DDI_AFG_2011_FINDEX_v02_M_WB Development Economics Data Group 2015-04-08 NADA Version 02 (April 2015) - DDI updated to include the modifications to the inc_q data. This updated version also includes modifications to the Series information, Abstract, Scope and Sampling procedure metadata fields to match the number of economies included in the dataset. Global Financial Inclusion (Global Findex) Database 2011 FINDEX 2011 AFG_2011_FINDEX_v02_M Development Research Group, Finance and Private Sector Development Unit Gallup, Inc. NADA Development Research Group, World Bank The Bill and Melinda Gates Foundation Global Findex Development Research Group, Finance and Private Sector Development Unit The Global Financial Inclusion (Global Findex) Database is a project funded by the Bill & Melinda Gates Foundation to measure how people - including the poor, women, and rural residents -around the world save, borrow, make payments and manage risk. The Global Findex indicators are drawn from survey data collected by Gallup, Inc. over the 2011 calendar year, covering around 150,000 adults in more than 140 economies and representing about 97 percent of the world's population. Since 2005, Gallup has surveyed adults annually around the world, using a uniform methodology and randomly selected, nationally representative samples. The second round of Global Findex indicators was collected in 2014 and is forthcoming in 2015. The set of indicators will be collected again in 2017. Well-functioning financial systems serve a vital purpose, offering savings, credit, payment, and risk management products to people with a wide range of needs. Yet until now little had been known about the global reach of the financial sector - the extent of financial inclusion and the degree to which such groups as the poor, women, and youth are excluded from formal financial systems. Systematic indicators of the use of different financial services had been lacking for most economies. The Global Financial Inclusion (Global Findex) database provides such indicators. This database contains the first round of Global Findex indicators, measuring how adults in more than 140 economies save, borrow, make payments, and manage risk. The data set can be used to track the effects of financial inclusion policies globally and develop a deeper and more nuanced understanding of how people around the world manage their day-to-day finances. By making it possible to identify segments of the population excluded from the formal financial sector, the data can help policy makers prioritize reforms and design new policies. Afghanistan National Coverage. Individual The target population is the civilian, non-institutionalized population 15 years and above. Sample survey data [ssd] The Global Findex database includes indicators measuring how adults in more than 140 economies save, borrow, make payments, and manage risk. More specifically, the database includes indicators on the use of formal accounts, the frequency of formal account use, mode of formal account use (ATM, bank, bank agent, etc.), purposes of formal account use (remittances, government payments, wage payments, etc.), self-reported reasons for not having a formal account, savings behavior, savings method (bank, informal savings club, etc.), sources of borrowing (bank, friends/family, informal lender, etc.), purposes of borrowing (home purchase, school fees, emergency/health, funerals/weddings), the use of mobile phones to make payments, and the purchase of health and agriculture insurance. The Global Findex indicators are drawn from survey data collected by Gallup, Inc. over the 2011 calendar year, covering more than 150,000 adults in 148 economies and representing about 97 percent of the world's population. Since 2005, Gallup has surveyed adults annually around the world, using a uniform methodology and randomly selected, nationally representative samples. The second round of Global Findex indicators was collected in 2014 and is forthcoming in 2015. The set of indicators will be collected again in 2017. Surveys were conducted face-to-face in economies where landline telephone penetration is less than 80 percent, or where face-to-face interviewing is customary. The first stage of sampling is the identification of primary sampling units, consisting of clusters of households. The primary sampling units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used. Respondents are randomly selected within the selected households by means of the Kish grid. Surveys were conducted by telephone in economies where landline telephone penetration is over 80 percent. The telephone surveys were conducted using random digit dialing or a nationally representative list of phone numbers. In selected countries where cell phone penetration is high, a dual sampling frame is used. Random respondent selection is achieved by using either the latest birthday or Kish grid method. At least three attempts are made to teach a person in each household, spread over different days and times of year. The sample size in Afghanistan was 1,000 individuals. Gender-matched sampling was used during the final stage of selection. Face-to-face [f2f] The questionnaire was designed by the World Bank, in conjunction with a Technical Advisory Board composed of leading academics, practitioners, and policy makers in the field of financial inclusion. The Bill and Melinda Gates Foundation and Gallup, Inc. also provided valuable input. The questionnaire was piloted in over 20 countries using focus groups, cognitive interviews, and field testing. The questionnaire is available in 142 languages upon request. Questions on insurance, mobile payments, and loan purposes were asked only in developing economies. The indicators on awareness and use of microfinance insitutions (MFIs) are not included in the public dataset. However, adults who report saving at an MFI are considered to have an account; this is reflected in the composite account indicator. Interviews were conducted in the following languages: Dari, Pashto. Data weighting is used to ensure a nationally representative sample for each economy. First, base sampling weights are constructed to account for oversamples and household size. If an oversample has been conducted, the data are weighted to correct the disproportionate sample. Weighting by household size (number of residents age 15 and above) is used to adjust for the probability of selection, as residents in large households will have a disproportionately lower probability of being selected for the sample. Second, poststratification weights are constructed. Population statistics are used to weight the data by gender, age, and, where reliable data are available, education or socioeconomic status. Estimates of standard errors (which account for sampling error) vary by country and indicator. For country- and indicator-specific standard errors, refer to the Annex and Country Table in Demirguc-Kunt, Asli and L. Klapper. 