Indonesia - Identifying Combined Effects of Financial Education on Migrant Households in Indonesia , Randomized Experiment

Transcription

1 Microdata Library Indonesia - Identifying Combined Effects of Financial Education on Migrant Households in Indonesia , Randomized Experiment David McKenzie - World Bank, Bilal Zia - World Bank, Yoko Doi - World Bank Report generated on: April 2, 2015 Visit our data catalog at: 1

2 2

3 Sampling Sampling Procedure The recruitment of respondents was conducted on a rolling basis, with the project team periodically contacting the 11 PPTKIS (Privately-owned Indonesian Manpower Placement Company) to obtain lists of workers originating in the Greater Malang and Blitar districts who were recruited by these companies to work abroad. The PPTKIS selected workers who were either staying in their dormitory facilities while undergoing training, or otherwise lived close by. These PPTKIs recruit both males and females, but the males typically do not come and stay in dormitory accommodation, so males were only selected if they lived nearby. They did not screen workers for interest in participating in training, so the workers should be considered as broadly representative of Indonesian female migrants. Researchers set a target sample size of 400 households, and continued to collect workers in batches from these recruiting agencies until this target had been met. As batches of worker names were received from the PPTKIS, they were entered by project staff onto an Excel worksheet in the order listed by the PPTKIS, and a random number generator used to assign individuals to a treatment status. Since batches of workers were often not of size divisible by four, and were of varying numbers, and that the only information available on the workers was basic data supplied by the PPTKIS, the research team did not stratify the randomization. The sample of 400 migrant workers was randomly assigned into one of the following groups: - Treatment A: Financial literacy training is provided to the migrant worker only - Treatment B: Financial literacy training is provided to the migrant worker's household member only - Treatment C: Financial literacy training is provided separately to both the migrant workers and to their household members - Group D: Control group with no financial literacy training provided Out of the sample of 400 migrant workers, this random assignment resulted in 101 migrant households being assigned to treatment A, 97 - to treatment B, 98 - to treatment C, and to a control group. 3

4 Questionnaires No content available 4

5 Data Collection Data Collection Dates Start End Cycle N/A Data Collection Mode Face-to-face [f2f] DATA COLLECTION NOTES The financial training program worked with 400 Indonesian migrant workers and their households. Almost all of the workers were women, about to go abroad to work as housemaids in Hong Kong, Malaysia, Singapore, and Taiwan. Before they go abroad, their recruiting agencies typically provide some training on job-related matters. The training consisted of 2 days (18 hours) for the migrant worker and/or 2 half-days (8 hours) for their family member. Training covered financial planning and management, budgeting, savings, debt management, sending and receiving remittances, and understanding insurance, all adapted to the local context. Training was designed to be participative, interactive, and applied, and included comic books, brochures, and budget templates. Attendance was high, with 76-91% of those invited attending. The baseline surveys were conducted on a rolling basis from February to June 2010 to coincide with the training cycle. The baseline survey was directed at the family member of the migrant who would be responsible for receiving remittances and for household decision-making in their absence. In cases where the family member attended training, interviews were done at the training location prior to the commencement of training. For the control group, migrant-training only group, and cases in the other treatments where the family member was invited but didn't show up for training, interviews were done at the dwelling of the household. Three rounds of follow-up surveys were conducted via in-person interviews. The first follow-up survey took place in March 2011 and interviewed 392 of the 400 households (98%). The second follow-up survey took place in September 2011, and successfully re-interviewed 376 of the 400 households (94%). The third and final follow-up survey took place in January 2012 and interviewed 365 households (91%). The follow-up surveys were aimed at the family member in charge of receiving remittances and making financial decisions in the household, and effort was made to re-interview the same member each follow-up round. 5

6 Data Processing No content available 6

7 Data Appraisal No content available 7

8 File Description 8

9 Variable List 9

10 baseline_data Content Cases 390 Variable(s) 203 Structure Type: Keys: () Version Producer Missing Data Variables ID Name Label Type Format Question V11 id ID Responden character V12 gelombang_bl Gelombang character V13 kelompok_bl Kelompok character V14 treatment Perlakuan character V15 nomer_bl Nomer character V16 tanggal_bl Interviewer date character V17 hub_dgn_tki_bl Respondent relationship with migrant worker character V18 fungsi_bl Function of respondent numeric V19 hubungan_bl Remittance manager : Relationship with migrant worker character V20 rt_bl RT contin numeric V21 rw_bl RW contin numeric V22 b1_bl Respondent relationship with migrant worker V23 b1_lainnya_bl Respondent relationship with migrant worker : Other V24 b2_bl How many household member do live together numeric What is your relative to the migrant? character What is your relative to the migrant? numeric How many families currently living together at the same house? V25 b3_bl Age of respondent contin numeric Respondent's age V26 b4_bl Gender of respondent numeric Respondent's gender V27 b5_bl Marital status of respondent numeric Respondent's marital status V28 b6_bl If married, How many children do you have numeric If you have married, do you have any kids? V29 b6_anak_bl B6 Berapa anaknya? numeric If you have married, do you have any kids? V30 b7_bl Highest education level numeric What is your highest grade completed? V31 b8_bl Main occupation numeric What is your main job? V32 b8_lainnya_bl Main occupation : Other character What is your main job? V33 b9_a_bl Average of total income in the last year from : wage/salary contin numeric In average, what is the total amount of (...) your family received within a year? From wage/salary 10

