ANNEX 4 | 93 TABLE A4-2: Percentage of Households with Financial Tools for Credit # TRANSACTIONS DEPOSIT % HOUSEHOLDS LATEST BALANCE INSTRUMENTS BORROWING REPAYMENT CREDIT INSTRUMENTS USING (MEAN) PER (MEAN) (MEAN) (MEAN) Mozambique Borrowing from friends and family 59 $3.41 2 $8.62 $10.80 Credit at a store 22 $2.57 2 $3.28 $3.89 Act as money guard 5 $1.33 1 $0.58 $17.60 Borrowing from informal group 5 $6.92 2 $6.49 $27.69 Pawning assets 5 $6.58 1 $1.73 $1.83 Wage advance 2 $0.43 1 $0 $28.85 Business loan 1 $956.60 3 $1,009.68 $26.54 Supplier credit 1 $0 1 N/A $12.98 Tanzania Borrowing from friends and family 77 $4.53 2 $11.56 $11.20 Borrowing from informal group 67 $10.74 6 $15.74 $7.83 Credit at a store 62 $2.00 4 $4.47 $7.31 Agent credit 14 $12.44 1 $41.35 $71.87 Act as money guard 13 $0.09 3 $18.67 $18.58 Supplier credit 8 $7.95 2 $13.78 $5.55 Moneylender 6 $43.42 2 $125.77 $15.51 Hire purchase 3 $0 2 $8.70 $0.00 Business loan 1 $12.92 2 $26.36 $13.18 Tafu airtime credit 1 $0 4 $0.39 $0.39 Pakistan Borrowing from friends and family 99 $74.08 2 $80.67 $97.14 Agent credit 97 $106.98 9 $49.43 $199.19 Credit at a store 94 $22.87 14 $5.99 $36.98 Joint liability loan 27 $122.16 2 $252.80 $259.05 Business loan 16 $1,244.98 2 $939.74 $262.38 Hire purchase 14 $90.88 4 $176.53 $56.57 Loan from employer 7 $88.35 3 $64.76 $57.92 Pawning assets 6 $71.71 2 $351.39 $100.40 Moneylender 5 $140.56 1 $200.79 $150.59 Wage advance 5 $97.05 4 $82.83 $50.20 Supplier credit 3 $29.72 6 $26.40 $31.43 Act as money guard 2 $107.93 22 $4.17 $28.79