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Namibia Financial Inclusion Survey
2017

Namibia, 2017
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Reference ID
NAM_NSA_2017_NFIS V4
Producer(s)
Namibia Statistics Agency
Metadata
DDI/XML JSON
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Aug 05, 2024
Last modified
Apr 25, 2025
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Data file: 2017 NFIS MAIN DATASET

Cases: 1863
Variables: 1072

Variables

Q68_O4
Q68_4 What would help improve the lives of people in the community
Q68_O5
Q68_5 What would help improve the lives of people in the community
Q68_O6
Q68_6 What would help improve the lives of people in the community
Q68_O7
Q68_7 What would help improve the lives of people in the community
Q68_O8
Q68_8 What would help improve the lives of people in the community
Q68_other
Q68_8 What would help improve the lives of people in the community (other specif
Q69
Q69 Ease of keeping up with financial commitments as an individual
Q70
Q70 Frequency of income received lasting until next time income is received
Q71_O1
Q71_1 Action taken when money runs out
Q71_O2
Q71_2 Action taken when money runs out
Q71_O3
Q71_3 Action taken when money runs out
Q71_O4
Q71_4 Action taken when money runs out
Q71_O5
Q71_4 Action taken when money runs out (other specified)
Q72
Q72 Ease of paying accounts and meeting other financial commitments
Q73A
Q73a Agree/Disagree: You buy things even if you cannot afford them
Q73B
Q73b Agree/Disagree: You would rather buy something on credit than waiting to sa
Q73C
Q73c Agree/Disagree: You consider yourself organised when it comes to managing y
Q73D
Q73d Agree/Disagree: You consider yourself a saver rather than a spender
Q73E
Q73e Agree/Disagree: You like to be in control of your finances and money matter
Q73F
Q73f Agree/Disagree: You often have to spend more money than what you have avail
Q73G
Q73g Agree/Disagree: Dealing with finances is stressful
Q73H
Q73h Agree/Disagree: You are impulsive in terms of spending money
Q74_1
Q74.1 Frequency of keeping record of income
Q74_2
Q74.2 Frequency of keeping record of spending
Q75
Q75 Frequency of saving
Q76
Q76 Does respondent and/or household plan spending of income in order for it to
Q77_1
Q77.1 Is plan changed in case of unexpected expenditure?
Q77_2
Q77.2 Frequency of sticking to this plan
Q77_3
Q77.3 Do you have a general plan that you use every time, or do you make a new p
Q78
Q78 When income is received, are certain things prioritised in terms of spending
Q79_O1
Q79 _1 Three items paid for or bought when money is received
Q79_O2
Q79 _2 Three items paid for or bought when money is received
Q79_O3
Q79 _3 Three items paid for or bought when money is received
Q79_other
Q79 _3 Three items paid for or bought when money is received (other)
Q80A
Q80a Agree/Disagree: You will go without certain things to be able to save
Q80B
Q80b Agree/Disagree: You believe that you have to save for difficult times, even
Q80C
Q80c Agree/Disagree: You believe it is better to save where your money is safe t
Q81A
Q81a Agree/Disagree: When you buy something on credit, you will find that it end
Q81B
Q81b Agree/Disagree: You avoid borrowing money if you can
Q81C
Q81c Agree/Disagree: If you borrow money, it is okay to pay it back a little bit
Q81D
Q81d Agree/Disagree: It is okay to borrow money to pay back outstanding debt
Q81E
Q81e Agree/Disagree: You have a good idea of the amount of interest that you pay
Q81F
Q81f Agree/Disagree: Being able to borrow money when you need it is more importa
Q81G
Q81g Agree/Disagree: It is better to have debt, than to sell something in order
Q81H
Q81h Agree/Disagree: It is better to keep your savings than to use it to pay off
Q82_O1
Q82_1 Financial product awareness
Q82_O2
Q82_2 Financial product awareness
Q82_O3
Q82_3 Financial product awareness
Q82_O4
Q82_4 Financial product awareness
Q82_O5
Q82_5 Financial product awareness
Q82_O6
Q82_6 Financial product awareness
Q82_O7
Q82_7 Financial product awareness
Q82_O8
Q82_8 Financial product awareness
Q82_O9
Q82_9 Financial product awareness
Q82_other
Q82_10 Financial product awareness (other specified)
Q83_1_O1
Q83.1 Financial institutions awareness
Q83_1_O2
Q83.2 Financial institutions awareness
Q83_1_O3
Q83.3 Financial institutions awareness
Q83_1_O4
Q83.4 Financial institutions awareness
Q83_1_O5
Q83.5 Financial institutions awareness
Q83_1_O6
Q83.6 Financial institutions awareness
Q83_1_O7
Q83.7 Financial institutions awareness
Q83_1_O8
Q83.8 Financial institutions awareness
Q83_1_O9
Q83.9 Financial institutions awareness
Q84_1
Q84.1 Knowledge rating: Banking products
Q84_2
Q84.2 Knowledge rating: Life insurance products
Q84_3
Q84.3 Knowledge rating: Short term insurance products
Q84_4
Q84.4 Knowledge rating: Medical aid fund products
Q84_5
Q84.5 Knowledge rating: Pension fund products
Q84_6
Q84.6 Knowledge rating: Provident fund products
Q84_7
Q84.7 Knowledge rating: Investment products
Q84_8
Q84.8 Knowledge rating: Friendly society products
Q84_9
Q84.9 Knowledge rating: Unit trust management products
Q84_10
Q84.10 Knowledge rating: Microlender products
Q84_11
Q84.11 Knowledge rating: Savings bank products
Q84_12
Q84.11 Knowledge rating: Savings bank products
Q85
Q85 Have you ever obtained a formal financial product?