11 ID Name Label Type Format Question V34 b9_b_bl Average of total income in the last year from : non agriculture business V35 b9_c_bl Average of total income in the last year from : Remittance V36 b9_d_bl Average of total income in the last year from : additional income (pension, rent contin numeric In average, what is the total amount of (...) your family received within a year? From own business (agriculture/non-agriculture) contin numeric In average, what is the total amount of (...) your family received within a year? From remittance contin numeric In average, what is the total amount of (...) your family received within a year? From other additional source of income such as pension, rent, grant, etc V37 b9_total_bl Total income average yearly contin numeric In average, what is the total amount of (...) your family received within a year? Total family income per year V38 b10_a_bl Average of expenditure monthly for : Food expenditure V39 b10_b_bl Average of expenditure monthly for : Non-food expenditure V40 b10_c_bl Average of expenditure monthly for : Household need (school fee, transport,...) V41 b10_d_bl Average of expenditure monthly for : Saving V42 b10_e_bl Average of expenditure monthly for : Other needs (pay loan, retribution,..) V43 b10_total_bl Total expenditure average monthly V44 b11_bl Does record income and expenditure family contin numeric In average, what is the total of (...) your family expenditure within a month? Food consumptions are groceries and food consumed at home and outside home i.e cereals, prepare food, vegetables, spices, etc. contin numeric In average, what is the total of (...) your family expenditure within a month? All non-food consumptions i.e. tobacco contin numeric In average, what is the total of (...) your family expenditure within a month? All household expenditure include: school, health, electricity, transportation, fuel and light, detergent, etc. contin numeric In average, what is the total of (...) your family expenditure within a month? contin numeric In average, what is the total of (...) your family expenditure within a month? contin numeric In average, what is the total of (...) your family expenditure within a month? Total family expenditure per month numeric Do you or your family make any records for every income and expenditure did by you and/or your family? V45 c1_bl Does have saving? numeric Have you or your family member started to save some money? V46 c2_a_bl Where to save : own bank account V47 c2_b_bl Where to save : another people bank account V48 c2_c_bl Where to save : informal saving club numeric How do you or your family member usually save the money? Personal bank account numeric How do you or your family member usually save the money? Other people's bank account numeric How do you or your family member usually save the money? Informal saving group i.e neighborhood rotating group (arisan) V49 c2_d_bl Where to save : cooperation numeric How do you or your family member usually save the money? Credit union/cooperative or formal saving association i.e run by NGO or school V50 c2_e_bl Where to save : at home saving numeric How do you or your family member usually save the money? Saving at home i.e piggy bank, wadrobe, etc. V51 c2_f_bl Where to save : Other numeric How do you or your family member usually save the money? Other V52 c2_f_lainnya_bl Where to save : Other : explain character How do you or your family member usually save the money? Other V53 c2_alasan_a_bl Reason saving in : own bank account character 11

12 ID Name Label Type Format Question V54 c2_alasan_b_bl Reason saving in : another people bank account V55 c2_alasan_c_bl Reason saving in : informal saving club V56 c2_alasan_d_bl Reason saving in : cooperation V57 c2_alasan_e_bl Reason saving in : at home saving character character character character V58 c3_a_bl Main goal of saving : Buy something V59 c3_b_bl Main goal of saving : Renovation of house V60 c3_c_bl Main goal of saving : Collect the capital V61 c3_d_bl Main goal of saving : Pay school fee V62 c3_e_bl Main goal of saving : Pay haji fee V63 c3_f_bl Main goal of saving : Pay unpredictable need V64 c3_g_bl Main goal of saving : Get interest numeric What is your saving goal? Buy some goods numeric What is your saving goal? Renovate/build a house numeric What is your saving goal? Collect some capital to start/develop a business numeric What is your saving goal? Fulfill the school fees numeric What is your saving goal? Collect money to pilgrimage numeric What is your saving goal? Prepare for unexpected situation numeric What is your saving goal? Get some interest V65 c3_h_bl Main goal of saving : Other numeric What is your saving goal? Other V66 c3_i_bl Main goal of saving : Nothing numeric What is your saving goal? No specific goal V67 c4_bl Most often place to save character V68 c5_bl How often saving numeric How often do you or your family member save the money? V69 c5_lainnya_bl How often saving : Other character How often do you or your family member save the money? V70 c6_bl How much in each saving contin numeric In average, how much money do you or your family member save each time? V71 c7_bl Have you ever had saving/deposit account in bank numeric Have you or your family member ever had a bank saving/deposit account? V72 c7_1bank_bl Bank account : name character Have you or your family member ever had a bank saving/deposit account? V73 c7_1an_bl Bank account : on behalf of character Have you or your family member ever had a bank saving/deposit account? V74 c7_1hubungan_bl Realationship with migrant worker character Have you or your family member ever had a bank saving/deposit account? V75 c7_2bank_bl Bank account : name character Have you or your family member ever had a bank saving/deposit account? V76 c7_2an_bl Bank account : on behalf of character Have you or your family member ever had a bank saving/deposit account? V77 c7_2hubungan_bl Realationship with migrant worker character Have you or your family member ever had a bank saving/deposit account? V78 c8_bl Does bank account still active numeric Do you still keep the bank account active until now? V79 c8_alasan_bl Reason why bank account no longer active character Not anymore, reason 12

