BEL_2017_FINDEX_v02_M
DDI_BEL_2017_FINDEX_v02_M_WB
Development Economics Data Group
2018-10-09
Nesstar Publisher
Development Research Group, Finance and Private Sector Development Unit
Version 01 (October 2018)
Global Financial Inclusion (Global Findex) Database 2017
FINDEX 2017
BEL_2017_FINDEX_v02_M
Development Research Group, Finance and Private Sector Development Unit
Gallup, Inc.
Nesstar Publisher
Development Research Group, World Bank
The Bill and Melinda Gates Foundation
Global Findex
Development Research Group, Finance and Private Sector Development Unit
Other Household Survey [hh/oth]
Belgium
National coverage
The target population is the civilian, non-institutionalized population 15 years and above.
Observation data/ratings [obs]
The Global Findex database provides more than 200 indicators on topics such as account ownership, payments, saving, credit, and financial resilience. Global Findex data is available for more than 140 countries around the world which make up 97% of the world's population. Data is available for 2017, 2014, and 2011.
Other [oth]
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 Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess. 2018. The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank
Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess. 2018. The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank. Ref: BEL_2017_FINDEX_v02_M. Accessed at [url] on [date]
micro_bel.NSDstat
1001
81
Nesstar 200801
Economy
1001
0
Belgium
1001
Economy Code
1001
0
BEL
1001
Gallup World Poll identifier
1001
0
111123314
211039166
Weight
1001
0
0.323
3.036
Respondent is female
1001
0
1
2
1
Male
482
2
Female
519
Respondent age
1001
0
15
90
15
15
1
16
16
9
17
17
11
18
18
9
19
19
9
20
20
9
21
21
11
22
22
9
23
23
13
24
24
11
25
25
9
26
26
11
27
27
11
28
28
15
29
29
14
30
30
16
31
31
10
32
32
13
33
33
10
34
34
12
35
35
12
36
36
13
37
37
14
38
38
13
39
39
16
40
40
20
41
41
21
42
42
16
43
43
22
44
44
19
45
45
21
46
46
16
47
47
21
48
48
14
49
49
17
50
50
9
51
51
16
52
52
19
53
53
21
54
54
16
55
55
27
56
56
21
57
57
23
58
58
24
59
59
18
60
60
28
61
61
17
62
62
24
63
63
18
64
64
19
65
65
21
66
66
17
67
67
13
68
68
16
69
69
15
70
70
19
71
71
20
72
72
8
73
73
12
74
74
10
75
75
15
76
76
6
77
77
11
78
78
4
79
79
6
80
80
10
81
81
2
82
82
7
83
83
3
84
84
4
85
85
4
86
86
3
87
87
3
88
88
3
89
89
0
90
90
1
91
91
0
92
92
0
93
93
0
94
94
0
95
95
0
96
96
0
97
97
0
98
98
0
99
99+
0
Respondent education level
1001
0
1
4
1
completed primary or less
47
2
secondary
479
3
completed tertiary or more
456
4
(dk)
19
5
(rf)
0
Within-economy household income quintile
1001
0
1
5
1
Poorest 20%
157
2
Second 20%
176
3
Middle 20%
194
4
Fourth 20%
220
5
Richest 20%
254
Respondent is in the workforce
1001
0
0
1
0
out of workforce
430
1
in workforce
571
Has a debit card
A/An [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 [local terminology for ATM/debit card]? Yes or no?
The respondent must CURRENTLY have a/an [local terminology for ATM/debit card])
1001
0
1
4
1
yes
960
2
no
38
3
(dk)
1
4
(ref)
2
If has debit card: card in own name
Is this [local terminology for ATM/debit card] connected to an account with your name on it?
(Skip to FIN7)]]>
960
41
1
4
1
yes
939
2
no
16
3
(dk)
3
4
(ref)
2
Sysmiss
41
If has debit card: used card in past 12 months
In the PAST 12 MONTHS, have you used your OWN [local terminology for ATM/debit card] DIRECTLY to make a purchase?
939
62
1
4
1
yes
891
2
no
47
3
(dk)
0
4
(ref)
1
Sysmiss
62
Used mobile phone or internet to access FI account
In the PAST 12 MONTHS, did you ever use a MOBILE PHONE or the Internet to make a payment, to buy something, or to send money FROM your account at a bank or another type of financial institution?