Q86
Q86 When getting a financial product, do you ask for a copy of the contract?
Q87
Q87 Did you receive a copy of the contract or terms and conditions upon obtainin
Q88
Q88 If you received a contract in the last 6 months, did you read it, or was it
Q89
Q89 Degree of understanding of contracts obtained and read in the past 6 months
Q90_1
Q90.1 Frequency of reading economic section of the newspapers
Q90_2
Q90.2 Frequency of listening to economic talks or programmes on radio
Q90_3
Q90.3 Frequency of watching economic proggrammes on television
Q91
Q91 Degree of interest in economic matters
Q92_O1
Q92_1 Sources of financial information for important financial decisions
Q92_O2
Q92_2 Sources of financial information for important financial decisions
Q92_O3
Q92_3 Sources of financial information for important financial decisions
Q92_O4
Q92_4 Sources of financial information for important financial decisions
Q92_O5
Q92_5 Sources of financial information for important financial decisions
Q92_other
Q92_6 Sources of financial information for important financial decisions (other
Q93_O1
Q93_1 Where large sum of money received would be kept
Q93_O2
Q93_2 Where large sum of money received would be kept
Q93_O3
Q93_3 Where large sum of money received would be kept
Q94A
Q94a Agree/Disagree: Insurance is for rich people
Q94B
Q94b Agree/Disagree: Insurance is for people with valuable assets
Q94C
Q94c Agree/Disagree: Insurance is a way of saving on a long term basis
Q94D
Q94d Agree/Disagree: Being insured stops you from worrying about losing things o
Q94E
Q94e Agree/Disagree: Insurance is costly
Q94F
Q94f Agree/Disagree: There is a lack of low insurance products
Q95_O1
Q95_1 Money matters most concerned about
Q95_O2
Q95_2 Money matters most concerned about
Q95_O3
Q95_3 Money matters most concerned about
Q95_O4
Q95_4 Money matters most concerned about
Q95_O5
Q95_5 Money matters most concerned about
Q95_Other
Q95_6 Money matters most concerned about (other specified)
Q96
Q96 What does it mean to save?
Q97
Q97 Do you save or put money away when you can?
