Result Code of the interview
1 = Questionnaire completed
2 = Partially filled
3 = Interview postponed
4 = Selected respondent not at home
5 = Nobody at home
6 = Vacant house/flat/standing/not a house or flat
7 = No person qualifies according to the survey specifications
8 = Respondent is physically/mentally not fit to be interviewed
9 = Respondent cannot communicate with Enumerator because of language
10 = Contact person in household refused
11 = Interview refused by selected respondent
12 = Interview refused by parent/spouse

STUDY REGION
0 = Aire Metropolitaine
1 = Artibonite
2 = Centre
3 = GrandAnse
4 = Nippes
5 = Nord
6 = Nord-Est
7 = Nord-Ouest
8 = Ouest
9 = Sud
10 = Sud-Est

1 = Urban
2 = Rural

DEPARTMENT
1 = Ouest
2 = Artibonite
3 = Centre
4 = GrandAnse
5 = Nippes
6 = Nord
7 = Nord-Est
8 = Nord-Ouest
9 = Reste-Ouest
10 = Sud
11 = Sud-Est

1 = Ouest
2 = Artibonite
3 = Centre
4 = GrandAnse
5 = Nippes
6 = Nord
7 = Nord-Est
8 = Nord-Ouest
9 = Aire Metropolitaine
10 = Sud
11 = Sud-Est

Telephone No of the household head
1 = Yes
2 = No

B01:(1st member) is which Sex?
1 = Male
2 = Female

B03: What is the parental relationship between (1st member) and the head of hous
1 = head of household
2 = spouse/Husband
3 = Son/daugther
4 = Brother/Siter
5 = father, mother
6 = other Parental link
7 = No parental link

B05: Has (1st member) already been to Primary or nursery school?
1 = Yes
2 = No
8 = DNK

B06n: What is the highest level of education that (1st member) has attained?
1 = Alphabetized
2 = Preschool
3 = Primary
4 = Secondary 1st cycle
5 = Secondary 2nd cycle
6 = Higher
8 = DNK

B06c: What is the last class that (1st member) has successfully completed at thi
8 = --
9 = 1
10 = less than 1 Year
11 = SIL/Class 1
12 = CP/CPS/class 2
13 = CP/CPS/class 3
14 = CP/CPS/class 4
15 = CP/CPS/class 5
16 = CP/CPS/class 6 or 7
18 = DNK
20 = less than 1 Year
21 = A.T/Form 1
22 = A.T./Form 2
23 = A.T./Form 3
24 = DNK
28 = less than 1 Year
30 = A.T./Form4
31 = 2nde G ou T/Form 5
32 = G ou T/Lower 6
33 = G ou T/Upper 6
38 = DNK
40 = less than 1 Year
41 = 1 st Year
42 = 2nd Year
43 = 3rd Year
44 = 4th or 5th Year
45 = 6th Year or more
49 = --

B06a: In which language system (1st member) did / does he / she attend at this l
1 = French / Creole speaking
2 = English-speaker
3 = Other

A.1.3. What is your current marital status?
1 = Single
2 = Free Union
3 = Married
5 = Divorced
6 = Widow (er)

A.1.4aa What is the highest level of education achieved?
1 = No Schooling
2 = Alphabetized
3 = Preschool
4 = Primary
5 = Secondary (1st Cycle)
6 = Secondary (2nd cycle)
7 = University/Higher Education

A1.5a When you are sick, where do you go to treat you in general?: Public Hospit
0 = No
1 = Yes

A1.5b When you are sick, what is the first place you go to get treatment?
1 = Public Hospitals
2 = Private hospitals
3 = Public Health centers
4 = Private Health centers
5 = Home consultation structures
6 = Traditional Healers /Naturopathist
7 = Friends or Family Members
8 = Pharmacy
9 = Road side Drug vendors ( fix and mobile)
10 = Self-medication ( I treat myself)
11 = Church
12 = Voodoo priest
96 = Other (specify)

A1.8. What is the main handicap you have?
1 = Visual impairment (blind, partially sighted)
2 = Speech disability (stuttering, mute, etc.)
3 = Hearing impairment (deaf, hard of hearing)
4 = Mental disability (insane, fool, mad, etc.)
5 = Physical disability (handicap, paralysis, etc.)
6 = Deaf-mute
7 = Other handicap (to be specified)

