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Divine Economics Survey-2013 Survey Manual

“The Role of Values, Social Capital and Spiritual Capital in Normal and Post-disaster Economic Behaviours:

An Empirical Extension of Divine Economics Framework

in Sustainability Perspective”

Divine Economics Survey 2013

Worklife, Spiritual & Social Human Capital, Universal Values & Wellbeing Modules

Survey Manual

Dr. Syed Nisar Hussain Hamdani

KASHMIR INSTITUTE OF ECONOMICS UAJK -2015

Divine Economics Project

Assisted byHigher Education Commission

March 2015

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Divine Economics Survey-2013 Survey Manual

Kashmir Institute of EconomicsUniversity of Azad Jammu & Kashmir

Muzaffarabad, AJK, Pakistan

ACKNOWLEDGEMENT

This inter-disciplinary study on the role of values, social capital, spiritual capital, and other aspects usually neglected by the mainstream economics. This is carried out by using ‘mixed method’ research for collecting and analyzing the data on these aspects obtained through survey tool. The data were collected through field surveys, in-depth interviews and focus group discussions. Multi-disciplinary scholars within the country and abroad (UK, USA, Iran and Saudi Arabia) provided their technical support at various stages of research. Particularly, the cooperation given by the scholars of PIDE, Quaid-i-Azam University, International Islamic University, Federal Bureau of Statistics and a number of other national institutions is highly appreciated. The technical comments from Harvard University USA, Al-Mustafa Internal University, Qom, Iran and some scholars from UK were of extreme importance in this research. Since 1999, a very valuable technical support has been available from Dr. Mahmood Khalid and Dr. Usman Mustafa [PIDE]. In recent years, Dr. Anwar Shah [QAU], Dr. Karim Khan [PIDE], Dr. Miraj [UAJK], Dr. Abdul Sattar [PBS], has helped raising the technical quality of faith-based research in economics. Syed Ali Abidi as Data Manager assisted in data management, survey manual and code book preparation on the technical guidelines from Dr. Abdul Sattar. Majid Shah [PIDE] helped in setting up the field plan and monitoring the survey quality; Mr. Muhammad Tayyab, Mr. Ashar Awan, Mr. Asim Shamim, Ms. Rashida Siddique, Ms. Atiqua Naqvi Ms. Maria Siddique, Mr. Attiq Farrukh and other played important role in field survey; all of them deserve thanks. The support provided by the officials of Academics Division, Higher Education Commission [HEC] Mr. Fida Hussain, Dr. Tahir Ali Shah, Ms. Ghayur Fatima and others is highly appreciated. Those worked, admired, encouraged and greeted off and on but their names are not mentioned here, deserve sincere thanks for ever.

Dr. Syed Nisar Hussain HamdaniPrincipal InvestigatorDivine Economics Project, UAJK

KASHMIR INSTITUTE OF ECONOMICS UAJK -2015

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Divine Economics Survey-2013 Survey Manual

INTRODUCTION

Higher Education Commission of Pakistan approved a research for the Institute of Economics, University of Azad Jammu and Kashmir, Muzaffarabad to conduct research in inter-relationships among values, religiosity, spirituality and economics behaviors using the Divine Economics Framework. These pages provide information about the survey instruments used in this research.

The first survey of the Series 'Divine Economics Survey' was conducted in the year 2000 through Department of Economics, Quaid-i-Azam University Islamabad. Afterwards, a number of surveys were conducted about the role of religiosity, spirituality and ethics in economics. The Department of Labor and Work life of Harvard University also assisted a survey in 2006 about the role of religiosity in economic rehabilitation after the earthquake of October 2005. Its report is available at Harvard University website1 and was also published by the University of Azad Jammu & Kashmir in 2007. In the year 2008 this survey was conducted in various cities if the world as case studies. This helped to determine economic and spiritual similarities among various religions. The work was expanded further and in June 2009, a survey was conducted in Pakistan to explore further development of analytical economics with respect to Spirituality and Spiritual Human Capital, jointly by Kashmir Institute of Economics and Pakistan’s distinguished organization Pakistan Institute of Development Economics. Afterwards, some changes were made in the questionnaire and additional sub-modules were added. The revised questionnaire is is used in 2013 survey round that more focuses on Moral and Universal Values. The data acquired through this questionnaire will fill the gaps that impeded the thesis requirements of the researchers and students and the pursuit to conduct further research on different aspects of Economics and Religiosity interrelationships.

