----------------------------------------------------------------------------------------------------------------------------------------------------------------------
      name:  <unnamed>
       log:  C:\Users\wb658068\Downloads\Reproducibility_checks\660\OneDrive_2026-05-18\reproducibility package\results\log_data_prep_18 May 2026.txt
  log type:  text
 opened on:  18 May 2026, 19:13:38

. 
. /*      If not running from main.do                     
>         if c(username)=="wb526258" {
>                         global path "C:\Users\wb526258\OneDrive - WBG\Sheirin Iravantchi's files - survey work\reproducibility package\"
>                         }*/
. 
.         global data "${path}\data-raw" 

.         global data_analysis "${path}\data-analysis"

.         global results "${path}\results"

.         global code     "${path}/code"

.         
.         
.         * Read the data
.         import excel using "$data\Responses-Alchemer_Cleaned.xlsx", sheet("Raw_Data") firstrow clear
(303 vars, 45 obs)

. 
. *------------------------------------------------------------------------------*/
. * Step 2: Cleaning + prep ------------------------------------------    
. 
. **Identifying/encoding segmentation variables
.         **Checking country variables, we shouldn't have this many US
.         list ResponseID Country NameoftheOrganization CountryJurisdiction if Country == "United States"

     +-----------------------------------------------------------------------------------------------------+
     | Respon~D         Country                                    NameoftheOrganization   CountryJurisd~n |
     |-----------------------------------------------------------------------------------------------------|
  3. |       12   United States                                          Banco Pichincha           Ecuador |
  4. |       14   United States                                                     Yabx             India |
  6. |       16   United States                                          BAC El Salvador       El Salvador |
 13. |       24   United States                                                 Fundfina        India & UK |
 14. |       25   United States                              Finca International Finance     United States |
     |-----------------------------------------------------------------------------------------------------|
 17. |       28   United States                               Banco de Credito del PerÃº             PerÃº |
 18. |       29   United States                                                Finaktiva          Colombia |
 19. |      234   United States                                BAC Credomatic Costa Rica        Costa Rica |
 26. |      243   United States                                                  SICREDI            Brasil |
 29. |      249   United States   Sistema de Cooperativas de CrÃ©dito do Brasil (Sicoob)            Brazil |
     |-----------------------------------------------------------------------------------------------------|
 38. |      261   United States                                        CJSC "FINCA Bank"   Kyrgyz Republic |
 41. |      265   United States                                          Access Bank PLC           Nigeria |
     +-----------------------------------------------------------------------------------------------------+

.         rename Country Country_survey //seems to indicate where the survey was filled

.         clonevar Country_st = Country_survey

.         replace Country_st = CountryJurisdiction if inlist(ResponseID, ///
>         10, 12, 14, 15, 16, 17, 18, 20, 29, 234, 237, 238, 241, 242, 249, ///
>         255, 256, 258, 260, 261, 263, 265, 267, 268 )
(24 real changes made)

.         replace Country_st ="India" if ResponseID == 24
(1 real change made)

.         replace Country_st ="Peru" if ResponseID == 28
(1 real change made)

.         replace Country_st ="Brazil" if ResponseID == 243
(1 real change made)

.         replace Country_st ="Tanzania" if ResponseID == 256
(1 real change made)

. 
.         encode Country_st, g(Country) //country

.         fre Country

Country -- Country
------------------------------------------------------------------------
                           |      Freq.    Percent      Valid       Cum.
---------------------------+--------------------------------------------
Valid   1  Argentina       |          1       2.22       2.22       2.22
        2  Bangladesh      |          1       2.22       2.22       4.44
        3  Brazil          |          2       4.44       4.44       8.89
        4  Cambodia        |          2       4.44       4.44      13.33
        5  Colombia        |          2       4.44       4.44      17.78
        6  Costa Rica      |          1       2.22       2.22      20.00
        7  Ecuador         |          1       2.22       2.22      22.22
        8  Egypt           |          1       2.22       2.22      24.44
        9  El Salvador     |          2       4.44       4.44      28.89
        10 Ethiopia        |          1       2.22       2.22      31.11
        11 Ghana           |          1       2.22       2.22      33.33
        12 Honduras        |          1       2.22       2.22      35.56
        13 India           |          3       6.67       6.67      42.22
        14 Kazakhstan      |          1       2.22       2.22      44.44
        15 Kenya           |          3       6.67       6.67      51.11
        16 Kyrgyz Republic |          1       2.22       2.22      53.33
        17 Mexico          |          1       2.22       2.22      55.56
        18 Moldova         |          1       2.22       2.22      57.78
        19 Nepal           |          3       6.67       6.67      64.44
        20 Nigeria         |          4       8.89       8.89      73.33
        21 Peru            |          1       2.22       2.22      75.56
        22 Philippines     |          2       4.44       4.44      80.00
        23 Singapore       |          1       2.22       2.22      82.22
        24 Tanzania        |          3       6.67       6.67      88.89
        25 Turkey          |          1       2.22       2.22      91.11
        26 Uganda          |          1       2.22       2.22      93.33
        27 United States   |          1       2.22       2.22      95.56
        28 Uzbekistan      |          1       2.22       2.22      97.78
        29 Zambia          |          1       2.22       2.22     100.00
        Total              |         45     100.00     100.00           
------------------------------------------------------------------------

. 
.         *Q1- What best describes your organization?
.         encode Whatbestdescribesyourorganiz, g(Orgtype)

.         list ResponseID OtherWriteInWhatbestdescr if Orgtype == 6

     +-----------------------------------------+
     | Respon~D      OtherWriteInWhatbestdescr |
     |-----------------------------------------|
  4. |       14        Digital Lending Fintech |
  8. |       18   Financial Technology Company |
 14. |       25                                |
 16. |       27       Non-deposit taking NBFC  |
 18. |       29                        Fintech |
     |-----------------------------------------|
 24. |      241        Fintech product company |
 26. |      243               Cooperative Bank |
 28. |      247                   Credit Union |
 29. |      249                   Credit Union |
 30. |      250                  Credit Unions |
     |-----------------------------------------|
 31. |      251                   Credit Union |
 36. |      258              Microfinance bank |
     +-----------------------------------------+

.         replace Orgtype = 3 if ResponseID == 243 | ResponseID == 247 | ResponseID == 249 ///
>         |ResponseID == 250 | ResponseID == 251
(5 real changes made)

.         replace Orgtype = 4 if ResponseID == 258
(1 real change made)

.         replace Orgtype = 5 if ResponseID == 27
(1 real change made)

. 
.         replace Orgtype = 4 if ResponseID == 25 //this is Finca US---> MFB
(1 real change made)

.         label de Orgtype 6 "Fintech", modify

.         fre Orgtype //Type of Institution

Orgtype -- What best describes your organization?
---------------------------------------------------------------------------------------------
                                                |      Freq.    Percent      Valid       Cum.
------------------------------------------------+--------------------------------------------
Valid   1 Commercial Bank - Privately Owned     |         22      48.89      48.89      48.89
        2 Commercial Bank - State Owned         |          1       2.22       2.22      51.11
        3 Financial Cooperatives/ Credit Unions |          7      15.56      15.56      66.67
        4 Microfinance Provider                 |          6      13.33      13.33      80.00
        5 Non-Bank Credit Provider              |          5      11.11      11.11      91.11
        6 Fintech                               |          4       8.89       8.89     100.00
        Total                                   |         45     100.00     100.00           
---------------------------------------------------------------------------------------------

.         
.         clonevar Orgtype2 = Orgtype

.         replace Orgtype2 = 1 if Orgtype == 2 //keep only Comm bank
(1 real change made)

.         replace Orgtype2 = 4 if Orgtype == 5 //merge MFB/NBCP
(5 real changes made)

.         label def OrgType_collapsed 1 "Commercial Bank" ///
>            3 "Fin.Coop/ Credit Union" /// 
>            4 "MicroFin/Non-Bank Credit" ///
>            6 "Fintech"

.         label val Orgtype2 OrgType_collapsed

.         fre Orgtype2

Orgtype2 -- What best describes your organization?
--------------------------------------------------------------------------------
                                   |      Freq.    Percent      Valid       Cum.
-----------------------------------+--------------------------------------------
Valid   1 Commercial Bank          |         23      51.11      51.11      51.11
        3 Fin.Coop/ Credit Union   |          7      15.56      15.56      66.67
        4 MicroFin/Non-Bank Credit |         11      24.44      24.44      91.11
        6 Fintech                  |          4       8.89       8.89     100.00
        Total                      |         45     100.00     100.00           
--------------------------------------------------------------------------------

.                 
.         *We want to have a type of country variable and Region
.         label de Ccat 1 "High income" 2 "Upper middle income" 3 "Lower middle income" 4 "Low income"

