CONSENT TO INTERVIEW

On arrival at the respondent’s house:

1. Ask for the household head or someone with comparable knowledge about household issues asked

about in the survey

2. Greet the respondent

3. Ask for a private place to sit and talk away from other people

4. Talk a little bit to help the respondent to feel relaxed

Consent: My name is ______________. I am working on a research project and I want to ask for your consent to

take part in this research. The aim of this Project is trying to understand and improve the living standards

of families by improving microfinance interventions offered.

More specifically, the research we do looks at dairy interventions in this area and aims to understand the

link of dairy as an (additional) income source and poverty.

We want to learn from you and we want to see whether activities under the microfniance intervention are

making a real difference in your and your family’s life. To measure possible effects of the intervention,

we visit a large group of households in Anantapur disctrict. We are asking questions about their

household, assets, possible livestock, income and other areas relevant to the study. We are measuring all

this to show whether microfinance interventions that concentrate on dairy help households to be less poor

because their income increases and stabilizes. Results from this research will be shared with communities

and relevant institutions in Anantapur and Andhra Pradesh. We hope that other communities in and

outside India can learn from us. Nevertheless, while the government and other institutions will be

informed about results of the research they will not get any information about you personally.

I am here to collect some information and I would like to ask you some questions about yourself and your

household. I will record your answers and hand them to my supervisors. Nobody else will have access to

your answers. We will additionally make sure that all information is handled anonymously so that your

name will never appear with the information. If there are any questions you do not want to answer, you do

not have to answer them. There are no wrong answers to the questions. If you do not understand a

question, please ask me to explain it again. We are planning to visit your household again next year and

ask similar questions.

Everything you tell me today and next time we will visit you will be between us and will only be used for

study purposes. Your participation is voluntary. You may choose not to participate, or withdraw you

consent for any reason at anytime, without any consequences.

The advantages of taking part are that you will assist the project in understanding how nd whether poverty

can be reduced through microfinance services in Anantapur.

I will answer any questions you may have about the study but should you have any further questions or

points of clarification you should call the survey manager Mr T.Jagan Mohan Reddy (9441612303) or the

project manager Mrs. Britta Augsburg (9396290333).

Now I will ask your consent for to participate in the interview:

Do you agree to participate in this research study? Please indicate whether you agree or not by putting

your signature or thumbprint in the box on the first page of the questionnaire.

UK Data Archive Study Number 6659 - Dairy Intervention in Rural India, 2009-2012

EXPLANATION – RAIN QUESTION We have here a ruler with a scale from 0 to 100. We will use this as an indicator of how sure you are that a situation will happen in the future. Let's take rain as an example:

How sure are you that it will rain sometime tomorrow?

1. If you are absolutely sure that it will rain, point to the 100 on the ruler. 2. If you are absolutely sure that it will not rain tomorrow, point to zero on

the ruler. 3. If you are not sure whether it will rain or not but think that it is more

likely to rain than not, point somewhere on the ruler between 0 and 100 but closer to 100 than to 0.

4. If you are not sure whether it will rain or not but think it is more likely that

it will not rain, point somewhere on the ruler, but closer to 0 than to 100.

0 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1

1. BASELINE

Household Contact Information

1 Code

2 Mandal

3 Village

4 Name of Household Head

5 Name of Respondent

6 Relation to Household head

7 Caste

8 Main Occupation

9 Family size

Interview information 2008

10 Interview Date 2008

11 Interviewer Name 2008

Interview Information 2009

WORK DONE BY WHOM

DAY MONTH YEAR NAME

12 Actual interview date

13 Data entry Date

14 Interview start time

15 Interview end time

16 Supervision 1. yes 2. no

BY (NAME):

Household Contact Attempt

DAY MONTH YEAR BY (NAME)

17 1st contact date

18 2nd contact date

19 3rd contact date

Notes:

2

2: HOUSEHOLD ROSTER (PREFERRED RESPONDENT: HOUSEHOLD HEAD)

INTERVIEWER: COPY THE NAMES OF ALL HOUSEHOLD MEMBERS BEFORE ASKING QUESTION 2-12 FOR EACH INDIVDUAL SEPARATELY.

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12.

Please list the names of people normally living in this household (this includes both family members and non- family members, e.g. residing servants).

What is the relationship of […] to the household head?

What is the gender of […]?

1. Male 2. Female

What is the age of […]?

PUT '0' FOR INFANTS < 1 YEAR

What is the marital status of […]? 1. Married 2. Seperated 3. Dicorced 4. Widow(er) 5. not married

What is […]'s most important economic activity? DON'T PROMT

Has […] been seriously ill or unable to work for more than a week within the last year due to bad health? 1. yes 2. no >> 9

For how many weeks in total has […] been unable to work within the last year?

