01 |
Member code |
Numerical key, unique for each member |
02 |
Gender |
1= male |
2= female |
03 |
Age |
Numerical value |
04 |
Level of education |
1= graduate |
2= complete tertiary |
3= incomplete tertiary |
4= complete secondary |
5= incomplete secondary |
6= complete primary primary |
7= incomplete |
05 |
City |
Name of city of residence |
06 |
Birthplace |
Name of city of birth |
07 |
Place of residence |
1= urban area |
2= rural area |
08 |
Primary work/activity |
Name of work/activity |
09 |
Marital status |
1= Married |
2= Single |
3= Widowed |
4= Legally divorced |
5= Other |
10 |
Capital |
Numerical value |
11 |
Relationship |
1= with the cooperative for more than 3 years |
2= with the cooperative for 1 to 3 years |
3= with the cooperative for less than 1 year |
12 |
Transaction conduct |
1= normal |
2= occasional delays |
3= constant delays/renegotiations |
13 |
Years of experience in activity/work |
1= more than 5 years |
2= from 3 to 5 years |
3= less than 3 years |
14 |
Records check |
1= no restrictions |
2= justified, irrelevant restrictions |
3= relevant or unjustified, irrelevant restrictions |
15 |
Record information at the cooperative |
1= up-to-date and reliable record |
2= up-to-date and unreliable record |
3= information is not up-to-date or is missing |
16 |
Purpose of the operation |
1= support and investment |
2= financing of assets |
3= personal credit/automatic loan |
4= debt renewal/composition |
17 |
Operation guarantees |
1= mortgage—social capital |
2= chattel mortgage/warrants |
3= pledge/collateral |
4= personal |
18 |
Liquidity guarantee |
1= high liquidity guarantee (sale in less than 6 months) |
2= moderate liquidity guarantee (sale in 6 to 12 months) |
3= personal or low liquidity guarantee (sale in more than 12 months) |
19 |
Frequency with which the member performs (active) transactions |
1= never |
2= frequently |
3= permanently |
20 |
Operation value |
1= up to 1% of adjusted net worth (ANW) |
2= from 1.01% to 2% of ANW |
3= from 2.01% to 3% of ANW |
4= more than 3% of ANW |
21 |
Level of commitment—installments on member's net income |
1= up to 20% of average net income |
2= from 20%-30% of average net income |
3= more than 30% of net income |
22 |
Personal net assets minus total liability |
1= more than 4 times |
2= from 2 to 4 times |
3= no personal equity or less than 2 times |
23 |
Total liability in relation to annual net income |
1= less than 2 times |
2= from 2 to 4 times |
3= more than 4 times |
24 |
Total liability in relation to paid-in capital |
1= less than 4 times |
2= from 4 to 8 times |
3= from 8 to 12 times |
4= more than 12 times |
25 |
Profile of member's economical activity |
1= excellent |
2= good |
3= regular |
4= poor |
26 |
Risk attributed by the cooperative |
1= AA |
2= A |
3= B |
4= C |
5= D |
6= E |
7= F |
8= G |
9= H |
27 |
Result—July 2007 |
1= good standing |
2= default |
28 |
Result—August 2007 |
1= good standing |
2= default |
29 |
Result—September 2007 |
1= good standing |
2= default |
30 |
Result—October 2007 |
1= good standing |
2= default |
31 |
Result—November 2007 |
1= good standing |
2= default |
32 |
Result—December 2007 |
1= good standing |
2= default |
33 |
Result—January 2008 |
1= good standing |
2= default |
34 |
Result—February 2008 |
1= good standing |
2= default |
35 |
Result—March 2008 |
1= good standing |
2= default |
36 |
Result—April 2008 |
1= good standing |
2= default |
37 |
Result—May 2008 |
1= good standing |
2= default |
38 |
Result—June 2008 |
1= good standing |
2= default |
39 |
Aggregate result |
1= good standing |
2= default |