DDI_SEN_2014_FINDEX_v01_M_WB
Development Economics Data Group
2015-08-26
NADA
Version 01 (August 2015)
Global Financial Inclusion (Global Findex) Database 2014
FINDEX 2014
SEN_2014_FINDEX_v01_M
Development Research Group, Finance and Private Sector Development Unit
Gallup, Inc.
NADA
Development Research Group, World Bank
The Bill and Melinda Gates Foundation
Development Research Group, Finance and Private Sector Development
The Global Financial Inclusion (Global Findex) Database is the world’s most comprehensive gauge of how adults around the world save, borrow, make payments and manage risk. Launched in 2011 with the support of the Bill & Melinda Gates Foundation, the Global Findex for the first time made it possible to measure financial inclusion for adults around the world, including women, the poor, and rural residents.
Three years later, the 2014 Global Findex provides an update on the indicators collected in 2011 while adding more nuanced data on mobile money accounts and domestic payments. The Global Findex indicators are drawn from survey data collected by Gallup, Inc. over the 2014 calendar year, covering around 150,000 adults in more than 140 economies and representing about 97 percent of the world’s population. The set of indicators will be collected again in 2017.
Financial inclusion is critical in reducing poverty and achieving inclusive economic growth. When people can participate in the financial system, they are better able to start and expand businesses, invest in their children’s education, and absorb financial shocks. Yet prior to 2011, little was known about the extent of financial inclusion and the degree to which such groups as the poor, women, and rural residents were excluded from formal financial systems.
By collecting detailed indicators about how adults around the world manage their day-to-day finances, the Global Findex allows policy makers, researchers, businesses, and development practitioners to track how the use of financial services has changed over time. The database can also be used to identify gaps in access to the formal financial system and design policies to expand financial inclusion.
Senegal
National Coverage.
Individual
The target population is the civilian, non-institutionalized population 15 years and above.
Sample survey data [ssd]
While the first edition provided more than 60 indicators on financial inclusion, the 2014 Global Findex features more than 100 indicators. The database includes indicators on ownership of financial institution accounts and mobile money accounts; use of mobile money accounts for savings and payments; purposes of account use, such as receiving government transfers, wage payments, and agricultural payments; how adults send and receive domestic remittances; savings behavior; use of savings methods, such as banks, and informal savings clubs or people outside the family; sources of borrowing, such as banks, friends, family members; and purposes of borrowing, such as home purchases, school fees, and emergencies. The 2014 Global Findex survey also explored the topic of financial resilience and contains information on how adults deal with emergencies by asking whether and how they can come up with money to deal with them.
Triennial
As in the first edition, the indicators in the 2014 Global Findex are drawn from survey data covering almost 150,000 people in more than 140 economies-representing more than 97 percent of the world's population. The survey was carried out over the 2014 calendar year by Gallup, Inc. as part of its Gallup World Poll, which since 2005 has continually conducted surveys of approximately 1,000 people in each of more than 160 economies and in over 140 languages, using randomly selected, nationally representative samples. The target population is the entire civilian, noninstitutionalized population age 15 and above. The set of indicators will be collected again in 2017.
Surveys are conducted face to face in economies where telephone coverage represents less than 80 percent of the population or is the customary methodology. In most economies the fieldwork is completed in two to four weeks. In economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling units. These 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 select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on different days. 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. In economies where cultural restrictions dictate gender matching, respondents are randomly selected through the Kish grid from among all eligible adults of the interviewer's gender.
In economies where telephone interviewing is employed, random digit dialing or a nationally representative list of phone numbers is used. In most economies where cell phone penetration is high, a dual sampling frame is used. Random selection of respondents is achieved by using either the latest birthday or Kish grid method. At least three attempts are made to reach a person in each household, spread over different days and times of day.
Stratification by geography began in 2013. Sample has a larger-than-expected proportion of respondents who reported completing secondary education when compared with the data used for poststratification weighting.The sample size in Senegal was 1,000 individuals.
Computer Assisted Personal Interview [capi]
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 multiple countries, using focus groups, cognitive interviews, and field testing. The questionnaire is available in 142 languages upon request.