13 ID Name Label Type Format Question V80 c9_1_bl Main reason has bank account : 1 V81 c9_2_bl Main reason has bank account : 2 V82 c9_3_bl Main reason has bank account : 3 V83 c9_uraian_1_bl Main reason has bank account : 1 V84 c9_uraian_2_bl Main reason has bank account : 2 V85 c9_uraian_3_bl Main reason has bank account : 3 V86 c10_1_bl Main reason doesn't have bank account : 1 V87 c10_2_bl Main reason doesn't have bank account : 2 V88 c10_3_bl Main reason doesn't have bank account : 3 V89 c10_uraian_1_bl Main reason doesn't have bank account : 1 V90 c10_uraian_2_bl Main reason doesn't have bank account : 2 V91 c10_uraian_3_bl Main reason doesn't have bank account : 3 character What are the most important reasons you have a bank account? Please list this in order of importance! character What are the most important reasons you have a bank account? Please list this in order of importance! character What are the most important reasons you have a bank account? Please list this in order of importance! character What are the most important reasons you have a bank account? Please list this in order of importance! character What are the most important reasons you have a bank account? Please list this in order of importance! character What are the most important reasons you have a bank account? Please list this in order of importance! character There are many reasons why people do not have a bank account. Please tell me why you do not have a bank account! Please list this in order of importance! character There are many reasons why people do not have a bank account. Please tell me why you do not have a bank account! Please list this in order of importance! character There are many reasons why people do not have a bank account. Please tell me why you do not have a bank account! Please list this in order of importance! character There are many reasons why people do not have a bank account. Please tell me why you do not have a bank account! Please list this in order of importance! character There are many reasons why people do not have a bank account. Please tell me why you do not have a bank account! Please list this in order of importance! character There are many reasons why people do not have a bank account. Please tell me why you do not have a bank account! Please list this in order of importance! V92 c11_bl Have you received remittance? numeric Have you ever received any remittance from abroad? V93 c11_bulan_bl Received remittance : month numeric Have you ever received any remittance from abroad? Month V94 c11_tahun_bl Received remittance : year numeric Have you ever received any remittance from abroad? Year V95 c11_rp_bl Received remittance : amount contin numeric Have you ever received any remittance from abroad? Amount V96 c12_bl What way do you received remittance? V97 c12_lainnya_bl What way do you received remittance? : Other V98 c13_bl Is there plan to send money for family in village? numeric With what method do you used to receive the remittance? character With what method do you used to receive the remittance? numeric Is there any plan that your TKI member would send some of their income from abroad? 13

14 ID Name Label Type Format Question V99 c14_bl How many times do you hope to received remittance? V100 c15_bl What way will you received remittance? V101 c15_lainnya_bl What way will you received remittance? : Other numeric How many times do you expect to receive remittance from your migrant family within a year? numeric With what method do you plan to receive the remittance? character With what method do you plan to receive the remittance? V102 c16_tahun_bl Do you know about preparing departure expenditure numeric V103 c16_1_bl Explain about preparing departure expenditure : 1 V104 c16_2_bl Explain about preparing departure expenditure : 2 V105 c16_3_bl Explain about preparing departure expenditure : 3 V106 c16_uraian_1_bl Explain about preparing departure expenditure : 1 V107 c16_uraian_2_bl Explain about preparing departure expenditure : 2 V108 c16_uraian_3_bl Explain about preparing departure expenditure : 3 V109 c17_a_pmberi_bl Do you know total expenses for departure by PJTKI V110 c17_a_pmbe_rp_bl Total expenses for departure by PJTKI V111 c17_b_selain_bl Do you know total expenses for departure by non-pjtki V112 c17_b_sela_rpp_bl Total expenses for departure by non-pjtki V113 c18_tahu_bl Do you know loan facility in your environment V114 c18_a_bl Loan facility : a. Formal institution V115 c18_b_bl Loan facility : b. Micro finance institution character For the departure of your family member, how were the costs of going abroad financed? Please list this in order of frequently used! character For the departure of your family member, how were the costs of going abroad financed? Please list this in order of frequently used! character For the departure of your family member, how were the costs of going abroad financed? Please list this in order of frequently used! character For the departure of your family member, how were the costs of going abroad financed? Please list this in order of frequently used! character For the departure of your family member, how were the costs of going abroad financed? Please list this in order of frequently used! character For the departure of your family member, how were the costs of going abroad financed? Please list this in order of frequently used! numeric How much is approximately the total cost for covering the departure (incl. transportation cost, clothing, paper work need such as paspor, visa, etc)? Paid by employer/pjtki contin numeric How much is approximately the total cost for covering the departure (incl. transportation cost, clothing, paper work need such as paspor, visa, etc)? Paid by employer/pjtki numeric How much is approximately the total cost for covering the departure (incl. transportation cost, clothing, paper work need such as paspor, visa, etc)? Paid by others than employer/pjtki contin numeric How much is approximately the total cost for covering the departure (incl. transportation cost, clothing, paper work need such as paspor, visa, etc)? Paid by others than employer/pjtki numeric Please mention loan services available in your area numeric Please mention loan services available in your area numeric Please mention loan services available in your area V116 c18_c_bl Loan facility : c. Pawnshop numeric Please mention loan services available in your area V117 c18_d_bl Loan facility : d. Daily bank numeric Please mention loan services available in your area V118 c18_e_bl Loan facility : e. Family or friends V119 c18_f_bl Loan facility : f. On credit from shop numeric Please mention loan services available in your area numeric Please mention loan services available in your area 14