(This should not include transactions made through phone calls.)
965
36
1
2
1
yes
665
2
no
300
3
(dk)
0
4
(ref)
0
Sysmiss
36
Used mobile phone or internet to check account balance
In the PAST 12 MONTHS, have you checked your account balance using a mobile phone or the Internet?
(If respondent mentions “text messages,” code as Yes [code 1])
965
36
1
4
1
yes
723
2
no
240
3
(dk)
0
4
(ref)
2
Sysmiss
36
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?
No/DH/Refused > (Skip to Note after FIN8)
1001
0
1
4
1
yes
549
2
no
450
3
(dk)
1
4
(ref)
1
If has credit card: used card in past 12 months
In the PAST 12 MONTHS, have you, personally, used your credit card?
(If respondent has an account at a financial institution OR has a debit card in their name which is connected to an account [code 1 in FIN1 OR code 1 in FIN3], Continue; Otherwise, Skip to FIN11)
549
452
1
3
1
yes
480
2
no
68
3
(dk)
1
4
(ref)
0
Sysmiss
452
If has account: any deposit into account in past 12 months
(READ:) Now, thinking about ALL the PERSONAL accounts you have at financial institutions, either by yourself or together with someone else...
In the PAST 12 MONTHS, has money ever 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.
986
15
1
4
1
yes
916
2
no
66
3
(dk)
1
4
(ref)
3
Sysmiss
15
If has account: any withdrawal from account in past 12 months
In the PAST 12 MONTHS, has money ever been TAKEN OUT of your personal account(s)? This includes cash withdrawals you make in person, using your [local terminology for ATM/debit card] or mobile phone, electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or by another person or institution.
(ALL in FIN10, Skip to FIN12 IN GSMA MOBILE MONEY COUNTRIES OR FIN14)
986
15
1
4
1
yes
934
2
no
48
3
(dk)
1
4
(ref)
3
Sysmiss
15
If does not have account: b/c too far away
15
986
1
2
1
yes
1
2
no
14
3
(dk)
0
4
(ref)
0
Sysmiss
986
If does not have account: b/c too expensive
15
986
1
3
1
yes
6
2
no
8
3
(dk)
1
4
(ref)
0
Sysmiss
986
If does not have account: b/c lack documentation
15
986
1
2
1
yes
3
2
no
12
3
(dk)
0
4
(ref)
0
Sysmiss
986
If does not have account: b/c lack trust
15
986
1
2
1
yes
4
2
no
11
3
(dk)
0
4
(ref)
0
Sysmiss
986
If does not have account: b/c religious reasons
15
986
2
2
1
yes
0
2
no
15
3
(dk)
0
4
(ref)
0
Sysmiss
986
If does not have account: b/c lack of money
15
986
1
2
1
yes
4
2
no
11
3
(dk)
0
4
(ref)
0
Sysmiss
986
If does not have account: b/c family member already has one
15
986
1
4
1
yes
9
2
no
5
3
(dk)
0
4
(ref)
1
Sysmiss
986
If does not have account: b/c no need for financial services
15
986
1
3
1
yes
5
2
no
9
3
(dk)
1
4
(ref)
0
Sysmiss
986
Made bill payments online using the Internet
(If respondent has used the Internet to buy something online in the past 12 months [code 1 in FIN14B], Continue; Otherwise, Skip to FIN15)
(Read FIN14A-FIN14B)
1001
0
1
4
1
yes
723
2
no
276
3
(dk)
0
4
(ref)
2
Bought something online using the Internet
(If respondent has used the Internet to buy something online in the past 12 months [code 1 in FIN14B], Continue; Otherwise, Skip to FIN15)
(Read FIN14A-FIN14B)
1001
0
1
2
1
yes
615
2
no
386
3
(dk)
0
4
(ref)
0
Saved in past 12 months: for farm/business purposes
(ASK ALL)
1001
0
1
4
1
yes
79
2
no
921
3
(dk)
0
4
(ref)
1
Saved in past 12 months: for old age
(ASK ALL)
1001
0
1
4
1
yes
572
2
no
425
3
(dk)
0
4
(ref)
4
Saved in past 12 months: using an account at a financial institution
1001
0
1
4
1
yes
616
2
no
380
3
(dk)
1
4
(ref)
4
Has loan from a financial institution for home, apartment, or land
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
(ASK ALL)
1001
0
1
4
1
yes
344
2
no
655
3
(dk)
0
4
(ref)
2
Borrowed in past 12 months: for medical purposes
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
(ASK ALL)
1001
0
1
4
1
yes
24
2
no
975
3
(dk)
1
4
(ref)
1
Borrowed in past 12 months: for farm/business purposes
