SWE_2017_FINDEX_v02_M
DDI_SWE_2017_FINDEX_v02_M_WB
Development Economics Data Group
2018-10-09
Nesstar Publisher
Development Research Group, Finance and Private Sector Development Unit
Version 02 (October 2018)
Global Financial Inclusion (Global Findex) Database 2017
FINDEX 2017
SWE_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 (World Bank)
Development Research Group, Finance and Private Sector Development Unit
Other Household Survey [hh/oth]
Sweden
National coverage
Individual
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.
Landline and cellular telephone
Interviews were conducted in the following language(s): Swedish
Data weighting is used to ensure a nationally rep¬resentative sample for each economy. Final weights consist of the base sampling weight, which corrects for unequal probability of selection based on house¬hold 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: SWE_2017_FINDEX_v02_M. Accessed at [url] on [date]
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_swe.NSDstat
1000
81
Nesstar 200801
Economy
1000
0
Sweden
1000
Economy Code
1000
0
SWE
1000
Gallup World Poll identifier
1000
0
111245441
211053794
Weight
1000
0
0.266
2.75
Respondent is female
1000
0
1
2
1
Male
482
2
Female
518
Respondent age
1000
0
15
94
15
15
6
16
16
6
17
17
20
18
18
9
19
19
17
20
20
12
21
21
12
22
22
15
23
23
14
24
24
6
25
25
6
26
26
6
27
27
11
28
28
5
29
29
7
30
30
10
31
31
10
32
32
10
33
33
7
34
34
19
35
35
12
36
36
11
37
37
13
38
38
20
39
39
9
40
40
17
41
41
12
42
42
9
43
43
12
44
44
16
45
45
15
46
46
10
47
47
11
48
48
14
49
49
21
50
50
21
51
51
11
52
52
13
53
53
12
54
54
11
55
55
15
56
56
24
57
57
17
58
58
17
59
59
25
60
60
20
61
61
8
62
62
26
63
63
22
64
64
23
65
65
18
66
66
25
67
67
27
68
68
16
69
69
16
70
70
25
71
71
18
72
72
20
73
73
14
74
74
19
75
75
18
76
76
11
77
77
14
78
78
6
79
79
17
80
80
9
81
81
9
82
82
9
83
83
5
84
84
8
85
85
7
86
86
2
87
87
5
88
88
2
89
89
1
90
90
3
91
91
0
92
92
0
93
93
0
94
94
1
95
95
0
96
96
0
97
97
0
98
98
0
99
99+
0
Respondent education level
1000
0
1
5
1
completed primary or less
63
2
secondary
478
3
completed tertiary or more
448
4
(dk)
9
5
(rf)
2
Within-economy household income quintile
1000
0
1
5
1
Poorest 20%
165
2
Second 20%
206
3
Middle 20%
192
4
Fourth 20%
202
5
Richest 20%
235
Respondent is in the workforce
1000
0
0
1
0
out of workforce
383
1
in workforce
617
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])
1000
0
1
2
1
yes
982
2
no
18
3
(dk)
0
4
(ref)
0
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)]]>
982
18
1
4
1
yes
958
2
no
12
3
(dk)
7
4
(ref)
5
Sysmiss
18
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?
958
42
1
4
1
yes
921
2
no
36
3
(dk)
0
4
(ref)
1
Sysmiss
42
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.)
975
25
1
4
1
yes
787
2
no
185
3
(dk)
2
4
(ref)
1
Sysmiss
25
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])
975
25
1
4
1
yes
849
2
no
124
3
(dk)
1
4
(ref)
1
Sysmiss
25
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)
1000
0
1
3
1
yes
486
2
no
511
3
(dk)
3
4
(ref)
0
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)
486
514
1
3
1
yes
367
2
no
118
3
(dk)
1
4
(ref)
0
Sysmiss
514
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.