15 ID Name Label Type Format Question V120 c18_g_bl Loan facility : g. Sponsor/mediator V121 c18_h_bl Loan facility : h. Community development program numeric Please mention loan services available in your area numeric Please mention loan services available in your area V122 c18_i_bl Loan facility : i : Other numeric Please mention loan services available in your area V123 c18_lainnya_bl Loan facility : i : Other / explain V124 c19_bl Where do you usually borrow money? V125 c19_lainnya_bl Where do you usually borrow money?: Other V126 c20_bl What main purposes of the biggest loan do you have? V127 c20_lainnya_bl What main purposes of the biggest loan do you have? : Other V128 c21_1_bl Why do you borrow money? : Line 1 V129 c21_2_bl Why do you borrow money? : Line 2 V130 c21_3_bl Why do you borrow money? : Line 3 character Please mention loan services available in your area numeric From where do you or your family usually ask for loan? character From where do you or your family usually ask for loan? numeric What was the main use of the most biggest loan? character What was the main use of the most biggest loan? character What was the main use of the most biggest loan? character What was the main use of the most biggest loan? character What was the main use of the most biggest loan? V131 c21_1code_bl Code for c21_1 answer numeric V132 c21_2code_bl Code for c21_2 answer numeric V133 c21_3code_bl Code for c21_3 answer numeric V134 c22_bl How much loan in running, excluded loan for departure of MW contin numeric How large was your most recent loan? V135 c23_tahu_bl Do you know about bank word? numeric V136 c23_a_bl What do you remember about bank : a. Save money V137 c23_b_bl What do you remember about bank : b. Get loan V138 c23_c_bl What do you remember about bank : c. Send/take money V139 c23_d_bl What do you remember about bank : d. Receive payment V140 c23_e_bl What do you remember about bank : e. Pay bill (tax, electricity) V141 c23_f_bl What do you remember about bank : f. Money exchange V142 c23_g_bl What do you remember about bank : g. Other V143 c23_lainnya_bl What do you remember about bank : g.other / explain V144 c24_01_bl Do you know: Financial budgeting numeric What was in your thought when you heard the word 'bank'? A place to save the money numeric What was in your thought when you heard the word 'bank'? A place to get some loans numeric What was in your thought when you heard the word 'bank'? A place to send/receive some money numeric What was in your thought when you heard the word 'bank'? A place to receive some payment, i.e wage, pension numeric What was in your thought when you heard the word 'bank'? A place to do some payment, i.e electicity, tax numeric What was in your thought when you heard the word 'bank'? A place to exchange the money. i.e foreign currency numeric What was in your thought when you heard the word 'bank'? Other character What was in your thought when you heard the word 'bank'? Other numeric Have you heard any of the financial terms below? Financial budgeting V145 c24_02_bl Do you know: Saving account numeric Have you heard any of the financial terms below? Saving account 15

16 ID Name Label Type Format Question V146 c24_03_bl Do you know: Interest numeric Have you heard any of the financial terms below? Interest V147 c24_04_bl Do you know: ATM numeric Have you heard any of the financial terms below? ATM V148 c24_05_bl Do you know: Debit card numeric Have you heard any of the financial terms below? Debit card V149 c24_06_bl Do you know: Transfer numeric Have you heard any of the financial terms below? Transfer V150 c24_07_bl Do you know: Transaction fee numeric Have you heard any of the financial terms below? Transaction fee V151 c24_08_bl Do you know: Pawnshop numeric Have you heard any of the financial terms below? Pawnshop V152 c24_09_bl Do you know: Foreign currency numeric Have you heard any of the financial terms below? Foreign currency V153 c24_10_bl Do you know: Exchange rate numeric Have you heard any of the financial terms below? Exchange rate V154 c24_11_bl Do you know: Insurance numeric Have you heard any of the financial terms below? Insurance V155 c24_12_bl Do you know: TKI insurance numeric Have you heard any of the financial terms below? TKI insurance V156 d1_bl Do you know the closest bank from home? V157 d1_bank_bl Do you know the closest bank from home : Bank V158 d2_a_bl Transport to bank : Pubic transportation V159 d2_b_bl Transport to bank : Personal transportation numeric Do you know where the nereast bank branch from your house is located? character Do you know where the nereast bank branch from your house is located? Bank name numeric How do you usually get to the nearest bank? Public transportation numeric How do you usually get to the nearest bank? Personal transportation V160 d2_c_bl Transport to bank : Motor taxi numeric How do you usually get to the nearest bank? Motor taxi V161 d2_d_bl Transport to bank : Bicycle numeric How do you usually get to the nearest bank? Bicycle/Becak V162 d2_e_bl Transport to bank : Walk numeric How do you usually get to the nearest bank? Walking V163 d2_f_bl Transport to bank : Other numeric How do you usually get to the nearest bank? Other V164 d2_lainnya_bl Transport to bank : Other / Explain V165 d3_bl How long averagely time to get bank V166 d4_bl Do you know where the closest post office from house V167 d5_a_bl Transport to post office : Pubic transportation V168 d5_b_bl Transport to post office : Personal transportation V169 d5_c_bl Transport to post office : Motor taxi V170 d5_d_bl Transport to post office : Bicycle character How do you usually get to the nearest bank? Other contin numeric What is the approximate time it would take you to travel to this bank branch (one way)? numeric Do you know where the nereast post office from your house is located? numeric How do you usually get to the nearest post office? Public transportation numeric How do you usually get to the nearest post office? Personal transportation numeric How do you usually get to the nearest post office? Motor taxi numeric How do you usually get to the nearest post office? Bicycle/Pedicab V171 d5_e_bl Transport to post office : Walk numeric How do you usually get to the nearest post office? Walking 16

