Unsecured Lending

This survey will assist in my PhD research on unsecured lending in South Africa. Any and all the information you provide will be private and confidential.

* 1. Do you save money every month? (Select only one option)

* 2. On average how much money do you save each month? (Select only one option)

* 3. Where do you save money? (You may select more than one option for this question)

* 4. On average how much do you earn on your savings annually? (Select only one option)

* 5. Do you bank online? (Select only one option)

* 6. Have you made any online purchases in the past 12 months? (Select only one option)

* 7. Have you given a loan to a family member or friend? (Select only one option)

* 8. Has a family member or friend ever defaulted or not repaid their loan to you? (Select only one option)

* 9. Would you consider giving loans to a stranger if the risk of lending to that person were properly assessed and understood? (Select only one option)

* 10. If you were to give a loan to a stranger, what type of loan would you prefer to fund? (You may select more than one option for this question)

* 11. Would earning above 20% in interest encourage you to lend money an individual? (Select only one option)

* 12. Would you be more comfortable if you shared the risk of lending to an individual? For instance a person was looking for a R1000 loan and you and nine other people contributed R100 each towards the loan. (Select only one option)

* 13. Would you lend money to a person who lived outside the province in which you live? (Select only one option)

* 14. Would you lend money to a person who was a different race or gender to you? (Select only one option)

* 15. What interest rate would you charge on a loan if you had to lend money? (Select only one option)

* 16. What types of loans do you have? (You may select more than one option for this question)

* 17. What do you use your loan/s for? (Select only one option)

* 18. Where did you get your loan/s from? (You may select more than one option for this question)

* 19. What were the reasons you chose to take a loan from your credit provider/s? (You may select more than one option for this question)

* 20. Would you or have you gone online to take out a loan? (Select only one option)

* 21. Would you consider taking out a loan from an individual or person instead of a bank or credit provider? (Select only one option)

* 22. What is your biggest concern when taking out a loan? (You may select more than one option for this question)

* 23. What is the interest rate on your most expensive loan? (Select only one option)

* 24. Would you take out a cheaper loan (at a lower interest rate) to pay off a more expensive loan? (Select only one option)

* 25. Would you take a loan from a family member or friend if it had a lower interest rate? (Select only one option)

* 26. Would you feel more pressure to repay a loan from a family member or friend than from a bank? (Select only one option)

* 27. Would you feel comfortable to use an online platform to ask for a loan? (Select only one option)

* 28. Do you feel you are coping with your current levels of debt and repayments? (Select only one option)

* 29. Do you think banks and other credit providers charge too much on their loans? (Select only one option)

* 30. Are you comfortable with using the internet to apply for loans? (Select only one option)

T