Objectives of the ManualThis manual is prepared to serve as a basic reference guide for the field team

members/enumerators, data analysts, M. Phil/PhD scholars using this data-set and potential other researchers who would be extending Divine Economics in future. The objective of the manual is to facilitate a standardized data collection and survey process. This manual provides: Brief definitions of the concepts and terms used in the questionnaires. Explanation of relatively questions which are relatively less frequently used in economic

surveys

1 www.law.harvard.edu/programs/lwp/people/.../papers/Nisar's_Book.pdf

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Divine Economics Survey-2013 Survey Manual

Survey ModulesTo meet the diverse data requirements of the project, many modules were developed, tested and administered for data collection. These include;

1. Main Module2. Extended Module3. Specific Modules

a. Ethics and Worker’s Performance (a. Teacher’s performance b. Enterprise)b. Religiosity and Time Allocationc. Wellbeing and Time Allocation Patternsd. Religiosity and Consumptione. Disaster Perceptions and Preparedness Module

The Main Module contained questions about Worklife, Spirituality, Ethical values, Wellbeing, Willingness to pay; the Extended Module covering deeper aspects of Worklife, Spirituality, Sleep Poverty, Water; and, the 'specific modules' aimed at collecting topic-specific information using a sub-sample or a smaller separate sample. Sampling Technique for Main Module -Divine Economics Survey 2013Area and Zones: Using multi-stage, stratified random sampling techniques, for the present research project on Divine Economics, assisted by Higher Education Commission of Pakistan, we have drawn sample size on the basis of population ratio of each district. The total population of Azad Jammu and Kashmir is 1.5 million (according to the census of 1998). We have selected 5 districts for our sample out of 10 districts. The districts which we selected are having nearly same topology and environment. On the basis of different topology, environment and geographical location, Azad Kashmir can easily be divided into two zones. In zone one, we have Muzaffarabad, Hattian, Bagh, Poonch and Sudhnoti. Neelum valley which is adjacent to Muzaffarbad has very different environment, and this difference is mainly because of two reasons; it remains disconnected from other areas for many months due to heavy snow fall, still Neelum valley has no electricity and telecommunication in most of its parts. So we decided to not include Neelum valley in our sample of zone one of Azad Jammu and Kashmir. The other four districts (Mirpur, Kotli, Bhimber and Haveli) have different topology and environment. So, we finally decided to limit our sample to the five districts in zone one.

Sample Size: Gross FinalMain Module 1000 - 851Extended Module 400 - 385Specific Modules 600 - 433 [120+120+110+83+120]

TOTAL 2000 - 1789

Future surveys should not necessarily follow this sampling design and may adopt any alternative strategy as appropriate to meet the objective of respective researches.

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The description of different modules and corresponding information is given below;

Sampling of Main Survey Module: We have calculated population proportion for each district of Azad Jammu and Kashmir in our sample size of 1000 households. Then the desired number of sample for all respective districts is drawn on the basis of population proportion.

The following table shows the population proportion and respective samples size required from each district. The minor difference in required and actual sample size from each district is due to cleaning of data and discarding few questionnaires.

Table 1.1 District wise sample size distribution of 'Main Survey'District Population n1 n2 n3Muzaffarabad 0.454 295 251 327Hattian 0.166 108 92 104Poonch 0.411 267 228 116Bagh 0.282 183 156 82Sudhnoti 0.224 146 124 222Total 1.537 1000 851 851

Note: n1 is suitable sample size for n = 1000 n2 is suitable sample size for n = 851 n3 is actual sample size for each district in our sample.

The sample size for district Poonch is less than the required sample size on the basis of population proportion. The reason is harsh weather and inaccessible road/infrastructure system. The survey was conducted in winter season; the sample size collected is less than the required sample size.

Sampling of Extended and Specific Modules: The sampling details of extended and specific modules is given separately along with different studies conducted as Master’s, M. Phil or PhD research.The Survey InstrumentsKeeping in view the study requirements, a number of instruments were used which included a Main Questionnaire, the Extended Questionnaire, the topic specific Questionnaires, the Interview Schedule, FGD Checklists and a separate online survey questionnaire. A comprehensive set of questionnaires was developed with the help of scholars and researchers for Divine Economic Survey 2012 and 2013. This questionnaire has a main module for overall analysis, an extended module and different sub-modules for deeper analyses on specific topics explored by M. Phil and PhD scholars. These sub-modules include

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consumption pattern, saving pattern, time allocation pattern, income, demography, work life, water usage, religiosity, spirituality, ethics and social capital etc. Almost all the instruments are available at our official website and the readers are encouraged to visit website for viewing them directly in addition to the manual in hand. The different survey instruments are elaborated separately, however, the Main Questionnaire is explained in this manual.