A2. Who is the head of the household?
1 = I am
2 = Someone else is the head of household

A2b. Is the household head a man or a woman?
1 = Man
2 = Woman

A2c. What is the CURRENT marital status of the head of household?
1 = Single
2 = Free Union
3 = Married
4 = Divorced
5 = Widow (er)

A3a. What is the educational level of the Household head?
1 = No Schooling
2 = Alphabetized
3 = Preschool
4 = Primary
5 = Secondary (1st Cycle)
6 = Secondary (2nd cycle)
7 = University/Higher Education "

A4. What is your relationship to the head of the household?
1 = Spouse
2 = Son/Daugther
3 = Brother/Sister
4 = Father/Mother
5 = Other relative
6 = Unrelated

B10a. Tell me if it is, Very easy, Easy, Difficult or Very Diffuclt for you to
1 = Very easy
2 = Easy
3 = Difficult
4 = Very Diffuclt
5 = Not applicable

B10b1. Has the working situation of your household improved during the past 12 m
1 = Yes
2 = No
3 = DNK

B11a. Please tell me which of these statements best describe your household situ
1 = Your household is only involved in farming or livestock and no-one in the household does any other work
2 = Your household is involved in farming or livestock and in other domains
3 = You or any other member of your household is NOT involved in farming or livestock

B11b1. Record the surface area in square meter if less than 1 hectare and in hectares if greater than or equal to 1hectare
1 = Mc
2 = Ha
3 = DNK

B11c2. Do you have at least one title deed or an official document (eg ownership document) concerning the land you own or exploit?
1 = Yes
2 = No
98 = DNK

B11d. Is the production by you or your household destined for consumption or se
1 = Consumption only
2 = Selling only
3 = Both consumption and selling

B11e. How much of your production do you usually sell?
1 = Less than half
2 = More than half
3 = Equal quantities for sale and for consumption (50:50)
8 = DNK

Agricultural produce
1 = Cocoa
2 = Coffee
3 = Cotton
4 = Peanuts
5 = Tobacco
6 = Plantain/Banana
7 = Banana
8 = Tomatoe
9 = Cassava
10 = Yam
11 = Potatoe
12 = Yam
13 = Potatoe
14 = sweet Potatoe
15 = Corn
16 = Rice
17 = Millet and Sorghum
18 = Pineapple
19 = Onion
20 = Beans
21 = Pepper
22 = Citrus fruits (orange, Lime, Grape fruits)
23 = Avocado
24 = Avocado
25 = Mango
26 = HÃ©vÃ©a
27 = vegetables
28 = Vegetables
29 = Vegetables
30 = Vegetables
31 = Vegetables
32 = LÃ©gumes Ã©pinard, aubergine, carottes, etc.)
33 = Vegetables
34 = Autre produit de lâ€™agriculture (Ã prÃ©ciser)--

Agricultural produce
1 = Cattle
2 = Goat
3 = Sheep
4 = Rabbit
5 = Rabbit
6 = Pork / pig
7 = Horse/donkey
8 = chicken
9 = Other poultry
10 = Fresh eggs
11 = Natural honey
12 = Fresh, smoked or dry Game
13 = Other livestock and hunting produce

Agricultural produce
1 = Raw wood (logs)
2 = Construction wood
3 = Firewood
4 = Furniture woods

Agricultural produce
1 = Poissons
2 = Crustaceans and other fishery products

B1a. What is the main roofing material of this house?
1 = Cement/Concrete/Slab
2 = Metal Sheet/tiles
3 = Mats / thatch / leaves / straw
4 = Earth
96 = Other (specify)

B1b. What is the principal material used for the walls of this house
1 = Wood
2 = Earth
3 = Cement/blocs
4 = Sheet metal
5 = Cartons/Plastics
6 = Rocks/brics
7 = Clisses
96 = Other (specify)

B1c. What is the main material of the floor of this house?
1 = Cement
2 = Tile
3 = Wood
4 = Earth
5 = Ceramic/Marble
96 = Other (specify)

B2b. Please tell me which of these statements best describes the ownership status of your house or dwelling that you live
1 = Owner of the house
2 = Co-owner of the house
3 = Another member of my household owns the house
4 = Tenant
5 = Another member of the household rents the house
6 = The house is provided for free
96 = Other (specify)
98 = Do Not Know