What is the highest level of schooling completed

by […]?

Is […] able to read and understand the newspaper?

Is […] able to write a formal letter?

Is […] currently enrolled in school?

Start with the household head, the spouse, and their children. Then list the most immediate family subsequently.

Ec. Activity CODE

Education CODE

1. yes 2. no

1. yes 2. no

1. yes 2. no

NAME Relation CODE

Gender CODE YEARS Marriage CODE WEEK(s)

H1

H2

H3

H4

H5

H6

H7

H8

H9

H10

H11

H12

H13

H14

3

3: GENERAL HOUSHEOLD CHARACTERISTICS

1. Caste or ethnic/religious group of household head 1. forward caste 2. backward caste 3. scheduled caste

4. scheduled tribe 5. minority

if minority, specify 1. muslim 2. christian

3. sikh 4. other (SPECIFY)

2 What is the primary activity of the household? 1. Agricultural labourers 2. Construction workers/skilled labourers 3. Farmers, farmers, fishers, hunters, loggers, AH 4. Self-employed, business, transport-equipment operators

5. Professional, technical, clerical, administrative, managerial, executive, and teachers 6. Dairy 7. Other

1

2

3

3. How long has the household lived in this dwelling? YEARS TICK if all life

4. How long has the household lived in this village? YEARS TICK if all life

5. Does the household have plans to move/migrate out of this village?

1. Yes 2. No

6. What type of dwelling is this? 1. Pucca house (strong structure) 2. Semi-Pucca house 3. Kutcha house (weak structure) 4. other, specify

7. How many rooms does the dwelling have? NUMBER OF ROOMS

8. a. Do you/your family own or rent this dwelling? 1. Owns the dwelling 2.rents the welling 3. use without paying rent

4. dwelling allotted by govt. 5. any other (SPECIFY)

b. IF RENT: How much do you pay in rent for this

dwelling? (INCLUDE MONETARY VALUE OF IN-KIND CONTRIBUTION)

Rs.

c. IF OWN: What is the present market value of the

dwelling (What would you be able to get if you sold it today)?

Rs.

c. IF OWN: If you were to rent out your dwelling – how

much rent would you ask for (per month)? Rs.

9. Did the value of the dwelling increase or decrease as compared to one year ago?

1. increase 2. decrease 3. same

10. What is the material of the walls? 1. concrete/brick 2. mud/brick/stone 3. mud/wooden plank

4. tin 5. thatch/bamboo 6. other (SPECIFY)

11. What is the material of the roof? 1. cement/RCC 2. stone slab 3. roofing tiles

4. sheet/tin 5. thatch 6. other (SPECITY)

12. What is the material of the floor? 1. tiles 2. cement 3. stone

4. mud/earth/cow dung 5. other (SPECIFY)

13. What kind of bathing facility does the household have? 1. Closed bathroom inside/outside the house 2. bathroom enclosure inside/outside the house 3. shielded/thatched structure for bathing outside the house 4. open bathing space outside the house 5. river/open tanks/canals/ponds/etc. 6. any other (SPECIFY)

4

14. What kind of drinking water facility does the household have?

1. piped into dwelling or compound 2. protected/unprotected personal well 3. public outdoor tap or drinking water pump close to the house 4. public outdoor tap or drinking water pump far from the house 5. protected/unprotected community well 6. river/lake/pond 7. access to another household's private water source 8. Govt. water tank 9. Govt. water tank only in summer 10. any other (SPECIFY)

15. What is the main fuel used by the household for cooking?

1. LPG 2. Biogas 3. Kerosene

4. Firewood 5. Charcoal 6. any other (SPECIFY

16. What is the main fuel used by the household for lighting?

1. Electricity 2. Generator 3. Battery

4. Kerosene lamps 5. Candles 6. any other (SPECIFY)

17. Is there any member of this household who has ever been or currently is a ward representative for the local Gram?

1. yes (COPY Code of Household member from section 2) 2. no

5

4: ASSETS

ANSWER

1. Do you own any other house elsewhere? If so, what is the value of it?

1. yes 2. no

PRESENT VALUE OF MARKET VALUE

2. Do you rent it out? 1. yes 2. no

If YES: RENT RECEIVED per month (Rs.)

2. Does the houehold own any agricultural land? a. 1. yes 2. no

b. Acres Irrigated

c. Acres NOT irrigates

d. Acres rented out

e. Rent received per month (rs.)

f. Present MARKET VALUE (Rs.)

3. Did the household own more/less/same amount of land one year ago?

1. less 2. same 3. more

4. Does the household rent any land? a. 1. yes 2. no

b. Acres rented

c. Amount paid for rent (Rs.)