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The first section of the questionnaire is about the general information.

Section GI: General InformationEnumerators will first write the name of interviewer followed by date and time of interview in the given spaces. The questions from G101 to G108 are containing the general information which enumerator will fill himself. After building rapport, respondent will be asked to tell name and additional identification or address and contact number. In case respondent is hesitant to provide any contact number then the enumerator shall not insist unless he builds trust towards the end of the interview.

HH101: Family sizeHH102: This is a household information roaster with 14 columns. Columns 1 to 8 seek information from the persons of age 15 years and above.

Column 1: Names of HH: The column 1 contains the name of the household members. Household definition “those usually live and eat in the same house” has been used. Members are included servants, relatives, friends and non-relatives who usually live and eat in the house. Those household members, who usually live in other cities for some job, or lives in hostels for education, are not considered as household members. In this column the first row must contain the name of household head and second row contain the spouse name, unmarried family members recorded before the married but from the third row.

Column 2: Relation with the Household head: The second column record the relationship of the members of HH with HH head. Head of household is the person who has been declared by the family members as head of the household. The codes are use here and are as follows; 1. HH head [self] 2. Husband/wife 3. Children 4. Grandson/daughter 5. Nephew/niece 6. Father/mother 7. Brother/sister 8. Son/daughter in law 9. Brother/sister in law 10. Grandfather/mother 11. Father/mother in law 12. Servant 13. Tenant 14. Other

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Section HI Household Information

The Main Questionnaire Sections, Questions and elaborations

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Column 3: Gender: it is coded as 1 for male and 2 for female.

Column 4: Age: Age will be written in completed years. For example, someone who is 52 years and 10 months old is 52 (completed) years old. If the respondent is uncertain about his/her age or does not know it, then write from CNIC. If CNIC or other evidence is not available then enumerator will mentiona about some historical event like emergence of Pakistan 1947, war, flood, earthquake, etc. and shall ask the age of respondent at that time.

Column 5:Marital Status: There are four codes to answer the question; Unmarried=1, Married=2, Divorced=3 and widowed=4. Married males or females, who have been married and have started living as husband and wife are coded as married. Separated persons (married but not living together due to disputes) will also be included in this category. Unmarried males and females who not been married ever are included in this category and also those have solemnized engagement or Nikkah but Rukhsati has not been taken place are also included in this category. Widowed/Divorced: Married person (male or female) whose spouse (husband or wife) is dead and who has not married again will be included in this category. Also divorced males or females who were married and decided to separate from each other and were divorced as per conditions of law and religion and did not marry again will be included here.

Column 6: General Education : Education should be written in completed years of education. But here we have allotted codes as follows; 1. Illiterate 2. Less than primary 3.Primary 4.Middle 5. Matric 5.1. Matric+PTC 6. F.A 6.1. FA+CT 7. B.A 7.1. B.A+B.Ed 8.M.A Professional degree 8.1. M.A/M.Ed 9. M.Phil 10. Ph.D 11- other

Column 7: Religious Education: Religious education codes used as 0. Illiterate 1. Nazira 2.Hifz 3. Saniwiya ama 4. Sanwiya khasa 5.Darja aliya 6- Shahdat al-almiya 7. Adeeb Arabic 8. Alim Arabic 9.Fazil Arabic 10. Qari 11. Dars Nizami 12. Mufti 13. Other

Column 8: Health:Health of all the HH members will be written in the column. The four codes used as 1. Not good 2. Somewhat good 3. Mixed 4. Good5. Very good

Column 9: Basic Income: The income from the main job of the respondents and household members who are employed is to be written here.

Column 10: Part time income: The HH members who are working part time, their incomes should be written here.

Column 11: Religious Affiliation: Affiliation of the HH members towards religion/religious activities is captured here using the codes 1. Low 2. Moderate3. More

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Column 12: Time taken for psychosocial recovery after the earthquake:1. a month 2. Two to 4 years 3. Not yet 4. Not applicable

Column 13: Trend in Contact with relatives and friend: Attraction towards family/relatives and friends is asked here using the codes. 1. Little 2. Moderate 3. More

Column 14: Inclination towards Dua [Praying to God] and Tawakal [Trust in Allah Almighty]: has been captured by using the codes 1. Little 2. Moderate 3. More