B2d. How did you acquire your house or dwelling?
1 = Bought it
2 = Built it
3 = Inherited it or given by family member
4 = The Government gave me
96 = Other (specify)

B4a. What is the main source of drinking water for your household?
1 = Individual pipe borne water DINEPA
2 = Collective pipe borne water
3 = Retailer of pipe borne water
4 = Public waterfountain
5 = Bore hole
6 = Well with pump
7 = Protected well
8 = Unprotected Well
9 = Protected source
10 = Unprotected source
11 = Rain water
12 = Water Tanker
13 = Cart with small tank / Barrel
14 = Surface water (river, streams, dam, lake, pond Irrigation canals)
15 = Bottled water (Mineral)
16 = Sachet water
96 = Other (specify)

B4b. What is the main type of toilet used in your household?
1 = Connected to sewage system
2 = Connected to a septic tank
3 = Connected to latrines
4 = Linked to something else
5 = Connected to unknown location / not safe / DNK
6 = Improved ventilated latrines (IVL)
7 = Pit latrines with slab
8 = Pit latrines without slab / open hole
9 = Composting Toilets
10 = Buckets
11 = Suspended Toilets / Latrines
12 = No toilets / bush / field
96 = Other (specify)

B5b. In the course of the last 7 days, generally, how many hours a day do you ha
1 = No electricity / 0 hour
2 = Less than 2 hours
3 = Between 2 hours to less than 5 hours
4 = Between 5 hours to less than 8 hours
5 = Between 8 hours to less than 12 hours
6 = Between 12 hours to less than 15 hours
7 = Between 15 hours to 24 hours
8 = All the time

B5c. What is the main source of electricity used by your household?
1 = EDâ€™H/Indiviual connection
2 = EDH/Collective connection
3 = Illegal connection
4 = Generator
5 = Solar Panels
6 = Inverter
7 = No electricity
96 = Other (specify)

What is the main source of lighting in your house?
1 = Electricity of the public utility company / source of electricity of the city
2 = Household Generator
3 = Battery
4 = Solar Panels
5 = Kerosene lamp
6 = Battery lamp
7 = Solar lamp
8 = Candle
9 = Liquefied petroleum gas (LPG) / Natural gas
10 = Biogas
11 = Torch
96 = Other (specify)
99 = None

B7b. Are you interested in owning a solar energy or solar home system?
1 = Yes, I own one
2 = Yes, I would like to
3 = No, I am not

B9a1. During the last 12 months, that is since (current month) 2017, tell me if
1 = Often
2 = Sometimes
3 = Rarely
4 = Never
8 = Don t know/ not concerned

B9a3. During the last 12 months, that is since (current month) 2017, tell me if you or your household Not been able to send children to school because of lack of money for transport or uniform or other school expenses?
1 = Often
2 = Sometimes
3 = Rarely
4 = Never
8 = Dont know/ not concerned

B9db. What was the main cause of this situation?
1 = Poor harvests due to drought attack
2 = Poor harvests due to insects
3 = Poor harvests due to the low access to land
4 = Poor harvests due to lack of inputs
5 = Poor harvests due to poor soils
6 = High cost of products on the market
7 = Difficult access to markets because of high transport costs
8 = Weak financial resources
9 = No food market
10 = Conflict (tribal land ...)
11 = Floods
96 = Other (specify)

Bf11f2: How much time do you take to get to (Direct to the consumer)
1 = Less than 5 mins
2 = 5 to 14 mins
3 = 15 to 29 mins
4 = 30 to 60 minutes
5 = 61 mins to 1 hr 30 mins
6 = 1 hr 31 mins to 1 hr 59 mins
7 = 2 to 5 hrs
8 = More than 5 hrs
98 = Do Not Know

C10. What is your TOTAL MONTHLY INCOME OF YOUR HOUSEHOLD? Please include all sources of income such as salary, grants, wages from temporary job, pension, revenue from investment, etc.
1 = Exact amount estimated
2 = Less than 500 GOURDES
3 = Between 500 GOURDES and 999 GOURDES
4 = Between 1000 GOURDES and 1999 GOURDES
5 = Between 2000 GOURDES and 2999 GOURDES
6 = Between 3000 GOURDES and 4999 GOURDES
7 = Between 5000 GOURDES and 7499 GOURDES
8 = Between 7500 GOURDES and 9999 GOURDES
9 = Between 10000 GOURDES and 14999 GOURDES
10 = Between 15000 GOURDES and 19999 GOURDES
11 = Between 20000 GOURDES and 29999 GOURDES
12 = Between 30000 GOURDES and 49999 GOURDES
13 = Betwen 50000 GOURDES and 74999 GOURDES
14 = 75000 GOURDES and over
98 = Do not know
99 = No income

