<?xml version="1.0" encoding="utf-8"?>
<answers>
  <answer>
    <_answerId_>24966</_answerId_>
    <_countryId_>6</_countryId_>
    <_questionId_>219</_questionId_>
    <_secondCrossVarCatId_>9</_secondCrossVarCatId_>
    <_answerSlug_>base-all-respondents</_answerSlug_>
    <_answerTitle_>Base : All respondents</_answerTitle_>
    <_answerCategorySlug_/>
    <_answerCategoryTitle_/>
    <_all_>3486</_all_>
    <_all_kpk_/>
    <_all_red-river-delta_/>
    <_all_south-east_/>
    <_all_north-and-south-central-coast_/>
    <_all_north-east-north-west_/>
    <_all_central-highlands_/>
    <_all_mekong-delta_/>
    <_exp-high_>3384</_exp-high_>
    <_exp-high_kpk_/>
    <_exp-high_red-river-delta_>785</_exp-high_red-river-delta_>
    <_exp-high_south-east_>577</_exp-high_south-east_>
    <_exp-high_north-and-south-central-coast_>705</_exp-high_north-and-south-central-coast_>
    <_exp-high_north-east-north-west_>435</_exp-high_north-east-north-west_>
    <_exp-high_central-highlands_>274</_exp-high_central-highlands_>
    <_exp-high_mekong-delta_>608</_exp-high_mekong-delta_>
    <_exp-low_>91</_exp-low_>
    <_exp-low_kpk_/>
    <_exp-low_red-river-delta_>1</_exp-low_red-river-delta_>
    <_exp-low_south-east_>12</_exp-low_south-east_>
    <_exp-low_north-and-south-central-coast_>20</_exp-low_north-and-south-central-coast_>
    <_exp-low_north-east-north-west_>15</_exp-low_north-east-north-west_>
    <_exp-low_central-highlands_>2</_exp-low_central-highlands_>
    <_exp-low_mekong-delta_>41</_exp-low_mekong-delta_>
    <_no-exp_>11</_no-exp_>
    <_no-exp_kpk_/>
    <_no-exp_red-river-delta_>0</_no-exp_red-river-delta_>
    <_no-exp_south-east_>3</_no-exp_south-east_>
    <_no-exp_north-and-south-central-coast_>2</_no-exp_north-and-south-central-coast_>
    <_no-exp_north-east-north-west_>4</_no-exp_north-east-north-west_>
    <_no-exp_central-highlands_>0</_no-exp_central-highlands_>
    <_no-exp_mekong-delta_>2</_no-exp_mekong-delta_>
  </answer>
  <answer>
    <_answerId_>24967</_answerId_>
    <_countryId_>6</_countryId_>
    <_questionId_>219</_questionId_>
    <_secondCrossVarCatId_>9</_secondCrossVarCatId_>
    <_answerSlug_>credit-eg-loans-and-micro-credit</_answerSlug_>
    <_answerTitle_>Credit (e.g. loans and micro-credit)</_answerTitle_>
    <_answerCategorySlug_/>
    <_answerCategoryTitle_/>
    <_all_>3.6</_all_>
    <_all_kpk_/>
    <_all_red-river-delta_/>
    <_all_south-east_/>
    <_all_north-and-south-central-coast_/>
    <_all_north-east-north-west_/>
    <_all_central-highlands_/>
    <_all_mekong-delta_/>
    <_exp-high_>3.5</_exp-high_>
    <_exp-high_kpk_/>
    <_exp-high_red-river-delta_>3.3</_exp-high_red-river-delta_>
    <_exp-high_south-east_>6.1</_exp-high_south-east_>
    <_exp-high_north-and-south-central-coast_>4.8</_exp-high_north-and-south-central-coast_>
    <_exp-high_north-east-north-west_>1.1</_exp-high_north-east-north-west_>
    <_exp-high_central-highlands_>0.7</_exp-high_central-highlands_>
    <_exp-high_mekong-delta_>2.8</_exp-high_mekong-delta_>
    <_exp-low_>6.6</_exp-low_>
    <_exp-low_kpk_/>
    <_exp-low_red-river-delta_>0</_exp-low_red-river-delta_>