.         gen Income_group = 1 if inlist(Country_st, ///
>      "Singapore")  ///"United States") **US needs to change as they are regional obs.
> 
(44 missing values generated)

.         replace Income_group = 2 if inlist(Country_st, ///* Upper middle income
>                 "Argentina", ///
>                 "Brazil", ///
>                 "Colombia", ///
>                 "Costa Rica", ///
>                 "Ecuador", ///
>                 "Kazakhstan", ///
>                 "Mexico", ///
>                 "Peru", ///
>                 "Turkey")
(11 real changes made)

. 
.         replace Income_group = 3 if inlist(Country_st, ///* Lower middle income
>                 "Bangladesh", ///
>                 "Cambodia", ///
>                 "Egypt", "Egypt, Arab Rep.", ///
>                 "El Salvador", ///
>                 "Ghana", ///
>                 "Honduras", ///
>                 "India", ///
>                 "Kenya")
(14 real changes made)

.         replace Income_group = 3 if inlist(Country_st, ///
>                 "Kyrgyz Republic", ///
>                 "Moldova", "Nepal", ///
>                 "Nigeria", ///
>                 "Philippines", ///
>                 "Tanzania",  ///
>                 "Uzbekistan", ///
>                 "Zambia")
(16 real changes made)

. 
.         replace Income_group = 4 if inlist(Country_st, ///* Low income
>                 "Ethiopia", ///
>                 "Uganda")
(2 real changes made)

.                 label values Income_group Ccat

.                 tab Country Income_group

                |                Income_group
        Country | High inco  Upper mid  Lower mid  Low incom |     Total
----------------+--------------------------------------------+----------
      Argentina |         0          1          0          0 |         1 
     Bangladesh |         0          0          1          0 |         1 
         Brazil |         0          2          0          0 |         2 
       Cambodia |         0          0          2          0 |         2 
       Colombia |         0          2          0          0 |         2 
     Costa Rica |         0          1          0          0 |         1 
        Ecuador |         0          1          0          0 |         1 
          Egypt |         0          0          1          0 |         1 
    El Salvador |         0          0          2          0 |         2 
       Ethiopia |         0          0          0          1 |         1 
          Ghana |         0          0          1          0 |         1 
       Honduras |         0          0          1          0 |         1 
          India |         0          0          3          0 |         3 
     Kazakhstan |         0          1          0          0 |         1 
          Kenya |         0          0          3          0 |         3 
Kyrgyz Republic |         0          0          1          0 |         1 
         Mexico |         0          1          0          0 |         1 
        Moldova |         0          0          1          0 |         1 
          Nepal |         0          0          3          0 |         3 
        Nigeria |         0          0          4          0 |         4 
           Peru |         0          1          0          0 |         1 
    Philippines |         0          0          2          0 |         2 
      Singapore |         1          0          0          0 |         1 
       Tanzania |         0          0          3          0 |         3 
         Turkey |         0          1          0          0 |         1 
         Uganda |         0          0          0          1 |         1 
     Uzbekistan |         0          0          1          0 |         1 
         Zambia |         0          0          1          0 |         1 
----------------+--------------------------------------------+----------
          Total |         1         11         30          2 |        44 

.         
. gen Region = "EAP" if inlist(Country_st, ///East Asia & Pacific (EAP)
>     "Cambodia", ///
>     "Philippines", ///
>     "Singapore")
(40 missing values generated)

. 
.         replace Region = "ECA" if inlist(Country_st, ///* Europe &Central Asia (ECA)
>            "Kazakhstan", ///
>                 "Kyrgyz Republic", "Kyrgyzstan", ///
>                 "Moldova", ///
>                 "Turkey", "Türkiye", ///
>                 "Uzbekistan")
(5 real changes made)

. 
.         replace Region = "LAC" if inlist(Country_st, ///Latin America &the Caribbean
>                 "Argentina", ///
>                 "Brazil", ///
>                 "Colombia", ///
>                 "Costa Rica", ///
>                 "Ecuador", ///
>                 "El Salvador", ///
>                 "Honduras", ///
>                 "Mexico", ///
>                 "Peru")
(12 real changes made)

.         replace Region = "MENA" if inlist(Country_st, ///Middle East & North Africa 
>                 "Egypt", "Egypt, Arab Rep.", ///
>                 "United Arab Emirates")
variable Region was str3 now str4
(1 real change made)

.                 /// Double check that we have the right one (MENAP)
> 
.         replace Region = "SAR" if inlist(Country_st, ///South Asia (SAR)
>                 "Bangladesh", ///
>                 "India", ///
>                 "Nepal")
(7 real changes made)

. 
.         replace Region = "SSA" if inlist(Country_st, ///Sub-Saharan Africa (SSA)
>     "Ethiopia", ///
>     "Ghana", ///
>     "Kenya", ///
>     "Nigeria", ///
>     "Tanzania",  ///
>     "Uganda", ///
>         "Zambia")
(14 real changes made)

. 
. *       replace Region = "NAC" if Country_st == "United States"
.         *******************
.         ****FINCA FOOTNOTE: we contacted respondend and decided to have 2
.         ********************answers (1 x region) since US is not really part of the operational portfolio
.         expand 2 if ResponseID == 25
(1 observation created)

.         replace ResponseID = 30 if ResponseID == 25 & _n == _N
(1 real change made)

.         *Wont change country but region.
.         replace Region = "ECA" if ResponseID == 25 ///EUROASIA PORTF
>         
(1 real change made)

.         replace Region = "SSA" if ResponseID == 30 ///AFRICA PORTF
>         
(1 real change made)

.         replace OtherWriteInForwhatpurpos = "Other - Write In" if ResponseID == 25
(1 real change made)

.         replace DN = "supports FINCA's mission to expand responsible financial inclusion and ensure equitable access to financial services for both women and men" i
> f ResponseID == 25
variable DN was str56 now str139
(1 real change made)

.         replace UseoffundsWhichofthefollo = "Use of funds"  if ResponseID == 25
(1 real change made)

.                 replace Doyouusealternativedatainy = "yes, in addition to internal data, plan to incorporate macro indicators " if ResponseID == 25 ///full ans= Yes
> , in addition to internal data, we plan to incorporate alternative data into our credit scoring practices, particularly publicly available macroeconomic indicators 
> such as inflation, GDP growth, exchange rate movements, interest rates, and unemployment trends. These variables help capture broader economic conditions and enhanc
> e the predictive performance of the scoring models.
> 
variable Doyouusealternativedatainy was str3 now str72
(1 real change made)

.                 replace Alternativefinancialdataeg = "Alternative fin data" if ResponseID == 25 /// full ans=Yes. In some subsidiaries, we use alternative financial
>  data from digital wallets, other fintech platforms and their scoring tools, where available and permitted by local regulations, to complement internal data in cred
> it assessments.
> 
(1 real change made)

.                 replace JN = "Alternative fin data" if ResponseID == 25 ///full ans=Yes. In some subsidiaries, loans are disbursed based on credit assessments gener
> ated by external platforms that use alternative financial data (e.g., digital wallets and other non-traditional financial services). These assessments complement ou
> r internal credit evaluation.
>         
(1 real change made)

. ********************
.         encode Region, gen(Region_cat)

.         label define region_lbl 1 "EAP" 2 "ECA" 3 "LAC" 4 "MENA" 5 "SAR" 6 "SSA" 

.         label values Region_cat region_lbl

.         fre Region_cat

Region_cat
------------------------------------------------------------
               |      Freq.    Percent      Valid       Cum.
---------------+--------------------------------------------
Valid   1 EAP  |          5      10.87      10.87      10.87
        2 ECA  |          6      13.04      13.04      23.91
        3 LAC  |         12      26.09      26.09      50.00
        4 MENA |          1       2.17       2.17      52.17
        5 SAR  |          7      15.22      15.22      67.39
        6 SSA  |         15      32.61      32.61     100.00
        Total  |         46     100.00     100.00           
------------------------------------------------------------

. 
.         ********************
.         *Q2 is an open question. Standarizing below
.         gen Q2_cat=""
(46 missing values generated)

.         do "${code}/1_SMEdefinitions.do"

. replace Q2_cat = "employees" if ResponseID == 11
variable Q2_cat was str1 now str9
(1 real change made)

. replace Q2_cat = "Sales" if ResponseID == 12
(1 real change made)

. replace Q2_cat = "Sales" if ResponseID == 14
(1 real change made)

. replace Q2_cat = "Sales" if ResponseID == 15
(1 real change made)

. replace Q2_cat = "multiple" if ResponseID == 16
(1 real change made)

. replace Q2_cat = "Sales" if ResponseID == 17
(1 real change made)

. replace Q2_cat = "employees" if ResponseID == 18
(1 real change made)

. replace Q2_cat = "employees" if ResponseID == 19
(1 real change made)