Questions on cash withdrawals, saving using an informal savings club or person outside the family, domestic remittances, school fees, and agricultural payments are only asked in developing economies and few other selected countries. The question on mobile money accounts was only asked in economies that were part of the Mobile Money for the Unbanked (MMU) database of the GSMA at the time the interviews were being held.
Interviews were conducted in the following languages: French, Wolof
Data weighting is used to ensure a nationally representative sample for each economy. Final weights consist of the base sampling weight, which corrects for unequal probability of selection based on household size, and the poststratification weight, which corrects for sampling and nonresponse error. Poststratification weights use economy-level population statistics on gender and age and, where reliable data are available, education or socioeconomic status.
Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in Asli Demirguc-Kunt, Leora Klapper, Dorothe Singer, and Peter Van Oudheusden, “The Global Findex Database 2014: Measuring Financial Inclusion around the World.” Policy Research Working Paper 7255, World Bank, Washington, D.C.
Global Findex
Asli Demirguc-Kunt, Leora Klapper, Dorothe Singer, and Peter Van Oudheusden, “The Global Findex Database 2014: Measuring Financial Inclusion around the World”. Policy Research Working Paper 7255, World Bank, Washington, D.C.
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.
micro_sen
Senegal microdata
1000
84
Economy
Economy
Economy
Economy
Economy
1000
Senegal
Economy Code
Economy Code
Economy Code
Economy Code
Economy Code
1000
SEN
Gallup World Poll identifier
Gallup World Poll identifier
Gallup World Poll identifier
Gallup World Poll identifier
Gallup World Poll identifier
1000
111322591
210888383
Weight
Weight
Weight
Weight
Weight
1000
0.312
2.883
Respondent is female
Respondent is female
Respondent is female
Respondent is female
Respondent is female
1000
1
2
1
1 male
2
2 female
Respondent age
Respondent age
Respondent age
Respondent age
Respondent age
Please tell me your age
1000
15
89
15
15
16
16
17
17
18
18
19
19
20
20
21
21
22
22
23
23
24
24
25
25
26
26
27
27
28
28
29
29
30
30
31
31
32
32
33
33
34
34
35
35
36
36
37
37
38
38
39
39
40
40
41
41
42
42
43
43
44
44
45
45
46
46
47
47
48
48
49
49
50
50
51
51
52
52
53
53
54
54
55
55
56
56
57
57
58
58
59
59
60
60
61
61
62
62
63
63
64
64
65
65
66
66
67
67
68
68
69
69
70
70
71
71
72
72
73
73
74
74
75
75
76
76
77
77
78
78
79
79
80
80
81
81
82
82
83
83
84
84
85
85
86
86
87
87
88
88
89
89
90
90
91
91
92
92
93
93
94
94
95
95
96
96
97
97
98
98
99
99+
Respondent education level
Respondent education level
Respondent education level
Respondent education level
Respondent education level
What is your highest completed level of education?
1000
1
3
1
completed primary or less
2
secondary
3
completed tertiary or more
4
(dk)
5
(rf)
Within-economy household income quintile
Within-economy household income quintile
Within-economy household income quintile
Within-economy household income quintile
Within-economy household income quintile
What is your total MONTHLY household income in [insert local currency], before taxes? Please include income from wages and salaries, remittances from family members living elsewhere, farming, and all other sources.
[Indicators are constructed on information resulting from this question]
1000
1
5
1
1 poorest 20%
2
2 second 20%
3
3 middle 20%
4
4 fourth 20%
5
5 richest 20%
Has an account
Has an account
Has an account
Has an account
Has an account
Composite indicator
1000
1
2
1
yes
2
no
3
dk/ref
Has an account at a financial institution
Has an account at a financial institution
Has an account at a financial institution
Has an account at a financial institution
Has an account at a financial institution
Composite indicator
1000
1
2
1
yes
2
no
3
dk/ref
Has a mobile money account
Has a mobile money account
Has a mobile money account
Has a mobile money account
Has a mobile money account
Composite indicator
1000
1
2
1
yes
2
no
3
dk/ref
Has a debit card
Has a debit card
Has a debit card
Has a debit card
Has a debit card
(A/An [insert local terminology for ATM/debit card]) is a card connected to an account at a financial institution that allows you to withdraw money, and the money is taken out of THAT ACCOUNT right away. Do you, personally, have (a/an [insert local terminology for ATM/debit card])?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
If has debit card: card in own name
If has debit card: card in own name
If has debit card: card in own name
If has debit card: card in own name
If has debit card: card in own name
Is this [insert local terminology for ATM/debit card] connected to an account with your name on it?