HH103: In this question respondent is asked about his relative status in household; a) his/her level of responsibility both in Social (marriage decisions and other family issues, community decision making) and b) Economic decisions (home expenses, investment decisions etc). The answers choices are 1. None 2. Somewhat 3. More 4. Fully responsible in household decision making.HH 104: is asked about the number of Disabled persons in the house.HH 105: is about the type of present residence of the respondent and options are 1- Village 2- Town 3- CityHH 109: The question asked that whether [after 8 years] the respondent is still afraid of the aftershocks after the earthquake 2005 and the options are given as1. Reduced 2-No change 3-IncreasedHH 110: is asked about the most important problem in surrounding of the respondent and only one is to be selected from the given options1- Poverty and unemployment 2.Lack of facilities 3- Environmental degradation

4. Lack of clean water 5- Future apprehensions 6- Other

WL 101: views about the type of job/occupation in which the respondent is engaged and below options are provided 1. Government service 2. Private Service 3.Private business/firm/farm 4. Imam in mosque/Qari 5. Daily wager 6. Pensioner 7. Tutor/Electrician/sweeper 8. Occasional worker (like engaged occasionally on small wages) 9. NGO 10. Other

WL 103: asked for the age of respondent at the time of his first job. The answer is to be provided in year (i.e. 22, 25, 34, 38 etc)

WL 104: is a query about the duration of respondent present service or job in Years and Months.WL 108: provide a comparison of the respondent to his colleagues in doing hard work. The options are 1- Too little 2- little 3- equal 4- more 5- much more

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Section WL Work Life: This section is about the work life of the respondent.

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WL 109: ask the level of satisfaction of the respondent from the present job. The choices are 1. Much dissatisfied 2.dissatisfied 3. Mixed 4.Satisfied 5.Much satisfied

WL 114: ask for the opinion of respondent about the best approach to improve performance of subordinates in office/business and approaches are as

1- Improved external observance(Example CCTV, presence of supervisor etc)2- Workers’ personal or moral value change (religious/spiritual development etc)3- Other ……………………………..

FI 101: Sources of the income: Different means of income of the respondent household is asked [Average Income of the Household] from Main job/ services, Business, Part time/occasional/seasonal like consultancy, commission etc. Income from Shares, Stock market, Property, Agriculture, Income gained from foreign sources and any other income on monthly and annual basis. First three are asked monthly and the latter in annually.

FI 102: Respondent is asked the total level of income for living a standardized and satisfied life.FI102B: asked about the total price of the goods and services that is earned by the respondent freely or in the form of gift.

EX 101: is about the average expenditure on the following components of HH needsReligious Purpose: includes the Obligatory expense like Zakat [Zakat is mandatory for all Muslims, on their income and wealth above a minimum amount called nisab], Khmus [Khums is a 20% tax that must be paid on all items regarded as ghanima] and Fitrah [money which is obligatory for a Muslim to be given to the needy before eid-ul fitar], secondly, Non- obligatory expense [like Qurbani (scarifying of animal on the eve of Islamic eid), Sadqa (charity), Khiyrat(charity), Nazar (charity for staying safe from jealous eye or for fulfilment of some purpose)], thirdly Children’s religious expenses (monthly fees paid to Qari; who teaches Holy Quran) and last Givings to religious organization or committee contribution and Expenses on Religious functions (Milad [annual celebration of the prophet Mohammad’s birthday], majlis [religious event to listen talks of religious scholars], naat[a poetry that specifically praises the Islamic prophet Muhammad, Peace be upon him and his progeny], noha [ is a genre of Arabic, Persian, Saraiky or Urdu prose about the martyrdom of the Holy grandson of Prophet Mohammad along with 72 companions in the

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Section FI Financial Information: The section contains information on the sources of income.

Section EX Expenditure: Incorporates all the expense that are made by the household and respondent on religious,

economic, social and personal purpose.

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desert of Karbala or tragedy of other infallible Imams (perhaps Tombeau can be a similar example); mehfi-e-lzikr [a musical or rhythmic composition for remembrance of God].

Economic purpose: includes expenses on rent of the house, Kitchen expenses [estimated], Transportation, Mobile use, Utility bills (Gas, electricity, water, landline telephone), Educational expenses(Books/fees/Uniform/functions) on monthly basis and Taxes paid during the last year on yearly base.

Social purpose: All expense on Social function, Expenses to help others occasionally and Regular Contributions to social/welfare organization on yearly basis.

Personal purpose: All expense on makeup/shaving materials, Pays and other financial help given to HH servants, Health expenses of HH members, Cigarette /tobacco/niswar etc on daily basis, Entertainment (tours, picnics, CDs, music etc), Clothing and shoes expense, House construction and repairs, Car/motor cycle purchase and repairs on yearly basis and Other monthly regular expenses of household.