. replace Q2_cat = "revenue" if ResponseID == 20
(1 real change made)

. replace Q2_cat = "not clear" if ResponseID == 22
(1 real change made)

. replace Q2_cat = "not clear" if ResponseID == 23
(1 real change made)

. replace Q2_cat = "micro" if ResponseID == 25
(1 real change made)

. replace Q2_cat = "not clear" if ResponseID == 26
(1 real change made)

. replace Q2_cat = "Sales" if ResponseID == 28
(1 real change made)

. replace Q2_cat = "multiple" if ResponseID == 29
(1 real change made)

. replace Q2_cat = "multiple" if ResponseID == 234
(1 real change made)

. replace Q2_cat = "multiple" if ResponseID == 237
(1 real change made)

. replace Q2_cat = "multiple" if ResponseID == 238
(1 real change made)

. replace Q2_cat = "micro" if ResponseID == 239
(1 real change made)

. replace Q2_cat = "Micro/small" if ResponseID == 240
variable Q2_cat was str9 now str11
(1 real change made)

. replace Q2_cat = "gov/legal" if ResponseID == 242
(1 real change made)

. replace Q2_cat = "not clear" if ResponseID == 243
(1 real change made)

. replace Q2_cat = "not clear" if ResponseID == 246
(1 real change made)

. replace Q2_cat = "loan size" if ResponseID == 247
(1 real change made)

. replace Q2_cat = "none" if ResponseID == 249
(1 real change made)

. replace Q2_cat = "loan size" if ResponseID == 250
(1 real change made)

. replace Q2_cat = "sales" if ResponseID == 255
(1 real change made)

. replace Q2_cat = "loan size" if ResponseID == 256
(1 real change made)

. replace Q2_cat = "loan size" if ResponseID == 258
(1 real change made)

. replace Q2_cat = "multiple" if ResponseID == 260
(1 real change made)

. replace Q2_cat = "multiple" if ResponseID == 261
(1 real change made)

. replace Q2_cat = "same" if ResponseID == 263
(1 real change made)

. replace Q2_cat = "multiple" if ResponseID == 265
(1 real change made)

. replace Q2_cat = "female" if ResponseID == 266
(1 real change made)

. replace Q2_cat = "sales" if ResponseID == 267
(1 real change made)

. replace Q2_cat = "" if ResponseID == 268
(0 real changes made)

. replace Q2_cat = "sales" if ResponseID == 271
(1 real change made)

. 
end of do-file

.         rename Q2_cat Q2_catstr

.         encode Q2_catstr, g(Q2_cat)

.         fre Q2_cat

Q2_cat
--------------------------------------------------------------------
                       |      Freq.    Percent      Valid       Cum.
-----------------------+--------------------------------------------
Valid   1  Micro/small |          1       2.17       2.78       2.78
        2  Sales       |          5      10.87      13.89      16.67
        3  employees   |          3       6.52       8.33      25.00
        4  female      |          1       2.17       2.78      27.78
        5  gov/legal   |          1       2.17       2.78      30.56
        6  loan size   |          4       8.70      11.11      41.67
        7  micro       |          2       4.35       5.56      47.22
        8  multiple    |          8      17.39      22.22      69.44
        9  none        |          1       2.17       2.78      72.22
        10 not clear   |          5      10.87      13.89      86.11
        11 revenue     |          1       2.17       2.78      88.89
        12 sales       |          3       6.52       8.33      97.22
        13 same        |          1       2.17       2.78     100.00
        Total          |         36      78.26     100.00           
Missing .              |         10      21.74                      
Total                  |         46     100.00                      
--------------------------------------------------------------------

.         
.         gen Q2_cat2 = "other"

.         replace Q2_cat2 = "same" if  Q2_cat == .  | Q2_cat == 13
(11 real changes made)

.         replace Q2_cat2 = "narrower" if Q2_cat <=4 | Q2_cat == 6 | Q2_cat == 7 | Q2_cat == 11| Q2_cat == 12
variable Q2_cat2 was str5 now str8
(20 real changes made)

.         tab Q2_cat Q2_cat2, m

            |             Q2_cat2
     Q2_cat |  narrower      other       same |     Total
------------+---------------------------------+----------
Micro/small |         1          0          0 |         1 
      Sales |         5          0          0 |         5 
  employees |         3          0          0 |         3 
     female |         1          0          0 |         1 
  gov/legal |         0          1          0 |         1 
  loan size |         4          0          0 |         4 
      micro |         2          0          0 |         2 
   multiple |         0          8          0 |         8 
       none |         0          1          0 |         1 
  not clear |         0          5          0 |         5 
    revenue |         1          0          0 |         1 
      sales |         3          0          0 |         3 
       same |         0          0          1 |         1 
          . |         0          0         10 |        10 
------------+---------------------------------+----------
      Total |        20         15         11 |        46 

.         
. ****************************************************************************
. **** Changing labels/names to match with survey
.         ///Creating dummy variables to get means easily
>         
.         gen Q3WSMECreditscore = (regexm(Doesyourinstitutionuseadiff,"Yes") | regexm(Doesyourinstitutionuseadiff,"yes"))

.         replace Q3WSMECreditscore= 1 if regexm(Doesyourinstitutionuseadiff,"Si")
(1 real change made)

.         
.         local maxbase = 20

.         rename AK Q4_Otherspcf

.         foreach var of varlist MajorityfemaleownershipWhatc-NotapplicableWhatcriteriado {
  2.                 local short = "`=substr("`var'",1,`maxbase')'"
  3.                 local newname = "Q4_`short'"
  4.                 capture rename `var' `newname'
  5.         }

.         egen temp= rownonmiss(Q4_*), s

.         foreach var of varlist Q4_* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(37 real changes made)
(9 real changes made)
Q4_Majorityfemaleowners: all characters numeric; replaced as byte
(21 real changes made)
(25 real changes made)
Q4_Majorityfemaleleader: all characters numeric; replaced as byte
(16 real changes made)
(30 real changes made)
Q4_Certificationaswomen: all characters numeric; replaced as byte
(14 real changes made)
(32 real changes made)
Q4_Designationbyregulat: all characters numeric; replaced as byte
(7 real changes made)
(39 real changes made)
Q4_AlloftheaboveWhatcri: all characters numeric; replaced as byte
(18 real changes made)
(28 real changes made)
Q4_OtherWriteInWhatcrit: all characters numeric; replaced as byte
(3 real changes made)
(43 real changes made)
Q4_NotapplicableWhatcri: all characters numeric; replaced as byte
(15 real changes made)
(31 real changes made)
Q4_Otherspcf: all characters numeric; replaced as byte

.         drop temp

. 
.         gen Q6Legalreq =(Isyourorganizationsubjectto == "Yes") if !missing(Isyourorganizationsubjectto)
(1 missing value generated)

.         gen Q7Otherinterv =(Isyourorganizationsubjectedt == "Yes") if !missing(Isyourorganizationsubjectedt)
(8 missing values generated)

.         
.         rename SizeoftheSMEIfyouhaveresp Q6_Size

.         rename GenderoftheownerleadershipI Q6_Gender

.         rename GeographiclocationIfyouhave Q6_Geolocation

.         rename SectorofbusinessIfyouhaver Q6_Sectorbiz

.         rename AppliestoallSMEswithoutspec Q6_Appliesall

.         rename OtherWriteInIfyouhaveres Q6_Otherspcf

.         **- other not relevant
.         foreach var of varlist Q6_Size- Q6_Other {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & Q6Legalreq == 1
  4.                 destring `var', replace
  5.         }
(5 real changes made)
(6 real changes made)
Q6_Size: all characters numeric; replaced as byte
(35 missing values generated)
(5 real changes made)
(5 real changes made)
Q6_Gender: all characters numeric; replaced as byte
(36 missing values generated)
(2 real changes made)
(8 real changes made)
Q6_Geolocation: all characters numeric; replaced as byte
(36 missing values generated)
(4 real changes made)
(6 real changes made)
Q6_Sectorbiz: all characters numeric; replaced as byte
(36 missing values generated)
(5 real changes made)
(5 real changes made)
Q6_Appliesall: all characters numeric; replaced as byte
(36 missing values generated)
(5 real changes made)
(9 real changes made)
Q6_Otherspcf: all characters numeric; replaced as byte
(32 missing values generated)

.         
.         *Q9
.         rename BE Q9_RegulatoryhdlesWriteIn

.         rename BF Q9_LegalhurdlesWriteIn

.         rename BG Q9_Otherspcf

.         foreach var of varlist LimitedcollateralWhichofthe- NoneoftheaboveWhichofthef {
  2.                 local short = "`=substr("`var'",1,`maxbase')'"
  3.                 local newname = "Q9_`short'"
  4.                 capture rename `var' `newname'
  5.         }