    <_exp-low_south-east_>16.7</_exp-low_south-east_>
    <_exp-low_north-and-south-central-coast_>10</_exp-low_north-and-south-central-coast_>
    <_exp-low_north-east-north-west_>0</_exp-low_north-east-north-west_>
    <_exp-low_central-highlands_>0</_exp-low_central-highlands_>
    <_exp-low_mekong-delta_>4.9</_exp-low_mekong-delta_>
    <_no-exp_>0</_no-exp_>
    <_no-exp_kpk_/>
    <_no-exp_red-river-delta_>0</_no-exp_red-river-delta_>
    <_no-exp_south-east_>0</_no-exp_south-east_>
    <_no-exp_north-and-south-central-coast_>0</_no-exp_north-and-south-central-coast_>
    <_no-exp_north-east-north-west_>0</_no-exp_north-east-north-west_>
    <_no-exp_central-highlands_>0</_no-exp_central-highlands_>
    <_no-exp_mekong-delta_>0</_no-exp_mekong-delta_>
  </answer>
  <answer>
    <_answerId_>24968</_answerId_>
    <_countryId_>6</_countryId_>
    <_questionId_>219</_questionId_>
    <_secondCrossVarCatId_>9</_secondCrossVarCatId_>
    <_answerSlug_>insurance-including-micro-insurance</_answerSlug_>
    <_answerTitle_>Insurance  (including micro-insurance)</_answerTitle_>
    <_answerCategorySlug_/>
    <_answerCategoryTitle_/>
    <_all_>37.2</_all_>
    <_all_kpk_/>
    <_all_red-river-delta_/>
    <_all_south-east_/>
    <_all_north-and-south-central-coast_/>
    <_all_north-east-north-west_/>
    <_all_central-highlands_/>
    <_all_mekong-delta_/>
    <_exp-high_>37.3</_exp-high_>
    <_exp-high_kpk_/>
    <_exp-high_red-river-delta_>29.6</_exp-high_red-river-delta_>
    <_exp-high_south-east_>31.9</_exp-high_south-east_>
    <_exp-high_north-and-south-central-coast_>45.7</_exp-high_north-and-south-central-coast_>
    <_exp-high_north-east-north-west_>43.2</_exp-high_north-east-north-west_>
    <_exp-high_central-highlands_>23.4</_exp-high_central-highlands_>
    <_exp-high_mekong-delta_>44.7</_exp-high_mekong-delta_>
    <_exp-low_>34.1</_exp-low_>
    <_exp-low_kpk_/>
    <_exp-low_red-river-delta_>0</_exp-low_red-river-delta_>
    <_exp-low_south-east_>25</_exp-low_south-east_>
    <_exp-low_north-and-south-central-coast_>50</_exp-low_north-and-south-central-coast_>
    <_exp-low_north-east-north-west_>20</_exp-low_north-east-north-west_>
    <_exp-low_central-highlands_>0</_exp-low_central-highlands_>
    <_exp-low_mekong-delta_>36.6</_exp-low_mekong-delta_>
    <_no-exp_>27.3</_no-exp_>
    <_no-exp_kpk_/>
    <_no-exp_red-river-delta_>0</_no-exp_red-river-delta_>
    <_no-exp_south-east_>33.3</_no-exp_south-east_>
    <_no-exp_north-and-south-central-coast_>50</_no-exp_north-and-south-central-coast_>
    <_no-exp_north-east-north-west_>0</_no-exp_north-east-north-west_>
    <_no-exp_central-highlands_>0</_no-exp_central-highlands_>
    <_no-exp_mekong-delta_>50</_no-exp_mekong-delta_>
  </answer>
  <answer>
    <_answerId_>24969</_answerId_>
    <_countryId_>6</_countryId_>
    <_questionId_>219</_questionId_>
    <_secondCrossVarCatId_>9</_secondCrossVarCatId_>
    <_answerSlug_>benefits-eg-unemployment-and-government-transfer-payments</_answerSlug_>
    <_answerTitle_>Benefits (e.g. unemployment and government transfer payments)</_answerTitle_>
    <_answerCategorySlug_/>
    <_answerCategoryTitle_/>
    <_all_>4.3</_all_>
