India - Housing Condition and Migration Survey: NSS 49th Round, Schedule 1.2, January - June 1993 

For each construction, the amount spend in actual money terms during the reference period will be recorded in the relevant columns by the sources from where the money was obtained. Eight different sources are already listed and the amount obtained from each source for the construction will be recorded against the different source in whole number of rupees. As item 9 refers to only cash expenditure, the amount recorded against item 9(j) need not agree with the total cost of construction recorded against item 8. While recording the entries against the different sources of finance the following may be kept in mind.
( i ) The amount to be recorded against `own source` relates to the savings of the different members of the household for whom the construction has been undertaken and other resources which are not through borrowings, say, gift (cash) etc.
( ii ) Amount spent on construction out of the borrowings from co-operative society, co-operative bank etc. will be recorded against `co-operative`.
( iii ) All institutions ( excluding co-operative societies, co-operative banks etc. ) primarily engaged in banking and financing activities, insurance services etc. will be treated as `financial institutions`. Those run by the government, local bodies etc. will be considered as `government financial institutions` and those run by private agencies will be treated as `non-government financial institutions`.
( iv ) Persons who lend money on interest will be considered as money-lenders.
( v ) Friends and relatives in this particular context are those who lend money free of interest. A friend or relative who charges interest for any loan advanced will be regarded as a money lender.
( vi ) In case of final withdrawal from provident fund, for construction, it will be considered as taken from own source, but if money is taken as a loan from provident fund which is to be repaid, it should be considered as borrowing from government or non-government non-financial institution depending on the status of the employer.