94
906
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If has debit card: used card in past 12 months
If has debit card: used card in past 12 months
If has debit card: used card in past 12 months
If has debit card: used card in past 12 months
If has debit card: used card in past 12 months
Have you, personally, used your [insert local terminology for ATM/debit card] to DIRECTLY make a purchase in the past 12 months?
94
906
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Has a credit card
Has a credit card
Has a credit card
Has a credit card
Has a credit card
A credit card is a card that allows you to BORROW money in order to make payments or buy things, and you can pay the balance off later. Do you, personally, have a credit card?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
If has credit card: used card in past 12 months
If has credit card: used card in past 12 months
If has credit card: used card in past 12 months
If has credit card: used card in past 12 months
If has credit card: used card in past 12 months
Have you used your credit card in the past 12 months?
16
984
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c too far away
If does not have account: b/c too far away
If does not have account: b/c too far away
If does not have account: b/c too far away
If does not have account: b/c too far away
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution: Because financial institutions are too far away.
826
174
1
3
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c too expensive
If does not have account: b/c too expensive
If does not have account: b/c too expensive
If does not have account: b/c too expensive
If does not have account: b/c too expensive
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution: Because financial services are too expensive.
826
174
1
3
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c lack documentation
If does not have account: b/c lack documentation
If does not have account: b/c lack documentation
If does not have account: b/c lack documentation
If does not have account: b/c lack documentation
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution: Because you don't have the necessary documentation (identity card, wage slip, etc.)
826
174
1
3
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c lack trust
If does not have account: b/c lack trust
If does not have account: b/c lack trust
If does not have account: b/c lack trust
If does not have account: b/c lack trust
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution: Because you don't trust financial institutions.
826
174
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c religious reasons
If does not have account: b/c religious reasons
If does not have account: b/c religious reasons
If does not have account: b/c religious reasons
If does not have account: b/c religious reasons
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution: Because of religious reasons.
826
174
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c lack of money
If does not have account: b/c lack of money
If does not have account: b/c lack of money
If does not have account: b/c lack of money
If does not have account: b/c lack of money
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution: Because you don't have enough money to use financial institutions.
826
174
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c family member already has one
If does not have account: b/c family member already has one
If does not have account: b/c family member already has one
If does not have account: b/c family member already has one
If does not have account: b/c family member already has one
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution: Because someone else in the family already has an account.
826
174
1
3
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c cannot get one
If does not have account: b/c cannot get one
If does not have account: b/c cannot get one
If does not have account: b/c cannot get one
If does not have account: b/c cannot get one
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution: Because you cannot get an account.
826
174
1
3
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c no need for financial services
If does not have account: b/c no need for financial services
If does not have account: b/c no need for financial services
If does not have account: b/c no need for financial services
If does not have account: b/c no need for financial services
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution: Because you have no need for financial services at a formal institution.
826
174
1
3
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If has account: any deposit into account in past 12 months
If has account: any deposit into account in past 12 months
If has account: any deposit into account in past 12 months
If has account: any deposit into account in past 12 months
If has account: any deposit into account in past 12 months
In the past 12 months, has money been DEPOSITED into your personal account(s)? This includes cash or electronic deposits, or any time money is put into your account(s) by yourself, an employer, or another person or institution.
174
826
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If has any deposit into account: number of monthly deposits
If has any deposit into account: number of monthly deposits
If has any deposit into account: number of monthly deposits
If has any deposit into account: number of monthly deposits
If has any deposit into account: number of monthly deposits
In a typical MONTH, about how many times is money DEPOSITED into your personal account(s): one or two times per month, three or more times per month, or, in a typical month, is money NOT deposited into your account(s)? (Read 1-3)
154
846
1
3
1
1 one or two times per month
2
2 three or more times per month
3
3 money is not deposited in a typical month
4
4 (dk)
5
5 (refused)
Sysmiss
If has account: any withdrawal from account in past 12 months
If has account: any withdrawal from account in past 12 months
If has account: any withdrawal from account in past 12 months
If has account: any withdrawal from account in past 12 months
If has account: any withdrawal from account in past 12 months
In the past 12 months, has money been TAKEN OUT of your personal account(s)? This includes cash withdrawals in person or using your [insert local terminology for ATM/debit card], electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or another person or institution.