EX102: Respondent feels no financial problems due to cooperation of his relatives and friends, choices are 1. Yes 2. No 3. Do not think about it

SV 101: Total savings through committee/bank balance/insurance/ bonds in rupees of respondent during last 12 months.

SV 106: Total debt payable by the respondent.

SV 107: The amount of loan given by respondent to others during last one year in rupees.

SV 108: How much was the amount of loan returned by you to others during last one year in rupees.

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Section SV Savings: The section contains information on savings of respondent.

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TA105A: Time allocation to a) Religion (Prayers/Quran/Meetings with religious and spiritual personalities/Religious programs on TV)b) Economic purpose, time for Business (work, dealings, travel, occupation at home)c) Social Time given to relatives/friend/welfare work/reading/family etc.d) Self-related (Shave; make up, exercise, games, sleep, rest, recreation, mobile contacts)

TA105B: Change in time allocation to the activities and options given as 1. Reduction in present time allocation 2. Increase in present time allocation 3. No change.

RL 101: Prayers [Fajar (Morning prayer), Zuhr (afternoon), Asar (late in noon), Maghreb (evening), Isha (night)] respondent tried to offer regularly during the last three months. The options given as 0. Never 1. Sometimes in a month 2. Sometimes in a week 3. Daily.

RL 103: is the religious activities subsection as some people have different religious beliefs/activities. Respondent is asked about the following during last 3 months and choices given as 1. Never, 2. Rare 3. Sometimes 4. Often 5. Always a) Offering late night prayer(Tahajjud)b) Non obligatory prayers (Nawafil) respondent offers besides ‘Tahajjud’.c) Reading Islamic literature of own school of thought d) Reading the books of religious thought that are opposite to his school of thoughts (books of other sects).e) Reading literature of other religionsf) Consultations with alike people on religious/spiritual activitiesg) First to greet other by ‘SALAM’h) Discussion about death, grave, judgment day, paradise and hell in every day of life.

RL 104: includes statements asked from respondent in general for measuring the level of religiosity of the respondent during the last 3months, how much respondent is agrees with the following statements? Options are 1. Strongly Agree 2. Agree 3. Impartial 4. Disagree 5. Strongly Disagree

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Section TA Time Allocation: This section investigates about the time allocation behavior of the respondent. This question has two parts A and B. A inquires about the present time allocation and B seeks for the desired change in the

present time allocation. The total time is 24 hours. Enumerator should remain conscious of total time 24 hours that respondent is not exceeding this limit.

Section RL Religiosity: It is also a fundamental module of the questionnaire and is a part of Divine Capital. This section

investigates about the level of religiosity an individual possesses within himself using Obligatory Prayer subsection and Religious Activities subsection.

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a) Respondent considers useless to listen sermons of other sects/religious school of thoughb) Respondent prefers to follow own religious thoughts/experiences instead of religious scholarsc) Respondent considers future planning unimportant because everything is predetermined by fated) Respondent considers redemption in afterlife by God’s mercy and not by deedse) The interest in religion should not lead to involvement of religion in each and every issue.

RL 105: Fasting other than Ramadan.

RL 108: Respondent brought up in which school of thought1. Sunni (Brelvi) 2.Sunni (Deobandi) 3. Shia 4. Ahle Hadith 5. Open minded (Do not believe in sects) 6-Other besides these will be mentioned by respondent.RL 109:Respondent’s current religious thoughts closer to which sect 1. Sunni (Brelvi)2. Sunni (Deobandi) 3. Shia 4. Ahle Hadith 5. Open minded (Do not believe in sects) 6.Other besides these.RL 110 Respondent’s father/guardian school of thought1. Sunni (Brelvi) 2- Sunni (Deobandi) 3. Shia 4. Ahle Hadith 5. Open minded (Do not believe in sects) 6-Other besides these.