C11a. On the money you receive or earn, what is the level of control that you can claim to have about how this money is used and / or spent?
1 = You have total control
2 = Together with other people, you control how your money is spent; such as a family member.
3 = You have no control over how your money is spent
98 = Do no know

C13d. Please tell me, are you sometimes, always, rarely or never short of cash for food ration or important things like medicine, lectricity bill and rents before the end of the month ?
1 = Always
2 = Most times
3 = Not often
4 = Never

C2: How often do you receive the money from :Money from farming or livestock or commercialisation of agricultural products?
1 = Day
2 = Week
3 = Month
4 = Quarter
5 = Semester
6 = Year

C3: How that money is often paid / received (the most common mode)Money from farming or livestock or commercialisation of agricultural products?
1 = Cash
2 = Cheque
3 = Bank transfer
4 = Payment in kind
5 = Payment by mobile
6 = Transfer by financial institution
96 = othrs (specify)

C7b Do you work on a permanent, temporary or seasonal basis?
1 = = Permanent
2 = Temporary
3 = Seasonal

C7c. Do you work full-time or part-time?
1 = Full-time
2 = Part-time
6 = Other,( specify)

D4.1. You can rely on your friends or neighbours to help you out in difficult times
1 = Agree
2 = Disagree
98 = DK / NA

E1a: How long do you usually take or would you take to go from your home to your nearest :Work place?
0 = Less than 10 minutes
1 = 10 to 20 minutes
2 = 21 to 30 minutes
3 = 31 to 60 minutes
4 = 61 minutes to less than 2 hours
5 = 2 hours o less than -5 hours
6 = 5 hours and above
7 = Not applicable
98 = DNK

E1b: By what means you do you usually move to these places you mentioned:Work place?
1 = Walk
2 = Bus
3 = Bicycle
4 = Taxi/Moto
5 = Own car/ Motorbike
96 = Other

F10b: Please tell me the type of area where lives : Someone from whom we borrewed money?
1 = Urban area
2 = Rural area
3 = Outside of the country

F10d: By which main means have you generally received money from : Someone from whom we borrowed money?
1 = Into your bank account
2 = Into someone else’s bank account
3 = Money transfer agencies
4 = Transfer via bank (C-cash)
5 = Mobile money (e.g. Moncash, Lajancash)
6 = Friends or family
7 = Motorcycle / taxi / transit company
8 = combination of many means, one of which if formal
9 = combination of many informal means
96 = Other (specify)

F12a. What is the total amount of money you received from others during the last three months
1 = Exact amount estimated
2 = Less than 500 GOURDES
3 = Between 500 GOURDES and 999 GOURDES
4 = Between 1000 GOURDES and 1999 GOURDES
5 = Between 2000 GOURDES and 2999 GOURDES
6 = Between 3000 GOURDES and 4999 GOURDES
7 = Between 5000 GOURDES and 7499 GOURDES
8 = Between 7500 GOURDES and 9999 GOURDES
9 = Between 10000 GOURDES and 14999 GOURDES
10 = Between 15000 GOURDES and 19999 GOURDES
11 = Between 20000 GOURDES and 29999 GOURDES
12 = Between 30000 GOURDES and 49999 GOURDES
13 = Between 50000 GOURDES and 74999 GOURDES
14 = 75000 GOURDES and over
98 = Refuse

F3d: What is the main means that you usually send money to: Someone from whom you borred money?
1 = Cash deposited at bank
2 = Money transfer agencies
3 = Transfer via MFI/Bank (C-Cash)
4 = Mobile money
5 = Banking Transaction
6 = Friends or family
7 = Motorcycle / taxi / transit company
8 = Combination of many meanss, one of which if formal
9 = Combination of many informal means
96 = Other (specify)