.         egen temp= rownonmiss(Q9_*), s

. *       replace Q9_NoneoftheaboveWhicho = "1" if temp == 0
.         foreach var of varlist Q9_* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(29 real changes made)
(12 real changes made)
Q9_LimitedcollateralWhi: all characters numeric; replaced as byte
(5 missing values generated)
(26 real changes made)
(15 real changes made)
Q9_LimitedfirmdataWhich: all characters numeric; replaced as byte
(5 missing values generated)
(26 real changes made)
(15 real changes made)
Q9_Limitedorfragmentedc: all characters numeric; replaced as byte
(5 missing values generated)
(30 real changes made)
(11 real changes made)
Q9_Lackoffinancialliter: all characters numeric; replaced as byte
(5 missing values generated)
(21 real changes made)
(20 real changes made)
Q9_Lackofunderstandingo: all characters numeric; replaced as byte
(5 missing values generated)
(6 real changes made)
(35 real changes made)
Q9_RegulatoryhurdlesWri: all characters numeric; replaced as byte
(5 missing values generated)
(3 real changes made)
(38 real changes made)
Q9_LegalhurdlesWriteInW: all characters numeric; replaced as byte
(5 missing values generated)
(6 real changes made)
(35 real changes made)
Q9_OtherWriteInWhichoft: all characters numeric; replaced as byte
(5 missing values generated)
(1 real change made)
(40 real changes made)
Q9_NoneoftheaboveWhicho: all characters numeric; replaced as byte
(5 missing values generated)
(6 real changes made)
(35 real changes made)
Q9_RegulatoryhdlesWriteIn: all characters numeric; replaced as byte
(5 missing values generated)
(3 real changes made)
(38 real changes made)
Q9_LegalhurdlesWriteIn: all characters numeric; replaced as byte
(5 missing values generated)
(6 real changes made)
(35 real changes made)
Q9_Otherspcf: all characters numeric; replaced as byte
(5 missing values generated)

.         drop temp       

.         
.         rename Developingspecializedfinancial Q10_Developingspecializedfinan

.         rename Investigatingtheuseofalterna Q10_Investigatingtheuseofalt

.         rename Implementingfinancialliteracy Q10_Implementingfinanciallit

.         rename Exploringpartnershipswithfint Q10_Exploringpartnerships

.         replace Ourorganizationdoesnothavea= "1" if CA == "Our organization does not have any policy focused on women's SMEs at this time."
(1 real change made)

.         rename Ourorganizationdoesnothavea Q10_None

.         foreach var of varlist Q10* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" 
  4.                 destring `var', replace
  5.         }
(35 real changes made)
(11 real changes made)
Q10_Developingspecializedfinan: all characters numeric; replaced as byte
(20 real changes made)
(26 real changes made)
Q10_Investigatingtheuseofalt: all characters numeric; replaced as byte
(31 real changes made)
(15 real changes made)
Q10_Implementingfinanciallit: all characters numeric; replaced as byte
(13 real changes made)
(33 real changes made)
Q10_Exploringpartnerships: all characters numeric; replaced as byte
(6 real changes made)
(39 real changes made)
Q10_None: all characters numeric; replaced as byte

.                 foreach var of varlist Q10* {
  2.                 replace `var'= . if Q10_None ==1
  3.                 }
(7 real changes made, 7 to missing)
(7 real changes made, 7 to missing)
(7 real changes made, 7 to missing)
(7 real changes made, 7 to missing)
(7 real changes made, 7 to missing)

.         
.         rename SavingsaccountsIfyourorganiz Q11_Savingsaccounts

.         rename CreditcardsIfyourorganizatio  Q11_Creditcards

.         rename HomeloansmortgagesIfyourorg  Q11_Homeloansmortgages

.         rename PersonalloansIfyourorganizat  Q11_Personalloans

.         rename BusinessloansIfyourorganizat  Q11_Businessloans

.         rename LinesofcreditIfyourorganiza  Q11_Linesofcredit

.         rename NoneoftheaboveIfyourorgani Q11_Noneoftheabove

.         rename OtherWriteInIfyourorganiz Q11_Otherspcf

.         foreach var of varlist Q11_S-Q11_Linesofcredit {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" 
  4.                 destring `var', replace
  5.         }
(14 real changes made)
(32 real changes made)
Q11_Savingsaccounts: all characters numeric; replaced as byte
(9 real changes made)
(37 real changes made)
Q11_Creditcards: all characters numeric; replaced as byte
(7 real changes made)
(39 real changes made)
Q11_Homeloansmortgages: all characters numeric; replaced as byte
(17 real changes made)
(29 real changes made)
Q11_Personalloans: all characters numeric; replaced as byte
(30 real changes made)
(16 real changes made)
Q11_Businessloans: all characters numeric; replaced as byte
(12 real changes made)
(34 real changes made)
Q11_Linesofcredit: all characters numeric; replaced as byte

.         egen temp=rowtotal(Q11_S-Q11_Linesofcredit)

.         foreach var of varlist Q11_S-Q11_Linesofcredit {
  2.                 replace `var'= . if temp == 0
  3.         }
(12 real changes made, 12 to missing)
(12 real changes made, 12 to missing)
(12 real changes made, 12 to missing)
(12 real changes made, 12 to missing)
(12 real changes made, 12 to missing)
(12 real changes made, 12 to missing)

.         drop temp

.         
.         *12.Which of the following options best represents the percentage of female staff involved in the lending decisioning process within your organization? 
.         rename Whichofthefollowingoptionsb Q12_Perctgefemalestaff

.         **Grouping high percentage
.                 encode Q12, g(Q12v2)

.                 replace Q12v2 = 3 if Q12_Perctgefemalestaff == "76-100%"
(4 real changes made)

.                 label de Q12v2 3 "51-100%", modify

. 
.         rename Howdoesyourorganizationappro Q13_Loanmangnt

. 
.         foreach var of varlist Regulatoryauthoritiesorgovern-NotapplicableIhavenoinforma {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q15_`short'"
  4.     capture rename `var' `newname'
  5.         }

.         foreach var of varlist Q15* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" 
  4.                 destring `var', replace
  5.         }
(16 real changes made)
(30 real changes made)
Q15_Regulatoryauthoritie: all characters numeric; replaced as byte
(26 real changes made)
(20 real changes made)
Q15_Fundingpartnersorinv: all characters numeric; replaced as byte
(4 real changes made)
(42 real changes made)
Q15_Industryassociations: all characters numeric; replaced as byte
(28 real changes made)
(18 real changes made)
Q15_Internalstakeholders: all characters numeric; replaced as byte
(11 real changes made)
(35 real changes made)
Q15_NotapplicableIhaveno: all characters numeric; replaced as byte

.         foreach var of varlist Allfinancialproductsandservi-Investmentandwealthmanagement {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q16_`short'"
  4.     capture rename `var' `newname'
  5.         }

.         rename OtherWriteInIfyouarerequ Q16_Otherspecify

.         foreach var of varlist Q16* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" 
  4.                 destring `var', replace
  5.         }
(23 real changes made)
(23 real changes made)
Q16_Allfinancialproducts: all characters numeric; replaced as byte
(21 real changes made)
(25 real changes made)
Q16_Specificloanproducts: all characters numeric; replaced as byte
(8 real changes made)
(38 real changes made)
Q16_Savingsortransaction: all characters numeric; replaced as byte
(4 real changes made)
(42 real changes made)
Q16_Investmentandwealthm: all characters numeric; replaced as byte
(5 real changes made)
(41 real changes made)
Q16_Otherspecify: all characters numeric; replaced as byte

.         
.         rename Tailoringproductsandservices Q18_Tailoringproductsandservices

.         rename Analyzingandaddressinggender Q18_Analyzingandaddressinggender

.         rename Monitoringandimprovingdiversi Q18_Monitoringandimprovdivers

.         rename Meetingregulatoryrequirements Q18_Meetingregulatoryreq

.         rename Improvingtheefficiencyofdist Q18_Improvingtheefficiency

.         rename OtherWriteInForwhatpurpos Q18_Otherspcify

.         egen temp= rownonmiss(Q18*), s

.         foreach var of varlist Q18* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(28 real changes made)
(4 real changes made)
Q18_Tailoringproductsandservices: all characters numeric; replaced as byte
(14 missing values generated)
(25 real changes made)
(7 real changes made)
Q18_Analyzingandaddressinggender: all characters numeric; replaced as byte
(14 missing values generated)
(20 real changes made)
(12 real changes made)
Q18_Monitoringandimprovdivers: all characters numeric; replaced as byte
(14 missing values generated)
(12 real changes made)
(20 real changes made)
Q18_Meetingregulatoryreq: all characters numeric; replaced as byte
(14 missing values generated)
(16 real changes made)
(16 real changes made)
Q18_Improvingtheefficiency: all characters numeric; replaced as byte
(14 missing values generated)
(3 real changes made)
(29 real changes made)
Q18_Otherspcify: all characters numeric; replaced as byte
(14 missing values generated)