Q98_O1
Q98_1 Reasons for not saving or putting money away
Q98_O2
Q98_2 Reasons for not saving or putting money away
Q99_1A
Q99.1a Savings product/mechanism ownership: Savings at a bank
Q99_2A_1
Q99.2a.1 Savings product/mechanism ownership: Savings at a bank
Q99_2A_2
Q99.2a.2 Savings product/mechanism institution: Savings at a bank
Q99_2A_3
Q99.2a.3 Savings product/mechanism institution: Savings at a bank
Q99_1B
Q99.1b Savings product/mechanism ownership: Savings at another financial institu
Q99_2B_1
Q99.2b.1 Savings product/mechanism institution: Savings at another financial ins
Q99_2B_2
Q99.2b.2 Savings product/mechanism institution: Savings at another financial ins
Q99_2B_3
Q99.3b.3 Savings product/mechanism institution: Savings at another financial ins
Q99_1C
Q99.1c Savings product/mechanism ownership: Savings in Treasury Bills or Bonds
Q99_1D
Q99.1d Savings product/mechanism ownership: Unit Trusts
Q99_2D_1
Q99.2d.1 Savings product/mechanism institution: Unit Trusts
Q99_2D_2
Q99.2d.2 Savings product/mechanism institution: Unit Trusts
Q99_2D_3
Q99.2d.3 Savings product/mechanism institution: Unit Trusts
Q99_1E
Q99.1e Savings product/mechanism ownership: Pension fund
Q99_2E_1
Q99.2e.1 Savings product/mechanism institution: Pension fund
Q99_2E_2
Q99.2e.2 Savings product/mechanism institution: Pension fund
Q99_2E_3
Q99.2e.3 Savings product/mechanism institution: Pension fund
Q99_2E_Other
Q99.2e Savings product/mechanism institution: Pension fund (other specified)
Q99_1F
Q99.1f Savings product/mechanism ownership: Provident fund
Q99_2F_1
Q99.2f.1 Savings product/mechanism institution: Provident fund
Q99_2F_2
Q99.2f.2 Savings product/mechanism institution: Provident fund
Q99_1G
Q99.1g Savings product/mechanism ownership: Retirement annuity
Q99_2G_1
Q99.2g.1Savings product/mechanism institution: Retirement annuity
Q99_2G_2
Q99.2g.2 Savings product/mechanism institution: Retirement annuity
Q99_2G_3
Q99.2g.3 Savings product/mechanism institution: Retirement annuity
Q99_1H
Q99.1h Savings product/mechanism ownership: Preservation fund (from previous emp
Q99_2H_1
Q99.2h.1 Savings product/mechanism institution: Preservation fund (from previous
Q99_2H_2
Q99.2h.2 Savings product/mechanism institution: Preservation fund (from previous
Q99_1I
Q99.1i Savings product/mechanism ownership: Education policy/plan
Q99_2I_1
Q99.2i.1 Savings product/mechanism institution: Education policy/plan
Q99_2I_2
Q99.2i.2 Savings product/mechanism institution: Education policy/plan
Q99_1J
Q99.1j Savings product/mechanism ownership: Investments / Saving Policy
Q99_2J_1
Q99.2j.1 Savings product/mechanism institution: Investments / Saving Policy
Q99_2J_2
Q99.2j.2 Savings product/mechanism institution: Investments / Saving Policy
Q99_2J_3
Q99.2j.3 Savings product/mechanism institution: Investments / Saving Policy
Q99_1K
Q99.1k Savings product/mechanism ownership: Endowment policy with death/disabili
Q99_2K_1
Q99.2k.1 Savings product/mechanism institution: Endowment policy with death/disa
Q99_2K_2
Q99.2k.2 Savings product/mechanism institution: Endowment policy with death/disa
Q99_2K_3
Q99.2k.3 Savings product/mechanism institution: Endowment policy with death/disa
Q99_1L
Q99.1l Savings product/mechanism ownership: GIPF
Q99_1M
Q99.1m Savings product/mechanism ownership: Savings in a saving group/club
Q99_1N
Q99.1n Savings product/mechanism ownership: Savings with someone in community wh
Q99_1O
Q99.1o Savings product/mechanism ownership: Savings with someone in household/fa
Q99_1P
Q99.1p Savings product/mechanism ownership:: Savings with a community organizati
Q99_1Q
Q99.1q Savings product/mechanism ownership: Savings at home
Q99_1R
Q99.1r Savings product/mechanism ownership: Savings by buying an asset like live
Q100_O1
Q100_1 Factors considered when choosing savings product/method
Q100_O2
Q100_2 Factors considered when choosing savings product/method
Q100_O3
Q100_3 Factors considered when choosing savings product/method
Q100_O4
Q100_4 Factors considered when choosing savings product/method
Q100_O5
Q100_5 Factors considered when choosing savings product/method
Q100_O6
Q100_6 Factors considered when choosing savings product/method
Q100_O7
Q100_7 Factors considered when choosing savings product/method
Q100_other
Q100_8 Factors considered when choosing savings product/method (Others specified
Q101_1
Q101.1 Did you borrow money during the past 6 months?
