Global Financial Inclusion (Global Findex) Database 2011

Tunisia, 2011

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Reference ID

TUN_2011_FINDEX_v01_M

DOI

https://doi.org/10.48529/k921-ck48

Producer(s)

Development Research Group, Finance and Private Sector Development Unit

Collection(s)

Global Financial Inclusion (Global Findex) Database

Metadata

DDI/XML JSON

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Created on

Dec 12, 2012

Last modified

Sep 26, 2013

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23215

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Identification

Survey ID number

TUN_2011_FINDEX_v01_M

Title

Global Financial Inclusion (Global Findex) Database 2011

Country/Economy

Name	Country code
Tunisia	TUN

Series Information

The Global Financial Inclusion (Global Findex) Database is a project funded by the Bill & Melinda Gates Foundation to measure how people in 148 economies - including the poor, women, and rural residents - save, borrow, make payments and manage risk.

The Global Findex indicators are drawn from survey data collected by Gallup, Inc. over the 2011 calendar year, covering more than 150,000 adults in 148 economies and representing about 97 percent of the world's population. Since 2005, Gallup has surveyed adults annually around the world, using a uniform methodology and randomly selected, nationally representative samples.The Global Findex indicators will be collected again in 2014 and 2017.

Abstract

Well-functioning financial systems serve a vital purpose, offering savings, credit, payment, and risk management products to people with a wide range of needs. Yet until now little had been known about the global reach of the financial sector - the extent of financial inclusion and the degree to which such groups as the poor, women, and youth are excluded from formal financial systems. Systematic indicators of the use of different financial services had been lacking for most economies.

The Global Financial Inclusion (Global Findex) database provides such indicators. This database contains the first round of Global Findex indicators, measuring how adults in 148 economies save, borrow, make payments, and manage risk. The data set can be used to track the effects of financial inclusion policies globally and develop a deeper and more nuanced understanding of how people around the world manage their day-to-day finances. By making it possible to identify segments of the population excluded from the formal financial sector, the data can help policy makers prioritize reforms and design new policies.

Kind of Data

Sample survey data [ssd]

Unit of Analysis

Individual

Scope

Notes

The Global Findex database includes indicators measuring how adults in 148 economies save, borrow, make payments, and manage risk. More specifically, the database includes indicators on the use of formal accounts, the frequency of formal account use, mode of formal account use (ATM, bank, bank agent, etc.), purposes of formal account use (remittances, government payments, wage payments, etc.), self-reported reasons for not having a formal account, savings behavior, savings method (bank, informal savings club, etc)), sources of borrowing (bank, friends/family, informal lender, etc.), purposes of borrowing (home purchase, school fees, emergency/health, funerals/weddings), the use of mobile phones to make payments, and the purchase of health and agriculture insurance.

Coverage

Geographic Coverage

National Coverage.

Universe

The target population is the civilian, non-institutionalized population 15 years and above. The sample is nationally representative.

Producers and sponsors

Primary investigators

Name	Affiliation
Development Research Group, Finance and Private Sector Development Unit	World Bank

Producers

Name	Role
Gallup, Inc.	Carried out the survey in association with its annual Gallup World Poll.

Funding Agency/Sponsor

Name	Role
Development Research Group, World Bank
The Bill and Melinda Gates Foundation	Financial support

Sampling

Sampling Procedure

Surveys were conducted face-to-face. The first stage of sampling is the identification of primary sampling units, consisting of clusters of households. The primary sampling units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to selected sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used. Respondents are randomly selected within the selected households by means of the Kish grid.

The sample size in Tunisia was 1,021 individuals.

Weighting

Data weighting is used to ensure a nationally representative sample for each economy. First, base sampling weights are constructed to account for oversamples and household size. If an oversample has been conducted, the data are weighted to correct the disproportionate sample. Weighting by household size (number of residents age 15 and above) is used to adjust for the probability of selection, as residents in large households will have a disproportionately lower probability of being selected for the sample. Second, poststratification weights are constructed. Population statistics are used to weight the data by gender, age, and, where reliable data are available, education or socioeconomic status.

Survey instrument

Questionnaires

The questionnaire was designed by the World Bank, in conjunction with a Technical Advisory Board composed of leading academics, practitioners, and policy makers in the field of financial inclusion. The Bill and Melinda Gates Foundation and Gallup, Inc. also provided valuable input. The questionnaire was piloted in over 20 countries using focus groups, cognitive interviews, and field testing. The questionnaire is available in 142 languages upon request.

Questions on insurance, mobile payments, and loan purposes were asked only in developing economies. The indicators on awareness and use of microfinance insitutions (MFIs) are not included in the public dataset. However, adults who report saving at an MFI are considered to have an account; this is reflected in the composite account indicator.

Data collection

Dates of Data Collection

Start	End	Cycle
2011-03-27	2011-04-08	Triennial

Data Collection Notes

Interviews were conducted in the following languages: Arabic.

Data appraisal

Estimates of Sampling Error

Estimates of standard errors (which account for sampling error) vary by country and indicator. For country- and indicator-specific standard errors, refer to the Annex and Country Table in Demirguc-Kunt, Asli and L. Klapper. 2012. "Measuring Financial Inclusion: The Global Findex." Policy Research Working Paper 6025, World Bank, Washington, D.C.

Data Access

Access authority

Name	Affiliation	URL	Email
Global Findex	World Bank	http://www.worldbank.org/globalfindex	globalfindex@worldbank.org

Citation requirements

The reference citation for the Global Findex data is as follows: Demirguc-Kunt, Asli and L. Klapper. 2012. "Measuring Financial Inclusion: The Global Findex." Policy Research Working Paper 6025, World Bank, Washington, D.C.

Disclaimer and copyrights

Disclaimer

The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses.

Contacts

Name	Affiliation	Email	URL
Global Findex	World Bank	globalfindex@worldbank.org	http://www.worldbank.org/globalfindex

Metadata production

DDI Document ID

DDI_TUN_2011_FINDEX_v01_M_WB

Producers

Name
World Bank

Date of Metadata Production

2012-11-12

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