DDI_WLD_2014_FINDEX_v02_M_WB
Development Economics Data Group
2015-06-25
NADA
DDI Document - Version 02 - (04/21/21)
This version is identical to DDI_WLD_2014_FINDEX_v01_M_WB but country field has been updated to capture all the countries covered by survey.
Version 01 (August 2015)
Global Financial Inclusion (Global Findex) Database 2014
FINDEX 2014
WLD_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 Unit
Afghanistan
Angola
Angola
Albania
Albania
United Arab Emirates
Argentina
Argentina
Armenia
Armenia
Australia
Australia
Austria
Austria
Azerbaijan
Azerbaijan
Burundi
Burundi
Belgium
Belgium
Benin
Benin
Burkina Faso
Burkina Faso
Bulgaria
Bulgaria
Bahrain
Bahrain
Bosnia and Herzegovina
Bosnia and Herzegovina
Bolivia
Bolivia
Brazil
Brazil
Bhutan
Bhutan
Botswana
Botswana
Canada
Switzerland
Chile
China
Côte d'Ivoire
Cameroon
Cameroon
Colombia
Costa Rica
Cyprus
Czech Republic
Germany
Denmark
Dominican Republic
Algeria
Algeria
Ecuador
Spain
Estonia
Ethiopia
Finland
France
Gabon
United Kingdom
Georgia
Ghana
Guinea
Greece
Guatemala
Hong Kong SAR, China
Honduras
Croatia
Haiti
Hungary
Indonesia
India
Ireland
Iraq
Israel
Italy
Jamaica
Jordan
Japan
Kazakhstan
Kenya
Kyrgyz Republic
Cambodia
Cambodia
Korea, Rep.
Kosovo
Kuwait
Lebanon
Sri Lanka
Lithuania
Luxembourg
Latvia
Moldova
Madagascar
Mexico
North Macedonia
Mali
Malta
Myanmar
Montenegro
Mongolia
Mauritania
Mauritius
Malawi
Malaysia
Namibia
Niger
Nigeria
Nicaragua
Netherlands
Norway
Nepal
New Zealand
Pakistan
Panama
Peru
Philippines
Poland
Puerto Rico
Portugal
Romania
Russian Federation
Rwanda
Saudi Arabia
Sudan
Senegal
Singapore
Sierra Leone
El Salvador
Somalia
Serbia
Slovak Republic
Slovenia
Sweden
Chad
Togo
Thailand
Tajikistan
Turkmenistan
Tunisia
Turkiye
Taiwan
Tanzania
Uganda
Ukraine
Uruguay
United States
Uzbekistan
Vietnam
West Bank and Gaza
South Africa
Zambia
The 2014 Global Findex Database covers around 150,000 adults in more than 140 economies and representing about 97 percent of the world's population.
See Methodology document for country-specific geographic coverage details.
Sample survey data [ssd]
Triennial
Other [oth]
Global Findex
micro_world
Combined file: 142 economies
146688
86
Economy
146688
Afghanistan
Albania
Algeria
Angola
Argentina
Armenia
Australia
Austria
Azerbaijan
Bahrain
Bangladesh
Belarus
Belgium
Belize
Benin
Bhutan
Bolivia
Bosnia and Herzegovina
Botswana
Brazil
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Chad
Chile
China
Colombia
Congo, Dem. Rep.
Congo, Rep.
Costa Rica
Croatia
Cyprus
Czech Republic
Côte d'Ivoire
Denmark
Dominican Republic
Ecuador
Egypt, Arab Rep.
El Salvador
Estonia
Ethiopia
Finland
France
Gabon
Georgia
Germany
Ghana
Greece
Guatemala
Guinea
Haiti
Honduras
Hong Kong SAR, China
Hungary
India
Indonesia
Iraq
Ireland
Israel
Italy
Jamaica
Japan
Jordan
Kazakhstan
Kenya
Korea, Rep.
Kosovo
Kuwait
Kyrgyz Republic
Latvia
Lebanon
Lithuania
Luxembourg
Macedonia, FYR
Madagascar
Malawi
Malaysia
Mali
Malta
Mauritania
Mauritius
Mexico
Moldova
Mongolia
Montenegro
Myanmar
Namibia
Nepal
Netherlands
New Zealand
Nicaragua
Niger
Nigeria
Norway
Pakistan
Panama
Peru
Philippines
Poland
Portugal
Puerto Rico
Romania
Russian Federation
Rwanda
Saudi Arabia
Senegal
Serbia
Sierra Leone
Singapore
Slovak Republic
Slovenia
Somalia
South Africa
Spain
Sri Lanka
Sudan
Sweden
Switzerland
Taiwan, China
Tajikistan
Tanzania
Thailand
Togo
Tunisia
Turkey
Turkmenistan
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Uzbekistan
Venezuela, RB
Vietnam
West Bank and Gaza
Yemen, Rep.