.         drop temp

. 
.         foreach var of varlist Totalnumberofcheckingaccount- WedontcollectsuchdataForb {
  2.                 local short = "`=substr("`var'",1,`maxbase')'"
  3.                 local newname = "Q19_`short'"
  4.                 capture rename `var' `newname'
  5.         }

.         foreach var of varlist Q19* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" 
  4.                 destring `var', replace
  5.         }
(20 real changes made)
(26 real changes made)
Q19_Totalnumberofcheckin: all characters numeric; replaced as byte
(19 real changes made)
(27 real changes made)
Q19_Totalnumberofsavinga: all characters numeric; replaced as byte
(32 real changes made)
(14 real changes made)
Q19_Totalnumberofoutstan: all characters numeric; replaced as byte
(32 real changes made)
(14 real changes made)
Q19_Totalvalueofoutstand: all characters numeric; replaced as byte
(26 real changes made)
(20 real changes made)
Q19_Rateofontimerepaymen: all characters numeric; replaced as byte
(9 real changes made)
(37 real changes made)
Q19_Wedontcollectsuchdat: all characters numeric; replaced as byte

.         
.         fre Whatshareofyourbusinessborr DW

Whatshareofyourbusinessborr -- What share of your business borrowers are WSMEs by total volume of loans?Â Â 
--------------------------------------------------------------------------------
                                   |      Freq.    Percent      Valid       Cum.
-----------------------------------+--------------------------------------------
Valid   0-10%                      |          4       8.70       8.70       8.70
        11-25%                     |         12      26.09      26.09      34.78
        26-50%                     |         16      34.78      34.78      69.57
        51-75%                     |          5      10.87      10.87      80.43
        More than 75%              |          2       4.35       4.35      84.78
        We don't cater to WSMEs    |          3       6.52       6.52      91.30
        We don't collect such data |          4       8.70       8.70     100.00
        Total                      |         46     100.00     100.00           
--------------------------------------------------------------------------------

DW -- What share of your business borrowers are WSMEs by total value of loans?Â Â 
--------------------------------------------------------------------------------
                                   |      Freq.    Percent      Valid       Cum.
-----------------------------------+--------------------------------------------
Valid   0-10%                      |          3       6.52       6.52       6.52
        11-25%                     |         11      23.91      23.91      30.43
        26-50%                     |         18      39.13      39.13      69.57
        51-75%                     |          5      10.87      10.87      80.43
        More than 75%              |          2       4.35       4.35      84.78
        We don't cater to WSMEs    |          3       6.52       6.52      91.30
        We don't collect such data |          4       8.70       8.70     100.00
        Total                      |         46     100.00     100.00           
--------------------------------------------------------------------------------

.         rename Whatshareofyourbusinessborr Q20Shareloans_vol

.         rename DW Q21Shareloans_val

.         
.         rename Poorinconsistentdatacollectio Q23_Poorinconsistentdatacoll

.         rename PoordataqualityWhatchallenge Q23_Poordataquality

.         rename Doublecountingegitisofte Q23_Doublecounting

.         rename ConfidentialityrestrictionsWha Q23_Confidentialityrestrictions

.         rename Lackofaccesstogovernmentald Q23_Lackofaccesstogov

.         rename Lackofsystemstoauthenticate Q23_Lackofsystemstoauth

.         rename LackofrequisiteITanddatama Q23_LackofrequisiteIT

.         rename LackofstaffcapacityWhatchal Q23_Lackofstaffcapacity

.         rename OtherWriteInWhatchallenges Q23_Otherspcify

.         rename Privacyconcernsregardingsensi Q24_Privacyconcernsregardsensi

.         rename Difficultyinaccuratelyidentif Q24_Difficultyinaccuratelyident

.         rename Ensuringcompliancewithdatapr Q24_Ensuringcompliancedatapr

.         rename Lackofstandardizedframeworks Q24_Lackofstandardizedframwk

.         rename Technicallimitationsinprocess Q24_Technicallimitationsinprocs

.         rename EO Q24_Otherspcify

.         egen temp= rownonmiss(Q23*), s

.         foreach var of varlist Q23* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(20 real changes made)
(22 real changes made)
Q23_Poorinconsistentdatacoll: all characters numeric; replaced as byte
(4 missing values generated)
(23 real changes made)
(19 real changes made)
Q23_Poordataquality: all characters numeric; replaced as byte
(4 missing values generated)
(8 real changes made)
(34 real changes made)
Q23_Doublecounting: all characters numeric; replaced as byte
(4 missing values generated)
(8 real changes made)
(34 real changes made)
Q23_Confidentialityrestrictions: all characters numeric; replaced as byte
(4 missing values generated)
(19 real changes made)
(23 real changes made)
Q23_Lackofaccesstogov: all characters numeric; replaced as byte
(4 missing values generated)
(18 real changes made)
(24 real changes made)
Q23_Lackofsystemstoauth: all characters numeric; replaced as byte
(4 missing values generated)
(9 real changes made)
(33 real changes made)
Q23_LackofrequisiteIT: all characters numeric; replaced as byte
(4 missing values generated)
(3 real changes made)
(39 real changes made)
Q23_Lackofstaffcapacity: all characters numeric; replaced as byte
(4 missing values generated)
(5 real changes made)
(37 real changes made)
Q23_Otherspcify: all characters numeric; replaced as byte
(4 missing values generated)

.         drop temp

.         egen temp= rownonmiss(Q24*), s

.         foreach var of varlist Q24* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(11 real changes made)
(29 real changes made)
Q24_Privacyconcernsregardsensi: all characters numeric; replaced as byte
(6 missing values generated)
(19 real changes made)
(21 real changes made)
Q24_Difficultyinaccuratelyident: all characters numeric; replaced as byte
(6 missing values generated)
(7 real changes made)
(33 real changes made)
Q24_Ensuringcompliancedatapr: all characters numeric; replaced as byte
(6 missing values generated)
(20 real changes made)
(20 real changes made)
Q24_Lackofstandardizedframwk: all characters numeric; replaced as byte
(6 missing values generated)
(12 real changes made)
(28 real changes made)
Q24_Technicallimitationsinprocs: all characters numeric; replaced as byte
(6 missing values generated)
(8 real changes made)
(32 real changes made)
Q24_Otherspcify: all characters numeric; replaced as byte
(6 missing values generated)

.                 drop temp

.                 
.         gen Q33_UseAltdata = (Doyouusealternativedatainy == "Yes") if !missing(Doyouusealternativedatainy)
(1 missing value generated)

.         rename Concernsaboutthereliabilitya Q34_reliability

.         rename Lackofregulatoryguidanceorc Q34_Lackofreg

.         rename Limitedresourcesortechnicalc Q34_Limitedcapbilities

.         rename OtherWriteInIfyouarenot Q34_Otherspecify

.         egen temp= rownonmiss(Q34_*), s

.         foreach var of varlist Q34* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(11 real changes made)
(3 real changes made)
Q34_reliability: all characters numeric; replaced as byte
(32 missing values generated)
(8 real changes made)
(6 real changes made)
Q34_Lackofreg: all characters numeric; replaced as byte
(32 missing values generated)
(9 real changes made)
(5 real changes made)
Q34_Limitedcapbilities: all characters numeric; replaced as byte
(32 missing values generated)
(1 real change made)
(13 real changes made)
Q34_Otherspecify: all characters numeric; replaced as byte
(32 missing values generated)

.         drop temp

.         
.         **Double check Q10 vs Q33_UseAltdata
.         tab Q33_UseAltdata Q10_Investigatingtheuseofalt, co r nokey

           | Investigating the use
           |  of alternative data
           |      for credit
           |    assessments of
Q33_UseAlt |     WSMEs:Which 
      data |         0          1 |     Total
-----------+----------------------+----------
         0 |         9          4 |        13 
           |     69.23      30.77 |    100.00 
           |     50.00      20.00 |     34.21 
-----------+----------------------+----------
         1 |         9         16 |        25 
           |     36.00      64.00 |    100.00 
           |     50.00      80.00 |     65.79 
-----------+----------------------+----------
     Total |        18         20 |        38 
           |     47.37      52.63 |    100.00 
           |    100.00     100.00 |    100.00 

.         
. local maxbase = 20

. foreach var of varlist TelcodataIfusingalternative-OtherWriteInIfusingaltern {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q37_`short'"
  4.     capture rename `var' `newname'
  5. }