RL 112: The question is about the respondent awareness of the injunctions about eating, living, socialization, etc and in every deeds about prohibited, abominable, neutral, desired, obligatory(makruh, mubah, mustahib, sunnah, farz or wajib) that respondent actually cares during the last three (3) months, the choices are as1. Never 2.Very little 3. More 4. Toomuch extent 5. Completely

RL 113: is about how far the respondent tries observing the following?a) Observe mandatory ritualsb) Avoiding the forbiddenc) Perform desirable deedd) Minimize undesirable deed

The choices are as 1. Not at all 2. Negligible 3. Sometimes 4. Often 5. Always 6. Not known

RL 118: inquires the respondent if he leaves his electric switches (bulb, fan etc) on, the choices are as1. Never 2. Rarely 3. Sometimes 4. Often5. Always

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SP 102: How far do respondent feel a change in his feeling, sentiments and spiritual experiences during last three (3) months?Spiritual experiencea) Feeling in dialogue with Allah [swt] means praying to or whispering with God].b) In some way (dream/sixth sense/intuition) you get awareness of the time of accidents or troubles c) In spite of your troubles and failures you always think that Allah’s blessings and help is with you.d) The unexpected disasters of the world lead to more inclination towards spirituality. The choices are 1. Never 2. Rarely 3. Sometimes 4. Often 5. Always

SP 103 How do you look at the future of the world?a) You expect that Allah’s favored ones will rule the world [favored ones implies, Jesus Christ and the awaited savior of mankind]b) You feel that the good persons from all religions and sects will join together under one umbrella [one umbrella we mean ISLAM]c) You believe that before the day of reckoning/judgment whole world will be under control of justice and equity.The choices are as1. Never thought 2. Very early 3. Early4. Late 5. Never

SP 104: Some people observe special prayers (Mustahib) besides mandatory prayers. In this question we asked respondent about the following options;a) Frequency of reciting salutation (Darood) to Prophet PBUHb) Do respondent practice some special words (example: Wadeefa, Tasbeeh, Dua, Verse)c) How many times respondent repent (tobah) for his misdeeds/ill actions or shortcoming?d) Frequency of thanking to God for His blessing onto him.f) How often respondent recite ‘There is no God, but Allah’ (first Kalma)?The choices are 1=Not at all 2=Sometimes a month 3=Sometimes a week 4=Many times a day 5=Every time

SP105:Number of reliable friends who can help respondent in his both good and bad time… (x)….SP 106:is related to SP105 as respondent told about [X] friends while answering. The question explores the reason of friendship with respondenta) Business/office/work relationship b) Religious harmony c) Spiritual harmony d) Relatives/social harmony

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Section SP Spirituality: The section inquires about the level of spirituality in the respondent. Spirituality is one of the

four components of Divine Capital.

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SC 101: Trust is an economic variable as well as an element of social capital. The question inquires about the level of trust by asking the opinion of respondent that is, Can people be trusted? The choices are as follows1. No 2. Very little 3. To some extent 4. Too much extent 5. Completely

SC 102: The question asked about the level of belief on the people for giving them loan. It is asked as, 'Do respondent think that in his town people trust each other generally to give loan?' The answer options are as follows1. No 2. Very little 3. To some extent 4. Too much extent 5. Completely

SC 103 To what extent you trust your national institutions like Court/Police/Administration?1. No 2. Very little 3. To some extent 4. Too much extent 5. Completely

SC 107: In respondent’s opinion, to what extent respondent share happiness and grief with people around you?a) Try to reach any way when hear of sudden worry (accident, severe illness or death) of relatives/friendsb) When there is some happy moment (Success, promotion or other happy occasion) and people gatherThe choices are1. Never 2. Rarely 3. At leisurely 4. In any case immediately

SC 108: In respondent’s opinion, what is the best action for sanitation, development or stability of the organization/cities? The choices are

1. Promotion of religious, spiritual and universal values 2. Promotion of educational, scientific and modern knowledge 3. Never thought

SC 109: In respondent’s opinion, what is the effective way to protect water, environment and air from pollution? The answer options are as;

1. Promotion of religious, spiritual and universal values 2. Promotion of educational, scientific and modern knowledge 3. Never thought

SC 110: investigates that respondent is an active worker in any of the following organizations.1. Social/welfare/cultural 2. Education/development/philosophy 3. Religious/spiritual

4. Local/regional 5. Other 6. No membership

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Section SCSocial Capital: The section is also an important component in the questionnaire. Like human capital,

physical capital, social capital is also another form of capital i.e. trust on others, cooperation, sharing of happiness and grief with others etc.

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Divine Economics Survey-2013 Survey Manual

EV 101: The question explore that how much the respondent depicts ethical behavior by asking the following questions. The answer choices are; 1. Never 2. Rare 3. Sometimes 4. Often 5. Always, keeping in mind last three months.a) Respondent performs his colleague tasks voluntarily when neededb) Ask respondent that if he made a mistake while working with the people and instead of hiding it do he accept his mistake and regretted?c) When others were not working well do you advise them to work well?d) If your friends committed mistakes that could harm you and you were resented, how many times did you pardon?e) How many times did you prefer to work collectively rather than working alone?f) How many times did you try to pray before taking meals and after meals?g) Is some extra food prepared in your house with the intention to feed some deserving/poor person?

