Survey on a research that is exploring unsecured lending for point of sales and bill payments.

Dear respondents,

I am working on exploring unsecured lending for point of sales and bill payments in sub-Saharan Africa and I need your help to complete the survey below - it takes on average 10 minutes to complete, and your responses will be used purely for this research.

As a sign of gratitude, I will be giving away randomly 5 Amazon coupons worth 10 € each and the winners will be announced on 06.07.2019 so please share your email at the end.

If you have any questions about the survey, please send an email to joshuabakare13@gmail.com

Thank you for your time!
Joshua

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* 1. What is your gender?

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* 2. Please select your country

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* 3. What age group do you belong?

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* 4. What is your approximate average monthly income (USD Equivalent)

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* 5. How many dependents do you currently have?

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* 6. Which of the following categories best describes your employment status?

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* 7. How would you describe your income cycle?

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* 8. What is your approximate average daily spending? (USD Equivalent)

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* 9. in the last 12 months, how often has your spending exceeded your monthly income?

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* 10. What are the reasons that sometimes make you exceed your monthly income? Please select all that apply

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* 11. How do you prefer to pay for goods and services
(Electronic payment means with cards, mobile/web applications, mobile money etc.)

  Definitely not me Slightly describes my preference Moderately describes my preference Mostly describes my preference
Cash Only
Electronic payments only
Cash and Electronic payments
Cheques Only

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* 12. Which of the following best describes where you made most of your recent purchases?

  least describe me Moderately describe me Mostly describe me
Shops or Kiosks
Supermarket or Shopping Mall
Online

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* 13. In the last twelve months, which of these options have you explored for credit to compliment your income for purchases? Please select all that apply.

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* 14. Mention the top three (3) credit lending companies that you have borrowed from in the last 3-6 months

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* 15. When you are considering borrowing money how important does the following matter to you?

  Not Important Slightly important Moderately important Very important The most Important
Instant Loan decision
less documentation requirements
low Interest rates
No hidden Charges
flexible repayment terms
Opportunity to top-up existing loan anytime

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* 16. In the last 3 - 6 months, have you paid instalmentally for any good or service?
*Instalmentally means payments in parts

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* 17. If you answered yes to the above, by what means were the instalmental payments made?

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* 18. With what type of institution did you use the instalmental payment option? Select a

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* 19. Do you CURRENTLY have any of the following types of loans? (Please select all that apply.)

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* 20. How helpful do you consider the following credit products

  Definitely not helpful Slitghly helpful Moderately helpful Quite Helpful Extremely helpful
Instant Digital credit option for all payments for goods and services (Offline and Online)
Credit Card from a bank for all your purchases (offline and Online)
3-6 months loan from a money lender or online credit company
Salary Advance loan from any source
Soft loan from friends and family

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* 21. How often do you consider taking a short-term loan?

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* 22. If you were given a credit to complement your income, how much limit would you require? (USD Equivalent)

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* 23. Which of the following best describe your preferred repayment terms?

  Least Preferred Slightly preferred Moderately preferred More preferred Mostly preferred
Weekly (over 3-6 months)
Bi-monthly (over 3-6 months)
Monthly (over 3-6 months)
Monthly (over 6-12 months)
Anytime my account is funded

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* 24. Which of the following information are you willing to share for credit application? Select all that apply.

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* 25. How familiar are you with Digital instant loan products?

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* 26. In General, What do you think of instant digital loan products?

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* 27. Which of the following best describe your preferred interest pricing?

  Least Prefered Slightly preferred Moderately preferred More preferred Most Preferred
Annual Interest rate
Flat Monthly Interest rate
Flexibility to choose between annual and monthly
Zero interest + One time Annual subscription payment
Flat Daily Interest Rate

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* 28. Please select all applicable interest pricing in your previously taken loans

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* 29. Please describe your preferred interest rate option(s)

  Least Preferred Slightly Preferred Moderately preferred Mostly preferred My Favorite
Annual fee ($25-$250) + Zero Interest
3-7% Flat rate Monthly Interest
10% to 35% Annual Interest Rate
0.8% Daily Interest rate
Zero Interest rate + Annual Subscription Fee

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* 30. What do you think of an interest free borrowing with a annual subscription payment?

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* 31. How did you hear about Instant Digital loans? Please select all that apply.

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* 32. What do you consult when deciding on what instant digital loan product to choose?

  Not Relevant Slightly Relevant Moderately Relevant Quite relevant Extremely Relevant
Trusted Friends and colleague
Google search and online reviews
Product website
Blog posts and expert review
Loan pricing websites

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* 33. (Optional) Amazon Voucher Winner Announcements: Please share your contact email if you would like to receive updates regarding this survey and the draw.

0 of 33 answered
 

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