Annex C. Survey questionnaire in English

General information about the respondent

1. Gender of respondent (Single answer)
1. 1. Male
2. 2. Female
2. Age of respondent, years (Single answer)
1. 1. 18-20
2. 2. 21-25
3. 3. 26-35
4. 4. 36-45
5. 5. 46-55
6. 6. 56-64
7. 7. 65 and over
3. What is your educational background?

No education	1	College	7
Primary education	2	Unfinished higher education	8
Unfinished secondary school	3	Higher education	9
Secondary school	4	Academic degree (e.g. graduate or doctoral degree)	10
Technical education	5	Don’t know	98
Lyceum	6	Refused to respond	99

4. What is your marital/family status?
1. 1. Single, no children
2. 2. Single, with children
3. 3. Married, no children
4. 4. Married, with children
5. What is the monthly income of your household (in KGSs)? Please count all net incomes, including salaries, pensions, grants, etc.

Up to 700 KGS	1	6 001-8 000 KGS	9
701-900 KGS	2	8 001-10 000 KGS	10
901-1 200 KGS	3	10 01-12 000 KGS	11
1 201-1 500 KGS	4	12 001-15 000 KGS	12
1 501-2 000 KGS	5	15 001-18 000 KGS	13
2 001-3 000 KGS	6	18 001-20 000 KGS	14
3 001-4 000 KGS	7	More than 20 001 KGS	15
4 001-6 000 KGS	8	Don’t know/Refused to respond	99

6. How many people are there in your household, including you?
7. Are you currently employed?

Yes	1	Skip to Q9
No	2	Skip to Q8 Then to Q12
Don’t know	98
No response	99

8. If you are not employed, what is your status?

Student	1	Unemployed, not looking for a job	5
Retired (age, disease)	2	Other ______________	6
Home maker, parental leave	3	Don’t know	98
Unemployed, looking for a job	4	No response	99

Please skip to Q12.

9. Which sector do you work in – private, public or non-government (NGO)?

Private	1	Non-government (NGO)	3
Public	2	Don’t know/No answer	99

10. What is your current occupation?

Director, deputy director, manager	1	Unqualified worker	7
Specialist	2	Farmer	8
Technician	3	Military	9
Office worker	4	Other_____________	10
Services, trade	5	Don’t know/No answer	99
Qualified worker, craftsperson	6

11. What is the economic activity that is the most relevant to your occupation? (Single answer)
1. 1. Crop production (e.g. cotton, tobacco, barley, sugar beet, lucerne seeds, seed potatoes)
2. 2. Fruits and vegetable sector (e.g. tomatoes, cucumber, cherry tomatoes, berries, cherry, fresh beans, medicinal herbs)
3. 3. Animal husbandry (e.g. cattle, goat and sheep breeding)
4. 4. Poultry and egg production
5. 5. Gardening
6. 6. Processing of agricultural products
7. 7. Textile
8. 8. Small machinery
9. 9. Other types of manufacturing industry
10. 10. Mining and quarrying
11. 11. Trade, transport, storage and wholesale
12. 12. Retail
13. 13. Utility (e.g. energy, water, heat supplies)
14. 14. Financial and insurance
15. 15. Other service industry
16. 16. Civil servant or municipal worker (e.g. aiyl okmotu)
17. 17. Scientific research
18. 18. Military service
19. 19. Unemployed
20. 20. No answer
12. Types of settlements (Single answer)
1. 1. Cities with population = 1 million or more
2. 2. Cities 500 000 - 999 000
3. 3. Cities 100 000 - 499 000
4. 4. Cities 50 000 - 99 000
5. 5. Towns 10 000 - 49 000
6. 6. Towns/Rural Villages 2 000 - 9 999
7. 7. Towns/Rural Villages fewer than 2 000
13. Which city/oblast do you live in? (Single answer)

	CIRCLE ONE RESPONSE:
Bishkek city	1
Chuiskaya oblast	2
Talasskaya oblast	3
Narynskaya oblast	4
Issyk-Kulskaya oblast	5
Osh city	6
Oshskaya oblast	7
Jalalabatskaya oblast	8
Batkenskaya oblast	9

Questions about the subject

14. Do you have a bank account? (Single answer)

Yes	1	Skip to Q15
No	2	Skip to Q16
Don’t know	98
No response	99

15. Do you use mobile banking?

Yes	1
No	2
Don’t know	98
No response	99

16. Over the past 5 years, have you taken a loan or any other form of financial product from a bank or a non-bank financial institution for any reasons? Please circle the number in each of the columns “a” to “c”.