174
826
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If has any withdrawal from account: number of monthly withdrawals
If has any withdrawal from account: number of monthly withdrawals
If has any withdrawal from account: number of monthly withdrawals
If has any withdrawal from account: number of monthly withdrawals
If has any withdrawal from account: number of monthly withdrawals
In a typical MONTH, about how many times is money TAKEN OUT of your personal account(s): one or two times per month, three or more times per month, or, in a typical month, is money NOT taken out of your account(s)? (Read 1-3)
158
842
1
3
1
1 one or two times per month
2
2 three or more times per month
3
3 money is not taken out in a typical month
4
4 (dk)
5
5 (refused)
Sysmiss
If has account: most frequent mode of cash withdrawal
If has account: most frequent mode of cash withdrawal
If has account: most frequent mode of cash withdrawal
If has account: most frequent mode of cash withdrawal
If has account: most frequent mode of cash withdrawal
When you need to GET CASH FROM your account(s), how do you USUALLY get it? (Read 1-4)
174
826
1
6
1
1 you get it at an atm
2
2 you get it over the counter in a branch of your financial institution
3
3 you get it from a [insert local terminology for bank agent] who works at a store or comes to your home
4
4 you get it some other way
5
5 (do not need to get cash)
6
6 (dk)
7
7 (refused)
Sysmiss
If has account: made a transaction using a mobile phone
If has account: made a transaction using a mobile phone
If has account: made a transaction using a mobile phone
If has account: made a transaction using a mobile phone
If has account: made a transaction using a mobile phone
In the PAST 12 MONTHS, have you ever made a transaction with money FROM YOUR ACCOUNT at a bank or another type of formal financial institution using a MOBILE PHONE? This can include using a MOBILE PHONE to make payments, buy things, or to send or receive money.
174
826
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Made payments online using the Internet
Made payments online using the Internet
Made payments online using the Internet
Made payments online using the Internet
Made payments online using the Internet
In the PAST 12 MONTHS, have you, personally, made payments on bills or bought things online using the Internet?
1000
1
3
1
yes
2
no
3
(dk)
4
(ref)
Saved in past 12 months: for farm/business purposes
Saved in past 12 months: for farm/business purposes
Saved in past 12 months: for farm/business purposes
Saved in past 12 months: for farm/business purposes
Saved in past 12 months: for farm/business purposes
In the PAST 12 MONTHS, have you, personally, saved or set aside any money for any of the following reasons? How about: To start, operate, or grow a business or farm?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
Saved in past 12 months: for old age
Saved in past 12 months: for old age
Saved in past 12 months: for old age
Saved in past 12 months: for old age
Saved in past 12 months: for old age
In the PAST 12 MONTHS, have you, personally, saved or set aside any money for any of the following reasons? How about: For old age?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
Saved in past 12 months: for education or school fees
Saved in past 12 months: for education or school fees
Saved in past 12 months: for education or school fees
Saved in past 12 months: for education or school fees
Saved in past 12 months: for education or school fees
In the PAST 12 MONTHS, have you, personally, saved or set aside any money for any of the following reasons? How about: For education or school fees?
1000
1
3
1
yes
2
no
3
(dk)
4
(ref)
Saved in past 12 months: using an account at a financial institution
Saved in past 12 months: using an account at a financial institution
Saved in past 12 months: using an account at a financial institution
Saved in past 12 months: using an account at a financial institution
Saved in past 12 months: using an account at a financial institution
In the PAST 12 MONTHS, have you, personally, saved or set aside any money by: Using an account at a bank or another type of formal financial institution?