SS 101 Level of satisfaction of respondent from the following, and choices are; 1. Completely unsatisfied 2. Unsatisfied 3. Mixed 4. Satisfied 5. Completely satisfiedSatisfaction from Religious sourcesa) Due to religious and spiritual inclinations/activities of your near relatives and friendsb) Your regularity of daily prayers (Namaz)Satisfaction from Economic conditionsc) Present house and surroundingsd) Accomplishment of work satisfactorilye) The quality of drinking waterf) Own capabilities/skills and professional performanceg) Present grade/service/job conditions (work status)h) Means of transportationi) Purity and freshness of foodj) Present financial status (quantity)k) Household tidiness and disciplinel) Better relationship with friends/colleagues and relativesSatisfaction from Social activitiesm) Importance of your own views/opinions and acceptance among people

KASHMIR INSTITUTE OF ECONOMICS UAJK -2015

Section EVUniversal Ethical Values: This section contains the questions on different universal values to identify the

level of morality in respondent.

Section SS Self-Satisfaction: In this section, the level of satisfaction is measured through self-reporting of respondents.

This section is used for developing a wellbeing index.

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n) Sympathy with inmates of the householdo) Social relationsp) Harmony among members of the householdSatisfaction from Personal activitiesq) Sleep and leisure r) Taste and quality of every day foods) Your own healtht) Self-confidence u) Due to self-memory v) Present educational achievements w) Attainment of aims/goals and objectives of life

DS 102: If respondent is disgusted with words or actions of someone what is his reaction. 1- You feel annoyed yet don’t express anger. [This states that he does not take any

action against the person but feels angry].2- Usually express anger in words. [This states that he may use harsh words or use

slangs for the person].3- You express your wrath with words and actions (express barely). This states that

respondent uses harsh words or may show physical gestures of wrath].

DS 103: The question explores that how many times respondent was angry due to different reasons or actions of others during last 15 days. Answer is in number.

DS 104: The question is related with DS103 that the anger of the respondent was due to the organization/country/religion/some principle or any other issues relating to 'other-than-self'. This measures the universal value 'courage'. Here, courage is not like bravery but 'to stand for principles even when it makes life difficult. The answer is in number.

SL 112 To what extent the following activities affect respondents sleep, the choices are as 1. Never 2. Rare 3. Sometimes 4. Often 5. Alwaysa) Service/Home tasks / Other occupationsb) Environment (Load shedding, noise etc)c) Health problems/Accidents/Depression

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Section DS Dis-Satisfaction/Frustration: This section measures the level of dissatisfaction of respondent by asking

questions relating to important sources of dis-satisfaction. This data can be used to construct negative wellbeing index.

Section SL Sleep: This section is a part of wellbeing module and it asks about the level of sleep, quality, time and other

related aspects of sleep.

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d) Un-invited/un-scheduled arrival of guests/social ceremonies [which have to be attended due to social pressure and not by own choice]e) Religious ceremonies/function/Spiritual programs

WT 113: The question represents the level of satisfaction of respondent by directly asking him, if he is not satisfied with the system; the reasons for dissatisfaction is also asked, i.e. Are you satisfied with the present water system?1- No 2- YesIf not why1. No system 2- Polluted water 3- Erratic supply 4- Less availability 5. Departmental poor performance 6. Other

WT 114: The question invites opinion of the respondent that why he is seeking change in the present drinking water system. Its answer choices are;1. Better hygiene 2. Better facility 3. Women veil 4. Low water cost 5. Others

WT 118: The question investigates about the willingness of the respondent to pay for getting a better and nourishing water availability monthly in Rupees i.e. how much he is willing to pay for improved water system.

WT 120: Respondent is asked about the effective source to create awareness the people about better standard and management of water, the answer options are;1. Electronic media 2. Print media 3. Mosque/Madrasah 4. Local NGOs 5. Educational institution 6. Others

WT 121: How do you use water for ablution?. The answer choices here are; 1- In a vessel/pot 2. Directly from tap. If the respondent belongs to Sunnite School of Islamic Thoughts, he shall use water for washing hands/arms, face and feet [it is obligatory] whereas a Shiite may or may not use water for washing feet [not obligatory. Regardless of this difference, one behavior is common on both sides; some people take water in a pot for ablution and others use tap water. Usually a lot of water seems to be wasted by using tap-water which constantly flows during the act of ablution [and is religiously undesirable or 'Makrooh' ]. The more religious people are likely to waste less water.

