# Global Findex 2025 Microdata Cleaning # For the code used to output this data see our reproducibility package: https://reproducibility.worldbank.org/index.php/catalog/299 # All variables used to create the constructed variables are created there micro <- TS %>% filter(i24 == 1) %>% # Filter for observations from 2024 round of the Global Findex Survey # Keeping relevant variables: transmute(year, economy = countrynewwb, economycode = country_iso3, regionwb = regionwb24_hi, pop_adult = pop_adult_l1, wpid_random, wgt, # DEMOGRAPHICS female = case_when(women == 1 ~ 1, men == 1 ~ 2, TRUE ~ NA), age = agenumber, educ = case_when(wp3117 == 1 ~ 1, wp3117 == 2 ~ 2, wp3117 == 3 ~ 3, TRUE ~ NA), inc_q = income_5, emp_in = case_when(lf_in == 1 ~ 1, lf_out == 1 ~ 2, TRUE ~ NA), urbanicity = case_when(rural == 1 ~ 1, urban == 1 ~ 2, TRUE ~ NA), # CONSTRUCTED GLOBAL FINDEX 2025 VARIABLES account_fin = acc24fin, account_mob = acc24mob, account = acc24any, dig_account = fin_dig_acc, borrowed = ts_anyborrowing, saved = ts_anysavings, receive_wages = case_when(ts_wg_dig == 1 ~ 1, # receive wages into an account, card, or mobile phone ts_wg_cashonly == 1 ~ 2, # receive wages in cash only ts_wg_any == 1 & ts_wg_dig == 0 & ts_wg_cashonly == 0 ~ 3, # receive wages in other ways wp19507_r == 2 ~ 4, # did not receive any wages wp19507_r %in% c(3,4) ~ 5, # DK/ref TRUE ~ NA), receive_transfers = case_when(ts_gt_dig == 1 ~ 1, # received government transfers into an account, card, or mobile phone ts_gt_cashonly == 1 ~ 2, # received government transfers in cash only ts_gt_any == 1 & ts_gt_dig == 0 & ts_gt_cashonly == 0 ~ 3, # received government transfers in other ways wp21386 == 2 ~ 4, # did not receive government transfers wp21386 %in% c(3,4) ~ 5, # DK/ref TRUE ~ NA), receive_pensions = case_when(ts_pension_dig == 1 ~ 1, # received a public sector pension into an account, card, or mobile phone ts_pension_cashonly == 1 ~ 2, # received a public sector pension in cash only ts_pension_any == 1 & ts_pension_dig == 0 & ts_pension_cashonly == 0 ~ 3, # received a public sector pension in some other way wp19515 == 2 ~ 4, # did not receive a public sector pension wp19515 %in% c(3,4) ~ 5, # DK/ref TRUE ~ NA), receive_agriculture = case_when(ts_agpay_dig == 1 ~ 1, # received an agricultural payment using an account, mobile phone, or card ts_agpay_cashonly == 1 ~ 2, # received an agricultural payment in cash only ts_agpay_any == 1 & ts_agpay_dig == 0 & ts_agpay_cashonly == 0 ~ 3, # received an agricultural payment in some other way wp19522 == 2 ~ 4, # did not receive an agricultural payment wp19522 %in% c(3,4) ~ 5, # DK/ref TRUE ~ NA), merchantpay_dig = ts_merpaydig_acc, pay_utilities = case_when(ts_util_dig == 1 ~ 1, # made a utility payment using an account or mobile phone ts_util_cashonly == 1 ~ 2, # made a utility payment using cash only ts_util_any == 1 & ts_util_dig == 0 & ts_util_cashonly == 0 ~ 3, # made a utility payment in some other way wp14940 == 2 ~ 4, # did not make a utility payment wp14940 %in% c(3,4) ~ 5, # DK/ref TRUE ~ NA), domestic_remittances = case_when(fin_SRrem_dig == 1 ~ 1, # sent or received a domestic remittance using an account or phone fin_SRrem == 1 & fin_SRrem_dig == 0 ~ 2, # sent or received a domestic remittance not using an account or phone wp19494_r == 2 & wp24018 == 2 ~ 3, # did not send or receive a domestic remittance findex_q != 5 & !wp19494_r %in% c(1,2) & !wp24018 %in% c(1,2) ~ 4, # DK/ref, questionnaire identifier added so certain economies not asked will not be coded as 0 when it should be missing TRUE ~ NA), anydigpayment = ts_digpay_imputed, # FINDEX VARIABLES fin2 = wp14888_r, fin3 = wp23973, fin4 = wp23974, fin5 = wp23975, fin6 = wp23976, fin7 = wp19477_r, fin8 = wp21360_r, fin9a = wp23977, fin9b = wp23978, fin10 = wp14891_r, # ONLY ASKED OF PEOPLE WHO DON'T HAVE FI ACCOUNTS - CASE STUDY ADDITIONS ARE CODED AS NA fin11_0 = case_when(acc24fin == 1 ~ NA, TRUE ~ wp15153_r), fin11_1 = case_when(acc24fin == 1 ~ NA, TRUE ~ wp23979), fin11_2 = case_when(acc24fin == 1 ~ NA, TRUE ~ wp21361_r), fin11a = case_when(acc24fin == 1 ~ NA, TRUE ~ wp14894_r), fin11b = case_when(acc24fin == 1 ~ NA, TRUE ~ wp14895_r), fin11c = case_when(acc24fin == 1 ~ NA, TRUE ~ wp21362_r), fin11d = case_when(acc24fin == 1 ~ NA, TRUE ~ wp14898_r), fin11e = case_when(acc24fin == 1 ~ NA, TRUE ~ wp14900_r), fin11f = case_when(acc24fin == 1 ~ NA, TRUE ~ wp14897_r), # ONLY ASKED OF PEOPLE WITH MOBILE MONEY ACCOUNTS fin13_1 = case_when(acc24mob == 1 ~ wp23980, TRUE ~ NA), fin13a = case_when(acc24mob == 1 ~ wp23981, TRUE ~ NA), fin13b = case_when(acc24mob == 1 ~ wp23982, TRUE ~ NA), fin13c = case_when(acc24mob == 1 ~ wp23983, TRUE ~ NA), fin13d = case_when(acc24mob == 1 ~ wp23984, TRUE ~ NA), fin13e = case_when(acc24mob == 1 ~ wp23985, TRUE ~ NA), fin13f = case_when(acc24mob == 1 ~ wp23986, TRUE ~ NA), fin13f_1 = case_when(acc24mob == 1 ~ wp23987, TRUE ~ NA), # ONLY ASKED OF PEOPLE WITHOUT MOBILE MONEY ACCOUNTS fin14a = case_when(acc24mob == 1 ~ NA, TRUE ~ wp21418_r), fin14b = case_when(acc24mob == 1 ~ NA, TRUE ~ wp21419_r), fin14c = case_when(acc24mob == 1 ~ NA, TRUE ~ wp21420_r), fin14d = case_when(acc24mob == 1 ~ NA, TRUE ~ wp21421_r), fin14e = case_when(acc24mob == 1 ~ NA, TRUE ~ wp23988), fin15 = case_when(acc24mob == 1 ~ NA, TRUE ~ wp23989), fin16 = case_when(acc24mob == 1 ~ NA, TRUE ~ wp23990), fin17a = wp15165_r, # Only asked in economies where mobile money products are offered (m24 indicates whether an economy has mobile money) fin17b = case_when(m24 == 1 ~ wp21375_r, TRUE ~ NA), fin17c = wp19486_r, fin17d = wp23991, fin17e = wp23992, fin17f = wp21374_r, fin18 = wp14914_r, fin19 = wp23993, fin20 = wp23994, fin21 = wp23995, fin22a = wp19489_r, # Only asked in economies where mobile money products are offered fin22a_1 = case_when(m24 == 1 ~ wp23996, TRUE ~ NA), fin22b = wp19490_r, fin22c = wp19491_r, fin22d = wp19487_r, fin22e = wp23997, fin22f = wp23998, fin22g = wp19476_r, fin22h = wp21357_r, fin23 = wp14924_r, fin24 = wp21376_r, fin24a = wp21377_r, fin24b = wp23999, fin24c = wp24000, fin24d1 = wp24001, fin24d2 = wp24002, fin24d3 = wp24003, fin25e1 = wp24004, fin25e2 = wp24005, fin25e3 = wp24006, fin25e4 = wp24007, fin26a = wp21369_r, fin26b = wp21370_r, fin27 = wp21371_r, fh1 = wp19494_r, fin28 = wp21379_r, fh2 = wp24018, fin29 = wp21381_r, fh2a = wp24008, fin30 = wp14940, fin31a = wp19504_r, fin31b = wp19505, fin31c = wp24009, fin31d = wp24010, fin32 = wp19507_r, fin33 = wp14945_r, fin34a = wp19508_r, fin34b = wp19509_r, fin34c = wp21384_r, fin34d = wp21385_r, fin35 = wp24011, fin36 = wp24012, fin36a = wp24013, fin37 = wp21386, fin38 = wp19515, fin39a = wp19516_r, fin39b = wp19517_r, fin39c = wp21388_r, fin39d = wp21389_r, fin40 = wp24014, fin41 = wp24015, fin41a = wp24016, fin42 = wp19522, fin43a = wp19523_r, fin43b = wp19524, fin43c = wp21392_r, fin43d = wp21393_r, fin44 = wp24017, fin45 = wp21398_r, # CONNECTIVITY internet_use = con_internet3, # constructed from con24 and con25 con1 = wp17624_con, con2a = wp24019, con2b = wp24020, con2c = wp24021 , con2d = wp24022 , con2e = wp24023 , con2f = wp24024 , con2g = wp24025 , con3 = wp24026 , con4 = wp24027 , con5 = wp24028 , con6 = wp24029 , con7 = wp24030 , con8 = wp24031 , con9 = wp24032, con10 = wp24033 , con11 = wp24034 , con12 = wp24035 , con13 = wp24036 , con14 = wp24037 , con15 = wp24038 , con16 = wp24039 , con17 = wp24040 , con18 = wp24041 , con19 = wp24042 , con20 = wp24043 , con21 = wp24044 , con22 = wp24045 , con23 = wp24046 , con24 = wp15862_con , con25 = wp24047 , con26 = wp24048 , con27 = wp24049 , con28 = wp24050 , con29 = wp24051 , con30a = wp24052 , con30b = wp24053 , con30c = wp24054 , con30d = wp24055 , con30e = wp24056 , con30f = wp24057 , con30g = wp24058 , con30h = wp24059 , con31a = wp24060 , con31b = wp24061 , con31c = wp24062 , con31d = wp24063 , con31e = wp24064 , con31f = wp24065 , con31g = wp24066 , con31h = wp24067 , con32 = wp24068) # export microdata write_csv(micro, "\\\\wbntpcifs\\gallop\\alexandra\\Findex_Microdata_2025.csv") haven::write_dta(micro, "\\\\wbntpcifs\\gallop\\alexandra\\Findex_Microdata_2025.dta")