1000
1
3
1
yes
2
no
3
(dk)
4
(ref)
Saved in past 12 months: using an informal savings club
Saved in past 12 months: using an informal savings club
Saved in past 12 months: using an informal savings club
Saved in past 12 months: using an informal savings club
Saved in past 12 months: using an informal savings club
In the PAST 12 MONTHS, have you, personally, saved or set aside any money by: Using an informal savings club (like [insert local example]), or a person outside the family?
1000
1
3
1
yes
2
no
3
(dk)
4
(ref)
Has loan from a financial institution for house, apartment, or land
Has loan from a financial institution for house, apartment, or land
Has loan from a financial institution for house, apartment, or land
Has loan from a financial institution for house, apartment, or land
Has loan from a financial institution for house, apartment, or land
Do you, by yourself or together with someone else, currently have a loan you took out from a bank or another type of formal financial institution to purchase a home, an apartment, or land?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: from a financial institution
Borrowed in past 12 months: from a financial institution
Borrowed in past 12 months: from a financial institution
Borrowed in past 12 months: from a financial institution
Borrowed in past 12 months: from a financial institution
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from a bank, [insert all financial institutions], or another type of formal financial institution? This does NOT include credit cards.
1000
1
4
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: from a store (store credit)
Borrowed in past 12 months: from a store (store credit)
Borrowed in past 12 months: from a store (store credit)
Borrowed in past 12 months: from a store (store credit)
Borrowed in past 12 months: from a store (store credit)
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from a store by using installment credit or buying on credit?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: from family or friends
Borrowed in past 12 months: from family or friends
Borrowed in past 12 months: from family or friends
Borrowed in past 12 months: from family or friends
Borrowed in past 12 months: from family or friends
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from family, relatives, or friends?
1000
1
3
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: from another private lender
Borrowed in past 12 months: from another private lender
Borrowed in past 12 months: from another private lender
Borrowed in past 12 months: from another private lender
Borrowed in past 12 months: from another private lender
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from another private lender (for example, a/an [insert country-specific examples of private lenders, i.e., loan shark, payday lender, or pawn shop])?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: for education or school fees
Borrowed in past 12 months: for education or school fees
Borrowed in past 12 months: for education or school fees
Borrowed in past 12 months: for education or school fees
Borrowed in past 12 months: for education or school fees
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed money for education or school fees?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: for medical purposes
Borrowed in past 12 months: for medical purposes
Borrowed in past 12 months: for medical purposes
Borrowed in past 12 months: for medical purposes
Borrowed in past 12 months: for medical purposes
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed money for health or medical purposes?
1000
1
3
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: for farm/business purposes
Borrowed in past 12 months: for farm/business purposes
Borrowed in past 12 months: for farm/business purposes
Borrowed in past 12 months: for farm/business purposes
Borrowed in past 12 months: for farm/business purposes
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed money to start, operate, or grow a business or farm?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
Possibility of coming up with emergency funds
Possibility of coming up with emergency funds
Possibility of coming up with emergency funds
Possibility of coming up with emergency funds
Possibility of coming up with emergency funds
Now, imagine that you have an emergency and you need to pay [insert 1/20 of GNI per capita in local currency]. How possible is it that you could come up with [insert 1/20 of GNI per capita in local currency] within the NEXT MONTH? Is it very possible, somewhat possible, not very possible, or not at all possible? (Read 1-4)
1000
1
5
1
1 very possible
2
2 somewhat possible
3
3 not very possible
4
4 not at all possible
5
5 (dk)
6
6 (refused)
If able to come up with emergency funds: main source
If able to come up with emergency funds: main source
If able to come up with emergency funds: main source
If able to come up with emergency funds: main source
If able to come up with emergency funds: main source
What would be the MAIN source of money that you would use to come up with [insert 1/20 of GNI per capita in local currency] within the NEXT MONTH? (Read 1-6)
817
183
1
7
1
1 savings
2
2 family, relatives, or friends
3
3 money from working or a loan from an employer
4
4 a credit card or borrowing from a formal financial institution
5
5 (a/an [insert local terminology for private lenders (i.e., loan shark or pawn shop)])
6
6 some other source
7
7 (dk)
8
8 (refused)
Sysmiss
Sent domestic remittances in past 12 months
Sent domestic remittances in past 12 months
Sent domestic remittances in past 12 months
Sent domestic remittances in past 12 months
Sent domestic remittances in past 12 months
Have you, personally, GIVEN or SENT any of your MONEY to a relative or friend living in a different area INSIDE (country where survey takes place) in the PAST 12 MONTHS? This can be money you brought yourself or sent in some other way.