Q101_2
Q101.2 Have you been paying back money that you borrowed during the past 6 month
Q101_3
Q101.3 Did you get goods or services in advance that you have to pay for later d
Q102_O1
Q102_1 Reasons for not borrowing money or taking goods or services on credit
Q102_O2
Q102_2 Reasons for not borrowing money or taking goods or services on credit
Q102_O3
Q102_3 Reasons for not borrowing money or taking goods or services on credit
Q102_O4
Q102_4 Reasons for not borrowing money or taking goods or services on credit
Q103_1A
Q103.1a Have done in the past 6 months: Borrowed money from a bank
Q103_2A
Q103.2a Amount of credit from - bank
Q103_3A
Q103.3a Outstanding amount of credit from - bank
Q103_1B
Q103.1b Have done in the past 6 months: Borrowed money from another financial in
Q103_2B
Q103.2b Amount of credit from - another financial institution
Q103_3B
Q103.3b Outstanding amount of credit from - another financial institution
Q103_1C
Q103.1c Have done in the past 6 months: Got a loan from Government Scheme
Q103_2C
Q103.2c Amount of credit from - another financial institution
Q103_3C
Q103.3c Outstanding amount of credit from - another financial institution
Q103_1D
Q103.1d Have done in the past 6 months: Employer
Q103_2D
Q103.2d Amount of credit from - Employer
Q103_3D
Q103.3b Outstanding amount of credit from - Employer
Q103_4D_1
Q103.4d1 Reason for choosing this source/sources of borrowing - Employer
Q103_4D_2
Q103.4d2 Reason for choosing this source/sources of borrowing -Employer
Q103_1E
Q103.1e Have done in the past 6 months: Borrowed money from family/friends - had
Q103_2E
Q103.2e Amount of credit from - Borrowed money from family/friends - had to pay
Q103_3E
Q103.3e Outstanding amount of credit from - Borrowed money from family/friends -
Q103_4E_1
Q103.4e1 Reason for choosing this source/sources of borrowing - Borrowed money f
Q103_4E_2
Q103.4e2 Reason for choosing this source/sources of borrowing - Borrowed money f
Q103_1F
Q103.1f Have done in the past 6 months: Borrowed money from family/friends - did
Q103_2F
Q103.2f Amount of credit from - did not have to pay back
Q103_3F
Q103.3f Outstanding amount of credit from - did not have to pay back
Q103_4f_1
Q103.4f1 Reason for choosing this source/sources of borrowing - did not have to
Q103_4f_2
Q103.4f2 Reason for choosing this source/sources of borrowing - did not have to
Q103_1G
Q103.1g Have done in the past 6 months: Borrowed money from savings group
Q103_2G
Q103.2g Amount of credit from - Borrowed money from savings group
Q103_3G
Q103.3g Outstanding amount of credit from - Borrowed money from savings group
Q103_4G_1
Q103.4g1 Reason for choosing this source/sources of borrowing - Borrowed money f
Q103_4G_2
Q103.4g2 Reason for choosing this source/sources of borrowing - Borrowed money f
Q103_1H
Q103.1h Have done in the past 6 months: Borrowed money from a money lender in th
Q103_2H
Q103.2b Amount of credit from - Money lender in the community or a cash loan len
Q103_3H
Q103.3h Outstanding amount of credit from - Money lender in the community or a c
Q103_4H1
Q103.4h1 Reason for choosing this source/sources of borrowing - Money lender in
Q103_4H2
Q103.4h2 Reason for choosing this source/sources of borrowing - Money lender in
Q103_1I
Q103.1i Have done in the past 6 months: Borrowed money/got goods in advance from
Q103_2I
Q103.2i Amount of credit from - Borrowed money/got goods in advance from an agri
Q103_3I
Q103.3i Outstanding amount of credit from - Borrowed money/got goods in advance
Q103_4I_1
Q103.4i1 Reason for choosing this source/sources of borrowing - Borrowed money/g
Q103_4I_2
Q103.4i2 Reason for choosing this source/sources of borrowing - Borrowed money/g
Q103_1J
Q103.1j Have done in the past 6 months: Farmers organisation
Q103_2J
Q103.2j Amount of credit from - Farmers organisation
Q103_3J
Q103.3j Outstanding amount of credit from - Farmers organisation
Q103_4J_1
Q103.4j1 Reason for choosing this source/sources of borrowing - Farmers organisa
Q103_4J_2
Q103.4j2 Reason for choosing this source/sources of borrowing - Farmers organisa
Q103_1K
Q103.1k Have done in the past 6 months: Borrowed money from a church or other co
Q103_2K
Q103.2k Amount of credit from - Borrowed money from a church or other community
Q103_3K
Q103.3k Outstanding amount of credit from - Borrowed money from a church or othe
Q103_4K_1
Q103.4k1 Reason for choosing this source/sources of borrowing - Borrowed money f
Q103_4K_2
Q103.4k2 Reason for choosing this source/sources of borrowing - Borrowed money f
Q103_1L
Q103.1l Have done in the past 6 months: Got goods in advance/borrowed money from
Q103_2L
Q103.2l Amount of credit from - Cuca shop
Q103_3L
Q103.l1 Outstanding amount of credit from - Cuca shop
Q103_4L1
Q103.4l1 Reason for choosing this source/sources of borrowing - Cuca shop
Q103_4L2
Q103.4l2 Reason for choosing this source/sources of borrowing - Cuca shop
Q103_1M
Q103.1m Have done in the past 6 months: Bought goods with a store card such as E
Q103_2M
Q103.2m Amount of credit from - Store card
Q103_3M
Q103.3m Outstanding amount of credit from - Store card
Q103_4M1
Q103.4m1 Reason for choosing this source/sources of borrowing - Store card
Q103_4M2
Q103.4m2 Reason for choosing this source/sources of borrowing - Store card
Q104_O1
Q104. Reasons for borrowing money
Q104_O2
Q104. Reasons for borrowing money
Q104_O3
Q104. Reasons for borrowing money
Q104_O4
Q104. Reasons for borrowing money
Q104_other
Q104. Reasons for borrowing money (other specified)
Q105_1
Q105.1 Sought debt counselor services
Q105_2
Q105.2 Was debt counselor services helpful?