    <_all_kpk_/>
    <_all_red-river-delta_/>
    <_all_south-east_/>
    <_all_north-and-south-central-coast_/>
    <_all_north-east-north-west_/>
    <_all_central-highlands_/>
    <_all_mekong-delta_/>
    <_exp-high_>4.1</_exp-high_>
    <_exp-high_kpk_/>
    <_exp-high_red-river-delta_>0.6</_exp-high_red-river-delta_>
    <_exp-high_south-east_>1.7</_exp-high_south-east_>
    <_exp-high_north-and-south-central-coast_>7.8</_exp-high_north-and-south-central-coast_>
    <_exp-high_north-east-north-west_>4.1</_exp-high_north-east-north-west_>
    <_exp-high_central-highlands_>2.9</_exp-high_central-highlands_>
    <_exp-high_mekong-delta_>7.2</_exp-high_mekong-delta_>
    <_exp-low_>6.6</_exp-low_>
    <_exp-low_kpk_/>
    <_exp-low_red-river-delta_>0</_exp-low_red-river-delta_>
    <_exp-low_south-east_>0</_exp-low_south-east_>
    <_exp-low_north-and-south-central-coast_>15</_exp-low_north-and-south-central-coast_>
    <_exp-low_north-east-north-west_>13.3</_exp-low_north-east-north-west_>
    <_exp-low_central-highlands_>0</_exp-low_central-highlands_>
    <_exp-low_mekong-delta_>2.4</_exp-low_mekong-delta_>
    <_no-exp_>27.3</_no-exp_>
    <_no-exp_kpk_/>
    <_no-exp_red-river-delta_>0</_no-exp_red-river-delta_>
    <_no-exp_south-east_>0</_no-exp_south-east_>
    <_no-exp_north-and-south-central-coast_>0</_no-exp_north-and-south-central-coast_>
    <_no-exp_north-east-north-west_>75</_no-exp_north-east-north-west_>
    <_no-exp_central-highlands_>0</_no-exp_central-highlands_>
    <_no-exp_mekong-delta_>0</_no-exp_mekong-delta_>
  </answer>
  <answer>
    <_answerId_>24970</_answerId_>
    <_countryId_>6</_countryId_>
    <_questionId_>219</_questionId_>
    <_secondCrossVarCatId_>9</_secondCrossVarCatId_>
    <_answerSlug_>government-grants-eg-those-for-small-businesses</_answerSlug_>
    <_answerTitle_>Government grants (e.g. those for small businesses)</_answerTitle_>
    <_answerCategorySlug_/>
    <_answerCategoryTitle_/>
    <_all_>0.8</_all_>
    <_all_kpk_/>
    <_all_red-river-delta_/>
    <_all_south-east_/>
    <_all_north-and-south-central-coast_/>
    <_all_north-east-north-west_/>
    <_all_central-highlands_/>
    <_all_mekong-delta_/>
    <_exp-high_>0.8</_exp-high_>
    <_exp-high_kpk_/>
    <_exp-high_red-river-delta_>0.4</_exp-high_red-river-delta_>
    <_exp-high_south-east_>0.7</_exp-high_south-east_>
    <_exp-high_north-and-south-central-coast_>0.3</_exp-high_north-and-south-central-coast_>
    <_exp-high_north-east-north-west_>0.5</_exp-high_north-east-north-west_>
    <_exp-high_central-highlands_>1.5</_exp-high_central-highlands_>
    <_exp-high_mekong-delta_>2.1</_exp-high_mekong-delta_>
    <_exp-low_>0</_exp-low_>
    <_exp-low_kpk_/>
    <_exp-low_red-river-delta_>0</_exp-low_red-river-delta_>
    <_exp-low_south-east_>0</_exp-low_south-east_>
    <_exp-low_north-and-south-central-coast_>0</_exp-low_north-and-south-central-coast_>
    <_exp-low_north-east-north-west_>0</_exp-low_north-east-north-west_>
    <_exp-low_central-highlands_>0</_exp-low_central-highlands_>
    <_exp-low_mekong-delta_>0</_exp-low_mekong-delta_>
    <_no-exp_>9.1</_no-exp_>
    <_no-exp_kpk_/>