	a. Banks	b. Microfinance institutions/ Microcredit organizations	c. Credit Unions
Yes, but only once	1	4	7
Yes, repeatedly	2	5	8
No	3	6	9

17. If your answer to Question 16 is YES, what was the amount of money you took? (If you have held multiple loans or other financial products, please indicate the amount on average per loan/product.) (Single answer)
If your question to Question 16 is NO, please skip to Question 19.
1. 1. Up to USD 500 (Up to KGS 35 000)
2. 2. USD 501 to USD 1 000 (KGS 35 001 to KGS 70 000)
3. 3. USD 1 001 to USD 2 000 (KGS 70 001 to KGS 140 000)
4. 4. USD 2 001 to USD 5 000 (KGS 140 001 to KGS 350 000)
5. 5. USD 5 001 to USD 10 000 (KGS 350 001 to KGS 700 000)
6. 6. USD 10 001 to USD 50 000 (KGS 700 001 to KGS 3 500 000)
7. 7. More than USD 50 000 (More than KGS 3 500 000)
8. 8. Don’t know
9. 9. No response
18. If your answer to Question 16 is YES, what was your main purpose (or purposes) for borrowing money? (Multiple choice)
1. 1. Personal (mortgage / housing)
2. 2. Personal (other purposes)
3. 3. Business (Investment in fixed assets, e.g. cars, facilities, buildings, etc.)
4. 4. Business (operation expenditure e.g. seeds, labour, material for production, etc.)
5. 5. Repayment of debts
6. 6. Don’t know
7. 7. No response
19. If your answer to Question 16 is NO, what is the main reason(s)? (multiple choice)
1. 1. You do not have a bank account.
2. 2. You have difficulties in understanding how to access and use the banking services.
3. 3. Interest rate is too high.
4. 4. Lending term is too short.
5. 5. Repayment schedule is not convenient enough.
6. 6. You do not have sufficient collateral to pledge.
7. 7. You do not have enough information about financial products to make a good decision.
8. 8. You do not have enough information about activities for which the funding should be used.
9. 9. You would be afraid of integrity issues such as corruption and bribes.
10. 10. Any other reason (Please specify)_________________________
11. 11. Don’t know
12. 12. No response
20. [Please answer this question, if your answer to Question 16 is YES.]
Over the past 5 years, have you taken loans or any other form of financial products from a bank or non-bank financial institution to purchase equipment for any of the following activities? (Multiple choice)

1. Production of energy from renewable sources (e.g. solar panels, biogas plants)	Y/N
2. Electricity/heat/energy saving and management (e.g. house insulation, more efficient boilers)	Y/N
3. Management of water use (e.g. more efficient irrigation systems, better access to clean water, etc.)	Y/N
4. Wastewater management	Y/N
5. Waste management	Y/N
6. Switching crops to the ones that are more environmentally-friendly or resilient to changing climate/weather	Y/N
7. Switching choice of livestock species and breeds	Y/N
8. Use of new and alternative feed crop varieties for livestock	Y/N
9. Protection of biodiversity and landscapes	Y/N
10. Management of forest resources (e.g. agro-forestry, wildfire reduction, etc.)	Y/N
11. Protection of ambient air (avoiding outdoor air pollution)	Y/N
12. Agriculture insurance or any other disaster risk insurance	Y/N
13. Any other activity (Please specify what the activity is.) _________________	Y/N
14. Don’t know	Y
15. No response	Y

21. If your answer to Question 20 is YES, what was the amount of money you took? (If you have held multiple loans or other financial products, please indicate the amount on average per loan/product.) (Single answer)
1. 1. Up to USD 500 (Up to KGS 35 000)
2. 2. USD 501 to USD 1 000 (KGS 35 001 to KGS 70 000)
3. 3. USD 1 001 to USD 2 000 (KGS 70 001 to KGS 140 000)
4. 4. USD 2 001 to USD 5 000 (KGS 140 001 to KGS 350 000)
5. 5. USD 5 001 to USD 10 000 (KGS 350 001 to KGS 700 000)
6. 6. USD 10 001 to USD 50 000 (KGS 700 001 to KGS 3 500 000)
7. 7. More than USD 50 000 (More than KGS 3 500 000)
8. 8. Don’t know
9. 9. No response
22. If your answer to Question 20 is YES, please circle the number in each of the columns “a” to “c”. (Please add all the choices you made above, in case of multiple times of borrowing.)