1000
1
3
1
yes
2
no
3
(dk)
4
(ref)
If sent domestic remittances: in cash
If sent domestic remittances: in cash
If sent domestic remittances: in cash
If sent domestic remittances: in cash
If sent domestic remittances: in cash
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different area inside (country where survey takes place) in any of the following ways? You handed cash to this person or sent cash through someone you know.
304
696
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If sent domestic remittances: through a financial institution
If sent domestic remittances: through a financial institution
If sent domestic remittances: through a financial institution
If sent domestic remittances: through a financial institution
If sent domestic remittances: through a financial institution
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different area inside (country where survey takes place) in any of the following ways? You sent money through a bank or another type of formal financial institution (for example, at a branch, at an ATM, or through direct deposit into an account).
304
696
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If sent domestic remittances: through a mobile phone
If sent domestic remittances: through a mobile phone
If sent domestic remittances: through a mobile phone
If sent domestic remittances: through a mobile phone
If sent domestic remittances: through a mobile phone
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different area inside (country where survey takes place) in any of the following ways? You sent money through a mobile phone.
304
696
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If sent domestic remittances: through an MTO
If sent domestic remittances: through an MTO
If sent domestic remittances: through an MTO
If sent domestic remittances: through an MTO
If sent domestic remittances: through an MTO
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different area inside (country where survey takes place) in any of the following ways? You sent money through a money transfer service.
304
696
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Received domestic remittances in past 12 months
Received domestic remittances in past 12 months
Received domestic remittances in past 12 months
Received domestic remittances in past 12 months
Received domestic remittances in past 12 months
Have you, personally, RECEIVED any MONEY from a relative or friend living in a different area INSIDE (country where survey takes place) in the PAST 12 MONTHS, including any money you received in person?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
If received domestic remittances: in cash
If received domestic remittances: in cash
If received domestic remittances: in cash
If received domestic remittances: in cash
If received domestic remittances: in cash
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different area inside (country where survey takes place) in any of the following ways? You were handed cash by this person or by someone you know.
506
494
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received domestic remittances: through a financial institution
If received domestic remittances: through a financial institution
If received domestic remittances: through a financial institution
If received domestic remittances: through a financial institution
If received domestic remittances: through a financial institution
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different area inside (country where survey takes place) in any of the following ways? You received money through a bank or another type of formal financial institution (for example, at a branch, at an ATM, or through direct deposit into an account).
506
494
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received domestic remittances: through a mobile phone
If received domestic remittances: through a mobile phone
If received domestic remittances: through a mobile phone
If received domestic remittances: through a mobile phone
If received domestic remittances: through a mobile phone
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different area inside (country where survey takes place) in any of the following ways? You received money through a mobile phone.
506
494
1
3
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received domestic remittances: through an MTO
If received domestic remittances: through an MTO
If received domestic remittances: through an MTO
If received domestic remittances: through an MTO
If received domestic remittances: through an MTO
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different area inside (country where survey takes place) in any of the following ways? You received money through a money transfer service.
506
494
1
3
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Paid utility bills in past 12 months
Paid utility bills in past 12 months
Paid utility bills in past 12 months
Paid utility bills in past 12 months
Paid utility bills in past 12 months
In the PAST 12 MONTHS, have you, personally, made regular payments for electricity, water, or trash collection?
1000
1
3
1
yes
2
no
3
(dk)
4
(ref)
If paid utility bills: in cash
If paid utility bills: in cash
If paid utility bills: in cash
If paid utility bills: in cash
If paid utility bills: in cash
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, or trash collection in any of the following ways? You made a payment using cash.
192
808
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If paid utility bills: using an account
If paid utility bills: using an account
If paid utility bills: using an account
If paid utility bills: using an account
If paid utility bills: using an account
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, or trash collection in any of the following ways? You made a payment directly from an account (for example, using (a/an [insert local terminology for ATM/debit card]), a bank transfer, or a check).