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
(ASK ALL)
1001
0
1
2
1
yes
19
2
no
982
3
(dk)
0
4
(ref)
0
Borrowed in past 12 months: from a financial institution
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
1001
0
1
2
1
yes
170
2
no
831
3
(dk)
0
4
(ref)
0
Borrowed in past 12 months: from family or friends
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
1001
0
1
3
1
yes
85
2
no
915
3
(dk)
1
4
(ref)
0
Possibility of coming up with emergency funds
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
(Continue)
Not possible > (Skip to FIN26)
(DK) > (Continue)
(Refused) > Continue]]>
(ASK ALL)
1001
0
1
4
1
Possible
752
2
Not possible
236
3
(dk)
1
4
(ref)
12
Main source of emergency funds
(Read 1-5)
752
249
1
8
1
Main source: Savings
546
2
Main source: Family or friends
68
3
Main source: Money from working
76
4
Main source: Borrowing from a bank, empoyer, or private lend
32
5
Main source: Selling assets
8
6
Main source: Some other source
15
7
(dk)
4
8
ref
3
Sysmiss
249
Paid utility bills in past 12 months
In the PAST 12 MONTHS, have you, personally, made regular payments for electricity, water, OR trash collection? Yes or no?
(Continue)
No/DK/Refused >(Skip to FIN32)]]>
1001
0
1
4
1
yes
823
2
no
176
3
(dk)
1
4
(ref)
1
If paid utility bills: using an account
(If respondent has made payments for electricity, water, OR trash collection through an account at a financial institution OR through a mobile phone [code 1 in FIN31A OR code 1 in FIN31B], Skip to FIN32; Otherwise, Continue)
(Read FIN31A-FIN31B)
823
178
1
3
1
yes
803
2
no
19
3
(dk)
1
4
(ref)
0
Sysmiss
178
If paid utility bills: through a mobile phone
(If respondent has made payments for electricity, water, OR trash collection through an account at a financial institution OR through a mobile phone [code 1 in FIN31A OR code 1 in FIN31B], Skip to FIN32; Otherwise, Continue)
(Read FIN31A-FIN31B)
823
178
1
2
1
yes
216
2
no
607
3
(dk)
0
4
(ref)
0
Sysmiss
178
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? (Read) You made a payment using cash.
13
988
1
2
1
yes
6
2
no
7
3
(dk)
0
4
(ref)
0
Sysmiss
988
Received wage payments in past 12 months
(Continue)
No/DK/Refused > (Skip to FIN37)]]>
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer)
1001
0
1
4
1
yes
540
2
no
458
3
(dk)
1
4
(ref)
2
If received wage payments: work in public sector
In the PAST 12 MONTHS, have you been employed by the government, military, or public sector? Yes or no?
540
461
1
4
1
yes
168
2
no
370
3
(dk)
1
4
(ref)
1
Sysmiss
461
If received wage payments: into an account
(If respondent received payments from an employer for salary or wages directly into an account at a financial institution OR through a mobile phone [code 1 in FIN34A OR code 1 in FIN34B], Skip to FIN35; Otherwise, Continue)
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34A-FIN34B)
540
461
1
3
1
yes
514
2
no
25
3
(dk)
1
4
(ref)
0
Sysmiss
461
If received wage payments: through a mobile phone
(If respondent received payments from an employer for salary or wages directly into an account at a financial institution OR through a mobile phone [code 1 in FIN34A OR code 1 in FIN34B], Skip to FIN35; Otherwise, Continue)
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34A-FIN34B)
540
461
1
3
1
yes
48
2
no
480
3
(dk)
12
4
(ref)
0
Sysmiss
461
If received wage payments: in cash
(All in FIN34C2, Skip to FIN37)
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34C1-FIN34C2)
19
982
1
4
1
yes
3
2
no
15
3
(dk)
0
4
(ref)
1
Sysmiss
982
If received wage payments: to a card
(All in FIN34C2, Skip to FIN37)
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34C1-FIN34C2)
19
982
1
4
1
yes
6
2
no
11
3
(dk)
1
4
(ref)
1
Sysmiss
982
If received cashless wage payments: first account
Thinking about the account you use to receive payments from an employer, was it the first account you ever opened, or not?