4. 5.

How many […] does your household own at present?

If you sold all of your […] now, how much money could you ge for it?

TICK IF SHARE OWNERSHIP & NOTE VALUE OF SHARE

TYPE OF ASSET NUMBER OWNED MARKET VALUE √

1. Bicycle

2. Motorcycle

3. Scooter

4. Four Wheeler

5. Furniture a. chair(s)

b. Table(s)

c. Bed(s)

d. Cupboard(s)

e. Other

6. Refrigerator

7. TV - colour

8. TV - black & white

9. Radio

10. Telephone / cell

11. sewing machine

12. electric iron

13. pressure cooker

14. electric fans

15. clock

16. steel utensils

17. jewellery

18. livestock: a. Bullock

b. Buffalo

c. Cow

d. Calf

e. Goat

f. sheep

g. pig

h. chicken

i. other

19. irrigation equipment

20. dairy assets (shed, milking machine…)

21. modern agricultural equipment (tractor…)

22. other agricultural equipment

23. any other (SPECIFY)

6

5: CONSUMPTION

INTERVIEWER: HERE IT IS VERY IMPORTANT THAT YOU GUIDE THE RESPONDENT THROUGH THE CALCULATIONS AND HELP THEM IF NECESSARY IN THINKING ABOUT HOW OFTEN THEY BUY SOMETHING, THE PRICE PAID PER UNIT AND THEN MULTIPLY UP FOR THE PRICE PER WEEK , MONTH OR PAST YEAR

Now I would like to talk to you about various items the entire household (including all household members, regardless of who made the purchase) acquired (bought, received, from its own business or parcel of land, or a payment in kind) within the last week (year). To make it easier to remember, we will talk about different groups of goods that you might be consuming, regardless of whether you have bought them or they are home produced.

1. In the last WEEK, did any member of the household acquire/consume any of the following items?

2. did you acquire it by buying it?

Share Bought 6. In this household, did you acquire […] without needing to pay for it?

Share obtained without buying it 10. How does the consumed quantity compare to a typical week?

TICK (√) YES/NO RESPONSE

1. Yes 2 No

1. yes (>> 3) 2. No (>> 6)

3. Quantity Bought

4. Unit of Measure-ment

5. amount Paid (Rs.) 1. Yes (>> 7)

2. No (>> 10)

7. Quantity consumed

8. Unit of measure-ment

9. Present market value (Rs.)

1. same 2. higher 3. lower

1 Rice from market

2 Rice from PDS shop

3 Sugar from market

4 Sugar from PDS shop

5 Wheat flour

6 Wheat flour from PDS shop

7 Dal

8 Other pulses

9 Sorghum

10 Millets

11 Other cereals

12 Edible oils

13 Vegetables

14 Fruits

15 Milk

16 Milk Products

17 Meat (Beef, chicken…)

18 Fish

19 Eggs

20 Spices and Condiments

21 Other food expenses (bread, biscuits…)

22 Beverages (including tea, coffee, soft drinks)

7

1. In the last WEEK, did any member of the household acquire/consume any of the following items?

2. did you acquire it by buying it?

Share Bought 6. In this household, did you acquire […] without needing to pay for it?

Share obtained without buying it 10. How does the consumed quantity compare to a typical week?

TICK (√) YES/NO RESPONSE

1. Yes 2. No

1. yes (>> 3) 2. No (>> 6)

3. Quantity Bought

4. Unit of Measure-ment

5. amount Paid (Rs.) 1. Yes (>> 7)

2. No (>> 10)

7. Quantity consumed

8. Unit of measure-ment

9. Present market value (Rs.)

1. same 2. higher 3. lower

23 Alcohol beverages and toddy

24 Tobacco products

25 Transport

26 Water, electricity, telephone, cable

27 Fuel (including gas, firewood, kerosene)

28 Salary for field or other workers

INTERVIEWER: Ask here about expenses in the previous YEAR.

29 Clothing

30 Shoes

31 Education (school fees, books)

32 Health expenses (medicine, doctor visits…)

33 Repairs and maintenance

34 Services (servants, barber, washmen …)

35 Cosmetics, soaps, shampoo…

36 Religious and festival ceremonies, such as Telugu new year Dassera), Deepavali, Ramadan, Sankrabthi…

37 Gifts and payments

38 Entertainment and recreation

39 Dowry and bride price

40 Taxes

41 Other yearly expenditures (SPECIFY)

8

6: INCOME

1. 2. 3. 4.

Within the last year, has anyone in your household earned any income paid as cash or in-kind from […]? ASK RESPONDENT TO

TRANSLATE IN-KIND INCOME TO MONETARY VALUE TICK (√) YES/NO RESPONSE

How much income was earned by those members per year? TRANSLATE IN-KIND PAYMENTS TO MONETARY TERMS

How many month per year did the household receive income from this income source?