17 ID Name Label Type Format Question V172 d5_f_bl Transport to post office : Other V173 d5_lainnnya_bl Transport to post office : Other / Explain V174 d6_bl How long averagely time to get the closest post office V175 d7_a_bl Available comunication tool : Landlines V176 d7_b_bl Available comunication tool : Mobile phone V177 d7_c_bl Available comunication tool : Internet V178 d7_d_bl Available comunication tool : Other V179 d7_e_bl Available comunication tool : Not available V180 d7_lainnya_bl Available comunication tool : Other / explain V181 e1_bl Do you discuss about financial family problem? V182 e2_bl Do you discuss with MW about remitance usage before he/she departure V183 e3_1_bl What plan about remittance for : Priority 1 V184 e3_2_bl What plan about remittance for : Priority 2 V185 e3_3_bl What plan about remittance for : Priority 3 numeric How do you usually get to the nearest post office? Other character How do you usually get to the nearest post office? Other contin numeric What is the approximate time it would take you to travel to this post office (one way)? numeric What is communication facility available in your area? numeric What is communication facility available in your area? numeric What is communication facility available in your area? numeric What is communication facility available in your area? numeric What is communication facility available in your area? character What is communication facility available in your area? numeric Do you discuss your "family financial matters" with the family members? numeric Did you discuss any plan in the usage of money that would be sent with the TKI? character For what usage is the money going to be? character For what usage is the money going to be? character For what usage is the money going to be? V186 e3_1code_bl Code for e3_1 answer numeric For what usage is the money going to be? V187 e3_2code_bl Code for e3_2 answer numeric For what usage is the money going to be? V188 e3_3code_bl Code for e3_3 answer numeric For what usage is the money going to be? V189 e4_bl Do you have business? numeric Do you or your family own a business? V190 e4_usaha_bl Explain your business character Do you or your family own a business? Type of business V191 e4_code_bl Code for business of family numeric Do you or your family own a business? Type of business V192 e5_bl Are there household member have plan to use remittance to profit business numeric Do you or your family have any plan to start a business? V193 e5_usaha_bl Explain that profit business character Do you or your family have any plan to start a business? Type of business V194 e5_code_bl Code for business plan numeric Do you or your family have any plan to start a business? Type of business V195 f1_tahu_bl Do you know 4 + 3? numeric How much is 4 plus 3? V196 f1_bl Answer for 4+3 numeric How much is 4 plus 3? V197 f2_tahu_bl Do you know 3 x 6? numeric How much is 3 multiplied by 6? V198 f2_bl Answer for 3 x 6? numeric How much is 3 multiplied by 6? V199 f3_tahu_bl Do you know how much money you have now numeric If you have 4,800 Rupiah and friend gives you 5,800 Rupiah, how many Rupiah do you have? 17

18 ID Name Label Type Format Question V200 f3_bl Answer for how much many contin numeric If you have 4,800 Rupiah and friend gives you 5,800 Rupiah, how many Rupiah do you have? V201 f4_bl Answer for how much money you will get V202 f5_bl Which loan offering will you take? contin numeric If you received 50 Malaysia Ringgit, and 1 Ringgit is equal to Rp. 3000, how much Rupiah will you get? numeric Suppose you need to borrow Rupiah 500,000. Two people offer you a loan. One loan requires you pay back Rp. 600,000 in one month. The second loan also requires you pay back in one month, Rp. 500,000 plus 15 percent interest. Which loan would you prefer? V203 f6_bl Which transfer way cheaper numeric Suppose you migrant family need to send money regularly to you and the cost for sending the money is Rp per transaction, which way cost cheaper to send the money? V204 ta numeric V205 tb numeric V206 tc numeric V207 td numeric V208 treatab numeric V209 treatac numeric V210 treatad numeric V211 treatbc numeric V212 treatbd numeric V213 treatcd numeric 18

19 followup_data Content Cases 1199 Variable(s) 1003 Structure Type: Keys: () Version Producer Missing Data Variables ID Name Label Type Format Question V214 id ID Respondent character V215 time FU Round indicator numeric V216 gelombang Gelombang character V217 kelompok Kelompok character V218 perlakuan Perlakuan character V219 nomer Nomer character V220 tanggal1 W1 : Date character V221 mulai1 W1 : Starting time character V222 selesai1 W1 : Finishing time character V223 durasi1 W1: Duration contin numeric V224 hasilw1 W1: Result numeric V225 alasanw1 W1: Reason character V226 w2 more interviews numeric V227 tanggal2 W2 : Date character V228 mulai2 W2 : Starting time character V229 selesai2 W2 : Finishing time character V230 durasi2 W2: Duration contin numeric V231 hasilw2 W2: Result numeric V232 alasanw2 W2: Reason character V233 w3 more interviews numeric V234 mulai3 W3 : Starting time character V235 selesai3 W3 : Finishing time character V236 durasi3 W3: Duration contin numeric V237 hasilw3 W3: Result numeric V238 alasanw3 W3: Reason character V239 a2 Age of respondent contin numeric Age of respondent V240 a3 Sex of respondent numeric Sex of respondent V241 a5 Relationship with migrant worker numeric The relationship with migrant worker 19