(Continue)
No/DK/Refused > (Skip to FIN37)]]>
514
487
1
3
1
Yes
262
2
No
243
3
(DK)
9
4
(Refused)
0
Sysmiss
487
If received cashless wage payments: opened to receive payments
Did you open this account in order to receive payments from this employer?
262
739
1
3
1
Yes
97
2
No
164
3
(DK)
1
4
(Refused)
0
Sysmiss
739
Received government transfers in past 12 months
In the PAST 12 MONTHS, have you, personally, RECEIVED any financial support from the government? 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.
1001
0
1
4
1
yes
295
2
no
700
3
(dk)
5
4
(ref)
1
Received government transfers in past 12 months: pension
In the PAST 12 MONTHS, have you, personally, received a pension from the government, military, or public sector?
(If respondent received financial support from the government or a pension from the government, military, or public sector [code 1 in FIN37 OR code 1 in FIN38, Continue; Otherwise, Skip to FIN42)
1001
0
1
4
1
yes
253
2
no
747
3
(dk)
0
4
(ref)
1
If received government transfers: into an account
(If respondent received any money from the government directly into an account at a financial institution OR through a mobile phone [code 1 in FIN39A OR code 1 in FIN39B], Skip to FIN40; Otherwise, Continue)
(Read FIN39A-FIN39B)
502
499
1
3
1
yes
388
2
no
113
3
(dk)
1
4
(ref)
0
Sysmiss
499
If received government transfers: through a mobile phone
(If respondent received any money from the government directly into an account at a financial institution OR through a mobile phone [code 1 in FIN39A OR code 1 in FIN39B], Skip to FIN40; Otherwise, Continue)
(Read FIN39A-FIN39B)
502
499
1
3
1
yes
30
2
no
463
3
(dk)
9
4
(ref)
0
Sysmiss
499
If received government transfers: in cash
(Read FIN39C1-FIN39C2)
105
896
1
2
1
yes
3
2
no
102
3
(dk)
0
4
(ref)
0
Sysmiss
896
If received government transfers: to a card
(All in FIN39C2, Skip to FIN42)
(Read FIN39C1-FIN39C2)
105
896
1
2
1
yes
16
2
no
89
3
(dk)
0
4
(ref)
0
Sysmiss
896
If received cashless government transfers: first account
Continue
No/DK/Refused > (Skip to FIN42)]]>
41
960
1
3
1
Yes
20
2
No
19
3
(DK)
2
4
(Refused)
0
Sysmiss
960
If received cashless government transfers: opened to receive payments
20
981
1
3
1
Yes
7
2
No
12
3
(DK)
1
4
(Refused)
0
Sysmiss
981
Received self-employment payments: in past 12 months
(Continue)
No/DK/Refused > (Skip to Note before FIN47C3)]]>
461
540
1
4
1
yes
61
2
no
397
3
(dk)
1
4
(ref)
2
Sysmiss
540
If received self-employment payments: into an account
(If respondent received any money from their business or from selling goods directly into an account at a financial institution OR through a mobile phone [code 1 in FIN47A OR code 1 in FIN47B], Skip to Note before FIN47C3; Otherwise, Continue)
(Read FIN47A-FIN47B)
61
940
1
2
1
yes
54
2
no
7
3
(dk)
0
4
(ref)
0
Sysmiss
940
If received self-employment payments: through a mobile phone
(If respondent received any money from their business or from selling goods directly into an account at a financial institution OR through a mobile phone [code 1 in FIN47A OR code 1 in FIN47B], Skip to Note before FIN47C3; Otherwise, Continue)