Did income from

(INCOME SOURCE) increase or decrease as compared to

one year ago?

1. increase 2. same 3. decrease

1. YES 2. NO

Rs. PER MONTH

TICK IF

NUMBER MONTHS CASH

IN-KIND

1. Wages from agricultural labour (not on own farm)

2. Wages from non-agricultural sector- formal sector

3. Wages from non-agricultural sector- informal secto

4. Wages (possibly in-kind) from public relief work, e.g. food for work or other similar programmes

5. Non-farm self-employment (net-income)

6. Farm profit

7. Income from Dairy activities

8. Sales of handicrafts or other non-agricultural goods at market (net income)

9. Traditional hereditary occupation

10. migration income / remittances

11 Benefits from government schemes, such as social assistance, child benefits, assistance from development or welfare programs

12 Pensions

13 Dowry income

14 Other income sources, not previously mentioned (e.g. gambling), SPECIFY

INTERVIEWER: Add all income sources in the shaded column to calculate yearly income of the household.

5. READ OUT CALCULATED YEARLY INCOME and ask: Is this a typical yearly income for your household?

1. yes 2. no, it is higher than typical 3. no, it is lower

6. IF NO: What would be a typical yearly income for your household?

(Rs.)

IF ONLY INCOME SOURCE IS FROM DAIRY ACTIVITY (7) >> GO TO SECTION 7. ELSE, go on to question 7.

9

7. Imagine that you have a very good year, every member of working age in the household managed to have work, and there were no droughts or anything the like. What would be the maximum amount of income your household would receive in such a situation in one year?

Y (Rs.)

8. Now imagine the total opposite: the harvest is bad, animals get sick, finding work is not possible. What would be the yearly income of your household in such a situation?

X (Rs.)

INTERVIEWER: Calculate the following values:

Expected Income (threshold B): B = (X+Y)/2

Threshold A: A = (B+X)/2

Threshold C: C = (B+Y)/2

INTERVIEWER: Explain the rainfall question to the respondent (See extra Sheet)

R.1 So, what do you think how likely it is that it will rain tomorrow?

R.2 So, what do you think how likely it is that it will rain within the coming week?

R.3 So, what do you think how likely it is that it will rain within the coming month?

9. How likely do you think it is that your yearly income in the coming year will be higher than _________(A) Rupees?

10. How likely do you think it is that your yearly income in the coming year will be higher than _________(B) Rupees?

12. How likely do you think it is that your yearly income in the coming year will be higher than _________(C) Rupees?

10

7: LIVESTOCK

1. Does your household own any cows or buffalos?

1. yes (>>2) 2. no (>> 51)

2. 3. 4. 5. 6. 7. 8.

ANIMAL How many […] does your household own?

If you sold all your […] today, how much money would you receive? Market Value (Rs.)

How many […] were born/died within the last year?

How many […] did you buy/sell within the last year? In which month was this? And how much did you pay/receive?

How many litres of milk do […] give per day in… ? On average, how many months per year does the animal not produce any by-products? MONTHS

How much have you earned in total from renting out your […] within the last year? Rs.

BOUGHT SOLD Full Season Lean Season

NUMBER BORN DIED Nr Month Rs. Nr Month Rs. Litres

In the coming year, do you think this amount will 1. increase 2. decrease 3. stay the same? Litres

In the coming year, do you think this amount will

1. increase 2. decrease 3. stay the same

1. Local Buffalos a. milk

b. non-milk

Graded Buffalos a. milk

b. non-milk

2. Local Cows a. milk

b. non-milk

Graded Cows a. milk

b. non-milk

3. Calves

11

9 a. On average, how much milk do all your animals together

produce per day in […]? Full Season

Lean Season

b. Of these litres of milk, how many does your household

consume in […]?? Full Season

Lean Season

10 How many years of experience does your household have with keeping of buffalos/cows? (put the number of years of the household member with the longest experience)

YEARS

11 Since when does your household own animal(s)? YEAR

12 Did you ever take a loan to buy an animal? 1. Yes 2. No

13 IF YES:

a. & b. How many loans did you take to buy how many animals? a. LOANS (Nr)

b. ANIMALS (Nr)

c. From which source(s) did

you take the loan(s)? 1. Public sector bank 2. PACS 3. Private Bank/finance company 4. BASIX 5. Other MFI