20 ID Name Label Type Format Question V242 a5_lainnya If selected 'Other' in a5: What? character The relationship with migrant worker V243 a6 Did respondent take fin-lit-train numeric Did respondent take financial literacy training? V244 a7 If NO in a6: Who took fin-lit-train character If respondent did not take financial literacy training, specify the name of person who take financial literacy training? V245 a8 relationship of person who took fin-lit-train with migrant worker numeric The relationship the person who took financial literacy has with migrant worker V246 a8_lainnya If selected 'Other' in a8: What? character The relationship the person who took financial literacy has with migrant worker V247 a9 Is respondant the same as in baseline? V249 a11 relationship of person who responded to baseline with migrant worker numeric Is respondent a baseline respondent? numeric The relationship the person who is baseline's respondent has with migrant worker V250 a11_lainnya If selected 'Other' in a11: What? character The relationship the person who is baseline's respondent has with migrant worker V251 a14 =1 if Respondent has Mobile Phone numeric V252 a17 Migrant's departure status numeric Migrant worker's departure status V253 a171a Migrant left: Date of departure character Migrant worker's departure status Migrant worker has left abroad Date of departure V254 a171b Migrant left: Destination country character Migrant worker's departure status Migrant worker has left abroad Destination country V255 a172a Migrant is going to leave: Planned departure month V256 a172b Migrant is going to leave: Planned destination country V257 a173a Migrant didn't leave: Reason for not leaving V258 a174a Migrant came back: Reason for coming back V259 a174b Migrant came back: Date of departure V260 a174c Migrant came back: Date of return V261 a174d Migrant came back: Destination country V262 a175a Migrant left again: Reason for coming back V263 a175b Migrant left again: Date of last departure V264 a175c Migrant left again: Destination country for last departure character Migrant worker's departure status Migrant worker is still on dormitory Planned departure month character Migrant worker's departure status Migrant worker is still on dormitory Planned destination country character Migrant worker's departure status Migrant worker didn't leave abroad Reason for not leaving abroad character Migrant worker's departure status Migrant worker is back from abroad Reason for coming back character Migrant worker's departure status Migrant worker is back from abroad Date of departure character Migrant worker's departure status Migrant worker is back from abroad Date of return character Migrant worker's departure status Migrant worker is back from abroad Destination country character Migrant worker's departure status Migrant worker has left abroad again Reasond for coming back character Migrant worker's departure status Migrant worker has left abroad again Date of the last departure character Migrant worker's departure status Migrant worker has left abroad again Destination country for the last departure 20

21 ID Name Label Type Format Question V265 a18 Respondent status related to the remittance V266 a182_hub Manager's relationship with migrant numeric Respondent status related to the remittance character Respondent status related to the remittance V267 a18_lainnya a18: Other character Respondent status related to the remittance V268 b1 Frequency of communication numeric How often have you communicated with this migrant member since he/she is working abroad? V269 b1_lainnya Frequency of communication: Other character How often have you communicated with this migrant member since he/she is working abroad? V270 b2 Main method of communication numeric What is the main method of communication? V271 b2_lainnya Main method of communication: Other V272 b31 Discussion topic w/ migrant: Amount of remittances V273 b32 Discussion topic w/ migrant: Method of sending/receiving money V274 b33 Discussion topic w/ migrant: Purpose of saving V275 b34 Discussion topic w/ migrant: Financial instruments for sending/receiving money V276 b35 Discussion topic w/ migrant: Working condition abroad V277 b36 Discussion topic w/ migrant: Usage of remittances character What is the main method of communication? numeric Which of the following topics have you discussed with the migrant member since he/she is working abroad? Amount of remittances numeric Which of the following topics have you discussed with the migrant member since he/she is working abroad? Method of sending money or receiving money numeric Which of the following topics have you discussed with the migrant member since he/she is working abroad? The purpose of saving numeric Which of the following topics have you discussed with the migrant member since he/she is working abroad? Other financial instrument (service) for sending/receiving money numeric Which of the following topics have you discussed with the migrant member since he/she is working abroad? The working condition abroad numeric Which of the following topics have you discussed with the migrant member since he/she is working abroad? The usage of remittances V278 c1 Do you know: Financial budgeting numeric Do you know what the meanings of the financial terms below? V279 c2 Do you know: Saving account numeric Do you know what the meanings of the financial terms below? Saving account V280 c3 Do you know: Interest numeric Do you know what the meanings of the financial terms below? Interest V281 c4 Do you know: ATM numeric Do you know what the meanings of the financial terms below? ATM V282 c5 Do you know: Debit card numeric Do you know what the meanings of the financial terms below? Debit card V283 c6 Do you know: Transfer numeric Do you know what the meanings of the financial terms below? Transfer V284 c7 Do you know: Transaction fee numeric Do you know what the meanings of the financial terms below? Transaction fee 21

22 ID Name Label Type Format Question V285 c8 Do you know: Pawnshop numeric Do you know what the meanings of the financial terms below? Pawnshop V286 c9 Do you know: Foreign currency numeric Do you know what the meanings of the financial terms below? Foreign currency V287 c10 Do you know: Exchange rate numeric Do you know what the meanings of the financial terms below? Exchange rate V288 c11 Do you know: Insurance numeric Do you know what the meanings of the financial terms below? Insurance V289 c12 Do you know: TKI insurance numeric Do you know what the meanings of the financial terms below? TKI insurance V290 d11 Family has financial goal numeric Does your family have a financial goal? V291 d12 Who decides financial goal numeric Who decides on those financial goals? V292 d12_lainnya Who decides financial goal: Other character Who decides on those financial goals? V293 d13 Has decided how much money and how to save it V294 d13_alasan Reason why has not decided how much money to save numeric To achieve each financial goal, have you decided how much money to save and for how long to save it? character To achieve each financial goal, have you decided how much money to save and for how long to save it? Not yet, because V295 d13_code Code for d13 reason numeric To achieve each financial goal, have you decided how much money to save and for how long to save it? Not yet, because V296 d14_01 Financial Goal 1 character What are your family financial goals? V297 d14_02 Financial Goal 2 character What are your family financial goals? V298 d14_03 Financial Goal 3 character What are your family financial goals? V299 d14_04 Financial Goal 4 character What are your family financial goals? V300 d14_05 Financial Goal 5 character What are your family financial goals? V301 d14_06 Financial Goal 6 character What are your family financial goals? V302 d14_07 Financial Goal 7 character What are your family financial goals? V303 d14_08 Financial Goal 8 character What are your family financial goals? V304 d14_09 Financial Goal 9 character What are your family financial goals? V305 d14_10 Financial Goal 10 character What are your family financial goals? V306 d14_01_code Code for d14_01 answer numeric What are your family financial goals? V307 d14_02_code Code for d14_02 answer numeric What are your family financial goals? V308 d14_03_code Code for d14_03 answer numeric What are your family financial goals? V309 d14_04_code Code for d14_04 answer numeric What are your family financial goals? V310 d15_01 How much money is saved to achieve goal 1 V311 d15_02 How much money is saved to achieve goal 2 V312 d15_03 How much money is saved to achieve goal 3 V313 d15_04 How much money is saved to achieve goal 4 V314 d15_05 How much money is saved to achieve goal 5 V315 d15_06 How much money is saved to achieve goal 6 contin numeric How much money do you save to achieve each financial goal? contin numeric How much money do you save to achieve each financial goal? contin numeric How much money do you save to achieve each financial goal? contin numeric How much money do you save to achieve each financial goal? contin numeric How much money do you save to achieve each financial goal? contin numeric How much money do you save to achieve each financial goal? 22