997
3
1
4
1
yes
951
2
no
44
3
(dk)
0
4
(ref)
2
Sysmiss
3
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)
997
3
1
4
1
yes
960
2
no
32
3
(dk)
2
4
(ref)
3
Sysmiss
3
If does not have account: b/c too far away
3
997
1
2
1
yes
1
2
no
2
3
(dk)
0
4
(ref)
0
Sysmiss
997
If does not have account: b/c too expensive
3
997
2
2
1
yes
0
2
no
3
3
(dk)
0
4
(ref)
0
Sysmiss
997
If does not have account: b/c lack documentation
3
997
1
2
1
yes
1
2
no
2
3
(dk)
0
4
(ref)
0
Sysmiss
997
If does not have account: b/c lack trust
3
997
2
2
1
yes
0
2
no
3
3
(dk)
0
4
(ref)
0
Sysmiss
997
If does not have account: b/c religious reasons
3
997
2
2
1
yes
0
2
no
3
3
(dk)
0
4
(ref)
0
Sysmiss
997
If does not have account: b/c lack of money
3
997
1
2
1
yes
1
2
no
2
3
(dk)
0
4
(ref)
0
Sysmiss
997
If does not have account: b/c family member already has one
3
997
1
2
1
yes
1
2
no
2
3
(dk)
0
4
(ref)
0
Sysmiss
997
If does not have account: b/c no need for financial services
3
997
1
2
1
yes
2
2
no
1
3
(dk)
0
4
(ref)
0
Sysmiss
997
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)
1000
0
1
4
1
yes
804
2
no
193
3
(dk)
1
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)
1000
0
1
4
1
yes
709
2
no
288
3
(dk)
2
4
(ref)
1
Saved in past 12 months: for farm/business purposes
(ASK ALL)
1000
0
1
3
1
yes
78
2
no
918
3
(dk)
4
4
(ref)
0
Saved in past 12 months: for old age
(ASK ALL)
1000
0
1
4
1
yes
594
2
no
398
3
(dk)
6
4
(ref)
2
Saved in past 12 months: using an account at a financial institution
1000
0
1
4
1
yes
768
2
no
224
3
(dk)
5
4
(ref)
3
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)
1000
0
1
4
1
yes
495
2
no
500
3
(dk)
3
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)
1000
0
1
4
1
yes
10
2
no
989
3
(dk)
0
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)
1000
0
1
4
1
yes
15
2
no
983
3
(dk)
1
4
(ref)
1
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.
1000
0
1
4
1
yes
202
2
no
793
3
(dk)
3
4
(ref)
2
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.
1000
0
1
4
1
yes
101
2
no
897
3
(dk)
0
4
(ref)
2
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)
1000
0
1
4
1
Possible
907
2
Not possible
86
3
(dk)
4
4
(ref)
3
Main source of emergency funds
(Read 1-5)
907
93
1
8
1
Main source: Savings
725
2
Main source: Family or friends
77
3
Main source: Money from working
35
4
Main source: Borrowing from a bank, empoyer, or private lend
39
5
Main source: Selling assets
20
6
Main source: Some other source
5
7
(dk)
3
8
ref
3
Sysmiss
93
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)]]>
1000
0
1
2
1
yes
781
2
no
219
3
(dk)
0
4
(ref)
0
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)
781
219
1
4
1
yes
714
2
no
58
3
(dk)
7
4
(ref)
2
Sysmiss
219
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)
781
219
1
4
1
yes
308
2
no
470
3
(dk)
0
4
(ref)
3
Sysmiss
219
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.
45
955
1
4
1
yes
5
2
no
37
3
(dk)
2
4
(ref)
1
Sysmiss
955
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)
1000
0
1
3
1
yes
645
2
no
349
3
(dk)
6
4
(ref)
0
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?
645
355
1
3
1
yes
282
2
no
362
3
(dk)
1
4
(ref)
0
Sysmiss
355
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)
645
355
1
4
1
yes
629
2
no
15
3
(dk)
0
4
(ref)
1
Sysmiss
355
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)
645
355
1
4
1
yes
23
2
no
614
3
(dk)
7
4
(ref)
1
Sysmiss
355
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)
16
984
1
4
1
yes
2
2
no
13
3
(dk)
0
4
(ref)
1
Sysmiss
984
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)
16
984
1
4
1
yes
2
2
no
13
3
(dk)
0
4
(ref)
1
Sysmiss
984
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)]]>
629
371
1
3
1
Yes
218
2
No
397
3
(DK)
14
4
(Refused)
0
Sysmiss
371
If received cashless wage payments: opened to receive payments
Did you open this account in order to receive payments from this employer?
218
782
1
3
1
Yes
51
2
No
165
3
(DK)
2
4
(Refused)
0
Sysmiss
782
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.