6. Commission Agent/Trader/Dealer 7. Chit fund 8. SHG 9. Money lender 10. Relative/Friend 11. Any other (SPECIFY)

1

2

3

d. Do you currently have a loan outstanding which you used to

invest in a cow or a buffalo? 1. Yes 2. No

e. How many loans did you take from BASIX to invest in a cow or a

buffalo? Nr of LOANS

14 Who is the main caretaker of the animals? ENTER CODE FROM HOUSEHOLD ROSTER

15 How do you acquire fodder for the animal? 1. buy all 2. collect all

3. buy and collect 4. other (SPECIFY)

16 IF THE HOUSEHOLD COLLECTS ALL/PART OF THE FODDER

a. Do you collect the fodder from your own farm? 1. Yes 2. No

b. On average, how many kilometres do you have to walk per week to

collect fodder? KM

c. On average, how much time per week do you spent to collect fodder? HOURS

17 IF THE HOUSEHOLD BUYS SOME/ALL OF THE FODDER:

a. Within the last month, how much did you spent on […]? (Rs.) 1. Green Fodder

2. Fodder

3. Other

b. On average, how much time per day do you spent on taking

care of the animal (include the time to collect and buy fodder, to clean the animal and the shelter, to milk the animal…)

HOURS

18 a. Is there a cooperative in your village / local area? 1. Yes 2. No

b. IF YES: Are you a member of this cooperative? 1. Yes 2. No

19 Do you sell some of your milk (or milk products)? 1. Yes (>>23) 2. No

20 a. IF NO: Why don’t you sell milk (or milk products)?

(>> SECTION 8) 1. Consume all 2. No buyers 3. Prices too low to sell 4. Other (SPECIFY)

b. IF YES: On average, how many litres per day do you sell in […]? Full Season

Lean Season

21 22 23 24 25

Whom do you sell your milk to? (3 answers possible) 1. BASIX initiated milk route 2. other milk route 3. local vendor 4. door to door 5. dairy cooperative 6. other (SPECIFY)

How much are you (on average) paid PER LITRE? (Rs.)

Are you paid according to the fat and SNF% of your milk?

How often is the fat % of your milk testes?

How often is the SNF % of your milk tested?

1. fat % 2. SNF % 3. Fat % & SNF % 4. just according to the litres of milk

1. every time 2. once a day 3. once a week 4. once a month 5. never

1. every time 2. once a day 3. once a week 4. once a month 5. never

1

2

3

12

26 What would be a typical monthly income from selling milk (or milk-products) for your household? (Rs.)

27 Imagine all your animals stay healthy and give quality milk. What would be the maximum amount of monthly income your household would receive in such a situation from selling by-products of your animals?

Y

28 Now imagine the total opposite: your animals fall ill and give no milk. What would be the monthly income of your household in such a situation from selling by-products of your animals?

X

INTERVIEWER: Calculate the following values:

Expected Income from Dairy (threshold B): B = (X+Y)/2

Threshold A: A = (B+X)/2

Threshold C: C = (B+Y)/2

INTERVIEWER: Use again the ruler. In case the household only receives income from dairy activities, use first the rainfall question to explain the idea of probabilities.

INTERVIEWER: Explain the rainfall question to the respondent (See extra Sheet)

R.1 So, what do you think how likely it is that it will rain tomorrow?

R.2 So, what do you think how likely it is that it will rain within the coming week?

R.3 So, what do you think how likely it is that it will rain within the coming month?

29 How likely do you think it is that your typical monthly income from selling products of the animals in the coming month will be higher than _________(A) Rupees?

30 How likely do you think it is that your typical monthly income from selling products of the animals in the coming month will be higher than _________(B) Rupees?

31 How likely do you think it is that your typical monthly income from selling products of the animals in the coming month will be higher than _________(C) Rupees?

32 Did your animal receive vaccinations? 1. Yes 2. No

33 If your animal falls ill, what do you do? (DO NOT PROMT. RESPONDENT MAY RANK UP TO 3 ANSWERS, ONCE YOU HAVE NOTED THE ANSWERS CONFIRM THAT THE RANKING IS CORRECT.)

1. let animal rest and wait until it gets better 2. consult neighbour 3. consult local medicine man 4. go to veterinarian 5. call emergency veterinarian 6. sell the animal 7. Other (SPECIFY)

1

2

3

34 How often did your animal(s) get sick within the last year?

35 What source did you turn to for help? 1. none 2. neighbour 3. veterinarian

4. emergency vet 5. other (SPECIFY)

36 What average cost did you occur each time? (veterinarian, transport, foregone earnings)

(Rs.)