23 ID Name Label Type Format Question V316 d15_07 How much money is saved to achieve goal 7 V317 d15_08 How much money is saved to achieve goal 8 V318 d15_09 How much money is saved to achieve goal 9 V319 d15_10 How much money is saved to achieve goal 10 V320 d16_01 How long must save to achieve goal 1 V321 d16_02 How long must save to achieve goal 2 V322 d16_03 How long must save to achieve goal 3 V323 d16_04 How long must save to achieve goal 4 V324 d16_05 How long must save to achieve goal 5 V325 d16_06 How long must save to achieve goal 6 V326 d16_07 How long must save to achieve goal 7 V327 d16_08 How long must save to achieve goal 8 V328 d16_09 How long must save to achieve goal 9 V329 d16_10 How long must save to achieve goal 10 V330 d17 Family plans a financial goal for next 2 months V331 d18 How frequent are budgetting matters discussed V332 d18_lainnya How frequent are budgetting matters discussed: Other V333 d19 Family member who decides financial goal V334 d19_lainnya Family member who decides financial goal: Other contin numeric How much money do you save to achieve each financial goal? contin numeric How much money do you save to achieve each financial goal? numeric How much money do you save to achieve each financial goal? numeric How much money do you save to achieve each financial goal? contin numeric How long do you need to save for achieving each financial goal? contin numeric How long do you need to save for achieving each financial goal? contin numeric How long do you need to save for achieving each financial goal? contin numeric How long do you need to save for achieving each financial goal? contin numeric How long do you need to save for achieving each financial goal? contin numeric How long do you need to save for achieving each financial goal? contin numeric How long do you need to save for achieving each financial goal? contin numeric How long do you need to save for achieving each financial goal? numeric How long do you need to save for achieving each financial goal? numeric How long do you need to save for achieving each financial goal? numeric Does your family planning to make a financial goal in the next two months? numeric How frequently do you discuss household budgeting matters with your family? character How frequently do you discuss household budgeting matters with your family? Other numeric Who are member of the family who will be involved in making those financial goals? character Who are member of the family who will be involved in making those financial goals? Other V335 d21 Average monthly wage/salary contin numeric In average, what is the total amount of your family earned each month from salary/ wage within the last six months? V336 d22 Average monthly earning from self-owned business contin numeric In average, what is the total amount of your family earned each month from self-owned business (agricultural/non-agricultural) within the last six months? V337 d23 Average monthly remittances contin numeric In average, what is the total amount of your family earned each month from TKI remittance within the last six months? V338 d24 Average monthly earning from other sources contin numeric In average, what is the total amount of your family earned each month from other additional source of income, i.e. pension, rent, grant, etc within the last six months? 23

24 ID Name Label Type Format Question V339 d25 Average monthly Total Income contin numeric Total family income per month V340 d26 Food spending last month contin numeric How much did your household spend on food last month? (Food consumptions, groceries and food consumed at home and outside home i.e cereals, prepare food, vegetables, spices, etc.) V341 d27 Non-Food spending last month contin numeric All non-food consumptions i.e. tobacco last month V342 d28 All spending last month: school, house, transport contin numeric All household expenditure include: school, health, electricity, transportation, fuel and light, detergent, etc. last month V343 d29 Total spending last month contin numeric Total family expenditure per month V344 d210 Apakah pernah menyusun anggaran keuangan dalam enam bulan te V345 d210_kali If has prepared budget: number of times V346 d211 How frequent does household prepare budget? V347 d211_lainnya How frequent does household prepare budget: Other V348 d212_a Need for budget: Separate needs and wants V349 d212_b Need for budget: Identify income and expenditure V350 d212_c Need for budget: Classify income and expenditure numeric Have you been preparing financial budget (planned income and expenditure for a month) in the last six months? numeric Have you been preparing financial budget (planned income and expenditure for a month) in the last six months? numeric How regularly does your household prepare financial budget? character How regularly does your household prepare financial budget? Other numeric What are the things that you need to consider when you prepare financial budget? Separate between needs and wants numeric What are the things that you need to consider when you prepare financial budget? Identify income and expenditure numeric What are the things that you need to consider when you prepare financial budget? Classify income and expenditure V351 d212_d Need for budget: Other numeric What are the things that you need to consider when you prepare financial budget? V352 d212_lainnya Need for budget: If Other, which? character What are the things that you need to consider when you prepare financial budget? V353 d31 Apakah anggaran keuangan terakhir dapat dijalani sesuai renc numeric Does the latest financial budget can be realized according to your plan? V354 d32 How do you apply fin budgets? numeric How do you apply financial budgets in accordance with your plan? V355 d32_lainnya How do you apply fin budgets: Other V356 d33 Reason why budget plan is not carried out V357 d33_lainnya Reason why budget plan is not carried out: Other character How do you apply financial budgets in accordance with your plan? Other numeric What is the reason you don't apply financial budgets in accordance with your plan? character What is the reason you don't apply financial budgets in accordance with your plan? Other V358 d34 Family prepares cash records numeric Do you or other family members prepare households' cash records (income and expenditure)? 24