192
808
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If paid utility bills: through a mobile phone
If paid utility bills: through a mobile phone
If paid utility bills: through a mobile phone
If paid utility bills: through a mobile phone
If paid utility bills: through a mobile phone
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, or trash collection in any of the following ways? You made a payment through a mobile phone.
192
808
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Paid school fees in past 12 months
Paid school fees in past 12 months
Paid school fees in past 12 months
Paid school fees in past 12 months
Paid school fees in past 12 months
In the PAST 12 MONTHS, have you, personally, made regular payments for school fees?
1000
1
4
1
yes
2
no
3
(dk)
4
(ref)
If paid school fees: in cash
If paid school fees: in cash
If paid school fees: in cash
If paid school fees: in cash
If paid school fees: in cash
In the PAST 12 MONTHS, have you, personally, made payments for school fees in any of the following ways? You made a payment using cash.
171
829
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If paid school fees: using an account
If paid school fees: using an account
If paid school fees: using an account
If paid school fees: using an account
If paid school fees: using an account
In the PAST 12 MONTHS, have you, personally, made payments for school fees in any of the following ways? You made a payment directly from an account (for example, using a debit card, a bank transfer, or a check).
171
829
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If paid school fees: through a mobile phone
If paid school fees: through a mobile phone
If paid school fees: through a mobile phone
If paid school fees: through a mobile phone
If paid school fees: through a mobile phone
In the PAST 12 MONTHS, have you, personally, made payments for school fees in any of the following ways? You made a payment through a mobile phone.
171
829
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Received wage payments in past 12 months
Received wage payments in past 12 months
Received wage payments in past 12 months
Received wage payments in past 12 months
Received wage payments in past 12 months
Have you received any money from an employer or boss, in the form of SALARY OR WAGES, for doing work in the PAST 12 MONTHS? Please do not consider any money you received directly from clients or customers.
1000
1
3
1
yes
2
no
3
(dk)
4
(ref)
If received wage payments: work in public sector
If received wage payments: work in public sector
If received wage payments: work in public sector
If received wage payments: work in public sector
If received wage payments: work in public sector
In the PAST 12 MONTHS, have you been employed by the government, military, or public sector?
202
798
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received wage payments: in cash
If received wage payments: in cash
If received wage payments: in cash
If received wage payments: in cash
If received wage payments: in cash
In the PAST 12 MONTHS, has an employer or boss paid your salary or wages in any of the following ways? You received payments DIRECTLY in cash.
202
798
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received wage payments: into an account or to a card
If received wage payments: into an account or to a card
If received wage payments: into an account or to a card
If received wage payments: into an account or to a card
If received wage payments: into an account or to a card
In the PAST 12 MONTHS, has an employer or boss paid your salary or wages in any of the following ways? You received payments DIRECTLY into an account at a bank or another type of financial institution or to a card.
202
798
1
2
1
yes
2
no
3
dk/ref
Sysmiss
If received wage payments: through a mobile phone
If received wage payments: through a mobile phone
If received wage payments: through a mobile phone
If received wage payments: through a mobile phone
If received wage payments: through a mobile phone
In the PAST 12 MONTHS, has an employer or boss paid your salary or wages in any of the following ways? You received payments through a mobile phone.
202
798
1
3
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received cashless wage payments: account use
If received cashless wage payments: account use
If received cashless wage payments: account use
If received cashless wage payments: account use
If received cashless wage payments: account use
After your payment from an employer is transferred into an account, do you usually withdraw or transfer ALL OF THE MONEY out of the account RIGHT AWAY, or do you withdraw or transfer the money over time as you need it?
85
915
1
2
1
1 all of the money right away
2
2 over time as needed
3
3 (dk)
4
4 (refused)
Sysmiss
If received cashless wage payments: account type
If received cashless wage payments: account type
If received cashless wage payments: account type
If received cashless wage payments: account type
If received cashless wage payments: account type
Which of the following statements best describes the account that you use to receive payments from an employer? (Read 1-3)
85
915
1
5
1
1 you had this account before you began receiving payments from an employer.
2
2 you had an account before, but this account was opened so you could receive payments from an employer.
3
3 this was your first account, and it was opened so you could receive payments from an employer.