F5. In which of these ways, if any, did you or would you trust most to send your money to people living in Haiti?
1 = Bank transfer
2 = Money transfer agencies (CamTransfert, Unitransfer, SogeExpress Western Union, Money Gram, etc, ...)
3 = Courier /parcel delivery services DHL, Fedex, etc.
4 = Friends or family member
5 = Transfer via mobile phone (Mobile Money) (e.g.: Lajancash, Moncash)
6 = Banking transaction via phone
7 = Banking transaction via the Internet or online
8 = Motorbike or taxi or public transport company
9 = Give the money to someone else, a friend or other family member
96 = Other (specify)
99 = None

F7. If we think of the past 12 months, how many times have you given money to family members, friends or neighbours for situations like this ?
1 = More than once per month
2 = Once a month
3 = Not every month
4 = Never
96 = Other (specify)

G2a: Please tell me what your household did in response: Death of the main income provider?
1 = Claimed insurance
2 = Used savings
3 = Borrowed money
4 = Sold something to get money
5 = Gift (assistance ) from parents friends and well wishers
96 = Other (SPECIFY)
98 = Don’t know
99 = Nothing

G3_1. There are ways other than insurance to protect yourself against future problems
1 = Agree
2 = Disagree
98 = Not sure

G4b:Please tell me about your use of each of these insurance products or coverage or pension funds,that you have heard of using the options that I will read out to you. Which statement best describes your use of : Life Insurance?
1 = Have now
2 = Used to have
3 = Never had

G4c:Please tell me what is the duration of /how long you have had this product ?: Life Insurance?
1 = Less than 1 year
2 = 1 to 3 years
3 = More than 3 years

G5a. Some prople sometimes make provisions for their burial expenses for example by subscribing to an insurance policy, saving in emergency accounts in njangi groups. Have you made provisions for expenses of burial ?
1 = Yes
2 = No, because taken into account in my job
3 = No

G6.1. Having insurance protects you when you have a problem
1 = Agree
2 = Disagree
98 = DNK

H4a:Still on the borrowing of money and credit, please tell me about your expe:Commercial Bank?
1 = Currently indebted
2 = Indebted during the last 6 months (but not now)
3 = Never been indebted /indebted more than 6 months ago

H4c:How long have you had this current or past loan for (contractual duration of t he loan)?:Commercial Bank?
1 = Less than 1 year
2 = Between 1-3 years
3 = Over 3 years

H4e:For what reasons did you mainly borrow for? :Commercial Bank?
1 = Medical expenditure - emergency
2 = Medical expenditure - planned
3 = An emergency situation other than medical
4 = To care for a sick relative
5 = Funeral expenses
6 = A marriage / wedding
7 = Traditional ceremony
8 = Graduation ceremony
9 = Coping with loss/damage to personal assets e.g. car
10 = Coping with loss/damage to business/productive asset
11 = Tuition or training
12 = Additional family member e.g. new baby
13 = Pay water bills / electricity / phone
14 = Purchase of household appliances, goods or furniture
15 = Purchase of a bicycle, motorcycle, car, pickup truck or other means of transport
16 = Living expenses when you do not have money
17 = Purchase or construction housing for habitation
18 = Improving or renovating a home
19 = Purchase of housing or land for rent
20 = Purchase of land
21 = Purchasing livestock
22 = Agricultural equipment purchase
23 = Purchase of agricultural inputs such as seeds or fertilizers
24 = Start or expand my business
25 = Putting money or property in the business of someone else
26 = Pay off debts
96 = Other, specify
97 = None of these cases

H5b. Since obtaining one (or all of ) your loan (s) or credit (s) , would you agree that the loan or credit improved your livelihood or helped you?
1 = Yes, my life improved because of the loan
2 = No, my life worsened because of the loan
3 = My life has remained unchanged
98 = DNK

H6a1. In total, how much do you currently owe? PLEASE include all outstanding debts from all activities that you mentioned.
1 = Actual amount stated
2 = Refusal
98 = Do Not know

H8a. I am going to read some statements to find out your feelings about how people use borrowing to, please tell me whether you agree or disagree that: People in your community borrow money to manage their lives
1 = Agree
2 = disagree
99 = DNK

i2a:I am going to read some statements to you. For each of these statements please tell me whether you agree or disagree :You go without certain things to be able to save
1 = Agree
2 = disagree
99 = Not sure N/A