(Read FIN47A-FIN47B)
61
940
1
2
1
yes
11
2
no
50
3
(dk)
0
4
(ref)
0
Sysmiss
940
If received self-employment payments: in cash
(If code 2, 3, or 4 in FIN1 AND [code 2, 3, or 4 in FIN2 OR code 2, 3, or 4 in FIN3] AND code 1 to ANY in FIN31A, FIN34A, FIN34C2, FIN39A, FIN39C2, FIN43A, FIN43C2, FIN47A, OR FIN47C2, Continue; Otherwise, Skip to FIN48)
(Read FIN47C1-FIN47C2)
7
994
1
2
1
yes
1
2
no
6
3
(dk)
0
4
(ref)
0
Sysmiss
994
If received self-employment payments: to a card
(If code 2, 3, or 4 in FIN1 AND [code 2, 3, or 4 in FIN2 OR code 2, 3, or 4 in FIN3] AND code 1 to ANY in FIN31A, FIN34A, FIN34C2, FIN39A, FIN39C2, FIN43A, FIN43C2, FIN47A, OR FIN47C2, Continue; Otherwise, Skip to FIN48)
(Read FIN47C1-FIN47C2)
7
994
1
2
1
yes
1
2
no
6
3
(dk)
0
4
(ref)
0
Sysmiss
994
Marginal: Used debit card in your own name
In the PAST 12 MONTHS, have you used your OWN [insert local terminology for ATM/debit card] DIRECTLY to make a purchase?
7
994
1
2
1
yes
1
2
no
6
3
(dk)
0
4
(ref)
0
Sysmiss
994
Marginal: Used mobile phone or internet to access FI account
In the PAST 12 MONTHS, did you ever use a MOBILE PHONE or the Internet to make a payment, to buy something, or to send money FROM your account at a bank or another type of financial institution?
(This should not include transactions made through phone calls.)
7
994
2
3
1
yes
0
2
no
6
3
(dk)
1
4
(ref)
0
Sysmiss
994
Marginal: Used mobile phone or internet to check account balance
In the PAST 12 MONTHS, have you checked your account balance using a mobile phone or the Internet?
(If respondent mentions “text messages,” code as Yes [code 1])
7
994
1
2
1
yes
2
2
no
5
3
(dk)
0
4
(ref)
0
Sysmiss
994
Owns a mobile phone
1001
0
1
2
1
yes
971
2
no
30
3
(dk)
0
4
(ref)
0
Has an account at a financial institution
1001
0
0
1
0
8
1
yes
993
2
no
0
3
dk/ref
0
Has an account
1001
0
0
1
0
8
1
yes
993
2
no
0
3
dk/ref
0
Saved in the past year
1001
0
0
1
0
253
1
yes
748
2
no
0
3
dk/ref
0
Borrowed in the past year
1001
0
0
1
0
404
1
yes
597
2
no
0
3
dk/ref
0
Payments: wage payments
1001
0
1
5
1
into an account
520
2
Main source: Family or friends
2
3
Main source: Money from working
18
4
Main source: Borrowing from a bank, empoyer, or private lend
458
5
Main source: Selling assets
3
6
Main source: Some other source
0
7
(dk)
0
8
ref
0
Payments: government transfers
1001
0
1
5
1
228
2
1
3
66
4
700
5
6
Payments: government pension
1001
0
1
5
1
218
2
1
3
34
4
747
5
1
Payments: selling agricultural goods
0
1001
Sysmiss
1001
Payments: utility bills
1001
0
1
5
1
803
2
6
3
14
4
176
5
2
Domestic remittances
0
1001
Sysmiss
1001
Pay online [of adults]- F2F
0
1001
0
no/dk/ref
0
1
yes
0
Sysmiss
1001
Pay online [of buyers]- F2F
0
1001
0
no/dk/ref
0
1
yes
0
Sysmiss
1001
Pay in cash when order is delivered [of adults]- F2F
0
1001
0
no/dk/ref
0
1
yes
0
Sysmiss
1001
Pay in cash when order is delivered [of buyers]- F2F
0
1001
0
no/dk/ref
0
1
yes
0
Sysmiss
1001