.         egen temp= rownonmiss(Q37_*), s

.         foreach var of varlist Q37* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(10 real changes made)
(21 real changes made)
Q37_TelcodataIfusingalte: all characters numeric; replaced as byte
(15 missing values generated)
(14 real changes made)
(17 real changes made)
Q37_Mortgageandrentpayme: all characters numeric; replaced as byte
(15 missing values generated)
(9 real changes made)
(22 real changes made)
Q37_RemittancesIfusingal: all characters numeric; replaced as byte
(15 missing values generated)
(23 real changes made)
(8 real changes made)
Q37_Bankaccountrecordsin: all characters numeric; replaced as byte
(15 missing values generated)
(9 real changes made)
(22 real changes made)
Q37_UtilitiesdataIfusing: all characters numeric; replaced as byte
(15 missing values generated)
(15 real changes made)
(16 real changes made)
Q37_PointofSalePOSdataIf: all characters numeric; replaced as byte
(15 missing values generated)
(11 real changes made)
(20 real changes made)
Q37_Mobileappusagefinanc: all characters numeric; replaced as byte
(15 missing values generated)
(11 real changes made)
(20 real changes made)
Q37_Alternativefinancial: all characters numeric; replaced as byte
(15 missing values generated)
(1 real change made)
(30 real changes made)
Q37_WeatherforecastIfusi: all characters numeric; replaced as byte
(15 missing values generated)
(1 real change made)
(30 real changes made)
Q37_Insurancepremiumpaym: all characters numeric; replaced as byte
(15 missing values generated)
(4 real changes made)
(27 real changes made)
Q37_SocialmediaactivityI: all characters numeric; replaced as byte
(15 missing values generated)
(4 real changes made)
(27 real changes made)
Q37_CorporatedataIfusing: all characters numeric; replaced as byte
(15 missing values generated)
(1 real change made)
(30 real changes made)
Q37_TraveldataIfusingalt: all characters numeric; replaced as byte
(15 missing values generated)
(2 real changes made)
(29 real changes made)
Q37_WebscrapingIfusingal: all characters numeric; replaced as byte
(15 missing values generated)
(1 real change made)
(30 real changes made)
Q37_SatellitedataIfusing: all characters numeric; replaced as byte
(15 missing values generated)
(6 real changes made)
(25 real changes made)
Q37_GeolocationIfusingal: all characters numeric; replaced as byte
(15 missing values generated)
(5 real changes made)
(26 real changes made)
Q37_Digitalfootprintegwe: all characters numeric; replaced as byte
(15 missing values generated)
(3 real changes made)
(28 real changes made)
Q37_BuyNowPayLaterBNPLre: all characters numeric; replaced as byte
(15 missing values generated)
(3 real changes made)
(28 real changes made)
Q37_Subscriptionservicep: all characters numeric; replaced as byte
(15 missing values generated)
(5 real changes made)
(26 real changes made)
Q37_Psychometricdatauseo: all characters numeric; replaced as byte
(15 missing values generated)
(1 real change made)
(30 real changes made)
Q37_CloudplatformsIfusin: all characters numeric; replaced as byte
(15 missing values generated)
(18 real changes made)
(13 real changes made)
Q37_TaxpaymentIfusingalt: all characters numeric; replaced as byte
(15 missing values generated)
(9 real changes made)
(22 real changes made)
Q37_SupplychaindataIfusi: all characters numeric; replaced as byte
(15 missing values generated)
(18 real changes made)
(13 real changes made)
Q37_Businessregisteratio: all characters numeric; replaced as byte
(15 missing values generated)
(11 real changes made)
(20 real changes made)
Q37_CreditdebitcarddataI: all characters numeric; replaced as byte
(15 missing values generated)
(2 real changes made)
(29 real changes made)
Q37_OtherWriteInIfusinga: all characters numeric; replaced as byte
(15 missing values generated)

.         drop temp

. 
. foreach var of varlist LoansizeoramountWhichofthe - NotapplicableWhichofthefoll {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q14_`short'"
  4.     capture rename `var' `newname'
  5. }

.         rename  CT Q14_Otherspecify

.         egen temp= rownonmiss(Q14_*), s

.         foreach var of varlist Q14* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(41 real changes made)
(5 real changes made)
Q14_LoansizeoramountWhic: all characters numeric; replaced as byte
(31 real changes made)
(15 real changes made)
Q14_GenderoftheborrowerW: all characters numeric; replaced as byte
(36 real changes made)
(10 real changes made)
Q14_SectorWhichofthefoll: all characters numeric; replaced as byte
(27 real changes made)
(19 real changes made)
Q14_GeographiclocationWh: all characters numeric; replaced as byte
(33 real changes made)
(13 real changes made)
Q14_RepaymenthistoryWhic: all characters numeric; replaced as byte
(1 real change made)
(45 real changes made)
Q14_NotapplicableWhichof: all characters numeric; replaced as byte
(4 real changes made)
(42 real changes made)
Q14_Otherspecify: all characters numeric; replaced as byte

.         drop temp

. 
.         gen Q22_Repaymentseg = (Ifyourinstitutionhasanalyzed == "Yes") if !missing(Ifyourinstitutionhasanalyzed)
(2 missing values generated)

.         gen Q17_Usesexdataforbiz = (Beyondcompliancewithdatarequ == "Yes") if !missing(Beyondcompliancewithdatarequ)

.         
.         foreach var of varlist CredithistoryWhichofthefoll- UseoffundsWhichofthefollo {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q27_`short'"
  4.     capture rename `var' `newname'      
  5.         }

.         foreach var of varlist RealestateWhattypeofcollate- OtherWriteInWhattypeofco {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q28_`short'"
  4.     capture rename `var' `newname'      
  5.         }

.         foreach var of varlist Q27* Q28* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' ==""
  4.                 destring `var', replace
  5.         }
(42 real changes made)
(4 real changes made)
Q27_CredithistoryWhichof: all characters numeric; replaced as byte
(36 real changes made)
(10 real changes made)
Q27_FinancialratiosWhich: all characters numeric; replaced as byte
(37 real changes made)
(9 real changes made)
Q27_CashflowanalysisWhic: all characters numeric; replaced as byte
(42 real changes made)
(4 real changes made)
Q27_BusinesssizeandageWh: all characters numeric; replaced as byte
(31 real changes made)
(15 real changes made)
Q27_Availabilityofcollat: all characters numeric; replaced as byte
(30 real changes made)
(16 real changes made)
Q27_Valueandqualityofcol: all characters numeric; replaced as byte
(32 real changes made)
(14 real changes made)
Q27_Industryandsectorris: all characters numeric; replaced as byte
(38 real changes made)
(8 real changes made)
Q27_Ownerspersonalcredit: all characters numeric; replaced as byte
(24 real changes made)
(22 real changes made)
Q27_Tradecreditandsuppli: all characters numeric; replaced as byte
(26 real changes made)
(20 real changes made)
Q27_GeographiclocationsW: all characters numeric; replaced as byte
(8 real changes made)
(38 real changes made)
Q27_Leveloftechnologyado: all characters numeric; replaced as byte
(27 real changes made)
(19 real changes made)
Q27_Regulatorycompliance: all characters numeric; replaced as byte
(25 real changes made)
(21 real changes made)
Q27_Workingcapitalmanage: all characters numeric; replaced as byte
(16 real changes made)
(30 real changes made)
Q27_Marketreputationandb: all characters numeric; replaced as byte
(36 real changes made)
(10 real changes made)
Q27_Paymentbehaviorwithc: all characters numeric; replaced as byte
(24 real changes made)
(22 real changes made)
Q27_UseoffundsWhichofthe: all characters numeric; replaced as byte
(31 real changes made)
(15 real changes made)
Q28_RealestateWhattypeof: all characters numeric; replaced as byte
(16 real changes made)
(30 real changes made)
Q28_InventoryWhattypeofc: all characters numeric; replaced as byte
(26 real changes made)
(20 real changes made)
Q28_Equipmentandmachiner: all characters numeric; replaced as byte
(30 real changes made)
(16 real changes made)
Q28_VehiclesWhattypeofco: all characters numeric; replaced as byte
(29 real changes made)
(17 real changes made)
Q28_Cashsavingsordeposit: all characters numeric; replaced as byte
(28 real changes made)
(18 real changes made)
Q28_PersonalguaranteesWh: all characters numeric; replaced as byte
(14 real changes made)
(32 real changes made)
Q28_AccountsreceivableWh: all characters numeric; replaced as byte
(7 real changes made)
(39 real changes made)
Q28_Investmentportfolios: all characters numeric; replaced as byte
(2 real changes made)
(44 real changes made)
Q28_Jewelryandpersonalva: all characters numeric; replaced as byte
(4 real changes made)
(42 real changes made)
Q28_Othermoveablecollate: all characters numeric; replaced as byte
(11 real changes made)
(35 real changes made)
Q28_OtherWriteInWhattype: all characters numeric; replaced as byte

.         
.         *Q29 - some variables have no name whatsoever
.         rename GC Valueandqualitycoll