1000
0
1
4
1
yes
324
2
no
669
3
(dk)
6
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)
1000
0
1
3
1
yes
366
2
no
632
3
(dk)
2
4
(ref)
0
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)
629
371
1
3
1
yes
475
2
no
152
3
(dk)
2
4
(ref)
0
Sysmiss
371
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)
629
371
1
3
1
yes
22
2
no
601
3
(dk)
6
4
(ref)
0
Sysmiss
371
If received government transfers: in cash
(Read FIN39C1-FIN39C2)
149
851
1
2
1
yes
3
2
no
146
3
(dk)
0
4
(ref)
0
Sysmiss
851
If received government transfers: to a card
(All in FIN39C2, Skip to FIN42)
(Read FIN39C1-FIN39C2)
149
851
1
3
1
yes
29
2
no
118
3
(dk)
2
4
(ref)
0
Sysmiss
851
If received cashless government transfers: first account
Continue
No/DK/Refused > (Skip to FIN42)]]>
48
952
1
3
1
Yes
23
2
No
23
3
(DK)
2
4
(Refused)
0
Sysmiss
952
If received cashless government transfers: opened to receive payments
23
977
1
2
1
Yes
7
2
No
16
3
(DK)
0
4
(Refused)
0
Sysmiss
977
Received self-employment payments: in past 12 months
(Continue)
No/DK/Refused > (Skip to Note before FIN47C3)]]>
354
646
1
2
1
yes
31
2
no
323
3
(dk)
0
4
(ref)
0
Sysmiss
646
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)
31
969
1
2
1
yes
28
2
no
3
3
(dk)
0
4
(ref)
0
Sysmiss
969
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)
31
969
1
2
1
yes
8
2
no
23
3
(dk)
0
4
(ref)
0
Sysmiss
969
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)
2
998
1
2
1
yes
1
2
no
1
3
(dk)
0
4
(ref)
0
Sysmiss
998
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)
2
998
2
2
1
yes
0
2
no
2
3
(dk)
0
4
(ref)
0
Sysmiss
998
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?
1
999
1
1
1
yes
1
2
no
0
3
(dk)
0
4
(ref)
0
Sysmiss
999
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.)
1
999
2
2
1
yes
0
2
no
1
3
(dk)
0
4
(ref)
0
Sysmiss
999
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])
1
999
2
2
1
yes
0
2
no
1
3
(dk)
0
4
(ref)
0
Sysmiss
999
Owns a mobile phone
1000
0
1
2
1
yes
958
2
no
42
3
(dk)
0
4
(ref)
0
Has an account at a financial institution
1000
0
0
1
0
2
1
yes
998
2
no
0
3
dk/ref
0
Has an account
1000
0
0
1
0
2
1
yes
998
2
no
0
3
dk/ref
0
Saved in the past year
1000
0
0
1
0
160
1
yes
840
2
no
0
3
dk/ref
0
Borrowed in the past year
1000
0
0
1
0
467
1
yes
533
2
no
0
3
dk/ref
0
Payments: wage payments
1000
0
1
5
1
into an account
631
2
Main source: Family or friends
2
3
Main source: Money from working
12
4
Main source: Borrowing from a bank, empoyer, or private lend
349
5
Main source: Selling assets
6
6
Main source: Some other source
0
7
(dk)
0
8
ref
0
Payments: government transfers
1000
0
1
5
1
258
3
66
4
669
5
7
Payments: government pension
1000
0
1
5
1
297
2
2
3
67
4
632
5
2
Payments: selling agricultural goods
0
1000
Sysmiss
1000
Payments: utility bills
1000
0
1
4
1
714
2
5
3
62
4
219
Domestic remittances
0
1000
Sysmiss
1000
Pay online [of adults]- F2F
0
1000
0
no/dk/ref
0
1
yes
0
Sysmiss
1000
Pay online [of buyers]- F2F
0
1000
0
no/dk/ref
0
1
yes
0
Sysmiss
1000
Pay in cash when order is delivered [of adults]- F2F
0
1000
0
no/dk/ref
0
1
yes
0
Sysmiss
1000
Pay in cash when order is delivered [of buyers]- F2F
0
1000
0
no/dk/ref
0
1
yes
0
Sysmiss
1000