I2b. Selon vous, quel est le temps le plus court pour vous de mettre votre argen
1 = Day
2 = Week
3 = Month
4 = Year
5 = More than one year
98 = DNK

I3:How are you planning to pay for spending needs in old age?
1 = Use my Savings
2 = Rely on money from family and friends
3 = Rely on community
4 = Sell something to cover the costs
5 = Borrow from money lender in the community
6 = Borrow money from savings group
7 = Live with my retirement Pension
8 = Allowances from the Social Assistance Fund
96 = Other(specify)
98 = DNK

I6:In total, how much money do you have saved up or invested? Please include savings from all the activities that you have just mentioned:Code
1 = Actual amount stated
2 = Refusal
98 = DNK

J1b:Which bank do you have this product from?:Cheque or current account?
1 = Unibank
2 = Sogebank
3 = Banque nationale de crÃ©dit (BNC)
4 = Capital Bank
5 = BUH
6 = Citibank
7 = Banque populaire haÃ¯tienne
8 = Sogebel

J1c:Could you tell me the frequency of product use?:Cheque or current account?
1 = Jour
2 = Semaine
3 = Mois
4 = Trimestre
5 = Semestre
6 = AnnÃ©e

J1d:How long have you used this product for? :Cheque or current account?
1 = 0 Ã 1 an
2 = Plus dâ€™un an Ã 3 ans
3 = Plus de 3 ans

J3c.Why do you use someone else financial accounts?
1 = I am illiterate
2 = I did not know how to open an account by myself
3 = I do not have time
4 = I do not trust financial institutions
5 = The bank is too far away from where I live
6 = Bank charges are too high
7 = Absence of the account holder
96 = Other (specify)

j5c:Have you done these in the bank, the post office or automatic cash machine or other place?:Cash a cheque ?
1 = Bank,MFI,Credit Institution
2 = DAB/ATM
3 = Post office
96 = Other spcify

K3a:Please tell me which of the following MFI products you currently have, had in the past but not now, hor ave you never had?: Current/Cheque account ?
1 = Have
2 = Used to have
3 = Never had

2 = Mobile Money users
99 = No Mobile Money

1 = Bank + Other formal (non-bank) + Informal
2 = Bank + Other formal (non-bank)
3 = Bank + Informal
4 = Bank only
5 = Other formal (non-bank) + Informal
6 = Other formal (non-bank)
7 = Informal only
99 = Excluded

1 = Married/Living together
2 = Divorced/Separated
3 = Widowed
4 = Single/Never married
99 = Do not know

1 = No formal education
2 = Primary education
3 = Secondary education
4 = Vocation education
5 = Tertiary education
6 = Other

Financial Access Strand
1 = Banked
2 = Other_F
3 = Informal
99 = Excluded

1 = Saving at bank
2 = Saving at other formal (non bank)
3 = Saving informally
4 = Saving at home
99 = Not saving

1 = Credit from bank
2 = Credit from other formal (non bank)
3 = Credit from informal sources
4 = Credit from family and friends
99 = Not borrowing

1 = Remitting through bank
2 = Remitting through other formal (non bank)
3 = Remitting through informal channels
4 = Remitting through family and friends
99 = Not remitting

1 = Insured through bank
2 = Insured through other formal (non bank)
3 = Insured through informal channels
99 = Not insured

1 = 15-19 yrs
2 = 20-24 yrs
3 = 25-29 yrs
4 = 30-34 yrs
5 = 35-39 yrs
6 = 40-44 yrs
7 = 45-49 yrs
8 = 50-54 yrs
9 = 55-59 yrs
10 = 60-64 yrs
11 = 65-69 yrs
12 = 70-74 yrs
13 = 75-79 yrs
14 = 80+ yrs

1 = <18
2 = 18-24
3 = 25-34
4 = 35-44
5 = 45-60
6 = 60<

1 = Youth (14-34 yrs)
2 = Seniors (35 and older)

1 = Farming and Fishing
2 = Self-employed
3 = Formally employed Government
4 = Formally employed Private
5 = Informally employed
6 = Remittance Dependent
7 = Government Dependent
8 = Other Income
9 = No Income
99 = Don’t Know

0 = Not farmer
1 = Farmer

Those_18_and_older=1 (FILTER)
0 = Not Selected
1 = Selected

2 = MFI users
99 = Non-MFI users