PhD dissertation data collection 

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.
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1. Do you save money every month? (Select only one option)
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2. On average how much money do you save each month? (Select only one option)
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3. Where do you save money? (You may select more than one option for this question)
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4. On average how much do you earn on your savings annually? (Select only one option)
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5. Do you bank online? (Select only one option)
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6. Have you made any online purchases in the past 12 months? (Select only one option)
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7. Have you given a loan to a family member or friend? (Select only one option)
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8. Has a family member or friend ever defaulted or not repaid their loan to you? (Select only one option)
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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)
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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)
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11. Would earning above 20% in interest encourage you to lend money an individual? (Select only one option)
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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)
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13. Would you lend money to a person who lived outside the province in which you live? (Select only one option)
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14. Would you lend money to a person who was a different race or gender to you? (Select only one option)
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15. What interest rate would you charge on a loan if you had to lend money? (Select only one option)
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16. What types of loans do you have? (You may select more than one option for this question)
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17. What do you use your loan/s for? (Select only one option)
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18. Where did you get your loan/s from? (You may select more than one option for this question)
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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)
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20. Would you or have you gone online to take out a loan? (Select only one option)
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21. Would you consider taking out a loan from an individual or person instead of a bank or credit provider? (Select only one option)
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22. What is your biggest concern when taking out a loan? (You may select more than one option for this question)
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23. What is the interest rate on your most expensive loan? (Select only one option)
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24. Would you take out a cheaper loan (at a lower interest rate) to pay off a more expensive loan? (Select only one option)
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25. Would you take a loan from a family member or friend if it had a lower interest rate? (Select only one option)
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26. Would you feel more pressure to repay a loan from a family member or friend than from a bank? (Select only one option)
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27. Would you feel comfortable to use an online platform to ask for a loan? (Select only one option)
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28. Do you feel you are coping with your current levels of debt and repayments? (Select only one option)
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29. Do you think banks and other credit providers charge too much on their loans? (Select only one option)
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30. Are you comfortable with using the internet to apply for loans? (Select only one option)
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