2012. "Measuring Financial Inclusion: The Global Findex." Policy Research Working Paper 6025, World Bank, Washington, D.C. Global Findex The reference citation for the Global Findex data is as follows: Development Research Group, Finance and Private Sector Development Unit 2011. Measuring Financial Inclusion: The Global Findex Database 2011. Ref: AFG_2011_FINDEX_v02_M. 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_AFG 1000 50 Economy Economy Economy Economy Economy 1000 Afghanistan Economy code Economy code Economy code Economy code Economy code 1000 AFG wgt weight wgt weight wgt weight wgt weight wgt weight 1000 0.347 3.678 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 1000 15 85 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 1000 1 3 1 completed primary or less 2 secondary 3 completed tertiary or more 4 (dk) 5 (rf) Within-economy income quintile Within-economy income quintile Within-economy income quintile Within-economy income quintile Within-economy income quintile 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 at a financial instititution Has an account at a financial instititution Has an account at a financial instititution Has an account at a financial instititution Has an account at a financial instititution 1000 1 4 1 yes 2 no 3 (dk) 4 (ref) Has an account at a financial institution/post office/MFI (composite indicator) Has an account at a financial institution/post office/MFI (composite indicator) Has an account at a financial institution/post office/MFI (composite indicator) Has an account at a financial institution/post office/MFI (composite indicator) Has an account at a financial institution/post office/MFI (composite indicator) 1000 1 2 1 yes 2 no 3 dk/ref If has account: purpose of account If has account: purpose of account If has account: purpose of account If has account: purpose of account If has account: purpose of account 141 859 1 3 1 1 personal transactions 2 2 business purposes 3 3 both 4 4 (dk) 5 5 (refused) Sysmiss Has a debit card Has a debit card Has a debit card Has a debit card Has a debit card 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Has a credit card Has a credit card Has a credit card Has a credit card Has a credit card 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) If has account: number of monthly deposits into account If has account: number of monthly deposits into account If has account: number of monthly deposits into account If has account: number of monthly deposits into account If has account: number of monthly deposits into account 141 859 1 6 1 1 0 2 2 1 - 2 times 3 3 3 - 5 times 4 4 6 times or more 5 5 (dk) 6 6 (refused) Sysmiss If has account: number of monthly withdrawals from account If has account: number of monthly withdrawals from account If has account: number of monthly withdrawals from account If has account: number of monthly withdrawals from account If has account: number of monthly withdrawals from account 141 859 1 6 1 1 0 2 2 1 - 2 times 3 3 3 - 5 times 4 4 6 times or more 5 5 (dk) 6 6 (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 141 859 1 7 1 1 at an atm 2 2 over the counter in a branch of your bank or financial institution 3 3 over the counter at a retail store, or 4 4 from some other person who is associated with your bank or financial institution 5 5 (do not withdraw cash) 6 6 (dk) 7 7 (refused) Sysmiss If has account: most frequent mode of cash deposit If has account: most frequent mode of cash deposit If has account: most frequent mode of cash deposit If has account: most frequent mode of cash deposit If has account: most frequent mode of cash deposit 141 859 2 7 1 1 at an atm 2 2 over the counter in a branch of your bank or financial institution 3 3 over the counter at a retail store, or 4 4 using some other person who is associated with your bank or financial institution 5 5 (do not deposit cash) 6 6 (dk) 7 7 (refused) Sysmiss If has account: uses checks If has account: uses checks If has account: uses checks If has account: uses checks If has account: uses checks 141 859 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses electronic payments If has account: uses electronic payments If has account: uses electronic payments If has account: uses electronic payments If has account: uses electronic payments 141 859 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses it to receive work payments If has account: uses it to receive work payments If has account: uses it to receive work payments If has account: uses it to receive work payments If has account: uses it to receive work payments 141 859 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses it to receive gov't payments If has account: uses it to receive gov't payments If has account: uses it to receive gov't payments If has account: uses it to receive gov't payments If has account: uses it to receive gov't payments 141 859 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses it to receive money from family If has account: uses it to receive money from family If has account: uses it to receive money from family If has account: uses it to receive money from family If has account: uses it to receive money from family 141 859 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses it to send money to family If has account: uses it to send money to family If has account: uses it to send money to family If has account: uses it to send money to family If has account: uses it to send money to family 141 859 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 859 141 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 859 141 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 859 141 1 2 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 859 141 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 859 141 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 859 141 1 3 