37 What other monetary loss did you suffer? (due to lost by-products) (Rs.)

38 Imagine that in the coming month your animals get seriously ill and you need to get them treated. What would be the maximum amount you would have to pay on heath related costs in such a situation over the period of one month? (include possible transportation costs)

Y

39 Now imagine the total opposite: your animals do not get any serious illness during the coming month. What would be the minimum amount of money you would have to pay for health-related costs of your animals over he period of one month? (this does not include normal day-to-day costs such as fodder)

X

13

INTERVIEWER: Calculate the following values:

Expected Health Costs (threshold B): B = (X+Y)/2

Threshold A: A = (B+X)/2

Threshold C: C = (B+Y)/2

40 How likely do you think it is that you will have to spend more than _________(A) Rupees on health services for your animals in the coming month?

41 How likely do you think it is that you will have to spend more than _________(B) Rupees on health services for your animals in the coming month?

42 How likely do you think it is that you will have to spend more than _________(C) Rupees on health services for your animals in the coming month?

How likely is it that…

43 ...you will sell at least one animal in the coming YEAR?

44 …you will buy at least one animal in the coming YEAR?

45 …you will breed at least one animal in the coming YEAR?

46 … none of your animal(s) dies within the coming YEAR?

47 …none of your animal(s) gets sick within the coming MONTH?

INTERVIEWER: Ask Questions 48 to 67 only if the respondent answered ‘NO’ to Question 1 (so, if the household does not have any cows of buffalos).

48 What do you think is the approximate price for a 4-year old local buffalo? (Rs.)

49 If you do not own any milk animals, imagine that you have one more milk animal (a 4-year old local buffalo), whose milk you sell. How many litres would you expect to sell on average per day in […]?

Full Season

Lean Season

50 What would you expect a typical monthly income to be from selling milk (or milk-products) if you had this animal?

(Rs.)

51 Imagine the animal stays healthy and gives quality milk. What would be the maximum amount of monthly income your household would receive in such a situation from selling by-products of this (extra) animal?

Y

52 Now imagine the total opposite: your animal fall ill and gives no milk. What would you expect the monthly income from selling milk(products) to be in such a situation?

X

INTERVIEWER: Calculate the following values:

Expected Income from Dairy (threshold B): B = (X+Y)/2

Threshold A: A = (B+X)/2

Threshold C: C = (B+Y)/2

INTERVIEWER: Use again the ruler to ask question 25.

53 Still imagining you had the milk-animal. How likely do you think it is that your monthly income from selling products of the animal in the coming month would be higher than _________(A) Rupees?

54 How likely do you think it is that your monthly income from selling products of the animal in the coming month would be higher than _________(B) Rupees?

55 How likely do you think it is that your typical monthly income from selling products of the animal in the coming month would be higher than _________(C) Rupees?

56 Still imagining you had the milk-animal. How much do you think you would have to

spend on fodder for the animal in one month? (Rs.)

57 How much time do you think you would spend on keeping, feeding, milking,… the animal per day?

HOURS

INTERVIEWER: Ask questions 60 to 69 only if the respondent does currently not own any buffalos or cows.

14

58 Still imagining that you had the 4-year old buffalo, how often would you expect the animal to get sick within a year?

NUMBER

59 If your animal were to fall ill, what would you do? (DO NOT PROMT. RESPONDENT MAY RANK UP TO 3 ANSWERS, ONCE YOU HAVE NOTED THE ANSWERS CONFIRM THAT THE RANKING IS CORRECT.)

1. let animal rest and wait until it gets better 2. consult neighbour 3. consult local medicine man

4. go to veterinarian 5. call emergency veterinarian 6. sell the animal 7. Other (SPECIFY)

1

2

3

60 What source would you turn to for help? 1. none 2. neighbour 3. veterinarian 4. emergency vet 5. other (SPECIFY)

61 What average cost would you expect to occur each time? (veterinarian, transport, foregone earnings)

(Rs.)

62 Imagine your animal would get seriously ill and you would need to get it treated. What would be the maximum amount you would expect to have to pay on heath related costs within one month in such a situation? (include possible transportation costs)

Y

63 Now imagine the total opposite: your animal would not get any serious illness during the coming month. What would be the minimum amount of money you would have to pay for health-related costs of your animals? (this does not include normal day-to-day costs such as fodder)

X

INTERVIEWER: Calculate the following values:

Expected Health Costs (threshold B): B = (X+Y)/2

Threshold A: A = (B+X)/2

Threshold C: C = (B+Y)/2

64 Still imagining you had the milk-animal. How likely do you think it is that you would have to spend more than _________(A) Rupees on health services for your animals in a month?

65 How likely do you think it is that you would have to spend more than _________(B) Rupees on health services for your animals in a month?

66 How likely do you think it is that you would have to spend more than _________(C) Rupees on health services for your animals in a month?