Zambia
Zimbabwe
Economy Code
146688
AFG
AGO
ALB
ARE
ARG
ARM
AUS
AUT
AZE
BDI
BEL
BEN
BFA
BGD
BGR
BHR
BIH
BLR
BLZ
BOL
BRA
BTN
BWA
CAN
CHE
CHL
CHN
CIV
CMR
COG
COL
CRI
CYP
CZE
DEU
DNK
DOM
DZA
ECU
EGY
ESP
EST
ETH
FIN
FRA
GAB
GBR
GEO
GHA
GIN
GRC
GTM
HKG
HND
HRV
HTI
HUN
IDN
IND
IRL
IRQ
ISR
ITA
JAM
JOR
JPN
KAZ
KEN
KGZ
KHM
KOR
KSV
KWT
LBN
LKA
LTU
LUX
LVA
MDA
MDG
MEX
MKD
MLI
MLT
MMR
MNE
MNG
MRT
MUS
MWI
MYS
NAM
NER
NGA
NIC
NLD
NOR
NPL
NZL
PAK
PAN
PER
PHL
POL
PRI
PRT
ROM
RUS
RWA
SAU
SDN
SEN
SGP
SLE
SLV
SOM
SRB
SVK
SVN
SWE
TCD
TGO
THA
TJK
TKM
TUN
TUR
TWN
TZA
UGA
UKR
URY
USA
UZB
VEN
VNM
WBG
YEM
ZAF
ZAR
ZMB
ZWE
Region, WB
129082
East Asia & Pacific
Europe & Central Asia
High Income: OECD
Latin America & Caribbean
Middle East
South Asia
Sub-Saharan Africa
Population 15+, 2013, WDI
146688
219521
1112633472
Gallup World Poll identifier
146688
111116204
211109994
Weight
146688
0.104
4.702
Respondent is female
146688
1
2
1
1 male
2
2 female
Respondent age
Please tell me your age
146364
324
15
99
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+
Sysmiss
Respondent education level
What is your highest completed level of education?
146686
2
1
5
1
completed primary or less
2
secondary
3
completed tertiary or more
4
(dk)
5
(rf)
Sysmiss
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]
146672
16
1
5
1
1 poorest 20%
2
2 second 20%
3
3 middle 20%
4
4 fourth 20%
5
5 richest 20%
Sysmiss
Has an account
Composite indicator
146688
1
2
1
yes
2
no
3
dk/ref
Equal to 1 (2 otherwise) if the respondent has an account at a financial institution, a mobile money account, or both.
Has an account at a financial institution
Composite indicator
146688
1
2
1
yes
2
no
3
dk/ref
Equal to 1 (2 otherwise) if the respondent, personally or together with someone else, has an account at a bank or another type of financial institution, such as a credit union, microfinance institution, cooperative, or the post office; has a debit card connected to an account at a financial institution with their name on it; received wages, government transfers, or payments for agricultural products directly into an account at a financial institution in the past year; or personally paid utility bills or school fees from an account at a financial institution in the past year.
Has a mobile money account
Composite indicator
74298
72390
1
2
1
yes
2
no
3
dk/ref
Sysmiss
Equal to 1 (2 otherwise) if the respondent, personally, used a GSM Association (GSMA) mobile money service to pay bills or to send or receive money in the past year; or received wages, government transfers, or payments for agricultural products through a mobile money account in the past year. Available only for countries where a GSMA mobile money service is available.
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])?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
60715
85973
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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?
60715
85973
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
If has credit card: used card in past 12 months
Have you used your credit card in the past 12 months?
28307
118381
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
68015
78673
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
68015
78673
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.)
68015
78673
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
68015
78673
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
68015
78673
1
22
1
yes
2
no
3
(dk)
4
(ref)
22
Sysmiss
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.
68015
78673
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
68015
78673
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
68015
78673
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
68015
78673
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
78673
68015
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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)
65141
81547
1
5
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
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.
78673
68015
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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)
65858
80830
1
5
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
When you need to GET CASH FROM your account(s), how do you USUALLY get it? (Read 1-4)
49290
97398
1
7
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
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.
78673
68015
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
115563
31125
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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.
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
145688
1000
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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])?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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)
146688
1
6
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
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)
111355
35333
1
8
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
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.
115563
31125
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
21472
125216
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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).
21472
125216
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
21472
125216
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
21472
125216
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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?
115563
31125
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
26507
120181
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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).
26507
120181
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
26507
120181
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
26507
120181
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Paid utility bills in past 12 months
In the PAST 12 MONTHS, have you, personally, made regular payments for electricity, water, or trash collection?
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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.
85611
61077
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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).
85611
61077
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
85611
61077
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Paid school fees in past 12 months
In the PAST 12 MONTHS, have you, personally, made regular payments for school fees?
115563
31125
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
26146
120542
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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).
26146
120542
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
26146
120542
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
If received wage payments: work in public sector
In the PAST 12 MONTHS, have you been employed by the government, military, or public sector?
48979
97709
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
48979
97709
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
48979
97709
1
2
1
yes
2
no
3
dk/ref
Sysmiss
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.
48979
97709
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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?
33042
113646
1
4
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
Which of the following statements best describes the account that you use to receive payments from an employer? (Read 1-3)
33042
113646
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
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.
146688
1
4
1
yes
2
no
3
(dk)
4
(ref)
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.
21459
125229
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
21459
125229
1
2
1
yes
2
no
3
dk/ref
Sysmiss
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.
21459
125229
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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?
14259
132429
1
4
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
Which of the following statements best describes the account that you use to receive payments from the government? (Read 1-3)
14259
132429
1
5
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
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?
115563
31125
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
23956
122732
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
23956
122732
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
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.
23956
122732
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Saved in the past year
Composite indicator
146688
1
2
1
yes
2
no
3
dk/ref
Equal to 1 (2 otherwise) if the respondent, personally, saved or set aside money in the past year, including using an account at a financial institution, a savings club or person outside the family, or for education or school fees, old age, or to start, operate, or expand a farm or business, or for any other reason.
Borrowed in the past year
Composite indicator
146688
1
2
1
yes
2
no
3
dk/ref
Equal to 1 (2 otherwise) if the respondent, personally or together with someone else, borrowed money in the past year, including from a financial institution, a store (by using installment credit), family or friends, or another private lender, or for education or school fees, medical purposes, to start, operate, or expand a farm or business, or for any other reason.