4
4 (dk)
5
5 (refused)
Sysmiss
Received government transfers in past 12 months
Received government transfers in past 12 months
Received government transfers in past 12 months
Received government transfers in past 12 months
Received government transfers in past 12 months
Have you, personally, RECEIVED any financial support from the government in the PAST 12 MONTHS? This money could include payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of SOCIAL BENEFITS. Please do NOT include wages or any payments related to work.
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
If received government transfers: in cash
If received government transfers: in cash
If received government transfers: in cash
If received government transfers: in cash
If received government transfers: in cash
In the PAST 12 MONTHS, have you received money from the government in any of the following ways? You received payments DIRECTLY in cash.
53
947
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received government transfers: into an account or to a card
If received government transfers: into an account or to a card
If received government transfers: into an account or to a card
If received government transfers: into an account or to a card
If received government transfers: into an account or to a card
In the PAST 12 MONTHS, have you received money from the government in any of the following ways? You received payments DIRECTLY in cash.
53
947
1
2
1
yes
2
no
3
dk/ref
Sysmiss
If received government transfers: through a mobile phone
If received government transfers: through a mobile phone
If received government transfers: through a mobile phone
If received government transfers: through a mobile phone
If received government transfers: through a mobile phone
In the PAST 12 MONTHS, have you received money from the government in any of the following ways? You received payments through a mobile phone.
53
947
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received cashless government transfers: account use
If received cashless government transfers: account use
If received cashless government transfers: account use
If received cashless government transfers: account use
If received cashless government transfers: account use
After your payment from the government is transferred into an account, do you usually withdraw or transfer ALL OF THE MONEY out of the account RIGHT AWAY, or do you withdraw or transfer the money over time as you need it?
20
980
1
2
1
1 all of the money right away
2
2 over time as needed
3
3 (dk)
4
4 (refused)
Sysmiss
If received cashless government transfers: account type
If received cashless government transfers: account type
If received cashless government transfers: account type
If received cashless government transfers: account type
If received cashless government transfers: account type
Which of the following statements best describes the account that you use to receive payments from the government? (Read 1-3)
20
980
1
3
1
1 you had this account before you began receiving payments from the government.
2
2 you had an account before, but this account was opened so you could receive payments from the government.
3
3 this was your first account, and it was opened so you could receive payments from the government.
4
4 (dk)
5
5 (refused)
Sysmiss
Received agricultural payments in past 12 months
Received agricultural payments in past 12 months
Received agricultural payments in past 12 months
Received agricultural payments in past 12 months
Received agricultural payments in past 12 months
In the PAST 12 MONTHS, have you personally RECEIVED money from any source for the sale of your or your family's agricultural products, crops, produce, or livestock?
1000
1
2
1
yes
2
no
3
(dk)
4
(ref)
If received agricultural payments: in cash
If received agricultural payments: in cash
If received agricultural payments: in cash
If received agricultural payments: in cash
If received agricultural payments: in cash
In the PAST 12 MONTHS, have you received money for the sale of your or your family's agricultural products, crops, produce, or livestock in any of the following ways? You received payments DIRECTLY in cash.
287
713
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received agricultural payments: into an account
If received agricultural payments: into an account
If received agricultural payments: into an account
If received agricultural payments: into an account
If received agricultural payments: into an account
In the PAST 12 MONTHS, have you received money for the sale of your or your family's agricultural products, crops, produce, or livestock in any of the following ways? You received payments DIRECTLY into an account at a bank or another type of formal financial institution.
287
713
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received agricultural payments: through a mobile phone
If received agricultural payments: through a mobile phone
If received agricultural payments: through a mobile phone
If received agricultural payments: through a mobile phone
If received agricultural payments: through a mobile phone
In the PAST 12 MONTHS, have you received money for the sale of your or your family's agricultural products, crops, produce, or livestock in any of the following ways? You received payments through a mobile phone.
287
713
1
2
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Saved in the past year
Saved in the past year
Saved in the past year
Saved in the past year
Saved in the past year
Composite indicator
1000
1
2
1
yes
2
no
3
dk/ref
Borrowed in the past year
Borrowed in the past year
Borrowed in the past year
Borrowed in the past year
Borrowed in the past year
Composite indicator
1000
1
2
1
yes
2
no
3
dk/ref