67 How likely do you think it is that you will buy an animal in the coming year? (INTERVIEWER: Use

again the ruler, explain if necessary)

15

8: RISK

1 a. Within the last year did you or any of the

adults in the household ever cut the size of your meals because there was not enough money or food?

1. Yes 2. No >> 2.

b. How often did this happen? 1. every month 2. sometimes 3. 1-2 times a year

2 a. Within the last year, did you/ your household

ever cut the size of the children’s meals because there was not enough money or food?

1. Yes 2. No >> 3.

b. How often did this happen? 1. every month 2. sometimes 3. 1-2 times a year

3 What are the major sources of risk that you/your household face? (DO NOT PROMPT. RESPONDENT MAY RANK UP TO 3 ANSWERS, ONCE YOU HAVE NOTED THE ANSWERS CONFIRM THAT THE RANKING IS CORRECT.)

1. drought 2. flood 3. fires 4. illness of household member 5. sudden death of household member 6. loss of livestock / disease 7. dramatic change in crop prices 8. price changes of inputs 9. price changes of production 10. unavailability of agri-inputs 11. crop disease 12. Quality of seeds (spurious seeds) 13. erratic electricity supply 14. crop failure 15. loss of land 16. job loss 17. unsuccessful investment 18. other (SPECIFY)

1

2

3

4 Which of these did you actually experience within the last year?

1. drought 2. flood 3. fires 4. illness of household member 5. sudden death of household member 6. loss of livestock / disease 7. dramatic change in crop prices 8. price changes of inputs 9. price changes of production 10. crop disease 11. erratic electricity supply 12. crop failure 13. loss of land 14. job loss 15. unsuccessful investment (s.a. well digging) 16. other (SPECIFY)

1

2

3

16

9: CREDIT, SAVINGS & INSURANCE CREDIT

1 Has your household any debt? 1. Yes 2. No (>>5)

2 What are the sources of credit at present?

(A) (B) (C) (D) (E)

1. Yes 2. No

Year taken

Amount taken

Amount outstanding

Interest Rate

Loan Period

1 Public sector Banks

2 PACS

3 Private Banks/Finance Companies

4 BASIX

5 Other MFIs

6 Commission Agents/Traders/Dealers

7 Chit Funds

8 SHGs

9 Money lenders

10 Relatives/Friends

11 Any other (Specify)

3 Did the amount of your debt change as compared to one year ago?

1. increase 2. same 3. decrease 4. don't know

4 How is your household's capacity to pay the debt as compared to one year ago?

1. easier to take care of 2. same amount of difficulty/ ease 3. more difficult to take care of 4. don't know

SAVINGS

5 Has your household any savings? 1. Yes 2. No (>>10)

6 What are the sources of savings at present?

(A) (B) (C) (D)

1. Yes 2. No

What is the money value of this saving

now? (Rs.)

Do you receive interest? If so, how

much?

Do you make regular

contributions to this savings?

1. Yes, weekly 2. Yes, monthly

3. Yes, other 4. No

1. Yes 2. No

Interest

1 Deposits with any bank

2 Deposit with any private financial institution

3 Deposits with any post office

4 Deposit with any chit fund

5 Cash at home

6 SHG or other group

7 Other (SPECIFY)

7 Did the amount of your savings change as compared to one year ago?

1. increase 2. same 3. decrease 4. don't know

17

8 What are the most important reasons that you save?

1. protect against bad harvest or drought 2. access to credit 3. educational expenses 4. medical expenses 5. buy agricultural inputs/investments 6. provide for old age 7. repair dwelling

8. emergency events 9. secure consumption 10. dowry 11. festival expenses 12. as form of other insurance 13. to leave bequest 14. to pay for debt 15. other (SPECIFY)

1

2

3

9 Why do you not save (more)? 1. no need 2. group decision 3. no funds 4. don't trust MFI

5. don't trust bank 6. low interest rates / high bank fees 7. other (SPECIFY)

1

2

3

INSURANCE

10 Has your household any insurance? 1. Yes (>>12) 2. No (>>11)

11 If no, why not? 1. no need 2. too expensive 3. don't know good insurance 4. never pays out

5. don't know what insurance is 6. other (SPECIFY) >> NEXT SECTION

12 Does your household have any of the following kinds of insurances?

(A)

1. Yes 2. No

(B)

Source

1 Crop insurance

2 weather or rainfall insurance

3 life insurance

4 health insurance

5 fire insurance

6 vehicle insurance

7 livestock / insurance

8 Old age

9 other (SPECIFY)

18

10: INFORMATION ON OTHER GROUP MEMBER (BASIX) or OTHER HOUSHEOLD IN THE VILLA GE (non-BASIX)

INTERVIEWER, PLEASE REFER IN THIS SECTION TO THE HOUSEHOLD ON THE LIST PROVIDED.