Q105_3_O1
Q105.3 Why the debt counselor services were not helpful?
Q107
Q107 Have you applied for a loan in than past 6 months?
Q108
Q108 Have you been refused a loan in the past 6 months?
Q109
Q109_1 Reason for being refused the loan
Q109_other
Q109_1 Reason for being refused the loan (other specified)
Q110_O1
Q107_1 Factors considered when choosing a loan product or source of borrowing
Q110_O2
Q107_2 Factors considered when choosing a loan product or source of borrowing
Q110_O3
Q107_3 Factors considered when choosing a loan product or source of borrowing
Q110_O4
Q107_4 Factors considered when choosing a loan product or source of borrowing
Q110_O5
Q107_5 Factors considered when choosing a loan product or source of borrowing
Q110_O6
Q107_6 Factors considered when choosing a loan product or source of borrowing
Q110_O7
Q107_7 Factors considered when choosing a loan product or source of borrowing
Q110_other
Q107_7 Factors considered when choosing a loan product or source of borrowing (o
Q111_1_O1
Q111.1a Unexpected risks in the past 6 months: Increase in household size; more
Q111_1_O2
Q111.1b Unexpected risks in the past 6 months:Loss of income from income earner
Q111_1_O3
Q111.1c Unexpected risks in the past 6 months: Illness within your household or
Q111_1_O4
Q111.1d Unexpected risks in the past 6 months: Having to pay unforeseen school/e
Q111_1_O5
Q111.1e Unexpected risks in the past 6 months: Loss of your home
Q111_1_O6
Q111.1f Unexpected risks in the past 6 months: Loss of your savings
Q111_1_O7
Q111.1g Unexpected risks in the past 6 months: Damage to your home/loss of valua
Q111_1_O8
Q111.1h Unexpected risks in the past 6 months: Harvest failure or losses of crop
Q111_1_O9
Q111.11 Unexpected risks in the past 6 months: Death or illness of livestock
Q111_1_O10
Q111.1j Unexpected risks in the past 6 months: Low selling prices of products yo
Q111_1_O11
Q111.1k Unexpected risks in the past 6 months: Rise in living costs such as rent
Q111_1_O12
Q111.1l Unexpected risks in the past 6 months: Rise in interest rates (thinking
Q111_1_O13
Q111.1m Unexpected risks in the past 6 months: Other natural disasters (flood, e
Q111_1_O14
Q111.1n Unexpected risks in the past 6 months: Other (please specify:)
Q111_1_O15
Q111.1o Unexpected risks in the past 6 months: Someone in your family or close t
Q111_1_O16
Q111.1a Unexpected risks in the past 6 months: None
Q111_2_O1
Q111.2a Coping Method: Increase in household size; more dependents relying on ho
Q111_2_O2
Q111.2b Coping Method: Loss of income from income earner
Q_436_O2
Q_436_O3
Q_436_O4
Q_436_O5
Q_436_O6
Q_436_O7
Q_436_O8
S_436_7
Q111_2_O3
Q111.2c Coping Method: Illness within your household or family that required med
Q_437_O2
Q_437_O3
Q_437_O4
Q_437_O5
Q_437_O6
Q_437_O7
Q_437_O8
S_437_7
Q111_2_O4
Q111.2d Coping Method: Having to pay unforeseen school/education fees
Q_438_O2
Q_438_O3
Q_438_O4
Q_438_O5
Q_438_O6
Q_438_O7
Q_438_O8
S_438_7
Q111_2_O5
Q111.2e Coping Method: Loss of your home
Q_439_O2
Q_439_O3
Q_439_O4
Q_439_O5
Q_439_O6
Total: 1072
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