25 ID Name Label Type Format Question V359 d35 How often are cash records prepared? V360 d35_lainnya How often are cash records prepared: Other V361 d36 Why family CANNOT prepare cash records? V362 d36_lainnya Why family CANNOT prepare cash records: Other V363 e11 Has visited a bank in last 6 months V364 e11_bank Has visited a bank in last 6 months: Name numeric How often do you or other family members prepare households' cash records? character How often do you or other family members prepare households' cash records? numeric Why do you or other family members cannot prepare household's cash record? character Why do you or other family members cannot prepare household's cash record? numeric Have you visit a bank in the last six months? character Have you visit a bank in the last six months? Name of the bank V365 e11_code Bank Name numeric Have you visit a bank in the last six months? Name of the bank V366 e12 How often has visited bank in last 6 months? V367 e12_lainnya How often has visited bank in last 6 months: Other V368 e13 Has or Has had savings account in that bank V369 e14 Where is the ATM you frequently visit? V370 e14_lainnya Where is the ATM you frequently visit: Other V371 e15_a Transport to bank: Public Transportation V372 e15_b Transport to bank: Personal Transportation numeric How often do you visit a bank in the last six months? character How often do you visit a bank in the last six months? Other numeric Do you have or ever have saving account in that bank? numeric Where is the location of ATM machine which you visit frequently? character Where is the location of ATM machine which you visit frequently? Other numeric What is the most frequent you usually choose to reach the bank? numeric What is the most frequent you usually choose to reach the bank? V373 e15_c Transport to bank: Moto-Taxi numeric What is the most frequent you usually choose to reach the bank? V374 e15_d Transport to bank: Bicycle numeric What is the most frequent you usually choose to reach the bank? V375 e15_e Transport to bank: Walk numeric What is the most frequent you usually choose to reach the bank? V376 e15_f Transport to bank: Other numeric What is the most frequent you usually choose to reach the bank? V377 e15_lainnya Transport to bank: Which Other? character What is the most frequent you usually choose to reach the bank? V378 e16 Berapakah waktu rata-rata yang dibutuhkan untuk mencapai ban V379 e17_a Does in bank: Open saving account contin numeric What is the approximate time it would take you to travel to this bank branch (one way)? numeric What kind of transaction you usually do in the bank? Open saving account V380 e17_b Does in bank: Saving numeric What kind of transaction you usually do in the bank? Saving V381 e17_c Does in bank: Take remittance numeric What kind of transaction you usually do in the bank? Take the remittance V382 e17_d Does in bank: Send money numeric What kind of transaction you usually do in the bank? Send money 25

26 ID Name Label Type Format Question V383 e17_e Does in bank: Exchange foreign currency numeric What kind of transaction you usually do in the bank? Exchange foreign currency to IDR or vice versa V384 e17_f Does in bank: Other numeric What kind of transaction you usually do in the bank? Other V385 e17_lainnya Does in bank: Which Other? character What kind of transaction you usually do in the bank? V386 e17_g Does in bank : installment numeric What kind of transaction you usually do in the bank? V387 e17_h Does in bank : Balance checking numeric What kind of transaction you usually do in the bank? V388 e17_code Code for e17 other answer character What kind of transaction you usually do in the bank? V389 e18_a Takes remittance by: Receive in personal account V390 e18_b Takes remittance by: Send via Western Union V391 e18_c Takes remittance by: Receive in form of check numeric How do you take remittance in the bank? Receive in personal account numeric How do you take remittance in the bank? Send via Western Union/ Money Gram numeric How do you take remittance in the bank? Receive in form of checks/ bank drafts V392 e18_d Takes remittance by: Other numeric How do you take remittance in the bank? Other V393 e18_lainnya Takes remittance by: Which Other? V394 e19_a Who helps you in transaction: Bank's customer service V395 e19_b Who helps you in transaction: Bank's teller V396 e19_c Who helps you in transaction: Bank's security guard V397 e19_d Who helps you in transaction: Friend or relative V398 e19_e Who helps you in transaction: Sponsor V399 e19_f Who helps you in transaction: Other V400 e19_lainnya Who helps you in transaction: Which Other? V401 e19_g Who helps you in transaction: No one character How do you take remittance in the bank? Other numeric Who helped you to do transactions in the bank? Bank's customer service numeric Who helped you to do transactions in the bank? Bank's teller numeric Who helped you to do transactions in the bank? Bank's security guard numeric Who helped you to do transactions in the bank? Friends/relatives who accompany the respondent to the bank numeric Who helped you to do transactions in the bank? Sponsor who accompany the respondent to the bank numeric Who helped you to do transactions in the bank? Other character Who helped you to do transactions in the bank? Other numeric Who helped you to do transactions in the bank? V402 e21 Did Family save in last 6 months? numeric Do you or other family members save in the last six months? V403 e21_alasan Did Family save in last 6 months: why not? character Do you or other family members save in the last six months? If No, Reason V404 e21_code Code for e21 reason numeric Do you or other family members save in the last six months? V405 e22 Where do you save money? numeric Where do you (mostly) save money in the last six months? V406 e22_lainnya Where do you save money: Other character Where do you (mostly) save money in the last six months? Other V407 e23 Do you plan to save money in next 2 months? numeric Do you have any plan to save money over the next two months? 26