1 What is [NAME’S] relationship to you? 1 Partner/spouse 2 Child 3 Parent 4 Grandparent 5 Sibling 6 Parent-in-law

7 Sibling-in-law 8 Grandchild 9 Other relative 10 Close friend 11 Ordinary friend 12 Acquaintance

2 How long have you known [NAME]? YEARS

3 On a scale from 1 to 10, where 1 means ‘not at all’ and 10 ‘extremely well’, how well do you consider knowing [NAME]?

NUMBER

4 How many friends do you have in common with [NAME]? NUMBER

5 Generally speaking, would you say [NAME] can be trusted or that you can’t be too careful dealing with him/her?

1. Can’t be too careful 2. Can be trusted

6 Do you think [NAME] would try to take advantage of you if he/she got the chance, or would he/she try to be fair?

1. Would take advantage of you 2. Would try to be fair

7 Would you say that [NAME] tries to be helpful, or that he/she is mostly just looking out for herself?

1. Just looks out for herself 2. Tries to be helpful

8 What is the main income source of [NAME]?

1. Farming - animal husbandry 2. Farming - crop production 3. Farming - animal husbandry and crop

production 4. Felt/cashmere/leather production 5. Sewing 6. Shop 7. Trading, excluding shop 8. Café/restaurant 9. Collecting garbage 10. Small scale mining 11. Crafts (carving/furniture making) 12. Don’t know 13. Other (SPECIFY):_______________

9 FOR BASIX Customers only (NON-BASIX >> Question 10)

a. On a scale from 1 to 10, where 1 means ‘not at all’ and 10

‘extremely well’, how well do you consider having known [NAME] before joining the group?

NUMBER

b. For what purpose did [NAME] use the

loan from BASIX? 1. Agri-Allied Loan (=Dairy) 2. Crop Loan 3. Housing & Infrastructure 4. Non-farm Micro or Small Enterprise 5. General Purpose Loan 6. Other (SPECIFY)

10 Imagine that [NAME’s] family has a very good year, every member of

working age in the household managed to have work, the harvest is good or demand for their products/services are high. What would be the maximum amount of income [NAME’s] household would receive in such a situation in one year (Rs.)?

Y (Rs.)

11 Now imagine the total opposite: [NAME’s] business turns out to be unsuccessful. Weather conditions are bad, household members loose their job, finding work is not possible. What would be the yearly income of [NAME’s] household in such a situation (Rs.)?

X (Rs.)

INTERVIEWER: Calculate the following values:

Expected Income (threshold B): B = (X+Y)/2

Threshold A: A = (B+X)/2

Threshold C: C = (B+Y)/2

19

12 How likely do you think it is that [NAME’s] TOTAL household income in the coming year will be higher than _________(A) Rupees?

13 How likely do you think it is that [NAME’s] TOTAL household income in the coming year will be higher than _________(B) Rupees?

14 How likely do you think it is that [NAME’s] TOTAL household income in the coming year will be higher than _________(C) Rupees?

15 Have you borrowed money from [NAME] in the past? 1. Yes 2. No

16 Have you lent money to [NAME] in the past? 1. Yes 2. No

17 How likely do you think it is that [NAME] COULD save? Enter PRBABILITY

18 How likely do you think it is that [NAME] actually saves during

the next twelve months? Enter PRBABILITY

CODES:

Relation Code: Economic Activity Code: Education Code:

1. Head 2. Husband 3. First wife 4. Second wife 5. Child / adopted child 6. Father / Mother 7. Sister / brother 8. Grandchild 9. Son / Daughter in law 10. Sister/ brother in law 11. Father / Mother in law 12. Grandparent 13. Uncle/Aunt 14. Other relative 15. Friend 16. Neighbor 17. Servant 18. Employer / landlord 19. Fellow villager 20. Other (SPECIFY)

1. Agricultural labourers 2. Construction workers/skilled

labourers 3. Farmers, farmers, fishers,

hunters, loggers, AH 4. Self-employed, business,

transport-equipment operators 5. Professional, technical,

clerical, administrative, managerial, executive, and teachers

6. Dairy 7. Other

0. no eductaion

1. Standard 1st

2. Stndrd 2nd

3. Stndrd 3rd

4. Stndrd 4th

5. Stndrd 5th

(primary school)

6. Stndrd 6th

7. Stndrd 7th

(secondary school)

8. Stndrd 8th

9. Stndrd 9th

10. Stndrd 10th

11. Intermediate 1st

12. Intermediate 2nd

(high school)

13. Diploma / vocational course 14. Bachelor degree (3 years) 15. Professional Bachelors

degree (4 years) 16. Masters degree 17. Other (SPECIFY)