    <_no-exp_red-river-delta_>0</_no-exp_red-river-delta_>
    <_no-exp_south-east_>0</_no-exp_south-east_>
    <_no-exp_north-and-south-central-coast_>50</_no-exp_north-and-south-central-coast_>
    <_no-exp_north-east-north-west_>0</_no-exp_north-east-north-west_>
    <_no-exp_central-highlands_>0</_no-exp_central-highlands_>
    <_no-exp_mekong-delta_>0</_no-exp_mekong-delta_>
  </answer>
  <answer>
    <_answerId_>24971</_answerId_>
    <_countryId_>6</_countryId_>
    <_questionId_>219</_questionId_>
    <_secondCrossVarCatId_>9</_secondCrossVarCatId_>
    <_answerSlug_>bank-and-savings-accounts</_answerSlug_>
    <_answerTitle_>Bank and savings accounts</_answerTitle_>
    <_answerCategorySlug_/>
    <_answerCategoryTitle_/>
    <_all_>23.1</_all_>
    <_all_kpk_/>
    <_all_red-river-delta_/>
    <_all_south-east_/>
    <_all_north-and-south-central-coast_/>
    <_all_north-east-north-west_/>
    <_all_central-highlands_/>
    <_all_mekong-delta_/>
    <_exp-high_>23.4</_exp-high_>
    <_exp-high_kpk_/>
    <_exp-high_red-river-delta_>26.6</_exp-high_red-river-delta_>
    <_exp-high_south-east_>30.3</_exp-high_south-east_>
    <_exp-high_north-and-south-central-coast_>23.5</_exp-high_north-and-south-central-coast_>
    <_exp-high_north-east-north-west_>12.6</_exp-high_north-east-north-west_>
    <_exp-high_central-highlands_>35</_exp-high_central-highlands_>
    <_exp-high_mekong-delta_>15</_exp-high_mekong-delta_>
    <_exp-low_>15.4</_exp-low_>
    <_exp-low_kpk_/>
    <_exp-low_red-river-delta_>0</_exp-low_red-river-delta_>
    <_exp-low_south-east_>25</_exp-low_south-east_>
    <_exp-low_north-and-south-central-coast_>10</_exp-low_north-and-south-central-coast_>
    <_exp-low_north-east-north-west_>6.7</_exp-low_north-east-north-west_>
    <_exp-low_central-highlands_>0</_exp-low_central-highlands_>
    <_exp-low_mekong-delta_>19.5</_exp-low_mekong-delta_>
    <_no-exp_>9.1</_no-exp_>
    <_no-exp_kpk_/>
    <_no-exp_red-river-delta_>0</_no-exp_red-river-delta_>
    <_no-exp_south-east_>0</_no-exp_south-east_>
    <_no-exp_north-and-south-central-coast_>0</_no-exp_north-and-south-central-coast_>
    <_no-exp_north-east-north-west_>0</_no-exp_north-east-north-west_>
    <_no-exp_central-highlands_>0</_no-exp_central-highlands_>
    <_no-exp_mekong-delta_>50</_no-exp_mekong-delta_>
  </answer>
  <answer>
    <_answerId_>24972</_answerId_>
    <_countryId_>6</_countryId_>
    <_questionId_>219</_questionId_>
    <_secondCrossVarCatId_>9</_secondCrossVarCatId_>
    <_answerSlug_>collective-purchasing-eg-collectively-buying-assets-and-savings-groups</_answerSlug_>
    <_answerTitle_>Collective purchasing (e.g. collectively buying assets and savings groups)</_answerTitle_>
    <_answerCategorySlug_/>
    <_answerCategoryTitle_/>
    <_all_>0.5</_all_>
    <_all_kpk_/>
    <_all_red-river-delta_/>
    <_all_south-east_/>
    <_all_north-and-south-central-coast_/>
    <_all_north-east-north-west_/>
    <_all_central-highlands_/>
    <_all_mekong-delta_/>
    <_exp-high_>0.6</_exp-high_>
    <_exp-high_kpk_/>
    <_exp-high_red-river-delta_>0.4</_exp-high_red-river-delta_>
    <_exp-high_south-east_>1.2</_exp-high_south-east_>