.         rename GE Personalcredithistory

.         rename GF Tradecreditsuppliers

.         rename GK Marketreputation

.         rename GL Paymentbehavior

.         
. foreach var of varlist CredithistoryOfthevariables- OtherWriteInOfthevariable {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q29_`short'"
  4.     capture rename `var' `newname'
  5. }       

.         egen temp= rownonmiss(Q29_*), s

.         
.         foreach var of varlist Q29* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(26 real changes made)
(19 real changes made)
Q29_CredithistoryOftheva: all characters numeric; replaced as byte
(1 missing value generated)
(23 real changes made)
(22 real changes made)
Q29_FinancialratiosOfthe: all characters numeric; replaced as byte
(1 missing value generated)
(24 real changes made)
(21 real changes made)
Q29_CashflowanalysisOfth: all characters numeric; replaced as byte
(1 missing value generated)
(15 real changes made)
(30 real changes made)
Q29_BusinesssizeandageOf: all characters numeric; replaced as byte
(1 missing value generated)
(27 real changes made)
(18 real changes made)
Q29_Availabilityofcollat: all characters numeric; replaced as byte
(1 missing value generated)
(17 real changes made)
(28 real changes made)
Q29_Valueandqualitycoll: all characters numeric; replaced as byte
(1 missing value generated)
(8 real changes made)
(37 real changes made)
Q29_Industryandsectorris: all characters numeric; replaced as byte
(1 missing value generated)
(13 real changes made)
(32 real changes made)
Q29_Personalcredithistor: all characters numeric; replaced as byte
(1 missing value generated)
(8 real changes made)
(37 real changes made)
Q29_Tradecreditsuppliers: all characters numeric; replaced as byte
(1 missing value generated)
(2 real changes made)
(43 real changes made)
Q29_GeographiclocationsO: all characters numeric; replaced as byte
(1 missing value generated)
(9 real changes made)
(36 real changes made)
Q29_TechnologyadoptionOf: all characters numeric; replaced as byte
(1 missing value generated)
(7 real changes made)
(38 real changes made)
Q29_Regulatorycompliance: all characters numeric; replaced as byte
(1 missing value generated)
(6 real changes made)
(39 real changes made)
Q29_Workingcapitalmanage: all characters numeric; replaced as byte
(1 missing value generated)
(3 real changes made)
(42 real changes made)
Q29_Marketreputation: all characters numeric; replaced as byte
(1 missing value generated)
(10 real changes made)
(35 real changes made)
Q29_Paymentbehavior: all characters numeric; replaced as byte
(1 missing value generated)
(5 real changes made)
(40 real changes made)
Q29_UseoffundsOfthevaria: all characters numeric; replaced as byte
(1 missing value generated)
(3 real changes made)
(42 real changes made)
Q29_OtherWriteInOfthevar: all characters numeric; replaced as byte
(1 missing value generated)

.         drop temp

. 
.         *Q30 - some variables have no name whatsoever
.         rename GU Valueandqualitycoll

.         rename GW Personalcredithistory

.         rename GX Tradecreditsuppliers

.         rename HC Marketreputation

.         rename HD Paymentbehavior

. local maxbase = 20

.         foreach var of varlist CredithistoryHasyourorganiza-OtherWriteInHasyourorgani {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q30_`short'"
  4.     capture rename `var' `newname'
  5.         }

.         drop Q30_Regulatorycompliance //empty

. 
.         egen temp= rownonmiss(Q30_*), s

.         foreach var of varlist Q30* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(11 real changes made)
(32 real changes made)
Q30_CredithistoryHasyour: all characters numeric; replaced as byte
(3 missing values generated)
(8 real changes made)
(35 real changes made)
Q30_FinancialratiosHasyo: all characters numeric; replaced as byte
(3 missing values generated)
(13 real changes made)
(30 real changes made)
Q30_CashflowanalysisHasy: all characters numeric; replaced as byte
(3 missing values generated)
(11 real changes made)
(32 real changes made)
Q30_BusinesssizeandageHa: all characters numeric; replaced as byte
(3 missing values generated)
(15 real changes made)
(28 real changes made)
Q30_Availabilityofcollat: all characters numeric; replaced as byte
(3 missing values generated)
(13 real changes made)
(30 real changes made)
Q30_Valueandqualitycoll: all characters numeric; replaced as byte
(3 missing values generated)
(4 real changes made)
(39 real changes made)
Q30_Industryandsectorris: all characters numeric; replaced as byte
(3 missing values generated)
(4 real changes made)
(39 real changes made)
Q30_Personalcredithistor: all characters numeric; replaced as byte
(3 missing values generated)
(1 real change made)
(42 real changes made)
Q30_Tradecreditsuppliers: all characters numeric; replaced as byte
(3 missing values generated)
(2 real changes made)
(41 real changes made)
Q30_GeographiclocationsH: all characters numeric; replaced as byte
(3 missing values generated)
(2 real changes made)
(41 real changes made)
Q30_TechnologyadoptionHa: all characters numeric; replaced as byte
(3 missing values generated)
(2 real changes made)
(41 real changes made)
Q30_Workingcapitalmanage: all characters numeric; replaced as byte
(3 missing values generated)
(2 real changes made)
(41 real changes made)
Q30_Marketreputation: all characters numeric; replaced as byte
(3 missing values generated)
(4 real changes made)
(39 real changes made)
Q30_Paymentbehavior: all characters numeric; replaced as byte
(3 missing values generated)
(3 real changes made)
(40 real changes made)
Q30_UseoffundsHasyourorg: all characters numeric; replaced as byte
(3 missing values generated)
(7 real changes made)
(36 real changes made)
Q30_UnsureIdonthaveacces: all characters numeric; replaced as byte
(3 missing values generated)
(10 real changes made)
(33 real changes made)
Q30_OtherWriteInHasyouro: all characters numeric; replaced as byte
(3 missing values generated)

.         *We want to keep a var yes/no any criteria relaxed
.         clonevar Q30_any= temp

.         tab Q30_any Q30_UnsureIdonthaveacces, m

           |  Unsure/I don't have access to
           |    this information:Has your
           |     organization eased the r
   Q30_any |         0          1          . |     Total
-----------+---------------------------------+----------
         0 |         0          0          3 |         3 
         1 |        14          7          0 |        21 
         2 |         6          0          0 |         6 
         3 |         5          0          0 |         5 
         4 |         3          0          0 |         3 
         5 |         2          0          0 |         2 
         6 |         2          0          0 |         2 
         7 |         3          0          0 |         3 
         9 |         1          0          0 |         1 
-----------+---------------------------------+----------
     Total |        36          7          3 |        46 

.         *Not counting as yes those who are not sure
.         replace Q30_any =  0 if Q30_UnsureIdonthaveacces == 1
(7 real changes made)

.         list HI if Q30_any>0 & Q30_OtherWriteInHasyouro==1

     +---------------------------------------------------------------------------------------------------------------------------------------------------------------+
     | HI                                                                                                                                                            |
     |---------------------------------------------------------------------------------------------------------------------------------------------------------------|
  4. | No                                                                                                                                                            |
  5. | The same requirements apply                                                                                                                                   |
 15. | Currently there is no biasedness in terms of collecting the above data points. We collect all possible data for both genders.                                 |
 16. | We do not segregate underwriting based on gender                                                                                                              |
 22. | Mejores lÃ­neas de crÃ©dito                                                                                                                                   |
     |---------------------------------------------------------------------------------------------------------------------------------------------------------------|
 23. | Only B2C                                                                                                                                                      |
 24. | Our clients leverage our product, CreditX, to use various alternate data to assess the SME's credit-worthiness. Further, automation allows active assessmen.. |
 25. | No, since our entity does not contemplate gender distinction, all cases are treated equally.                                                                  |
 30. | We offer a 0.50% interest discount on loans for female borrowers and apply the same collateral requirements.                                                  |
 37. | Comparatively lower Interest rate and charges                                                                                                                 |
     +---------------------------------------------------------------------------------------------------------------------------------------------------------------+

.         *Some answered No in other, specify. Many mentioned different products but no different requirements- so all others will go to NO
.         replace Q30_any =  0 if Q30_OtherWriteInHasyouro == 1 
(10 real changes made)

.         tab Q30_any

    Q30_any |      Freq.     Percent        Cum.
------------+-----------------------------------
          0 |         20       43.48       43.48
          1 |          6       13.04       56.52
          2 |          5       10.87       67.39
          3 |          5       10.87       78.26
          4 |          3        6.52       84.78
          5 |          2        4.35       89.13
          6 |          2        4.35       93.48
          7 |          2        4.35       97.83
          9 |          1        2.17      100.00
------------+-----------------------------------
      Total |         46      100.00

