Multiple responses possible. -1 Did not have a down payment -2 Did not have a bank account Did not have a credit history/references -3 -4 Had bad credit history -5 Had too many other debts Did not have proof of a permanent address -6 -7 Did not have proof of sufficient income -8 Did not have an identity document -9 Couldn’t provide security/collateral No business plan -1 -1 - SECTION I: RISK MANAGEMENT AND INSURANCE Ask all. I1a. Unexpected things sometimes happen that affect your income. Did you experience... (read out risks) in the past 12 months? Single mention per experience. I1b. For those experienced (code -1 in I1a): How did you cope financially? Showcard I1b. Multiple mentions possible. Risk I1a. I1b. Coping mechanism Experienced -1 Claimed insurance in the past -2 Used savings 12 months? -3 Borrowed money -4 Sold something to get money -5 Cut down expenses Yes No -6 Did nothing -7 Other Increase in household size (more dependents relying on household income) -1 -2 -2 -3 -4 -5 -6 - 7 -7 Death of or loss of income from main income earner -1 -2 -1 -2 -3 -4 -5 -6 -7 Death of other family member not main income earner -1 -2 -1 -2 -3 -4 -5 -6 Illness within your household or family that requires medical expenses -1 -2 -1 -2 -3 -4 -5 -6 -7 -7 Separation or divorce -1 -2 -2 -3 -4 -5 -6 -7 Disability - self or household member -1 -2 -1 -2 -3 -4 -5 -6 Having to pay unforeseen school/education fees -1 -2 -2 -3 -4 -5 -6 -7 -7 Loss of job - self or household member -1 -2 -1 -2 -3 -4 -5 -6 -7 Fire or destruction of household property -1 -2 -1 -2 -3 -4 -5 -6
H8c. For what reasons were you refused the loan? Multiple responses possible. Did not have a down payment -1 Did not have a bank account -2 Did not have a credit history/references -3 Had bad credit history -4 Had too many other debts -5 Did not have proof of a permanent address -6 Did not have proof of sufficient income -7 Did not have an identity document -8 Couldn’t provide security/collateral -9 No business plan -1 -1 - SECTION I: RISK MANAGEMENT AND INSURANCE Ask all. I1a. Unexpected things sometimes happen that affect your income. Did you experience... (read out risks) in the past 12 months? Single mention per experience. I1b. For those experienced (code -1 in I1a): How did you cope financially? Showcard I1b. Multiple mentions possible. Risk I1a. Experienced in the past 12 months? I1b. Coping mechanism -1 Claimed insurance -2 Used savings -3 Borrowed money -4 Sold something to get money -5 Cut down expenses -6 Did nothing -7 Other Yes No Increase in household size (more dependents relying on household income) -1 -2 -2 -3 -4 -5 -6 - 7 Death of or loss of income from main income earner -1 -2 -1 -2 -3 -4 -5 -6 -7 Death of other family member not main income earner -1 -2 -1 -2 -3 -4 -5 -6 -7 Illness within your household or family that requires medical expenses -1 -2 -1 -2 -3 -4 -5 -6 -7 Separation or divorce -1 -2 -2 -3 -4 -5 -6 -7 Disability - self or household member -1 -2 -1 -2 -3 -4 -5 -6 -7 Having to pay unforeseen school/education fees -1 -2 -2 -3 -4 -5 -6 -7 Loss of job - self or household member -1 -2 -1 -2 -3 -4 -5 -6 -7 Fire or destruction of household property -1 -2 -1 -2 -3 -4 -5 -6 -7
141031-Laos-Questionnaire-Draft-V5_Eng.docx