    <_exp-high_north-and-south-central-coast_>0.6</_exp-high_north-and-south-central-coast_>
    <_exp-high_north-east-north-west_>0.2</_exp-high_north-east-north-west_>
    <_exp-high_central-highlands_>0.7</_exp-high_central-highlands_>
    <_exp-high_mekong-delta_>0.3</_exp-high_mekong-delta_>
    <_exp-low_>0</_exp-low_>
    <_exp-low_kpk_/>
    <_exp-low_red-river-delta_>0</_exp-low_red-river-delta_>
    <_exp-low_south-east_>0</_exp-low_south-east_>
    <_exp-low_north-and-south-central-coast_>0</_exp-low_north-and-south-central-coast_>
    <_exp-low_north-east-north-west_>0</_exp-low_north-east-north-west_>
    <_exp-low_central-highlands_>0</_exp-low_central-highlands_>
    <_exp-low_mekong-delta_>0</_exp-low_mekong-delta_>
    <_no-exp_>0</_no-exp_>
    <_no-exp_kpk_/>
    <_no-exp_red-river-delta_>0</_no-exp_red-river-delta_>
    <_no-exp_south-east_>0</_no-exp_south-east_>
    <_no-exp_north-and-south-central-coast_>0</_no-exp_north-and-south-central-coast_>
    <_no-exp_north-east-north-west_>0</_no-exp_north-east-north-west_>
    <_no-exp_central-highlands_>0</_no-exp_central-highlands_>
    <_no-exp_mekong-delta_>0</_no-exp_mekong-delta_>
  </answer>
  <answer>
    <_answerId_>24973</_answerId_>
    <_countryId_>6</_countryId_>
    <_questionId_>219</_questionId_>
    <_secondCrossVarCatId_>9</_secondCrossVarCatId_>
    <_answerSlug_>dont-knowrefused</_answerSlug_>
    <_answerTitle_>Don't know/refused                                                                 </_answerTitle_>
    <_answerCategorySlug_/>
    <_answerCategoryTitle_/>
    <_all_>48.6</_all_>
    <_all_kpk_/>
    <_all_red-river-delta_/>
    <_all_south-east_/>
    <_all_north-and-south-central-coast_/>
    <_all_north-east-north-west_/>
    <_all_central-highlands_/>
    <_all_mekong-delta_/>
    <_exp-high_>48.7</_exp-high_>
    <_exp-high_kpk_/>
    <_exp-high_red-river-delta_>54.4</_exp-high_red-river-delta_>
    <_exp-high_south-east_>49</_exp-high_south-east_>
    <_exp-high_north-and-south-central-coast_>44.5</_exp-high_north-and-south-central-coast_>
    <_exp-high_north-east-north-west_>50.6</_exp-high_north-east-north-west_>
    <_exp-high_central-highlands_>51.8</_exp-high_central-highlands_>
    <_exp-high_mekong-delta_>43.1</_exp-high_mekong-delta_>
    <_exp-low_>46.2</_exp-low_>
    <_exp-low_kpk_/>
    <_exp-low_red-river-delta_>100</_exp-low_red-river-delta_>
    <_exp-low_south-east_>50</_exp-low_south-east_>
    <_exp-low_north-and-south-central-coast_>30</_exp-low_north-and-south-central-coast_>
    <_exp-low_north-east-north-west_>66.7</_exp-low_north-east-north-west_>
    <_exp-low_central-highlands_>100</_exp-low_central-highlands_>
    <_exp-low_mekong-delta_>41.5</_exp-low_mekong-delta_>
    <_no-exp_>36.4</_no-exp_>
    <_no-exp_kpk_/>
    <_no-exp_red-river-delta_>0</_no-exp_red-river-delta_>
    <_no-exp_south-east_>66.7</_no-exp_south-east_>
    <_no-exp_north-and-south-central-coast_>0</_no-exp_north-and-south-central-coast_>
    <_no-exp_north-east-north-west_>25</_no-exp_north-east-north-west_>
    <_no-exp_central-highlands_>0</_no-exp_central-highlands_>
    <_no-exp_mekong-delta_>50</_no-exp_mekong-delta_>
  </answer>
</answers>