.         drop temp

. 
.         foreach var of varlist MarketexpansionstrategyIfyou-OtherWriteInIfyouanswered {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q31_`short'"
  4.     capture rename `var' `newname'
  5.         }       

.         egen temp= rownonmiss(Q31_*), s

.         foreach var of varlist Q31* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(19 real changes made)
(15 real changes made)
Q31_Marketexpansionstrat: all characters numeric; replaced as byte
(12 missing values generated)
(16 real changes made)
(18 real changes made)
Q31_Corporatesocialrespo: all characters numeric; replaced as byte
(12 missing values generated)
(4 real changes made)
(30 real changes made)
Q31_Regulatorycompliance: all characters numeric; replaced as byte
(12 missing values generated)
(9 real changes made)
(25 real changes made)
Q31_Governmentprogramsan: all characters numeric; replaced as byte
(12 missing values generated)
(9 real changes made)
(25 real changes made)
Q31_RiskdiversificationI: all characters numeric; replaced as byte
(12 missing values generated)
(7 real changes made)
(27 real changes made)
Q31_OtherWriteInIfyouans: all characters numeric; replaced as byte
(12 missing values generated)

.         drop temp

.         
.         foreach var of varlist Dataprotectionandprivacylaws-OtherWriteInAreyoulimited {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q32_`short'"
  4.     capture rename `var' `newname'
  5.         }       

.         egen temp= rownonmiss(Q32_*), s

.         foreach var of varlist Q32* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(6 real changes made)
(20 real changes made)
Q32_Dataprotectionandpri: all characters numeric; replaced as byte
(20 missing values generated)
(4 real changes made)
(22 real changes made)
Q32_FairlendinglawsAreyo: all characters numeric; replaced as byte
(20 missing values generated)
(2 real changes made)
(24 real changes made)
Q32_EqualCreditOpportuni: all characters numeric; replaced as byte
(20 missing values generated)
(17 real changes made)
(9 real changes made)
Q32_OtherWriteInAreyouli: all characters numeric; replaced as byte
(20 missing values generated)

.         drop temp

.                 rename Ifyouusealternativedatafor Q36_Ifyouusealternativedata

.                 rename Howistheuseofalternativeda Q38_Howisuseofaltdata

.         
.         *Q39 - some variables have no name whatsoever
.         rename JH Mortgage

.         rename JJ Bankaccount

.         rename JM Mobileappusage

.         rename JN Alternativefindata

.         rename JW Digitalfootprint

.         rename JX BNPLrecords

.         rename JY Subscriptionservicepaymts

.         rename JZ Psychometricdata

. foreach var of varlist TelcodataBasedonyourorganiz- OtherWriteInBasedonyouro {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q39_`short'"
  4.     capture rename `var' `newname'
  5. }       

.         egen temp= rownonmiss(Q39_*), s

.         drop Q39_WeatherforecastBased Q39_TraveldataBasedonyou Q39_WebscrapingBasedonyo Q39_SatellitedataBasedon Q39_CloudplatformsBasedo //empty

.         
.         foreach var of varlist Q39* {
  2.                 replace `var'= "1" if `var' !=""
  3.                 replace `var'= "0" if `var' =="" & temp>0
  4.                 destring `var', replace
  5.         }
(5 real changes made)
(26 real changes made)
Q39_TelcodataBasedonyour: all characters numeric; replaced as byte
(15 missing values generated)
(8 real changes made)
(23 real changes made)
Q39_Mortgage: all characters numeric; replaced as byte
(15 missing values generated)
(5 real changes made)
(26 real changes made)
Q39_RemittancesBasedonyo: all characters numeric; replaced as byte
(15 missing values generated)
(21 real changes made)
(10 real changes made)
Q39_Bankaccount: all characters numeric; replaced as byte
(15 missing values generated)
(3 real changes made)
(28 real changes made)
Q39_UtilitiesdataBasedon: all characters numeric; replaced as byte
(15 missing values generated)
(12 real changes made)
(19 real changes made)
Q39_PointofSalePOSdataBa: all characters numeric; replaced as byte
(15 missing values generated)
(4 real changes made)
(27 real changes made)
Q39_Mobileappusage: all characters numeric; replaced as byte
(15 missing values generated)
(9 real changes made)
(22 real changes made)
Q39_Alternativefindata: all characters numeric; replaced as byte
(15 missing values generated)
(1 real change made)
(30 real changes made)
Q39_Insurancepremiumpaym: all characters numeric; replaced as byte
(15 missing values generated)
(3 real changes made)
(28 real changes made)
Q39_SocialmediaactivityB: all characters numeric; replaced as byte
(15 missing values generated)
(5 real changes made)
(26 real changes made)
Q39_CorporatedataBasedon: all characters numeric; replaced as byte
(15 missing values generated)
(3 real changes made)
(28 real changes made)
Q39_GeolocationBasedonyo: all characters numeric; replaced as byte
(15 missing values generated)
(1 real change made)
(30 real changes made)
Q39_Digitalfootprint: all characters numeric; replaced as byte
(15 missing values generated)
(2 real changes made)
(29 real changes made)
Q39_BNPLrecords: all characters numeric; replaced as byte
(15 missing values generated)
(1 real change made)
(30 real changes made)
Q39_Subscriptionservicep: all characters numeric; replaced as byte
(15 missing values generated)
(2 real changes made)
(29 real changes made)
Q39_Psychometricdata: all characters numeric; replaced as byte
(15 missing values generated)
(7 real changes made)
(24 real changes made)
Q39_TaxpaymentBasedonyou: all characters numeric; replaced as byte
(15 missing values generated)
(6 real changes made)
(25 real changes made)
Q39_SupplychaindataBased: all characters numeric; replaced as byte
(15 missing values generated)
(3 real changes made)
(28 real changes made)
Q39_Businessregisteratio: all characters numeric; replaced as byte
(15 missing values generated)
(8 real changes made)
(23 real changes made)
Q39_CreditdebitcarddataB: all characters numeric; replaced as byte
(15 missing values generated)
(3 real changes made)
(28 real changes made)
Q39_OtherWriteInBasedony: all characters numeric; replaced as byte
(15 missing values generated)

.         drop temp

. 
.         encode Doyouoperateunderanyregulat, g(Q40_regAltdata)

.         local maxbase = 20

.         foreach var of varlist Nationaldataprotectionandpri- Generaldataprotectionandpriv {
  2.     local short = "`=substr("`var'",1,`maxbase')'"
  3.     local newname = "Q41_`short'"
  4.     capture rename `var' `newname'      
  5.         }

.         foreach var of varlist Q41* {
  2.                 replace `var'= "1" if `var' !="" & (Q40_regAltdata == 3 | Q40_regAltdata == 4)
  3.                 replace `var'= "0" if `var' =="" & (Q40_regAltdata == 3 | Q40_regAltdata == 4)
  4.                 destring `var', replace
  5.         }       
(15 real changes made)
(3 real changes made)
Q41_Nationaldataprotecti: all characters numeric; replaced as byte
(28 missing values generated)
(9 real changes made)
(9 real changes made)
Q41_Industryspecificregu: all characters numeric; replaced as byte
(28 missing values generated)
(10 real changes made)
(8 real changes made)
Q41_Responsiblelendingfa: all characters numeric; replaced as byte
(28 missing values generated)
(12 real changes made)
(6 real changes made)
Q41_Consumerprotectionre: all characters numeric; replaced as byte
(28 missing values generated)
(11 real changes made)
(7 real changes made)
Q41_Generaldataprotectio: all characters numeric; replaced as byte
(28 missing values generated)

. ***Saving all changes/vars
. save "$data_analysis\Survey_final_analysisJan26", replace
file C:\Users\wb658068\Downloads\Reproducibility_checks\660\OneDrive_2026-05-18\reproducibility package\data-analysis\Survey_final_analysisJan26.dta saved

. 
. 
end of do-file

.         do "${code}/2_mainstats.do"

. /* Project Details -------------------------------------------------------------
> 
>         Project:                        FCI WMSE Survey
>         Author:                         Angela Garcia
>         Dependencies:           FCI Payments
>  
>         Date Created:           2025 Feb
>         Modification Date:  
>         Notes:                          Adapted for reproducibility package                                      
>         ------------------------------------------------------------------------------*/
. * Step 1: Set Directories & Load Data ------------------------------------------        
.         * Set project global(s)
. 
. /*      If not running from main.do     
>         if c(username)=="wb526258" {
>                         global path "C:\Users\wb526258\OneDrive - WBG\Sheirin Iravantchi's files - survey work\reproducibility package\"
>                         }*/
.         global code     "${path}/code"

.                 
.         global data_analysis "${path}\data-analysis"

.         global results "${path}\results"        

.         cd "${path}\results"    
C:\Users\wb658068\Downloads\Reproducibility_checks\660\OneDrive_2026-05-18\reproducibility package\results

. capture log close