	a. Banks	b. Microfinance institutions/ Microcredit organizations	c. Credit Unions
Yes, but only once	1	4	7
Yes, repeatedly	2	5	8
No	3	6	9

23. If your answer is YES, are you generally satisfied with the financial product you have taken and its accompanying services? (Single answer)
1. 1. Yes
2. 2. No (Please specify reasons: ____________________)
24. Would you be interested to take any financial product (e.g. loans) to fund any of the activities listed below in the future?
If you are interested in none of the below activities, please proceed to Question 27. (multiple choice)

1. Production of energy from renewable sources (e.g. solar panels, biogas plants)	Y/N
2. Electricity/heat/energy saving and management (e.g. house insulation, more efficient boilers)	Y/N
3. Management of water-use (e.g. more efficient irrigation systems, better access to clean water, etc.)	Y/N
4. Wastewater management	Y/N
5. Waste management	Y/N
6. Switching crops to the ones that are more environmentally-friendly or resilient to changing climate/weather	Y/N
7. Switching choice of livestock species and breeds	Y/N
8. Use of new and alternative feed crop varieties for livestock	Y/N
9. Protection of biodiversity and landscapes	Y/N
10. Management of forest resources (e.g. agro-forestry, wildfire reduction, etc.)	Y/N
11. Protection of ambient air (avoiding outdoor air pollution)	Y/N
12.Agriculture insurance or any other disaster risk insurance	Y/N
13. Any other activity (Please specify what the activity is.) _________________	Y/N
14. Don’t know	Y
15. No response	Y

25. If your answer to Question 24 is YES, what would be the average amount per loan/product you would be interested to take? (Even if you want to take multiple loans or other financial products, please indicate the amount on average per loan/product.) (Single answer)
1. 1. Up to USD 500 (Up to KGS 35 000)
2. 2. USD 501 to USD 1 000 (KGS 35 001 to KGS 70 000)
3. 3. USD 1 001 to USD 2 000 (KGS 70 001 to KGS 140 000)
4. 4. USD 2 001 to USD 5 000 (KGS 140 001 to KGS 350 000)
5. 5. USD 5 001 to USD 10 000 (KGS 350 001 to KGS 700 000)
6. 6. USD 10 001 to USD 50 000 (KGS 700 001 to KGS 3 500 000)
7. 7. More than USD 50 000 (More than KGS 3 500 000)
8. 8. Don’t know
9. 9. No response
26. If your answer to Question 24 is YES, what barriers do you think you might face in actually taking such a loan/financial product? (Multiple choice)
1. 1. You do not have a bank account.
2. 2. You have difficulties in understanding how to access and use the banking services.
3. 3. Interest rate may be too high.
4. 4. Lending term may be too short.
5. 5. Repayment schedule may not be convenient enough.
6. 6. You may not have sufficient collateral to pledge.
7. 7. You may not have enough information about financial products to make a good decision.
8. 8. You may not have enough information about activities for which the funding should be used.
9. 9. You would be afraid of integrity issues such as corruption and bribes.
10. 10. Other barriers (Please specify)_________________________________
11. 11. Don’t know
12. 12. No response

Please skip to Question 27.

27. If your answer to Question 24 is NO, why are you not interested in such a loan/financial product? (Multiple choice)
1. 1. You will use your own funding (e.g. savings) and it is enough, hence will not take loans.
2. 2. You do not have sufficient information about such loans or financial products to make a decision.
3. 3. You think such loans or financial products would be too expensive for you.
4. 4. You do not have enough information about activities for which the funding may be used.
5. 5. Necessary equipment for the activities seems too expensive or unavailable in the Kyrgyz market.
6. 6. Environmental regulations are not strict enough to incentivize you to take any actions listed in Question 24, hence you have no financial need.
7. 7. You have other priorities and cannot use your credit for the activities listed in Question 24.
8. 8. You are not interested in environmental protection or sustainable development in the first place.
9. 9. Other reasons (Please specify.)_________________________
28. What kind of support would you like to receive to consider using financial products for any of the activities listed in Question 24? (Please choose the three most important ones for you).
1. 1. Support to lower interest rates
2. 2. Longer lending terms
3. 3. Setting a grace period
4. 4. Support for fulfilling collateral requirements
5. 5. Further information about available financial products
6. 6. Further information about technical solutions to be financed
7. 7. Stricter environmental regulations
8. 8. Other types of support (Please specify)______________________________

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