WT 122: Do you keep water-tap open when you perform ablution? 1. Yes 2- No. This is sub-question of WT 121. It can be independently used in analysis by select case option in SPSS.

KASHMIR INSTITUTE OF ECONOMICS UAJK -2015

Section WTWater: In this section, respondent's willingness to pay for clean water is investigated in order to correlate it with other economic factors as well as newly defined Divine Capital components e.g. religiosity, spirituality,

ethics and reinforcement.

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WT 123: is a general question to know the interest of the respondent in future programs, publications and the research in Divine Economics? 1- Yes 2- No. In case of 'Yes', respondent provides contact IDs and this can be used by researcher team later for developing panel data or conducting case studies. Building such type of respondents' bank is very useful for the innovative and sensitive research initiatives.

The following Faculty Members, PhD/M. Phil Scholars, M. Sc. Students and experts contributed in Divine Economics 2013.

Name of Team Member Status RESPONSIBILITY

MAIN TEAMDr. Syed Nisar Hussain Hamdani Professor & Director KIE Principal InvestigatorDr. Miraj-ul-Haq Assistant Professor Eco. KIE AnalystDr. Karim Khan Assistant Prof. Eco, PIDE Senior Research

Fellow[Postdoc]Dr. Anwar Shah Assistant Prof. Eco, QAU Senior Research

Fellow[Postdoc]Dr. Mohammad Tayyab PhD Economics, PIDE Research FellowMs. Fozia Munir PhD Scholar KIE Co-PIMr. Ashar Awan M. Phil Scholar KIE Research Associate

Resource PersonsDr. Abdul Sattar Training Incharge, Federal Bureau

of StatisticsSampling

Syed Majid Shah Research Economist, Pakistan Institute of Development Economics, Islamabad

Survey Training, Field Monitoring

Syed Ali Abidi M. Sc., KIE Data Manager

Other contributers Rashida Saddique

M. Phil Scholar KIE Research Associate

Asim Shamim M. Phil Scholar KIE Admin/Logistic AssistantMuhammad Attique Farrukh M. Phil Scholar KIE Team SupervisorSyeda Attiqa Naqvi M. Phil Scholar KIE FGD Facilitator Asma Hanif Lecturer KIE EnumeratorTooba Pervaiz Banday M. Phil Scholar KIE EnumeratorMohammad Naveed M. Sc. 5th Semester, KIE Data Entry Operator,

Enumerator

KASHMIR INSTITUTE OF ECONOMICS UAJK -2015

Divine Economics Survey-2013 Team

For full Questionnaires, contact the office or visit our website: www.divine-economics.org

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Divine Economics Survey-2013 Survey Manual

Ishfaq Banday Mphil Scholar Enumerator, EditorSeema Amin Mphil Scholar EnumeratorMaryam Tahir Banday Mphil Scholar EnumeratorMisbah Hameed Qureshi Mphil Scholar EnumeratorShahid Qudoos Mphil Scholar EnumeratorWaqas Younis Mphil Scholar Enumerator

TECHNICAL CONTRIBUTION:Prof. Ikram Rasheed Chairman Deptt of Islamic Studies

UAJKAbdul Shakoor Mehravi District Sharia Judge, AJKMatloob Mohammadi Al-Mustafa Int. University QomSyed Saqib Hussain Al-Mustafa Int. University QomMudassar Fida Gardezi Chairman Law Deptt. UAJK

Mir Adnan Rehman Lecturer Law, UAJKMufti Kafayat Hussain Naqvi Member, Islamic Ideological

Council, PakistanIrtiza Rizvi Principal, Fatmiyah College,

MuzaffarabadAli Raza Al-Mustafa University, Qum, Iran

KASHMIR INSTITUTE OF ECONOMICS UAJK -2015

Further Contact:Dr. Syed Nisar Hussain Hamdani

Professor of Economics and DirectorKashmir Institute of Economics, University of AJ&K, Muzaffarabad [Pakistan]Phone: 0092-5822-960489, Fax: 0092-5822-960489, Cel l: 0092-322-9306972

Email : [email protected], www.divine-economics.org or www.ajku.edu.pk

You are welcome toseek details about

the survey questions, answers, technical issues, field experiences, team dynamicsand other aspects of faith based framework Divine Economics including its data-sets.

We also encourage individual and institutional collaborations.

A limited research grants are also available from time to time.

The Divine Economics is a paradigmtowards a global economy with justice, peace and wellbeing driven by human excellence.