Programas de la Fundación Salesiana.

Variable Description Source File

Age Age of the client when Surveyed Esperanza Data Base: Current Clients file Education Education, Scale 1-5: 1, Illiterate; 2,

Elementary; 3 Middle School; 4, Some/all of High School; 5, Some/all of University or Technical School

Esperanza DATA BASE: Current Clients file Vocational Training Vocational Training Esperanza DATA

BASE: Client Survey Dependents,

Elementary

Number of Dependents in Elementary School

Cornell Survey Water, Access Household Access to Water, Scale 1-3:

1, Always; 2, Sometimes; 3, Never

Cornell Survey Haitian Relatives Whether the Client has any Haitian

Relatives

Cornell Survey Income Source, Own

Business

Greatest Income Source: Own business (omitted variable, remittances or no regular income)

Cornell Survey Income Source, Paid

Work

Greatest Income Source: Paid Work (omitted variable, remittances or no regular income)

Cornell Survey Religious Rating Self described religious sense, Scale

1(not Religious) to 8 (Very Religious)

Cornell Survey Community

Involvement

Involvement in "Solving Community Problems" 1, always; 2, often; 3, sometimes; 4, never

Cornell Survey Amount Disbursed Size of Loan Cornell Survey Length of Loan Length of Loan Cornell Survey Effective Interest Rate Effective Interest Rate Cornell Survey Voluntary Savings Voluntary Savings Cornell Survey Esperanza Health

Services

Size of Loan Cornell Survey Industry Primary Business: Industry Cornell Survey Service Primary Business: Service Cornell Survey Agriculture Primary Business: Agriculture Cornell Survey Loan, Productive

Investment

Loan Investment: Productive short- term (i.e. ingredients, machinery, or equipment that you will replace multiple times within one year) OR Productive long-term ( i.e. ingredients, machinery, or equipment that you will only have to buy once in a year. Note: Some Clients selected multiple entries

Cornell Survey: Demand Supplement

Monthly Sales, 0-5000 Pesos DR

Reported Monthly Business Sales Esperanza DATA BASE: Client Survey Monthly Sales, 5000-

10000 Pesos DR

Reported Monthly Business Sales Esperanza DATA BASE: Client Survey Monthly Sales, 10000-

15000 Pesos DR

Reported Monthly Business Sales Esperanza DATA BASE: Client Survey Monthly Sales, 15000-

20000 Pesos DR

Reported Monthly Business Sales Esperanza DATA BASE: Client Survey Monthly Sales, 20000

or more Pesos DR

Reported Monthly Business Sales Esperanza DATA BASE: Client Survey Loans Obtained Prior

to Survey, Sum Pesos DR

Sum of Esperanza Loans Taken Prior to survey

Esperanza DATA BASE: Loan Information Loans Received Prior

to Survey, Number

Number of Loans Received From formal financial institutions

Cornell Survey Loan Paid Late Have they Ever repaid a loan late to a

family member, friend, moneylender, NGO, or Bank

Cornell Survey Debt Scale How would they rate their level of

debt. , Very Low or Low; 2, Manageable; 3, High or very High

Cornell Survey Rationing, Esperanza Esperanza has lent them less than they

wanted: 1, Strongly Disagree; 2, Disagree; 3, Neutral; 4, Agree; 5, Strongly Agree.

Cornell Survey

Credit Necessary to Purchase Sufficient Food

If the client faced a borrowing constraint, they would not be able to acquire adequate food through the year. Agree or Strongly Agree. (omitted variables, Neutral, Disagree, or Strongly Disagree).

Cornell Survey

Credit Rationing, Consumption

The Client is able to borrow the needed amount of money from development organizations and banks for

consumption, education and health purposes. 1, Strongly Disagree; 2, Disagree; 3, Neutral; 4, Agree; 5, Strongly Agree.

Cornell Survey

Credit Rationing, Business

The Client is able to borrow the needed amount of money from development organizations and banks for business purposes. 1, Strongly Disagree; 2, Disagree; 3, Neutral; 4, Agree; 5, Strongly Agree.

Cornell Survey

Willingness to Take Risks

The client is willing to take risks to increase the chance of higher profits. 1(Not willing to take risks) to 5 (Willing to take risks)

Cornell Survey

Interest Rate Aware The client was able reported an interest rate on their loan, as opposed to leaving it blank.

Increase Rate, Borrow the Same

The client would borrow the same amount if the interest rate on their loan increased (omitted variable, borrow more)

Cornell Survey: Demand Supplement Increase Rate, Borrow

More

The client would borrow less if the interest rat eon their loan increased (omitted variable, borrow more)

Cornell Survey: Demand Supplement Decreased Rate,

Borrow More

The client would borrow more if the interest rate on their loan decreased (omitted variables, borrow the same or less)

Cornell Survey: Demand Supplement Annual Savings, 0-

5percent

Annual Savings, 0-5% of Income (omitted variable, More than 10%)

Cornell Survey Annual Savings, 5-

10percent

Annual Savings, 5-10% of Income (omitted variable, More than 10%)

Cornell Survey Accumulated Savings,

0-500 Pesos DR

Savings, Pesos (omitted variable Savings more than 1000 Pesos)

Esperanza DATA BASE: Client Survey Accumulated Savings,

500-1000 Pesos DR

Savings, Pesos (omitted variable Savings more than 1000 Pesos)

Esperanza DATA BASE: Client Survey Treatment A, Interest

rate in Descending Order

In the Demand Supplement, Interest Rates decreased from 8% monthly to 0% monthly Cornell Survey: Demand Supplement Survey, Immediately Following Bank Meeting

Whether the Interview occurred during or immediately after a meeting

Cornell Survey Variant – Actual Loan,

Difference

Difference Between Demand Variant Base, and Actual Loan Size

Cornell Survey: Demand Supplement; Esperanza DATA BASE: Loan Information

Branch Branch Cornell Survey

Interviewer Interviewer Cornell Survey Time between Surveys Time between Cornell and Esperanza

Surveys

Cornell Survey; Esperanza DATA BASE: Client Survey Responsed “No” to all

answers

Client Responded "No" to all loans proposed in any of the demand supplement questions

Cornell Survey: Demand Supplement

APPENDIX B SURVEY INSTRUMENTS

B.1: Cornell Survey Instrument, English (Questions in bold have been