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 859 141 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Has saved money in the past 12 months Has saved money in the past 12 months Has saved money in the past 12 months Has saved money in the past 12 months Has saved money in the past 12 months 1000 1 4 1 yes 2 no 3 (dk) 4 (ref) If saved: saved for future expenses (education, wedding) If saved: saved for future expenses (education, wedding) If saved: saved for future expenses (education, wedding) If saved: saved for future expenses (education, wedding) If saved: saved for future expenses (education, wedding) 173 827 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If saved: saved for emergencies If saved: saved for emergencies If saved: saved for emergencies If saved: saved for emergencies If saved: saved for emergencies 173 827 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If saved: saved at a financial institution If saved: saved at a financial institution If saved: saved at a financial institution If saved: saved at a financial institution If saved: saved at a financial institution 173 827 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If saved: saved using a savings club If saved: saved using a savings club If saved: saved using a savings club If saved: saved using a savings club If saved: saved using a savings club 173 827 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Borrowed money from financial institution in past 12 months Borrowed money from financial institution in past 12 months Borrowed money from financial institution in past 12 months Borrowed money from financial institution in past 12 months Borrowed money from financial institution in past 12 months 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Borrowed money from a store (store credit) in past 12 months Borrowed money from a store (store credit) in past 12 months Borrowed money from a store (store credit) in past 12 months Borrowed money from a store (store credit) in past 12 months Borrowed money from a store (store credit) in past 12 months 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Borrowed money from family or friends in past 12 months Borrowed money from family or friends in past 12 months Borrowed money from family or friends in past 12 months Borrowed money from family or friends in past 12 months Borrowed money from family or friends in past 12 months 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Borrowed money from employer in past 12 months Borrowed money from employer in past 12 months Borrowed money from employer in past 12 months Borrowed money from employer in past 12 months Borrowed money from employer in past 12 months 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Borrowed money from another private lender in past 12 months Borrowed money from another private lender in past 12 months Borrowed money from another private lender in past 12 months Borrowed money from another private lender in past 12 months Borrowed money from another private lender in past 12 months 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Currently has loan for home purchase Currently has loan for home purchase Currently has loan for home purchase Currently has loan for home purchase Currently has loan for home purchase 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Personally has health insurance in addition to nat'l insurance Personally has health insurance in addition to nat'l insurance Personally has health insurance in addition to nat'l insurance Personally has health insurance in addition to nat'l insurance Personally has health insurance in addition to nat'l insurance 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) If has insurance: has personally purchased insurance If has insurance: has personally purchased insurance If has insurance: has personally purchased insurance If has insurance: has personally purchased insurance If has insurance: has personally purchased insurance 2 998 1 1 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If ag worker: has personally paid for crop/rainfall/livestock insurance If ag worker: has personally paid for crop/rainfall/livestock insurance If ag worker: has personally paid for crop/rainfall/livestock insurance If ag worker: has personally paid for crop/rainfall/livestock insurance If ag worker: has personally paid for crop/rainfall/livestock insurance 132 868 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Currently has loan for home construction Currently has loan for home construction Currently has loan for home construction Currently has loan for home construction Currently has loan for home construction 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Currently has loan for school fees Currently has loan for school fees Currently has loan for school fees Currently has loan for school fees Currently has loan for school fees 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Currently has loan for emergency/health purposes Currently has loan for emergency/health purposes Currently has loan for emergency/health purposes Currently has loan for emergency/health purposes Currently has loan for emergency/health purposes 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Currently has loan for funeral/wedding Currently has loan for funeral/wedding Currently has loan for funeral/wedding Currently has loan for funeral/wedding Currently has loan for funeral/wedding 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Has used a mobile phone to pay bills in past 12 months Has used a mobile phone to pay bills in past 12 months Has used a mobile phone to pay bills in past 12 months Has used a mobile phone to pay bills in past 12 months Has used a mobile phone to pay bills in past 12 months 1000 2 2 1 yes 2 no 3 (dk) 4 (ref) Has used a mobile phone to send money in past 12 months Has used a mobile phone to send money in past 12 months Has used a mobile phone to send money in past 12 months Has used a mobile phone to send money in past 12 months Has used a mobile phone to send money in past 12 months 1000 1 2 1 yes 2 no 3 (dk) 4 (ref) Has used a mobile phone to receive money in past 12 months Has used a mobile phone to receive money in past 12 months Has used a mobile phone to receive money in past 12 months Has used a mobile phone to receive money in past 12 months Has used a mobile phone to receive money in past 12 months 1000 1 2 1 yes 2 no 3 (dk) 4 (ref)